[Korea gimmingyeong financial newspaper reporter] in the middle of a contraction in consumer confidence and low interest rates, prolonged low growth, Kyobo Life Insurance, Kyobo Premier CI Insurance 'is a new concept CI insurance is also lowered significantly while increasing security contributions than existing products. "Kyobo Premier CI Insurance 'death is guaranteed, as well as to ensure the cancer, stroke, acute myocardial infarction, such as critical illness (CI, Critical Illness) and severe dementia long-term care (LTC, Long TermCare) state lifetime.
This product is characterized by an enlarged significantly added for CI disease associated with high guaranteed broaden the coverage of the host contract than existing products.
CI was first added to the new four serious diseases such as bacterial meningitis, Lou Gehrig's disease, multiple sclerosis. Also classified as critical for thyroid cancer, thyroid cancer, some are bad prognosis of which was excluded from the guarantee for that were included in the coverage.
Microcredit guarantees to ensure minimal space has also expanded coverage of an existing CI. Depending on stroke, diseases such as cerebral infarction occurred the previous step to the CI or CI severe disease associated with high disease nine species can be guaranteed up to 1000 yuan. Depending on climate change will expand the medical definition and diagnostic criteria for the disease to substantially increase the coverage. CI event of accrual line expanded to 80% (standard) and 100% (guarantee enhanced) and had to receive treatment generous funding.
In particular, ensuring enhanced 100% death after prepaid may receive an additional amount of 10% of the subscription. Despite such guarantees, and expand dwaeteumedo premiums fell rather sharply. This product is lowered about 10% to 20% instead earn a premium interest rate disclosures that are guaranteed by the haejuji scheduled termination rate determined in advance rebate.
The cancellation refunds will have to be guaranteed to get more affordable insurance with a focus on life insurance, but may be somewhat less intrinsic feature coverage than traditional methods. The expected interest rate cut by continued low interest rates and the pool is intended to ease the burden on the consumer situation that can only come up with a variety of premium warranty costs.
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