How to buy more profits for Hongkang Life Insurance in whole life insurance? Okay？

Whole life insurance can be purchased through official channels or third-party insurance institutions.

Dad, let's talk about the highlights of Hongkangli whole life insurance:

1, loose health bulletin

Generally, whole life insurance has three health notifications, while Hongkangliduo whole life insurance only has 1.

In the inquiry of health notification, there are no common thyroid nodules, breast nodules and tertiary diseases, and the underwriting is relatively loose, which means that more people with diseases can be insured.

2. Support flexible addition and subtraction protection.

Whole life insurance supports insurance increase and insurance decrease.

Insurance rules are relatively loose. Before the age of 75, during the payment period, you can add insurance 1 time every year; After the payment period, you can add insurance indefinitely, and the additional insurance amount is a multiple of 100 yuan from 500 yuan.

If there is a demand for funds in the middle of the guarantee, the cash value can be extracted by reducing the guarantee.

The insurance reduction rules are not complicated, and the insurance can be reduced within the validity period of the contract, which is also a multiple of 500 yuan's 100.

3. Support intergenerational insurance

Whole life insurance also supports intergenerational insurance, and grandparents can also insure their grandchildren.

Intergenerational insurance can reflect grandparents' care for grandchildren and realize direct inheritance of assets.

At the same time, it can also play the role of avoiding children's debts, avoiding marital property disputes and isolating marital assets.

4. The cash value has increased rapidly.

As a wealth management insurance, Hongkongli has increased the coverage of whole life insurance, so it is natural to pay attention to its income.

The 30-year-old male chooses to pay 654.38+ 10,000 yuan, 654.38+00 years, and * * * pays 300,000 yuan.

In the fourth year of the policy, the cash value reached 302,070, which has exceeded the premium paid, that is, "returning the principal".

When the insured is 52 years old, the cash value is already twice the premium paid, and the funds are "doubled".

With the increase of age, if the insured dies at the age of 80, a * * * can get more than 654.38+06,000 insurance money, which is five times the premium paid, and the income is considerable.

In terms of surrender IRR, with the delay of surrender time, it is also rising. 100, the IRR of surrender reached 3.493%, infinitely approaching 3.5%, which is a high level among similar products.