What are the advantages and disadvantages of Peking University Founder Fuduoduo Lucky Insurance Product Plan? How to buy a good deal?

Peking University Founder Fuduoduo Lucky Edition Insurance Product Plan is very popular on the Internet. I heard that the cost performance is very high. Many friends are asking, is the cost performance of Peking University Founder Fuduoduo Lucky Edition Insurance Product Plan really that high? Is it really worth buying?

The following sister will give you an in-depth evaluation! This article can help you get familiar with the insurance product scheme of the lucky version of Founder Fuduoduo of Peking University in advance. Friends who don't know, come and see:

Can I really buy the lucky insurance product plan of Founder Fuduoduo of Peking University? An article tells you "

1. What is the insurance product plan guarantee of the lucky version of Peking University Founder Fuduoduo?

As usual, I will first bring you the protection map of Peking University Founder Fuduoduo Lucky Edition Insurance Product Plan:

As can be seen from the figure, Peking University Founder Fuduoduo Lucky Edition insurance product plan covers Peking University Founder Fuduoduo Lucky Edition All Risks and cornucopia whole life insurance (universal type). According to the above picture, we can see their insurance age, guarantee period, payment period and method, as well as the death insurance benefits provided, as well as other rights and interests such as policy loans. After reading the above picture, everyone should have almost understood this insurance product plan. Here, Senior Sister will tell the students some details.

1, with a wide age range.

The insurance age of the lucky edition of Peking University Founder Fuduoduo is set at 7 days to 70 years after birth. Whether it is a 7-day-old baby or an old man over 70 years old, he has the opportunity to apply for this insurance, which fully meets the insurance needs of most people. It is still very good.

In addition, the insurance age range of cornucopia whole life insurance (universal type) is more intimate, supporting people born from 7 days to 75 years old. Any main insurance in this insurance product plan can be configured separately, so even those over 70 can be configured with cornucopia whole life insurance (universal type).

From this point of view, Peking University Founder Fuduoduo Auspicious Edition insurance product plan is quite intimate for us.

Here, if a small partner wants to know about whole life insurance products alone, Senior Sister has also compiled a list of high-yield whole life insurance for everyone. If you are interested, you can find out:

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

2. Including survival insurance.

Peking University Founder Fuduoduo Lucky Edition All Risks not only provides expiration insurance and death insurance, but also takes into account the protection of survival insurance. However, the payment of this survival insurance has a certain relationship with the payment method. If the batch payment method is selected, the payment ratio is 20%, the payment ratio for 3 years is 60%, and the payment ratio for 5 years 10 year is 100%.

However, friends should not only look at this payment ratio when paying premiums, but understand that this premise refers to paying premiums every year. Therefore, when friends add the payment period, they can decide which one to choose through their own budget. See which one suits you better.

2. Is Peking University Founder Fuduoduo Lucky Edition Insurance Product Plan worth starting?

After fully understanding the above advantages, let's talk about the disadvantage of this insurance product scheme, that is, its death compensation ratio is not well designed.

As shown in the figure, both products stipulate death insurance, and the proportion of death compensation is the same. If you are 18 -40 years old, the compensation ratio is 160%, which is quite satisfactory. However, the age of 4 1 -60 directly drops by 20%, only 140%, which is somewhat unreasonable.

4 1 -60 years old, in fact, most people are still the main economic pillars of their families. If they die unfortunately, the consequences will be serious. Moreover, some relatively good products can reach the payment ratio of 18 -60 years old, which is 160%.

Therefore, it can be found that this insurance product scheme is not satisfactory.

Generally speaking, Peking University Founder Fuduoduo Lucky Edition insurance product plan covers a wide range of insurance ages and also provides survival insurance, but the proportion of death compensation is not very good, and it is still above the average level as a whole. As for whether it is worth buying, Senior Sister suggests that we analyze it according to the actual situation!

Friends who pursue more comprehensive and practical insurance can also compare other products. Senior sister found this value for money and guaranteed a thick annuity insurance. You might as well have a look:

"Everyone has a lot of No.3 pension annuity insurance, and it is a heavy attack. An analysis! 》

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!