Life insurance life insurance President Li Liangwen reasonable price fall promoting the return of life insurance protection

Return of life insurance protection is an important breakthrough, is increasingly reasonable price. Protection features prominent life insurance on a regular basis, price competitive, in the country's development potential is enormous. Within the period in the life insurance contract on a regular basis, if the death or total disability of the insured, the insurance company will follow the agreed insurance amount paid insurance benefits; if the expiry of the insurance period the insured is still alive, natural termination of insurance contract, insurance companies have no insurance, and does not return premiums. Recommended reading insurance weekly: April premium as scheduled diving silver insurance effect or Super expected insurance funded participation protection room looked was batch insurance funded contrarian buy wrong killed "white horse unit" new shares frequently break insurance funded playing new encounter floating losses car sales decline drag casualty profit tailored buy insurance figure out terms then Xia Dan Qiming: shocks city in the how mining Daniel unit is because regularly life insurance more focus on protection performance, rates of differences sexual brings has regularly life insurance "low premium, and high protection" of highlight advantage, especially consumption type of regularly life insurance, can let consumer in family responsibility most major of period, to lower of premium gets maximum of protection. Compared with whole life insurance, Term life insurance is more suitable career is just crowds of young people and less revenue. But over the years, the Term life insurance is not affected by Chinese consumers. Current United States life insurance premium contributions on a regular basis is 80 times in mainland China, Hong Kong's contribution is in accordance with the areas of Term life insurance premium of 40 times. Due to differences in insurance period and rates, consumer surrender within the insurance period, obtain the appropriate cash value whole life insurance can, but basically have no cash value life insurance on a regular basis, many consumers are not prepared to accept this reality. In recent years, the growing insecurity in people, such as food security, travel security, inflationary pressure and stress of sub-health state and so on, this synchronization to enhance the awareness of risk. In 2011, the first subdivision insured health levels of pure protection, consumer life insurance into China and went on sale on a regular basis. This a products innovation, abandoned has was insurer just was distinction for health body, and non-health body this two class crowd of traditional practices, pursuant to is smoking, and blood pressure, and cholesterol, and weight index, index, will was insurer of health status fine is divided into 6 a level, gives different of rates standard, consumer can enjoy differences of of rates offers, better to avoid has health crowd on non-health crowd of insurance subsidies, for customer provides has more fair of price. As market operators and their insurance providers, insurance companies can be more developing consumer, high protection of Term life insurance product, and product innovation to provide a more fair and reasonable price, eventually guiding public "advocate protection" of consumption concept and the insurance industry "return guarantee" business philosophy.