Yi Yue Worry-Free Lifelong Care Insurance can be said to be very popular on the Internet. I heard that the cost performance is very high, and many friends are asking, is the cost performance of Yi Yue Worry-Free Lifelong Care Insurance really that high? Is it really worth buying?

Taking advantage of this opportunity today, Senior Sister will give you a good evaluation ~

Senior Sister feels that many people don't know much about whole life insurance, so you can read this article first:

"Who is the sacred whole life insurance that can manage money and guarantee the increase? Is it worth starting with?

1. What are the protection contents of Yi Yue's worry-free?

As usual, the senior is pictured above first:

Yiyue Worry-Free provides lifelong protection, which can be insured for people aged 28 days to 65, and can enjoy the protection of illness death/nursing.

Even though EasyCare is a kind of nursing insurance, it actually belongs to whole life insurance, where the insured amount is increased by 3.5% every year, and the longer you live, the higher your worth will be.

In addition, EasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyYou can also increase the policyholder's exemption. If the policyholder dies or suffers from a serious illness, you don't have to pay the subsequent premiums.

To tell the truth, in fact, the advantages of EasyCare are quite obvious:

1. Wide coverage age

From the perspective of an increased whole life insurance, EasyCare has a wide coverage age range, and people born from 28 days to 65 years old can choose this product.

Not all the increase in whole life insurance has such a wide coverage. Many insurance products on the market support people aged 55 and 6 to insure. In contrast, EasyCare is more close to the people aged 6-65.

2. Loose occupational restrictions

Many whole life insurance products on the market have set many regulations on the occupations to be insured, and generally only 1-4 occupations are allowed to be insured.

This shows that it is very difficult for high-risk employees such as firefighters, miners and riot police to buy this kind of whole life insurance.

Comparatively speaking, EasyWorry-Free has less stringent requirements for underwriting occupations, and can be used for 1-6 occupations, which is even better for high-risk employees.

Many people don't know whether their occupation will affect insurance. Just look at this article and you will understand:

"What is the impact of occupational restrictions on insurance? Please collect this 6-category occupational insurance guide as soon as possible!

3. The guarantee period is long

Yiyue Worry-Free gives the insured a lifetime guarantee, which means that once you buy this product, you will enjoy disease care/death protection for life.

Especially the older people are more likely to get diseases when they are getting older. If there is a guarantee, the economic risks brought by diseases can be transferred.

A carefree insured enjoys lifelong protection. With such a long protection time, he can better escort the insured.

4. High income

For example, like 4-year-old Lao Li, he chose Yiyue Worry-Free for insurance, paying 1, yuan a year for five years.

Then the benefits of EasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyEasyOn the sixth year, which

When the insurance policy expires for 3 years, Lao Li's worth is close to 1.3 million yuan. At this time, the insurance premium for nursing and the insurance premium for illness and death are almost 1.3 million yuan respectively.

If Lao Li dies at the age of 9, the cash value at this time is about 2.59 million, which is more than five times of the premium paid at the beginning. The income is true and it is very good. This money can be passed on to future generations for the benefit of future generations.

Second, how about the upgraded EasyCare 2. life-long care insurance?

Let's take a look at the protection map of EasyWorry-Free 2. Lifelong Care Insurance:

1. Analysis of insurance conditions

It can be seen that the insurance age of EasyWorry-Free 2. Lifelong Care Insurance is still 28 days after birth -65 years old.

However, this product has been upgraded in terms of payment period. This product provides five payment periods, and the longest payment period can be 2 years.

If you have a high income and want to pay the premium in one lump sum, you can choose to pay in bulk.

If the income is limited but stable, you can choose to pay in installments, such as 1 or 2 years.

Other insurance conditions being the same, the longer the payment period, the lower the premium payable in each period and the less the payment pressure.

2. Analysis of guarantee responsibility

The guarantee content of Yi Yue Wu You 2. lifelong care insurance mainly includes nursing insurance and illness death insurance.

When the insured loses the ability of daily living due to accidental injury or non-accidental injury after the waiting period and lasts until the end of the observation period, he can get an insurance money to make up for some economic losses.

If the insured does not lose the ability of daily living after the waiting period, but dies due to illness, then the beneficiary can get a death insurance money. Among them, the payment of death insurance benefits provides different payment ratios according to the age of the insured.

Generally speaking, EasyWorry-Free 2. life-long care insurance is quite satisfactory, but whether it is suitable for individuals to buy together should be analyzed according to the actual situation. If you think it can meet your own protection needs, you can consider starting!

If you are not satisfied with this product and want to choose another premium whole life insurance for insurance, you can refer to the list compiled by Senior Sister:

"Fresh from the oven! Five High-yield Increases whole life insurance, Don't miss it!

Written at the end

I am a schoolmaster who talks about insurance and focuses on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to WeChat official account Xueba and ask me about insurance.

I will give you the most professional advice based on years of experience in configuring insurance for 1W+ families.

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