What are these risks?
A:
The price of Hongxiang 04 is1230-the guarantee is: if you die within 20 years, you will pay the insurance money in full. If there is no death within 20 years, the insurance premium will be paid in full at the end of 20 years.
Hongxiang is seriously ill: 50 ——————— In case of serious illness, the insurance premium will be paid in advance.
Exemption for serious illness:150 ————————— After the occurrence of serious illness, the subsequent insurance premiums will be exempted (the insurance will continue to be effective).
Additional short-term insurance: 160- 80% of hospitalization reimbursement, and the part of accidental injury that actually costs more than 100 shall be paid in full.
When can I use this insurance?
Answer: The insurance liability is as follows:
Insurance claims for (non-fatal) accidents within 20 years. Pay the insurance premium in full at the end of 20 years.
In case of death within 20 years, the insurance will pay in full and the liability will be terminated.
If you don't insure now, can you get back the money you invested before?
A: The original plan was to pay for 20 years. If you don't pay for three years, you will definitely not get back the money you invested before. It will take at least 12 years to get the capital back. But if you pay enough for 20 years, you can get back 3-6 times the money you have invested.
Save a few hundred yuan every month,
Promise you for decades.
If you are still alive when it expires,
How many times has the principal dividend turned over!
-Hong Xiang
My wife is a adjuster of Ping An Insurance.
Personally, I think Hongxiang is quite good.
The above is a poem I made up!
I bought it for 35 years, paid it in 2008, and insured it for 80 thousand.
After 35 years (or when I die within 35 years), I can get 80,000 insurance money+65,438+million bonus.
It is recommended not to surrender, and there will definitely be losses. After you insist on paying the fee, you will get a high maturity payment (insured amount) and bonus, which is definitely not worth the candle!
As the saying goes, "money that can't be spent is money that can't be taken away." Are not their own! " China Ping 'an Hongxiang products are the products that the insured can unconditionally obtain the highest cash benefits in his life!