What kind of insurance does freshman 12 insurance belong to?

Brother Bao said insurance, focusing on insurance evaluation! In the past two days, I have compiled a comparison table of domestic popular life insurance. Let's take a look at this article: Top Ten Insurance Companies Selling Life Insurance in 2020!

Belongs to whole life insurance (dividend insurance). At present, the product has been upgraded to 17 version. Let me give you a brief introduction.

The main insurance for Ping 'an freshmen is dividend-paying whole life insurance, which is paid to the critical illness insurance in advance. Tell a joke, is it similar to the shampoo products launched in earlier years? It is inevitable that many people don't know the common sense of shampoo and hair care. Shampoo is alkaline and conditioner is acidic. Many users feel that it is much easier and more secure to mix the two.

The question is, is this product worth buying? Then let's take a look, as shown in the figure:

See what are the advantages:

1. Brand strength: Ping An, an almost household name company, has strong financial resources and good claim-making ability.

This product also has the following disadvantages:

1. There is little guarantee: there is no guarantee for mild and moderate diseases, and only 80 kinds of serious diseases are guaranteed.

2.*** Coverage: The death and serious illness insurance of this product is covered by * * * *. If you get a serious illness in the middle, the protection of death does not exist.

3. The policy dividend is unclear. Dividend? The cash value and dividend value are not fixed, but calculated according to the performance of the insurance company in that year. The income is full of uncertainty, sometimes less, sometimes not.

4. The price is high. The 30-year-old male is insured for 500,000 yuan, and the annual premium is about 1.4 million. And the security and income are not good, the money is not worth spending!

I won't elaborate on this product one by one. Click on the blue word to view the full version of the analysis: The following is a thoroughly analyzed article, which is recommended for everyone to see:

In a word, I don't recommend you to buy this kind of dividend insurance. Why? Poke the blue word to see the answer: