Affected by the new regulations, a large number of savings insurance has been taken offline from the Internet.
However, a few days after the new regulations began, a company took the lead in launching a new product - the Great Wall Simatai increased whole life insurance.
The first Internet increase in lifetime, how exactly did it perform. Without saying much, Bao Mei immediately took everyone to see.
How well the product performed
On the whole, Simatai's performance is also not bad, and the basic insurance amount is increased by 3.5% compound interest every year. But the most critical thing about increasing the benefits of life expectancy is to look at the cash value. Here Bao Mei directly shows you:
(1) The initial spot price is high, and the return time is faster
Take a 30-year-old male as an example, 30,000 per year, pay ten years.
At the end of the 8th year of payment, the cash value has exceeded the premiums paid, and the return rate is relatively fast.
This point is even in the serious increase in the inner volume of the lifetime, SimaTai is also considered to be a relatively excellent product.
In terms of income, at the age of 60, the current price reached 679,000 yuan, which is 2.26 times the total premium.
If you need money to retire at this time, you can reduce the insurance and receive a pension every year;
If you don't receive it, you will continue to accumulate interest. By the age of 80, it will grow to 1.35 million.
And in the case of short-term payments, the cash value will be higher.
(2) The current price growth is more balanced
Compared with the products on the market, Smatai's cash value has always been at the upper middle level. Even compared with the previous first-tier products, it still has its own advantages.
Take a 30-year-old male with 100,000 coelent sex as an example. Looking at the initial stage of payment alone, Simatai's cash value is still higher than that of Jin Satisfied.
However, in terms of long-term returns, gold satisfaction is still the most advantageous. Therefore, if it is a friend who has already got on the car before the implementation of the new Rules of the Internet, he is really earned.
Unfortunately, after the implementation of the new regulations this year, products such as Jin Satisfied have been unable to buy online. As an Internet product that we can choose, S simatai is very stable in terms of price performance no matter which time period, or it is a good choice.
The product has no pits
As the first Internet to increase the amount of lifespan, the Great Wall Simatai not only has no pits, but also has no shortage of highlights:
(1) The minimum investment is 1000 yuan, and the payment method is more flexible
The first is that the threshold for insurance is low, the minimum 1000 yuan can be invested, and the payment method will be more flexible. Rarely, two additional options are added, 8 years and 12 years. Insurance is very friendly for friends who have savings needs but have a small budget.
(2) Bring your own policyholder exemption
Before the age of 60, if the insured dies or is completely disabled due to accident during the payment period, he or she can directly waive all premiums at the end of the contract.
Simply put, the remaining unpaid premiums do not have to be paid. However, the policy is still valid and the current price will continue to increase. Ideal for parents to insure their children. You can enjoy exemption from liability and extend the appreciation time of cash value, and the upper limit of income will be higher.
(3) The rights and interests of the addition and subtraction of insurance are written into the contract
The biggest feature of Simatai is that the rights and interests of the increase and reduction of insurance are directly written into the contract. Don't worry about taking money in the future, there is no guarantee, as long as it meets the terms and regulations, you can use it flexibly.
However, accordingly, the contract also limits the addition and subtraction of insurance:
In the case of add-on, for example, you can only apply for the first 5 years of the policy. And it can only be added once a year, and the limit is 20% each time. Simply put, the sum insured can be doubled in total.
Similarly, the policy reduction is also once a year, and the maximum amount of the original policy is taken at each time.
Although it seems that there is a limit to taking money every time. However, if it is already used for the elderly, or intends to be used for a long time, its impact is not large. As long as it is through reasonable planning, it is very convenient to receive money.
The restriction that can only be received after 5 years can just prevent the loss problem caused by taking money too early. So in actual use, this is not too inconvenient.
However, it should be noted that Sima Tai's health information is relatively strict.
Compared with the previous underwriting of loose increased lifetime life, SimaTai's health notice will be relatively strict:
Not only were I asked if I had a history of denial of insurance, a history of claims, high blood pressure, and diabetes, but I also asked if I had common diseases such as polyps, nodules, and cysts, and whether there were abnormalities within 6 months.
Therefore, before purchasing, we must pay attention to health information.
summary
Overall, as the first Internet increase in lifespan, the Great Wall Simatai is still quite good. Especially in the case of expected interest rates to fall and yields to gradually shrink, if you want to stabilize and lock in long-term returns, increased whole life insurance is still the first choice at present.
Moreover, after the implementation of the new regulations, it is difficult for the Internet's savings insurance product market to return to the era of the last year when the gods fought and constantly rolled in. So friends who have missed it before, this time it will be configured as soon as possible.
If you don't understand, let me help you plan one-on-one