Which is the best increased whole life insurance?Is it really safe?

Hello,

1. The pursuit of fast return to capital:

Life Insurance Name: Hongkang Life Kanggan No. 1 Jinman Whole Life Insurance

The sum assured increases with 3.80% compound interest every year, how long you live, how long you will grow, you need to get back your funds quickly, come to understand which is the best 2022 incremental whole life insurance, this product is very fast.

Example: 30-year-old male, invest 100,000 per year, pay in 3 years, guarantee lifetime, compare similar products:

(1) Hongkang Life Insurance Kangqian No. 1 Jinmanman Whole Life Insurance, 302,000 yuan will be paid back at the age of 34;

(2) Guolian Life Yiduo Whole Life Insurance: 37-year-old repayment, that is, 364,500;

(3) Dingcheng Life Insurance Duo Duo Life Insurance: Repayment at the age of 37.

2. Low threshold for insurance restrictions:

Wealth management insurance starts from thousands of yuan and pays annual fees. More than 95% of lifetime final life insurance is usually paid at 5,000 yuan per year. Although the insurance threshold is much lower than that of annuity insurance, it is suitable for some salarymen with tight budgets.In terms of annual insurance premiums, it is still relatively tight.

Under this situation and demand, depending on which 2022 incremental whole life insurance is the best, you must choose the insurance product with the lowest premium. From the comparison of various products, you can pay attention to:

Life Insurance Name: Simatai Incremental Whole Life Insurance

(1) Minimum requirements for premiums: you can apply for insurance with a minimum of 1,000 yuan, and the threshold for insurance is relatively low, which is quite friendly to young people who have just come out of the society and the working class;

（2）Insurance amount increment ratio: 3.5% increment every year;

(3) Product advantages: On the one hand, this product is insured for occupational support categories 1-6, with a low threshold for insurance coverage, and the policy rights for additional insurance and insurance reduction applications are covered, which is relatively rich.

If necessary, you can add my WeChat, I will use the most professional knowledge to help you choose the right insurance, don't step on the pit!

1. Hongyun Zengli Whole Life Insurance
(1) Features: Expected returns are particularly high;
(2) IRR value: In the long run, the IRR will remain above 3.49%, which is a relatively high rate of return in the industry.
(3) Example: A 30-year-old male invests 10,000 yuan per year, pays it in 10 years, and guarantees it for life. At the age of 60, the cash value of the policy will double, that is, 240,300 yuan.At the age of 80, the cash value will reach 478,000, nearly 5 times the principal, and the IRR will remain at 3.487%, which is almost 3.5%.
In addition, this product comes with automatic advance payment, reduced payment and policy loan rights, as well as holiday traffic accident death protection, with more complete functions.
2. Love Life Patron Saint 3.0
(1) Features: Support high-risk occupational insurance, rich protection rights and interests, with functions of addition, reduction of insurance, payment of reduced amount, and conversion of old-age annuity.
(2) IRR value: In the long run, regardless of age group, its benefits are relatively high.The IRR is also above 3.49%.
(3) Example: A 30-year-old male invests 100,000 annually, pays it in 3 years, and guarantees it for life. At the age of 60, the cash value of the policy will double to 811,700.At the age of 80, the cash value will reach 1.6151 million. If you die at the age of 90, you can leave 2.278 million for the family, and the IRR value is 3.5%.


In principle, it is not recommended that you buy insurance at will. Insurance has certain special characteristics. The insurance applicable to each family is different. It is recommended to purchase insurance after detailed consultation!If necessary, you can add my WeChat, I will use the most professional knowledge to help you choose the right insurance, don't step on the pit!

1. Ping An Shengshi Jinyue Whole Life Insurance

China Ping An Shengshi Jinyue This is a product that combines savings and whole life insurance, the sum assured and the cash value will increase for life!The fixed 3.5% compound interest rate continues to grow every year!Cash flow covering all stages of life!Responsibilities of education, marriage, pension, inheritance, and love—step by step!

Three years, five years and ten years, the current price quickly exceeds the premium, the lock-in interest rate is 3.5, and the compound interest increase is increasing!

Ping An's new product [Shengshi Jinyue] will be launched on 3.1!Early booking, early profit!Choose Shengshi Jinyue and enjoy a lifetime of superiority!

2. China Post Nian Nian Hao Postal Insurance Lifetime C Section Whole Life Insurance

China Post Life Insurance has launched the China Post Nian Nian Hao Post Insurance Lifetime C Type Whole Life Insurance. This product is a traditional whole life insurance with a wide range of insurance coverage and lifetime protection.The five major characteristics of good, rights and interests, and wide age.

Product Features:

1. "Insurance increase"

The annual insurance amount of the policy is increased by 3.3% every year, and the death or total disability protection is sufficient.

2. "Stable value"

The policy cash value contract states that it will steadily increase year by year, safe and more stable!

3. "Good inheritance"

High-value lifetime protection, which can protect the designated beneficiary, directional inheritance behind him, wealth and blessings for future generations!

4. "Benefits"

The insurance policy can apply to reduce the basic insurance amount and pledge the loan for the insurance policy, in case of emergency, with peace of mind and peace of mind.

5. "Wide age"

Those who are born 30 days to 70 years old and meet the insurance conditions of our company can be regarded as the insured.

There are many products for insurance, which are suitable for people with different needs. If you don't know which one is better, please consult me, I will give you a satisfactory answer, and don't step on the pit.