What is the price-performance ratio of Kangjun Life Insurance Jinsheng Jinshi to prolong life? Is it reliable?

Recently, many friends came to consult an increased whole life insurance-Kangjun Life Insurance Jinsheng Jinshi.

It is said that this increase will be repaid in the second year of insurance in whole life insurance. Is it really that powerful?

Senior sister will give you a detailed evaluation right away! Interested friends continue to look down ~

Before we begin, we might as well take a look at this article and consolidate the basic knowledge: "What is a full life insurance that can manage money and ensure an increase?" ? 》

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:

Senior sister won't talk nonsense with you, just get to the point!

& gt& gt advantage:

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

The payment period of Jinsheng Jinshi can be selected from wholesale payment and annual payment.

In this case, the insured can flexibly decide which payment period to choose according to his actual situation.

If you don't know the payment period, how should you choose? This article will introduce how to choose: "How to choose the payment period so as not to lose money? 》

Moreover, the minimum annual investment is 1000 yuan, and the threshold for initial investment is very low.

For young people who have just entered the society and those with insufficient economic budget, they can also join Jinsheng Jinsheng. When the liquidity increases in the later period, the right to change the amount of insurance is a way you can increase the amount of insurance, which is very friendly!

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%.

Why is it reasonable to do so?

Senior sister gives you an unreasonable example from another angle: 18-40 years old 160%, 4 1-6 1 year old 140%, 6 1 year old 65438+20.

4 1-60 years old, you should know that family economic responsibility is the most important at this time. If the compensation ratio is reduced at this time, it means that the protection has become smaller. Everyone's final compensation is not enough to protect family expenses.

Therefore, if you encounter an increase in whole life insurance with a similar proportion of compensation, you should pay more attention to avoid this situation.

In contrast, many people think that Jinsheng Jinshi has made great achievements in this respect, and 18-6 1 has the highest compensation ratio, which is worth rewarding!

& gt& gt Disadvantages:

1, lack of total disability protection

At present, many additional whole life insurance companies provide death/total disability protection, and even some better products provide aviation accident protection.

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

If the insured insures Jinsheng Jinshi, he will be unlucky in the later period and unfortunately be totally disabled. If you can't meet the compensation standard for his death, you won't get compensation.

I have to say, it's really bad that the scope of protection is so narrow.

2. The growth coefficient of insurance coverage is low.

The premium growth in whole life insurance will increase with compound interest every year according to the growth factor, and the premium growth factor of Jinsheng Jinshi is 3.5%.

At present, the insurance coverage increase coefficient of incremental life insurance in the market is 3.8%.

If the increasing coefficient is higher and higher, the future income will be more predictable.

Comparatively speaking, the stone is not strong enough!

If you want to know more about this product, you can read this article: "Jinsheng Jinshi increases whole life insurance's capital in the second year? Don't be silly! 》

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 is the money we can get when we surrender the insurance. The increase in whole life insurance's income can be said to have a great relationship with the cash value of the policy.

Next, what is the income of Jinsheng Jinshi? Senior, do the math for you:

The 30-year-old Lao Wang took a fancy to a whole life insurance with an increase in gold, gold and stone, and took out insurance, paying 654.38+million every year for five years, with lifelong guarantee.

It is found from the figure that Lao Wang paid a premium of 500,000 yuan in five years, that is to say, when he was 36 years old, the cash value of the policy was already 536,000 yuan, and the income now is greater than the premium invested.

Compared with those who increase the capital recovery rate of the whole life insurance by five or six years, Jinsheng Jinshi can recover its capital in a shorter time.

At the age of 60, the cash value of his policy has risen to 1, 2 1.8 million. If you choose to surrender, this fund can be used for subsequent retirement, or it is entirely possible to use this fund for travel and fun!

If you continue to increase the insurance coverage to the age of 70, it can rise to the cash value of the policy of1710.3 million, and the value can be tripled, which is really a very good income.

If Lao Wang chooses to keep the insurance amount increasing and not surrender, when Lao Wang dies at the age of 80, his family will receive 2.399 million yuan in death compensation.

Looking at the picture, we can see that after Pharaoh was 60 years old, golden couple's whole life insurance IRR hovered around 3.3%, which was not bad.

Third, the summary of the senior sister

To sum up, the payment cycle of Jinsheng Jinshi whole life insurance is quite in place, and the insurance threshold is very low; However, there is still no high coverage, and the coefficient of increasing coverage in turn is slow.

Moreover, the overall income is still ok and the performance is relatively stable. Individuals have their own ideas, and whether it is worth insuring depends on themselves.

There is a saying that is good, it depends on whether it suits you! There are still many whole life insurance that are doing well in the market now, so it is not too late to make an insurance decision by comparing several more.

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.

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