I like this life insurance

Many people may think that "love insurance" is a joke when they hear it for the first time: "Can love still be insured?" As we all know, domestic insurance companies have played the banner of "love insurance" for their products.

On the eve of Valentine's Day, this insurance is absolutely attractive to lovers. But how to insure love? How to calculate this amount? Can an insurance contract bind a lover's heart?

"Love insurance" does not guarantee love.

"Love insurance" is a word that sounds more practical and evokes the desire to buy than a diamond wedding ring. But the so-called "love insurance" that we can really buy has almost nothing to do with protecting love. It's more like a couple's bundled insurance plan in a love coat.

At present, the main brands of "love insurance" in the domestic market are "Century Together" by China Ping An Life Insurance Company of China Insurance Company, "Love in this Life" by Taiping Life Insurance Company and "Happy Marriage Witness Plan" by Allianz Volkswagen. Take the "Happy Marriage Witness Program" of Allianz Volkswagen, a foreign insurance company, as an example. This kind of insurance has the dual protection of life-long and life-long, and provides insurance benefits such as whole life insurance, silver wedding anniversary bonus and life-long dividend for newly married couples. The insured can also choose additional risks such as hospitalization subsidies, female diseases and medical expenses. The essence of Taiping Life's "love for this life" is a life-long insurance that takes care of both old-age care and security.

It can be seen that the contents of these insurance portfolios are not too special compared with ordinary insurance plans. If something happens to your marriage, don't expect "love insurance" to save the day. "Century Tongxiang" has a special "split option clause", while "Love of this Life" is originally a combination insurance plan, and the husband and wife policies take effect independently. What this policy can do is that the insured may lose a lot of insurance money at the thought of divorce, which may delay for a while and create a turning point for love. But if you have made up your mind to break up, "love insurance" will not play any binding role.

"Love insurance" is conditional.

The reporter learned in the interview that most of the above-mentioned "love insurance" was launched in foreign markets. Even if the "century fragrance" sold in the Beijing market, not all people with love can go.

The insured of "Prosperity with the Century" must be a legally related husband and wife. In fact, "Century Tongxiang" is a kind of continuous life insurance, that is, an insurance policy for couples. The premium of this kind of insurance is more cost-effective than that of a single insurance. Under the same conditions (the insured amount, insurance period and payment period are the same), it is about 60% of the sum of whole life insurance premiums of two insurers. According to this condition, those unmarried couples can't buy such insurance based on their relationship.

However, the scope of the insured is relatively wide, as long as both the insured have insurable interests, such as children can insure their parents.

According to reports, most couples who buy this kind of insurance are between the ages of 25 and 40, especially young couples who just got married. For couples without insurance, experts suggest that the first insurance should focus on similar protection products, reflecting mutual concern, responsibility and commitment.

"Love insurance" does not meet international standards.

Despite the cloak of "love", the domestic "love insurance" is mainly based on personal insurance, so that the insured can get dividends and the spouse's personal safety protection.

For those who buy "love insurance", it is more for a good wish. In the interview, newlyweds Zhang Jun and Sun told reporters: "I bought this insurance to show my commitment to each other, and it is also cost-effective for them to use a policy. True love cannot be maintained by contract. " Aunt Qu, who bought her daughter "love insurance" as a gift, also believes that it is not necessary to buy insurance to keep love, but the key is to cherish it together.

Comparatively speaking, foreign love insurance is more similar to credit guarantee insurance: when the debtor fails to perform the contract and the creditor suffers losses, the insurance company provides economic compensation. The person in charge of China, Beijing and Ping An Life Insurance Company of China Insurance Company told the reporter that China is still in the initial stage of the insurance market, and it is too early to introduce love insurance similar to foreign countries. With the continuous maturity of the domestic insurance market, if the market demand is strong, it can be considered in due course. For commercial insurance, the individualization and diversification of insurance varieties is a trend.

All kinds of foreign love insurance

Love insurance seems to be an alternative insurance in China, but it has existed in Europe and America for a long time and is more perfect.

Britain: an important choice for family financial management

About 20% of newly married couples have taken out love insurance, and about 60% of them regard love insurance as an important choice for family financial management.

The main content of this insurance is that each couple pays 5 pounds a month, lives in harmony for 25 years from the date of insurance, and receives 5,000 pounds of insurance money; If the divorce fails through mediation, the abandoned party can get 3000 pounds.

United States: labor division contract

Divorce shall be divided according to the proportion in the insurance policy. The insurance company shall compensate for the failure to perform due to an accident within the scope of insurance liability. It can also be agreed that the party whose marriage breaks down due to extramarital affairs will be punished in the distribution of property.

Sweden: Married for 25 years, here it is.

Married men and women pay a certain amount of insurance premium every year, and the insurance company will give a certain amount of insurance premium at the 25th wedding anniversary. During this period, if one spouse dies, the other spouse can receive a certain amount of old-age insurance.

Russia: statutory compulsory insurance

The government of Russia (the former Soviet Union) promulgated the Regulations on Compulsory Marriage Insurance in 1976, stipulating that all parents (adoptive parents) and guardians who meet the requirements of the insured should take out insurance for their sons aged 2- 15, and the insured can receive marriage insurance money when they get married at the legal age.

Korea: There is insurance before and after marriage.

This kind of insurance has a history of about 20 years, including love insurance before and after marriage. The former is based on whether the lovers are married or not; The latter is paid on the condition that the marriage lasts a certain number of years, and the marriage is interrupted.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.