Is Xinmei Mutual Hengxin Life Insurance good or not? Are the benefits good?

Xinmei Mutual Hengxin Whole Life Insurance can be said to be very popular on the Internet. I heard that the price/performance ratio is very high. Many friends are also asking whether Xinmei Mutual Hengxin Whole Life Insurance is really cost-effective. So high?

Is it really worth buying? Next talk talk talk.

The space is limited. If you want to see more angles of analysis, you can check out another review by my senior sister:

"What are the highlights of Xinmei Mutual Hengxin Whole Life Insurance?" One article analysis! 》

1. How about Xinmei Mutual Life Hengxin Whole Life Insurance? OK?

As usual, senior sister will first show you the product form diagram of Xinmei Mutual Hengxin Whole Life Insurance:

1. Analysis of insurance rules

First of all, Xinmei Mutual Hengxin Whole Life Insurance allows people from 7 days old to 75 years old to take out insurance. It is very broad and can cover people of multiple age groups.

Secondly, Xinmei Mutual Hengxin Whole Life Insurance is currently a whole life insurance, and the only option for protection period is "whole life".

Next, as for the payment period, Xinmei Mutual Hengxin Whole Life Insurance now has 4 options, including single payment and 3/5/10-year payment.

Even though it does not provide the common 30-year payment period, it only has short-term and long-term payment periods. It is currently more convenient for consumers to choose based on their economic status and insurance needs.

In terms of occupation categories, the insured occupations of Xinmei Mutual Whole Life Insurance are occupations 1-4.

Finally, the waiting period set by Xinmei Mutual Hengxin Whole Life Insurance is 90 days, which is shorter.

2. Analysis of protection content

The protection content of Xinmei Mutual Hengxin Whole Life Insurance is very comprehensive, covering not only death/total disability insurance, but also aviation accident death/ Total disability insurance, EMU train (domestic) accidental death/total disability insurance, policyholder aviation/EMU train (domestic) accidental death/total disability insurance benefit, specially enhanced coverage of death caused by some specific accidents /Total disability protection.

In addition, Xinmei Mutual Hengxin Whole Life Insurance also has other rights and interests.

Sister, let me briefly introduce the general death/total disability compensation method of this product. From the terms, we can know that the death/total disability insurance benefit is mainly based on the waiting period and 18 years of age. The boundary is used to divide the compensation method, which involves multiplying the paid premiums by the corresponding proportion, the effective insurance amount, etc.

Among them, everyone should carefully look at the effective insured amount.

Now the annual effective insured amount of Xinmei Mutual Hengxin Whole Life Insurance will increase at an annual rate of 3.5% based on the effective insured amount of the previous year, reaching the average level in the market.

If you want to compare similar products with the same insurance coverage increase coefficient of 3.5%, you can take a look at Hongkang Jinyu Mantang 2.0 incremental whole life insurance. The protection and income will not let you down:

"Hongkang Life Jinyumantang 2.0 Incremental Whole Life Insurance Reveals the Secret, Take a Look! 》

As for accidental death/total disability insurance, due to space limitations, I will focus on analyzing aviation accidental death/total disability insurance benefits here.

During the current coverage period, if the insured is accidentally injured as a passenger on a civil aviation aircraft engaged in legal passenger transport with a valid ticket for a passenger flight, and dies as a result of the accident within 180 days from that date Or total disability. In addition to paying the death/total disability insurance benefit, the insurance company will now also compensate 100% of the insured amount as the aviation accident death/total disability insurance benefit. Of course, the maximum compensation cannot exceed 20 million yuan.

What I want to say here is that Xinmei Mutual Hengxin Whole Life Insurance has strong protection.

2. Is Xinmei Mutual Life’s Hengxin Whole Life Insurance worth insuring?

A comprehensive analysis revealed that Xinmei Mutual Hengxin Whole Life Insurance does not have particularly strict insurance rules, such as a wide insurance age range and flexible payment periods. It performs well in terms of protection content and has certain market competitiveness.

Of course, there are better incremental whole life insurance products on the market. You may wish to compare several more before making a decision.

《Freshly baked! Don’t miss the top five high-yield incremental whole life insurance products! 》

Write it at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not been resolved yet For your questions, you can also consult me ??on the official account Xueba Talk Insurance;

I will give you the most professional advice based on my years of experience in configuring insurance for 10W+ families.

Public account: Top academics say insurance costs less, buy the right insurance!