Is it really good for Hongkang Life to increase profits in whole life insurance? How much will it cost for five years?

Whole life insurance is one of the hottest financial risks in the market. For example, Liduoduo has increased whole life insurance, and many people ask how this product is cost-effective.

I've compiled more information about the increase of whole life insurance for you. You can read the following article to find out:

"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》

Today, the seniors came to the whole life insurance under Hongkang Life Insurance for a wave of evaluation. It is rumored that the effective insurance amount is increasing at a rate of 3.8% every year. At the same time, many rights and interests such as increasing insurance and decreasing insurance are allowed to be returned quickly. Is the fact the same as the rumor? Sister Xue reveals the answer for everyone!

First of all, Hong raised his salary, and whole life insurance's advantages were made public!

Before it's too late, let's take a look at the security content map of Hongkangli's increase in whole life insurance:

As can be seen from the figure, Hongkangli's safeguard measures to increase the whole life insurance quota are also very old-fashioned, providing two kinds of protection for death/total disability liability, and also providing four rights and interests to people: reducing insurance, increasing insurance, paying off reduced insurance and policy loans. So is this Hongkangli whole life insurance worth buying? What are the advantages?

1. Low investment threshold and wide insurance age.

The minimum insurance threshold for Hongkangli to invest in whole life insurance is only 5,000 yuan. Compared with the investment threshold of whole life insurance 1 1,000 yuan, it is not so ideal for Hongkangli to increase investment in whole life insurance so that people with tight economy can bear it.

Moreover, people from 30 days to 75 years old can be insured through Hongkangli, increasing the lifetime insurance coverage, so that babies as low as 30 days and elderly people as high as 75 years old have the opportunity to be insured, which meets the wealth appreciation needs of different groups of people.

2. The growth coefficient of insurance coverage is high.

Hongkangli's annual insurance coverage in whole life insurance is increased by 3.8%, which is very high among similar products. The longer the insurance period, the more insurance coverage accumulated.

3. Provide multiple policy benefits

Whole life insurance gave four kinds of policy benefits, including insurance reduction, insurance increase, settlement insurance reduction and policy loan.

Among them, insurance reduction refers to reducing the amount of insurance, in other words, partial surrender. You want to keep this insurance when you don't have enough money. You can try to reduce insurance, so that you can get cash value and solve the money problem.

Of course, if you don't want to reduce insurance, policy loan is another way, but the maximum loan can't exceed 80% of the cash value at that time, and your capital turnover problem can be solved.

Increasing the insured amount means increasing the insured amount. It is suitable for people who want to increase the insured amount at the beginning of purchase, and does not need too much budget investment. After the economic situation has eased in the later period, the more benefits will be gained in the later period.

Deduction settlement is a corresponding reduction in the amount of insurance, mainly to pay off the remaining premiums, which is beneficial to those who are under pressure to continue to pay premiums due to some uncontrollable factors, or who have limited ability to pay, but want to keep this policy.

In a word, whole life insurance, with a large increase in Manulife, not only has a low investment threshold, a wide insurance age and a relatively high insurance coverage increase coefficient, but also has other rights and interests protection, such as reducing the insurance coverage and increasing the insurance coverage, which is also a quite good financial insurance. But before buying, you need to know the following details:

Is it worthwhile to buy whole life insurance and increase "Hongkang" and "Lido"? I was shocked after calculating my income. "

2. How about Hongkangli increasing whole life insurance's income?

Whole life insurance is an insurance product with both life insurance and wealth management benefits. Of course, in addition to security, what we value most is its income.

Share a case with the seniors. Kobayashi, 30, was insured by Hongkangli in whole life insurance to increase the insurance coverage, and he had to pay a premium of 65,438+10,000 yuan every year. Let's measure the benefits after five years:

As can be seen from the income chart, when Kobayashi was 35 years old and just paid a premium of 500,000 yuan, Hongkangli increased the cash value of whole life insurance to 510.2 million yuan, which means that this product earned back the principal in the fifth year, and the return rate was super fast.

At that time, Kobayashi was 40 years old, and the irr reached more than 3.5%, which was unmatched by most whole life insurance.

When Kobayashi is 60 years old, the cash value will basically be 65,438+0,309,000. He will get 65,438+0,847,000 when he is 70 years old, and 2,606,000 when he is 80 years old, which is quite high.

The insured reaches the age of 80 and wants to surrender. At this time, the cash value has reached 2.606 million. Apart from the premium of 500,000 yuan, he can still get the income of 210.06 million yuan, which can be used to support the elderly and benefit future generations.

To sum up, there are many praiseworthy whole life insurance with high internal rate of return (irr) and remarkable rate of return. It is a good financial product and worth buying.

Of course, in addition to this Hongkangli whole life insurance, there are products with high yield, which can be compared more:

"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》

Write it at the end

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