Is the income of Ronghua's whole life insurance in Qianhai Life Insurance (Evergreen Edition) good? Is the cash value high?

The whole life insurance, the Ronghua family of Qianhai Life Insurance (Evergreen Edition), 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 Ronghua Family Life Insurance in Qianhai Life Insurance (Evergreen Edition) really that high? Is it really worth buying?

The more comprehensive the evaluation, the better. However, the space of this paper is limited. Senior wrote the analysis from other angles below:

Want to buy whole life insurance (Evergreen Edition) of Qianhai Ronghua Family? Let's talk after reading this article! 》

1. How about the Ronghua family of Qianhai Life Insurance (Evergreen Edition) in whole life insurance? OK or not?

As usual, let's take a look at the product form diagram of whole life insurance of Qianhai Ronghua Family (Evergreen Edition):

1, analysis of insurance rules

The insurance rules of whole life insurance Qianhai Ronghua Family (Evergreen Edition) mainly include three aspects: insurance age, guarantee period and waiting period. Senior sister explained them one by one.

First of all, the insurance age range of whole life insurance of Qianhai Ronghua Family (Evergreen Edition) is from 28 days after birth to 75 years old, which is quite broad. At present, the elderly also have the opportunity to meet the needs of wealth inheritance and old-age care through this product.

Secondly, the whole life insurance of Qianhai Ronghua Family (Evergreen Edition) is currently an additional whole life insurance, and the optional guarantee period is only "lifetime".

Finally, regarding the waiting period, Qianhai Ronghua Family whole life insurance (Evergreen Edition) supports the waiting period of 90 days.

It can be said that in these 90 days, even if the insured has an agreed insurance accident, the insurance company will not bear the corresponding insurance liability at present, except for accidental injury.

2. Analysis of guarantee responsibility

Qianhai Ronghua Family (Evergreen Edition) whole life insurance's security responsibility is relatively simple, and it only provides death/total disability protection. However, the compensation method of this kind of protection is not simple, involving effective insurance amount, corresponding compensation ratio, cash value and so on. In addition, the product also provides three kinds of cash value rights.

Senior, what I want to focus on here is effective insurance coverage.

One of the biggest highlights of Qianhai Ronghua Family (Evergreen Edition) whole life insurance is that the insured amount will keep increasing. The longer the life of the insured, the more perfect the value guarantee. I believe many consumers are attracted by this.

From the whole life insurance clause of Qianhai Ronghua Family (Evergreen Edition), we can know that in the first policy year, the effective insurance amount is equal to the basic insurance amount; Starting from the second policy year, the effective insurance amount of each policy year is calculated by multiplying the effective insurance amount of the previous policy year by (1+3.5%).

It can be understood that {from whole life insurance-Qianhai Ronghua Family Evergreen Edition 32} the effective coverage of whole life insurance (Evergreen Edition) of Qianhai Ronghua Family is gradually increasing with compound interest of 3.5% every year.

For example. Assuming that the effective insured amount of Qianhai Ronghua Family (Evergreen Edition) in whole life insurance in the first year is 65,438+10,000, the effective insured amount in the second year is actually10× (1+3.5%) =103500, and in the third year it is 10.35.

Looking at the increment of the whole life insurance market at present, the increasing coefficient of the insured amount of whole life insurance of Qianhai Ronghua Family (Evergreen Edition) has reached the average level at present.

In addition to increasing the whole life insurance, the coverage of some nursing insurance will also increase, such as enjoying the annual lifelong nursing insurance, which is very striking:

What should I pay attention to before buying annual lifelong care insurance? 》

2. Is the Ronghua Family Life Insurance of Qianhai Life Insurance (Evergreen Edition) worth starting with?

To sum up, Qianhai Ronghua Family (Evergreen Edition) has less responsibility to guarantee whole life insurance, and its comprehensive cost performance is not high enough, and its market competitiveness is not prominent enough. Friends may wish to look at other products of the same type first, and then choose the one that suits them.

For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister sorted out a lot of value for money, to ensure a solid whole life insurance. You can choose the best one here:

"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》

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!