What is the significance of Sino-Dutch Anjiabao (Siqing Edition) insurance in whole life insurance?

Whole life insurance, a Sino-Dutch Anjiabao (Siqing Edition), is very popular on the Internet. I heard that the cost performance is very high. Many friends are asking, is the cost performance of Sino-Dutch Anjiabao (Siqing Edition) really that high in whole life insurance? Is it really worth buying?

If you want to look at the evaluation of seniors from another angle, you can poke the following:

"I heard that Sino-Dutch AnJiaBao (four clean-ups edition) whole life insurance performed well? This article tells you the truth.

1. How about whole life insurance Sino-Dutch Anjiabao (Siqing Edition)?

As usual, let's take a look at the security pattern of Sino-Dutch Anjiabao (four clean-up edition) whole life insurance:

Sino-Dutch Anjiabao (Four Clear Edition) whole life insurance supports people aged 0-70. Although this insurance age range is not the widest, most people have the opportunity to configure it.

Sino-Dutch Anjiabao (Siqing Edition) whole life insurance has a lifetime guarantee, and a one-time purchase can guarantee it for life, which is more comprehensive.

It should be noted that Sino-Dutch Anjiabao (Siqing Edition) whole life insurance has five payment periods to choose from, which is worthy of insurance for different groups of people.

Now senior sister will introduce this product of Sino-Dutch Anjiabao (four-clean edition) whole life insurance to you ~

1, the insured amount will "grow"

Sino-Dutch Anjiabao (Siqing Edition) is an increasing whole life insurance, and its coverage of whole life insurance is increasing year by year.

In other words, in the first policy year, there is no difference between the effective insurance amount and the basic insurance amount.

However, since the second policy year, the effective insurance amount of each policy year has increased by 3.5% on the basis of the effective insurance amount of the previous policy year.

Therefore, the better the effective insurance coverage of whole life insurance of Sino-Dutch Anjiabao (Siqing Edition) in the later period, the stronger its ability to maintain value.

2. The corresponding payment ratio is relatively reasonable.

Sino-Dutch Anjiabao (Siqing Edition) whole life insurance covers the payment ratio corresponding to three gears:

At least 18 years old, and under 42 years old160%; +140% for those who are over 42 years old and under 62 years old; 62 years old is 120%.

This corresponding payment ratio is actually quite friendly.

The age stage has reached 18, and it is under 42. At this time, most people may go through the stage of entering the society or getting married, but because they are young, they don't have much savings on hand.

To put it bluntly, this age stage is a stage with heavy responsibilities but poor ability to accept risks.

Therefore, enjoying more at this time can also better transfer the family economic crisis caused by accidents.

From this point of view, the consideration of Sino-Dutch Anjiabao (Siqing Edition) in the whole life insurance is also quite in place.

3. The guarantee is relatively simple.

Sino-Dutch Anjiabao (Four Qing Edition) whole life insurance only has death/total disability protection.

Compared with aviation, public transportation and other similar products that compensate for accidental death/total disability, the guarantee responsibility is slightly single.

For example, people who travel frequently and travel abroad will have more comprehensive protection if they choose products that provide extra compensation for accidental death/total disability such as aviation and public transportation.

However, if you don't often take these means of transportation, the probability of accidents is low, and you can also choose whole life insurance with this guarantee.

After all, the more protection content is added, the higher the premium may be.

Overall analysis, in fact, the choice of safety responsibility should refer to personal safety needs.

However, if we only pursue long-term benefits, we can also pay attention to some old-age insurance, such as the old-age insurance of the richest family under Renren Life, which has considerable benefits. If you are interested, you can have a look:

"Everyone is the big secret of the income surprise of the richest man's house pension annuity insurance! Look before you buy it! 》

2. Is whole life insurance worth buying?

Generally speaking, the guarantee content of Sino-Dutch Anjiabao (Siqing Edition) in whole life insurance is not excellent enough, and its comprehensive cost performance is not very high. You can first look at the same type of products with better protection on the market, and then choose the products that suit you. .

However, when choosing products, friends should not only look at the insurance itself, but also choose according to their own security needs and economic conditions.

For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister sorted out a lot of value for money, to ensure a solid whole life insurance. You can choose the best one here:

"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss 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 many years of experience in configuring insurance for 10W+ families.

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