What are the advantages and disadvantages of Kang Jun's life-span increasing? Who is suitable for buying?

During this period, many friends came to ask about whole life insurance's increase-Kangjun Life Insurance Golden Prosperity Stone. It is said that whole life insurance can repay all the principal from the beginning of insurance to the next year. Is it really that bad?

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

Before reading, read this article to consolidate what you have learned before: "Who is the sacred whole life insurance? Is it worth starting with? 》

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:

Not much to say, just tell us the main points!

& gt& gt advantage:

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

For the payment period of Jinsheng Jinshi, there are two options: 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 what is suitable for your payment term?

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 have insufficient economic budget, it is also possible to choose Jinsheng Jinsheng Insurance. If there is more liquidity in the later period, you can use the right to change the insured amount to increase the insured amount, which is very good!

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 this ratio realistic?

Senior, give you a simple and unreasonable example: 18-40 160%, 4 1-6 1 40%, 6 1 65438+20.

4 1-60 years old, when the family's economic responsibility is the heaviest. At this point, the reduction in the proportion of compensation means that the protection is weakened. In the end, everyone's compensation was not enough to protect their families.

If you encounter a similar situation in whole life insurance's compensation ratio, you should be careful.

Compared with each other, it is praised that Jinsheng Jinshi has done a good job in this respect, and the compensation ratio of age 18-6 1 is very high, which is worth rewarding!

& gt& gt Disadvantages:

1, lack of total disability protection

At present, many increased whole life insurance have increased the death/total disability protection. For some better products, they even set up aviation accident death protection.

However, the protection content of Jinsheng Jinshi products lacks the most basic total disability protection!

If the insured is insured with Jinsheng Jinshi, he will be totally disabled due to an accident and will not be able to get compensation if he fails to meet the compensation standard for death.

People can't help but feel that the strength of this guarantee is too low, it is simply too weak.

2. The growth coefficient of insurance coverage is low.

Whole life insurance's premium will increase with compound interest every year according to the increasing coefficient, and Jinsheng's life premium has an increasing coefficient of 3.5%.

Many incremental life insurances in the market have an increase factor of 3.8%.

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

In contrast, Jinsheng Jinshi is not strong enough: "Can Jinsheng Jinshi return to his original position? I am stupid to calculate the 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 can be interpreted as the money we get when we can surrender the insurance, and the increased income of whole life insurance can be said to have a great relationship with the cash value of the policy.

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

Wang Mai, a 30-year-old, received a golden whole life insurance, and paid 65,438+ten thousand yuan every year for five years, so he can get lifelong guarantee.

As shown in the figure, Lao Wang pays a total premium of 500,000 every five years. At the age of 36, the cash value of the policy can reach 536,000 yuan, and now the speed of withdrawing funds exceeds the speed of investment.

Compared with other whole life insurance whose recovery speed is 5 or 6 years, Jinsheng Jinshi can recover its funds in a relatively short time.

12 18000 yuan is the cash value of Lao Wang's policy when he is 60 years old. If he chooses to surrender, this fund can play a role in the follow-up pension life, and can also be used for traveling and having fun!

If Lao Wang doesn't surrender his insurance, the cash value of the policy will continue to increase when he is 70 years old, and finally it will reach 1, 7 1.3 million yuan, which is a good income and its value has increased by 3.4 times.

If Lao Wang keeps increasing the insurance coverage and insists on not surrendering the insurance, when Lao Wang dies at the age of 80, his family can receive a death pension of 2.399 million yuan.

According to the picture information, when Lao Wang was 60 years old, the IRR of Jin Shengjin whole life insurance fluctuated around 3.3%, which was quite satisfactory.

Third, the summary of the senior sister

To sum up, the payment period of whole life insurance Zhongjinsheng is excellent, and the insurance threshold is really low; However, the coverage is not wide enough, and the increasing coefficient of insurance coverage is relatively low.

Moreover, from the perspective of overall income, it is still relatively optimistic and its performance is relatively stable. Whether it's worth it or not depends on your personal opinion.

There is a saying that the best is not necessarily the best for you, so everyone should choose the one that suits them best! There are really countless unexpired increases in whole life insurance in the market, so it's 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.

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