What are the advantages of increased life insurance products? Is the threshold high?

What are the advantages of increased life insurance products ？ Is the threshold high ？

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Take the answer 1：

Hello! ,

【1】 Policy flexibility ： Increased life insurance can reduce the insured amount and receive cash value according to their own needs , With the rapid growth of cash value , There will be more and more funds that can be used flexibly .

【2】 Return to the original quickly ： Usually after the premium of increased life insurance is paid , The cash value can be basically the same as the paid premium .

【3】 Inheritance of wealth ： Increased life insurance can specify the beneficiary , Realize directional inheritance and safe inheritance , It can be used as a good asset isolation and asset inheritance tool .

【4】 Wealth security ： Increased life insurance as insurance , It can provide enough protection and support to the insured .

In principle, , We are not recommended to buy insurance at will , Insurance has certain particularity , The insurance applicable to everyone in every family is different , It is recommended to choose to buy insurance after detailed consultation ！

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Take the answer 2：

1、 Security 、 Stable ：
As a financial insurance that can grow steadily , The biggest advantage of increased life insurance is that it can stably provide the insured with the funds returned in the form of interest .
Compared with funds or stocks , A more stable increase in life insurance may be a safer option .
2、 Fixed interest rate and rolling interest ：
Because it is a contract property insurance , Increased life insurance can give the insured a fixed interest rate , Therefore, regardless of the influence of external factors , For insurance, the interest rate will not change .
At the same time, due to the setting of "rolling interest" , As time goes on, the amount in the savings account will become larger and larger .
3、 Both benefits and security ：
Bring up the advantages and disadvantages of increased life insurance , It has to be said that its biggest feature is that it has both benefits and guarantees , The amount of insurance coverage will increase over time , Higher and higher , Unfortunately, he died one day , The insurance company will compensate the future generations for the increased insurance amount , Therefore, there are certain benefits and guarantees .

In principle, , We are not recommended to buy insurance at will , Insurance has certain particularity , The insurance applicable to everyone in every family is different , It is recommended to choose to buy 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 a hole ！

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Take the answer 3：

（1） The insured amount increases year by year , The speed of returning to the original is fast

The insured amount of this kind of products is not fixed , And the early insurance amount is low , However, the insured amount will increase with the increase of the policy year . And the cash of this kind of products is relatively high , Four or five years to get back to this , If money is urgently needed at this time , You can surrender the insurance and get back the principal , It won't cause too much economic loss .

（2） Lock in long-term fixed income

The rate of return of increased life insurance is clear in the insurance contract , And the cash value of the policy will also be reflected in the insurance contract . The highest rate of return for a lifetime on the market is generally 3.5% about , Although the income is not high , But safe and stable .

（3） High flexibility

This kind of products can apply for reduced withdrawal , The cash value of the policy can be withdrawn by reducing the insured amount , High flexibility .

Insurance has many products , Suitable for people with different needs , If you don't know which one is good , Welcome to consult me , I will give you a satisfactory reply , Don't step on a hole .

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