1, Everyone is safe for a long time 19 The protection provided by whole life insurance is death insurance. If the insured dies before the age of 18, it shall be paid according to the cash value of the policy at the time of death and the greater value of the premium paid; The insured dies after the age of 18 and before the first policy anniversary date when the payment period expires, and is paid according to a larger proportion of the cash value at the time of death and the premium paid; If you die after the first policy anniversary after the expiration of the payment period, you will pay compensation according to the larger proportion of the basic insurance amount, cash value and premium paid at the time of death. In addition, the proportion of death insurance payment is: the insured 18-40 years old, 160%, 4 1-60 years old, 140% and 6 120%.
2. You can choose 3 years, 5 years or 10 years as the payment period in the long-term whole life insurance. If the insured chooses to pay within 5 years, the insured will enjoy lifelong protection and need not surrender. In addition, the insured age of this whole life insurance is 28 days to 70 years after birth, and the minimum premium is 65,438+0,000 yuan, which can be increased by integer multiples of 65,438+0,000 yuan. Insurance liability includes death insurance, and the insurance amount can be increased year by year.
3. Everyone's Nine Ans 19 whole life insurance is mainly engaged in death insurance. The maximum underwriting age is 70 years old. The insured can flexibly choose the payment period according to the economic base, and the insured amount will increase by 3.5% every year. Insurance products are cost-effective, and insurance is cost-effective; When planning this whole life insurance, users should ensure that the premium expenditure is within a reasonable range and will not affect the basic life of the family.
Sickness insurance is usually a policy of critical illness insurance, including hospitalization and compensation for major diseases. Environmental deterioration, food safety and irregular life lead to higher and higher incidence of serious diseases and lower onset age. With the continuous development and progress of medical technology, the cure rate of serious diseases is getting higher and higher, and the cost of treating serious diseases is getting higher and higher. Now, once a serious disease occurs, there will be huge expenses. Excluding nursing expenses, nutrition expenses and income loss during illness. Moreover, the medical expenses for serious illness are expensive, and the proportion of social security reimbursement is limited. Therefore, imported drugs and targeted drugs are not reimbursed, and it is really not enough to rely solely on social security to deal with these risks. All sickness insurance is very important.