Is it as cheap as whole life insurance? Life or term?

There is a popular saying on the Internet, whole life insurance. I heard that its cost performance is very high, and many friends are asking, is its cost performance really that high? How is the income? Is it really worth buying?

Before we begin to explain, Senior Sister will give you a brief introduction to the significance of whole life insurance's increase, and give you a popular science lesson. Please click here to have a look.

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

First, the whole life insurance clause between the United States and the United States is open!

First of all, Senior Sister presents the product protection map of whole life insurance, a famous heirloom in Mei Xin, to readers:

1, the age threshold for insurance is extremely low.

When the senior sister opened the letter and the contents of the whole life insurance clause handed down from family to family in the United States, it was clear at a glance that the insured age was within the range of 7 days after birth to 75 years old! Need to know in advance, many life insurance products are now set at the age of 28 days after birth-65 years old. However, it is a family tradition that the oldest insured age in whole life insurance is 65,438+00 years longer than other life insurance products, and the youngest insured age of this product is only 7 days after birth.

According to senior's experience, whole life insurance with low upper and lower limits can be said to be suitable for all ages. In other words, people aged 30-75 who need financial management or family heirlooms can apply for insurance, and can further satisfy their parents' plan to buy a financial product for their newborn baby.

2. The payment period is diversified.

Whole life insurance offers a variety of payment methods, and customers can choose one of them. Small partners who want to share the premium can choose to pay in 3/5/ 10/20 years. The longer the payment year is defined, the less premium they need to pay in one year, and the lower their personal economic pressure.

If some small partners have good economic conditions, but their income is unstable, the senior feels that it will be more appropriate to choose a one-time delivery. This can avoid the risk of premium interruption due to poor capital turnover, which in turn leads to the interruption of protection.

Maybe some new friends don't understand what bartending means. Want to know the specific content can look at the following article.

What do you mean by wholesale? What are the benefits? 》

3. Short waiting time

Judging from the whole life insurance market, the waiting period of many products is concentrated in 180 days. There is a saying that whole life insurance is different from them. The waiting period is only half of theirs, which is 90 days. Friends who have read the article of Xuejie before know that no matter what kind of insurance, the shorter the waiting period, the better the product support.

After reading the basic information of whole life insurance, a family heirloom between Messing and America, do you want to buy it immediately? Don't worry, if the letter and American heirloom and whole life insurance were like this, senior sister wouldn't have gone to so much trouble to introduce them. The wonderful moment is yet to come.

Second, how good is whole life insurance's income?

Many small partners are very interested in the growth of whole life insurance's cash value, which is well known to everyone. Now let's give an example to analyze it. Lao Wang is thirty years old this year. In order to make 8-year-old Xiao Wang's security more considerate, he bought whole life insurance, an heirloom between Xin and Mei. 10 year payment, annual payment 150000 yuan, basic insurance amount 7 18260 yuan.

Little friends can find that when Xiao Wang's 17 years old happens to be 10 policy year, it is said that the cash value of whole life insurance has exceeded the accumulated premium. By the end of 23 policy years, the cash value of the policy is more than the accumulated premium11080.35 million yuan. When Xiao Wang is only 30 years old, the extra money can be used for family and career.

What is more noteworthy is that whole life insurance, which is inherited by the family, has a growing compound interest effect. As long as Xiao Wang is healthy, not only will the insured amount be higher, but the cash value of the policy will also rise. Once Xiao Wang reaches the age of 100, his descendants will get rich insurance money. What a family heirloom!

Senior, did you introduce it correctly? There is a saying that whole life insurance has low insurance conditions, comprehensive insurance facilities and even considerable benefits.

If friends feel that whole life insurance has a heavy burden, term life insurance is also a good choice. It plays an important role in protecting family life after death. For example, this product is very good:

Can "luxury McDull term life insurance" really achieve high leverage? The answer is here! 》

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!