Sycamore Insurance Brokers has made another hit, and Li Jiujiu's increase in whole life insurance is the only one

Since 2020, affected by the epidemic, the new personal insurance business of life insurance companies has continued to be weak, and in the game of personal health protection and pension financial planning, many people still focus on choosing insurance products that take into account both protection and financial management. Recently, a number of life insurance companies and professional intermediary companies have come together to launch incremental whole life insurance, and the premium income of incremental whole life insurance has also increased in the proportion of life insurance company premium income. In this regard, recently, Sycamore Insurance Brokers and Hengqin Life launched an exclusive customized product - Lijiu Increase Whole Life Insurance, which added another explosive model to the popularity of increased whole life insurance.

The proportion of premium income from increased whole life insurance increased

　　Different from health insurance and critical illness insurance and other protection products, incremental whole life insurance actually has both protection and saving functions, providing consumers with stable and sustainable growth of value protection, and has a relatively strong ability to resist risks.

　　Under the background of the pressure on the growth of new personal insurance orders, although the downward trend of interest rates is obvious, people still turn their demand to long-term pension financial planning. In this regard, many insurance companies have already caught new changes, and turned to target tepid increased whole life insurance, and launched related products, such as Hongkang Life's Liduoduo increased whole life, Hengqin Life and Sycamore jointly customized "Lijiu" increased whole life.

　　It is understood that the premium income of increased whole life insurance is getting higher and higher in the premium proportion of life insurance companies, and in 2020, the increase in total life insurance and annuity insurance products jumped into the top ten seats of annual sales of futures delivery products, and in the annual report of 76 life insurance companies last year, 30 insurance companies appeared in the top five insurance products with original insurance premium income. In this regard, Sycamore Insurance Research Institute said that in the future, Internet insurance intermediaries will be driven by products to driven by customer demand, and customer-centric product design and sales will be carried out, and customer experience will become a very important indicator.

Low insurance threshold to create a free and flexible consumption experience

This Lijiu increased whole life insurance customized by Sycamore Insurance is not only simple in health information, but also the insured age can be paid in the range of 28 days to 70 years old, 1-6 types of occupations can be bought, and the product payment period is flexible, which can be paid in one go, or 3/5/10/15/20 years. In addition to the intimate setting of the insurance threshold and the payment period, Lijiu also fully considers the needs of customers, combined with the user's money needs at different stages of life, such as children's education, personal pension, wealth inheritance, etc., the user can up to 80% of the current cash value, helping to solve the urgent need for funds and alleviate pressure.

Lijiu Long Plus Whole Life Insurance also supports increase and reduction of insurance, which can flexibly allocate assets. Compared with some increased whole life insurance that can only reduce the insurance, the benefit of adding and subtracting insurance is more optional.

On the basis of consolidating the basic plate of long-term insurance and customized products, Sycamore has further broadened the breadth of product coverage, through the layout of all insurance types and the creation of a diversified product system, it has realized the coverage of health insurance, life insurance, annuity insurance and other types, built a full-life insurance product system, and further tapped and released the business growth potential.

With the increasing number of high-net-worth individuals in China, there is still great room for expansion of guaranteed growth products. Under the background of the industry entering the fast lane of healthy development, Sycamore will continue to take users as the center, constantly polish its internal core capabilities and improve operational efficiency, and provide users with more diversified and personalized products and services. In the future, it is believed that there will be more innovative products in the market.