Hello, I'm Teacher Cheng
Insurance products are the most familiar and the most patient in answering questions
This is my 236th original article
In the article posted yesterday, some partners said that they could not see where the specific good was
Today we will talk in detail about the 5 reasons why this product is popular
1. Fast return on capital
30-year-old women, 10,000 per year, pay 10 years for example
When the premium has not been paid, the 8th year can be returned and a good return
2. High long-term interest rates
Or take a 30-year-old woman, 10,000 a year, and pay 10 years as an example
Just after paying the premium, compound interest can reach 3.44%, simple interest can reach 3.82%
Long-term compound interest is close to 3.49%, infinitely close to the regulatory cap of 3.5%.
3. Easy to operate
Hongkang is a company that cares more about the Internet experience
Like before, my customer 300,000 serious illness claims can be handled directly online
The part of the increase in the whole life expectancy, all of which can be directly operated by the public account
4. Low interest rates on loans
At present, Hongkang Life's loan interest rate is the lowest in the industry, which is 4.5%.
In addition, you choose to pay for 10 years, because in the 8th year there is a good income, if there is pressure to pay in the last two years, you can also reduce the insurance and take out a part of the cash value to pay the premium, which is very flexible
5. Environmental trends
This article yesterday has mentioned, on the one hand, the general trend interest rate is getting lower and lower,
On the other hand, the supervision is becoming more and more stringent, the new products can not be returned too quickly, and the guarantee reduction has a 20% limit, so the old version of the product has an absolute advantage over the new product
Other general advantages are not mentioned, such as safe and stable compound interest appreciation, wealth inheritance, capital segregation and so on
Teacher Cheng summarized
Fast return, high yield, easy to operate, low loan interest rate
At the same time, because of the limitations of the environment, the follow-up products cannot exceed this, so this is the reason why it is on fire
END
Hello, I am Cheng Siwen, a former gold consultant and training instructor of listed insurance brokerage platform, known as Teacher Cheng
Engaged in the industry for 7 years, serving tens of thousands of customers, I have seen too many people buy insurance into the pit, many people buy insurance and do not even know what to insure.
In fact, buying the wrong insurance is more terrible than not buying insurance, and now I will let you understand all kinds of insurance knowledge through the simplest article.
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Allows you to avoid falling into the pit
Hope you have insurance
No more confusion