Is the beloved Xinchuan whole life insurance worth buying? What is the content of the guarantee?

For high net worth people, they are keen to buy a whole life insurance for the sake of wealth inheritance.

Recently, many fans and friends asked me privately how Everbright Yongming's beloved life insurance was, whether it was good or not, and whether it was worth buying. So the following senior sister will take you to evaluate it!

1. Is Everbright Yongming's beloved Xinchuan whole life insurance worth buying?

Senior sister used a form to sum up the protection of Sun Yongming's beloved Xinchuan whole life insurance to all her friends. Cut the crap, let's get to know the product form through the protection diagram:

It can be concluded from the above picture that it is the responsibility of whole life insurance, the beloved Xinchuan of Everbright Yongming, to ensure death and high disability, which is not complicated at all.

Next, Senior Sister will introduce the insurance rules and protection contents of whole life insurance, the beloved Xinchuan of Everbright Yongming, and find out what advantages this product has.

1. Insurance rules: wide insurance age and flexible payment period.

Everbright Yongming's beloved Xinchuan whole life insurance's insurance age range is 18-70 years old, that is to say, old people who are too old or young people who have just grown up are allowed to buy this product. It can be said that the insurance age range is very large, and the insurance needs of people of different ages can be met.

Everbright Yongming's beloved whole life insurance has set up many payment cycles, and you can choose to pay in batches or installments according to your own needs. If you pay by installments, you can choose to pay by installments of 3 years, 5 years, 10 years, 15 years, 20 years and 30 years. If the budget can generally be paid in 20 years or at the longest in 30 years, friends with unstable income but ample money can choose to pay in batches or pay the premium as soon as possible.

If you don't know how to choose the payment period, you can look at the expert's advice:

"How to choose the payment period so as not to lose money? 》

2. Guarantee content: support the increase of insurance and have the right to convert annuities.

Everbright Yongming loves whole life insurance to increase the insurance coverage. As we get older, the burden on us will become heavier and heavier. It is very likely that the original insurance coverage of life insurance can no longer cover our family's debts and economic risks. At this time, we just choose to increase the insurance coverage. There is no need to buy another life insurance and go through a waiting period. Really excellent!

Whole life insurance, the beloved of Everbright Yongming, has the right to convert the annuity. If you want to live a high-quality old-age life, you can choose to convert this insurance policy of wealth inheritance into annuity insurance at this time, which can make us feel at ease. This right can be said to be very practical.

I have come to an end about the beloved Xinchuan whole life insurance of Everbright Yongming. For those who want to know more about this product, this in-depth evaluation article suggests to double it:

Dear Xin Legend has set off a buying craze all its life? What's so special about it? 》

2. How much is the coverage of whole life insurance, the beloved Xinchuan of Everbright Yongming?

Everbright Yongming's love for Xinchuan life is a kind of life insurance, with death as the payment condition. If the pillar of the family collapses, other family members will lose their living security, resulting in great losses to the family, so we should plan the insurance amount according to the actual situation of the family.

When you insure the beloved whole life insurance of Everbright, you need to cover all household debts, such as mortgage and car loan. If the insured has no family debt, make a plan based on the family living expenses, at least 200,000. The maximum amount shall not exceed 15 times of the annual income.

If the insurance amount increases, the corresponding premium will also increase. Too much premium will lead to a lot of financial expenses, and then the family burden will become bigger and bigger, so we just need to choose enough insurance, and we don't need to blindly pursue higher and higher.

If you still don't know how to choose the right amount of insurance according to your own situation, you can read this article:

How much insurance is appropriate? Talk about the doorway inside.

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!