Is it cheap to add life to Kangjun Life Insurance? Is it reliable?

Recently, many friends have come to ask about this new whole life insurance-Kangjun Life Insurance Jinsheng Jinshi. It is said that this kind of life insurance is very popular, and you can earn back the principal in the second year of insurance. Is it really that powerful?

Senior sister will come over immediately to give you a systematic evaluation! Curious friends, keep watching ~

First, let's take a look at what an incremental whole life insurance is:

What is the increased life span that can be managed and guaranteed? Is it worth buying? 》

1. What are the advantages and disadvantages of Kang Jun's jinsheng Jinshi?

As usual, let's take a look at the product protection map first:

I won't talk to you about unimportant things, and I'll give you the point directly!

& gt& gt advantage:

1, flexible payment period and low threshold for initial investment.

For the payment period of Jinsheng Jinshi, you can choose two ways: wholesale payment and annual payment. In this way, the insured can flexibly choose the payment period suitable for them according to their own economic situation.

If you don't know how to choose the payment period that suits you, this article will tell you how to choose:

"How to choose the payment period so as not to lose money? 》

Moreover, the minimum annual investment amount of this product is 1000 yuan, and the investment threshold is very low.

For young people who have just entered the society and those families with insufficient economic budget, they can also be insured for Jinsheng Jinsheng. When the liquidity increases in the later period, you can increase the insured amount by exercising the right to change the insured amount!

2. The compensation coefficient is set reasonably.

The compensation ratio for the death of Jinsheng Jinshi whole life insurance is 18-6 1 year 160%, 6 1 year 120%. This setting is quite intimate!

Senior now gives you an unreasonable case: 18-40 years old 160%, 4 1-6 1 40%, 6 1 year old/..

4 1-60 years old, at this time, it is most important to know the economic responsibility of the family. At this time, reducing the proportion of compensation is equivalent to downgrading the guarantee. In the end, everyone's compensation can't protect the expenses of the whole family.

So, if you encounter such an increase in the proportion of compensation, whole life insurance, I advise you to be more careful.

In the case of comparative conditions, Jinsheng Jinshi is outstanding, and the highest compensation ratio is 18-6 1 year, which is worth rewarding!

& gt& gt Disadvantages:

1, lack of total disability protection

At present, there are many additional whole life insurance, all of which have the protection of death/total disability, and the excellent products even provide the protection of aviation accident death.

But the stone is missing even the most basic total disability protection!

If the insured is unfortunately completely disabled after being insured by Jinsheng Jinshi and fails to meet the compensation standard for death, no compensation will be paid.

This protection scope is too narrow, which is really not good.

2. The growth coefficient of insurance coverage is low.

Whole life insurance's premium growth will increase with compound interest every year according to the growth factor, and Jinsheng's growth factor will be 3.5% in his life. For the life insurance increased in the market, most of them are the increase factor of 3.8%. The higher the incremental coefficient, the more impressive the subsequent income.

In the same situation, the pattern of gold is small!

Next, let's take a look at the benefits of this product. Anxious friends may wish to take a look at this summary:

"Jin can return to this book in the second year? How stupid of me to work out my income! 》

Second, what is the lifetime income of Kang Jun Jinsheng Jinshi?

Before calculating the income, let's briefly understand the "cash value of the policy".

The cash value of the policy, in other words, the money we can get when we surrender the insurance, whole life insurance's income will be affected by the cash value of the policy.

The following seniors will give you a concrete calculation of the income in this life:

Suppose that when Lao Wang was 30 years old, he started with a whole life insurance of Jin Shizeng, and paid 654.38+10,000 yuan every year for five years, which was guaranteed for life.

As shown in the figure, Lao Wang paid a total of 500,000 premiums in five years, and 536,000 was the cash value of Lao Wang's policy when he was 36 years old, which has been paid back.

Compared with those who have improved the recovery speed of the whole life insurance funds for five or six years, Jin Shengjin can say that the recovery speed of funds is quite rapid.

When he is 60 years old, the cash value of the policy can reach 1, 2 1.8 million. If he surrenders his insurance, he can use this fund for his follow-up pension life or for traveling and having fun!

If you don't surrender your insurance all the time, at the age of 70, you can rise to the policy cash value of 17 1.3 million. This income is really good, and the value can be tripled.

If Lao Wang still doesn't choose to surrender, the insurance amount will keep growing, and Lao Wang will die at the age of 80, at which time his family will receive a death pension of 2.399 million yuan.

According to the chart, after Pharaoh was 60 years old, whole life insurance IRR of Jinsheng Jinshi hovered around 3.3%, and his performance was OK.

Third, the summary of the senior sister

In short, whole life insurance Zhongjinsheng's payment period is good, and the insurance threshold is very low. However, the coverage is narrow and the increasing coefficient of insurance coverage is somewhat slow.

However, the overall income is still considerable, and the performance is still stable, but whether it is worth insuring is a matter of opinion. Others say that you don't have to use it yourself, but you'd better choose the one that suits you! There are countless whole life insurance premium increases in the market, and it is not too late to shop around before making an insurance decision.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!