How about whole life insurance, Xin Ruyi of Haibao Life Insurance? Who is suitable for buying?

Recently, many friends are considering buying whole life insurance for financial management, and many people come to consult their senior sisters. The most frequently asked is Xin Ruyi whole life insurance of Haibao Life Insurance, which is also very popular in the market. It is said that the price is good. Is it true?/You don't say. Let's give you a detailed evaluation of this product.

Before the official start, you can read this article and have a certain understanding of whole life insurance's increase:

"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》

I. Overview of Xinruyi whole life insurance Products

Let's take a look at the product details carefully prepared by Senior Sister:

1. The basic guarantee responsibility is relatively simple.

The death/total disability insurance premium is set in the basic guarantee responsibility of whole life insurance New Ruyi of Marine Life Insurance, but it is not prominent in the guarantee responsibility of whole life insurance.

There are many whole life insurance products on the market, and their protection responsibilities include not only death/total disability insurance, but also death/total disability exemption for the insured (when the insured and the insured are not the same person), aviation accident death/total disability insurance and other protection responsibilities.

Therefore, the basic guarantee responsibility of Xinruyi whole life insurance is very simple. According to the different time of the insured's death/total disability, * * * has formulated three compensation schemes.

2. The insurance age range is quite satisfactory.

Generally speaking, the insured age is the age of the insured at the time of insurance. Whole life insurance Xinbao Life Insurance Xinruyi allows the insured age range to be 30 days after birth -65 years old, which is relatively common.

As far as my senior sister knows, the upper limit of insurance age in whole life insurance is 60. However, the insurance age range in whole life insurance has also increased a lot, from 28 days after birth to 70 years old. Compared with this kind of products, the population that Xinruyi whole life insurance can cover is a bit narrow.

3. The number of exemption clauses is relatively large.

As most friends already know, you must look at the exemption clause when you apply for insurance.

Because the content of the exemption clause is the insurance company's explanation of some non-claims, it is quite important.

However, Xin Ruyi whole life insurance of Haibao Life Insurance has a lot of exemption clauses, including seven clauses. Some whole life insurance's exemption clauses only cover three or five clauses, and cover fewer exemption clauses, making it easier for consumers to get claims.

Generally speaking, the new satisfactory performance of the whole life insurance is average, but it is not very outstanding. I suggest you compare other whole life insurance on the market.

This is the end of the discussion on the new life of Haibao Life Insurance. Next, Senior Sister will further study the matters needing attention in increasing whole life insurance insurance. If you want to know more about Xinruyi whole life insurance, you can click this article to view it:

"From the bottom of the text, Haibao Life Xin Ruyi whole life insurance! Read it before you buy it.

2. Description of increasing the insurance amount in whole life insurance.

1. Increase the applicable population in whole life insurance.

As soon as some friends heard that adding whole life insurance can help us manage our finances, they enthusiastically recommended products to our senior sister. But in fact, the increase in whole life insurance is not suitable for everyone to consider ~

Whole life insurance is generally suitable for high-net-worth people who have spare money to manage their finances. They hope to inherit wealth or maximize it in a certain period of time.

However, if we are ordinary wage earners, especially the breadwinners of our families, and want to take out life insurance, senior sister suggested that we consider term life insurance. Because the leverage of term life insurance is quite high, you can buy higher insurance coverage with lower premiums. If the insured dies/is completely disabled, the compensation obtained can replace the family economic pillar to bear part of the family economic responsibility and save the family economy from disaster.

Therefore, everyone must first confirm whether they are suitable for this type of insurance before taking out insurance. Senior sister hopes that everyone will make the most appropriate configuration decision after calm thinking.

2. Internal rate of return of products (IRR)

In addition to the guarantee content of senior analysis, whole life insurance should master IRR. IRR (Internal Rate of Return) is the real rate of return in whole life insurance. The good growth of IRR in whole life insurance generally covers about 3.5%.

For example, whole life insurance of Hetai Life Insurance Increase No.3 (Taishan Edition) and whole life insurance of Great Wall Simatai (Internet exclusive) are all whole life insurance products with good returns. The key is Hetai Zengzeng No.3 (Taishan Edition). It can be said that its internal rate of return can reach as high as 3.49%, and the initial investment threshold is low, and it can be insured from 1 1,000 yuan.

Senior sister can give you a rough estimate of the income of Hetai Zengzeng No.3 (Taishan Edition). If a 30-year-old woman is equipped with this increased whole life insurance, the annual premium is 30,000 yuan, and the option of 20 years payment period is selected. From the end of the 75th policy year (that is, when the insured 105 years old), that is to say, the cash value and death/disability insurance premium of the policy are 577 1223.9 yuan.

It is equivalent to that if the woman 105 dies, the designated beneficiary can get at least 577 1223.9 yuan of death insurance. This kind of income is really good.

Some time ago, my senior also compiled some whole life insurance with good income, which you can include in the reference range:

"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》

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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