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Where is the allocation of both risks of China Bank?

Recently, several backstage friends came to ask my senior, Samsung Life Insurance Subsidiary of Bank of China, whether these two risks are excellent or not, so I will take you to find out whether the protection of this product is enough ~

Before we start, friends who don't know much about the two risks can read this article first:

"About the two insurance, the salesman won't tell you! 》

1. Bank of China, Samsung, and Bank of China's two full insurance coverage situations are announced!

First of all, I will bring you a detailed product diagram:

1. Ensure that the responsibility setting is simple.

As can be seen from the product drawings, the coverage of BOC Samsung's two-risk insurance is relatively comprehensive, supporting death insurance and expiration insurance.

This can be said to be a relatively basic configuration of endowment assurance products. Many endowment assurance products include not only death insurance and expiration insurance, but also total disability insurance, survival insurance and accidental death/total disability insurance of passenger vehicles.

Therefore, if family members have more security needs, I am afraid it will be more difficult to meet the two risks of Bank of China, Samsung and Bank of China.

2. Only barge can be selected.

Some friends who know about insurance know that many insurance products will include installment payment in the payment period.

If you can choose to pay by installments, you can determine the payment period that suits you according to your own economic situation.

If some friends who are in short supply can choose a longer payment period and pay less premium each time, it can effectively alleviate the temporary economic pressure.

Unfortunately, however, Bank of China Samsung can only choose the form of wholesale insurance now, which cannot give consumers more choices.

3. The insurance age is quite satisfactory.

At present, the age range of China Bank's Samsung Bank's stable interest insurance is 30 days to 70 years after birth, which is quite satisfactory.

The upper age limit of many endowment assurance products on the market is generally 65, but many endowment assurance products guarantee 75.

However, China Bank's two insurance policies have been able to cover most people's insurance needs. If the age does not match, you can look at other products.

The above is the product overview of China-Bank Insurance. If you want to know more, you can read this evaluation article:

"There are two risks in wanting to buy Bank of China Samsung Bank of China? Read the article! 》

2. If you want to buy two insurance policies, what other knowledge points must you master?

1. Double insurance is not necessarily the best financial choice.

Perhaps many friends come in the name of "steady profit", but in fact, the interest rates in endowment assurance are generally not as good as those in annuity insurance and whole life insurance.

At present, the IRR (internal rate of return) of good annuity insurance in the market can be infinitely close to 3.5%, and the IRR of good whole life insurance is generally set at around 3.5%. If family members have financial needs, it will be better to choose annuity insurance or increase whole life insurance.

In addition, China Bank's endowment assurance is actually an ordinary old-age security, but friends who know about old-age security will know that, for example, dividend-sharing and universal endowment assurance products are emerging in the market one after another. Therefore, senior sister is here to take you to know.

If it is a dividend-paying double insurance, to put it bluntly, it is dividend insurance. Need to be reminded that dividends are generally not guaranteed. Whether there is dividend depends on the operation of dividend insurance business in a specific year, and some annual dividends may not be available.

Therefore, if you are thinking about "dividends" and are prepared to make a big profit, it may sometimes be difficult to achieve. You must carefully analyze your insurance needs and judge whether you can accept the point that "dividends are not guaranteed" before making a decision.

Regarding universal insurance, in fact, every time we pay the premium, we actually have to deduct a certain percentage of the initial cost before we can enter the universal insurance account to add value. At the same time, insurance companies will regularly charge security fees and other fees from the account value.

Also, universal insurance also needs to look at the guaranteed interest rate. It can be said that the benefits of universal insurance will be affected by many factors, which may not be as good as friends think.

2. First, complete health insurance and accident insurance.

Finally, Senior Sister would like to remind everyone that if you want to consider endowment assurance, you should first look at whether you have sufficient guaranteed insurance configuration.

For most of us, what we want to buy is critical illness insurance, millions of medical insurance and accident insurance. Among them, critical illness insurance and millions of medical insurance are essentially health insurance.

Generally speaking, critical illness insurance mainly provides protection for 28 high-risk critical diseases stipulated by CBRC (other types of critical diseases are provided by insurance companies themselves). Commendable critical illness insurance also covers the protection of mild/moderate diseases corresponding to high-risk serious diseases, and the corresponding proportion of mild/moderate diseases should be stipulated as 30% and 60% of the basic insurance amount. Secondly, it is best to include additional compensation for serious illness and multiple compensation for malignant tumor.

Millions of medical insurance is usually to reimburse some expenses that social medical insurance does not reimburse. When you apply for insurance, you should carefully look at the protection content, deductible and other matters. Let me talk about accident insurance. We mainly look at whether accidental medical treatment and sudden death protection are covered.

If you don't know what kind of insurance you should buy, this article may help you:

There are so many types of insurance, which one should I buy first? 》

After analyzing from many angles, senior sister found that there was nothing extraordinary about the two risks of Bank of China. If you have two requirements for all risks, Senior Sister suggests that you look at other products. Need to remind you that we should treat dividend insurance and universal insurance rationally, and also remind everyone to configure their own health insurance and accident insurance first ~

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!