How many years can wisdom star children's universal insurance take?

You can get it after 10 years, but this universal insurance for children of Zhixing must be paid at least 10 years. Otherwise, the insurance policy will be invalid. Simply put, this product cannot be used as a simple financial product. On the one hand, part of the amount to be collected needs careful calculation. Normal children's universal insurance, wisdom star plus additional serious illness plus worry-free accidents and unexpected medical treatment plus hospitalization plus e-life insurance million medical insurance, if you choose this, then the treatment expenses for serious illness and minor illness can be reimbursed.

Ping An Wisdom Star is a universal insurance specially designed for teenagers and children. As a universal insurance, Ping An Wisdom Star has the characteristics of flexible access. /kloc-After 0/5 years, you can withdraw money in one lump sum when necessary. At this time, the cumulative value of 15 has basically equal to or exceeded the principal, and it has been insured for 15 years. It is a good choice to withdraw the principal.

1. Acquisition method: Ping An Wisdom Star Insurance 15 years later, the principal can be obtained. I can get it from Ping An Insurance Company through relevant contracts. However, it should be noted that the insurance stipulates that only the insured can apply for annuity insurance according to the contract when he is over 60 years old. And if you withdraw money in advance, it will be regarded as surrender. Pay attention to the insurance regulations before buying. However, as a combined product sold offline, the main risks are life insurance, additional serious illness insurance and accidental medical insurance. This product also has death+critical illness insurance+accident protection. As a life insurance, its guarantee effect is not outstanding; As an investment product, its income has no advantage.

2. Insurance limit: According to the law, the death of children aged 0- 10 shall not exceed 200,000, and the death of children aged 0-1-17 shall not exceed 500,000. In other words, even if the premium is cheaper than that of adults, it is of little significance because of the limit of the insured amount. Unable to resist inflation: under normal circumstances, children's life cycle is at least 30 years longer than that of adults, which cannot play the role of wealth inheritance. Suppose a life insurance policy with a basic coverage of 200,000 is insured at the age of 0, and a 75-year-old child dies. According to the average inflation rate in the future, the current 10000 may be equal to 485 1 yuan in ten years, less than 5000 yuan. /kloc-After 0/0 years, 200,000 will be halved to 65438+ 10,000. 75 years old, 200,000 yuan is completely worthless, and life insurance is generally not needed before adulthood.

3. Therefore, children don't need to buy life insurance prematurely, but there are two forms of life insurance for children on the market at present. First, additional major diseases; The other is insurance finance, insurance finance. You need to choose according to your own needs. Under normal circumstances, it takes at least ten years to buy Ping An Wisdom Star universal insurance for children, otherwise the policy will be invalid. Therefore, after purchasing this insurance, it will take at least ten years to take it out, and the principal can be guaranteed at most. This insurance is not a simple financial product, so it still needs to be considered when buying this insurance.

4. Universal insurance is the policy value, not the cash value. Because the interest is settled on a monthly basis and the protection fee is deducted on a monthly basis, the policy value always fluctuates on a monthly basis. Customers can refer to the demonstration data of policy value in the scheme for analysis and research. Please consult your agent. When withdrawing money, let the agent show the plan, refer to the data inside and let the agent analyze it. Customers can also log on to Ping An official website to inquire about the settlement interest rate of universal insurance in the past month for reference. Ping An Wisdom Star is a universal child insurance specially developed for children's customers. Education planning gives consideration to both protection and industry-leading double exemption protection. 0 to 17 years old can be insured. At present, among children's insurance products, "Safe Star" is recognized as a children's insurance product, and it is also one of the first choice products for parents to buy insurance for their children.