User question:I am now 33 years old, wanted to buy 10 copies of another, but each climb, 20 years to pay 3850 yuan, 100,000 yuan accidents and large risky, such as the age of 55 died in a one-time get 250,000 yuan may be a one-time, such as living to be had 120,000 yuan was also 25 kinds of serious illness insurance. Does the insurance have protection? Is it true? There are 25 kinds of their insured is a serious illness a common serious illness in general do? Thanks! ! ! ! ! ! Reference: http://insurance.xy178.com/info/insure_detail_2989.html on the third floor that is reasonable, do the insurance people said it was probably also the death of around 2.5 billion, and 55-year-old could get 120,000 or so after the surrender. Special bonus of an effective sum insured add insurance cash value. But the "special dividend" is their calculation, we do not know that they will truly calculation? If false, then it makes little sense to buy the insurance policy also has!
Experts answer: is indeed a good climb year after year of insurance, and this big risky choice is also very suitable for long-term forms of payment, but "55 years of age, such as death may be a one-time get 250,000 yuan, such as surviving a one-time to be had 120,000 yuan" is a phrase lie in. Because dividends year after year is the British section of the insurance, the insured amount increases to a time when you are 55 years of age to see if the deceased was an effective protection to the amount, effective coverage was by your basic insurance amount plus hundreds of thousands of incremental dividend the sum of the amount of insurance the amount is certainly uncertain. As for the survival of 120,000 returned to you is impossible, because this insurance is life insurance, to collect the money before the death of only three circumstances: First, you've got insurance policy where a major disease; 2, you can withdraw a cash value in advance (only once); third, surrender. I think he should be introduced to you is to surrender, otherwise not so much money. Hope that this answer can help you. As for your question I can only tell you, after all, this is the nature of a dividend, insurance, bonus is certainly uncertain, generally to achieve low, as mid-range on the mysterious, but the salesman would not be so, and you say, they generally you will use mid-range calculation. This insurance, like in its good points, not cash, but the insured amount will be converted into cash, are now working on a number of other purely dividends in terms of insurance or pure big risky or bad, especially in such an economic situation now, or optional. At the same time suggest that you spend 100 yuan a year or so to buy a leisurely life, additional medical and accident insurance leisurely yes, this is not important, it is important to append the medical, so there is finally in sight to the hospital to have insurance to be reimbursed , and this degree of medical care is not deductible.

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