Life insurance policy loan is credible!

First, the life insurance policy loan is credible!

Regular banks and institutions can do it, but the interest should be clear.

Second, is PICC Life Warm Jinsheng Annuity Insurance reliable?

Reliable, PICC warm life annuity insurance, the basic form is a short-term annuity universal account, which can be paid in three or five years with a guarantee period of 8 years. This is a very short-term annuity insurance in the whole market.

3. Is the term life insurance of 3.PICC life insurance loan borrowers reliable?

The term life insurance of PICC life insurance loan borrowers 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 it really that high? Is it really worth buying? Let's make a detailed evaluation next!

Before starting the evaluation, you can read the following article to have a good understanding of term life insurance:

What is term life insurance? Who is suitable for buying? Everything you want to know is here! 》

1.PICC Life Insurance What about the borrower's term life insurance?

Want to know whether the term life insurance of this life insurance loan borrower is good or not, or dig deep into its product form. Now, let's take a brief look at its product protection diagram:

As you can see, the protection chart of PICC life insurance in the borrower's term life insurance is very simple and easy to understand.

Let's give you a detailed introduction of this product ~

Introduction to insurance rules

There is an obvious difference between this life insurance loan borrower's term life insurance and other term life insurance products-that is, its guarantee period is only 1 year (it can also be shorter than 1 year).

If it is during this period, the term life insurance of the borrower of this PICC life insurance loan will provide the insured with corresponding insurance liabilities.

Regarding the payment period, you can pay the premium in one lump sum, or you can agree with the insurance company on other payment methods.

2. Introduction of guarantee content

Let's take a look at the guarantee content of this life insurance loan borrower's term life insurance.

As can be seen from the product protection chart, the term life insurance provided by this PICC life loan borrower is relatively simple-mainly providing death insurance liability. However, it has an accidental disability insurance liability, which can be attached.

If the insured suffers accidental injury within the agreed guarantee period and dies for this reason within 180 days from the date of the accidental injury, the insurance company will pay the basic insurance amount of this contract as death insurance money;

If the insured dies for reasons other than accidental injury, the insurance company shall pay the death insurance liability at 1.6 times the premium paid as agreed in the contract (excluding interest).

If the accidental disability insurance liability is attached to the insurance, in addition, the insured suffers accidental injury during the insurance period and causes physical disability within 180 days, the insurance company will also pay the corresponding accidental disability insurance premium (a certain proportion of the basic insurance amount) according to the disability level of the insured.

Well, this assessment of the term life insurance of life insurance loan borrowers ends here. If you want to know more about this product, please click the following article:

Is PICC life insurance loan borrowers' term life insurance really good? You will know after reading it! 》

Second, is it worth starting with the term life insurance of PICC life insurance loan borrowers?

Generally speaking, the term life insurance cost performance of PICC life insurance loan borrowers is low. Although the basic guarantee is comprehensive, the guarantee period is only one year, which can not cover the risk stage well and is not worth buying.

For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. For example, the following cherished 2022 term life insurance is very good, including death protection and sudden death protection, and the protection period is also relatively rich. You can compare and see if it suits you:

"Tongfang Global" Cherish 2022 "Internet term life insurance hit hard? Let's talk after reading 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 years of experience in configuring insurance for 10W family.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!

4. Is the term life insurance of life insurance reliable? What kind of person is it suitable for?

If you have enough money, what kind of people are suitable!

Term life insurance is now mainly for consumers. If the insured is still alive at the expiration of the insurance period, the insurance contract is terminated and the insurance company has no obligation to pay or refund the insurance premium. First of all, this is suitable for young people or low-income people at the beginning of their careers. Limited economic conditions can make everyone get the greatest protection at a lower premium during the most important period of family responsibilities, which is a good choice. Secondly, people who are engaged in a certain industry in the short term provide themselves with a certain period of time protection, which is mainly applicable to employees or partners of new enterprises in the unit. Others think it is enough to have whole life insurance and insurance against accidents. Of course, if conditions permit, you can buy several different types of insurance, so that you can have more protection suitable for all ages. Will the insurance money be returned after the term life insurance expires?