[Gimmingyeong financial newspaper reporter Korea] has launched a new concept Variable Life Insurance Hanwha life focused on the continued low interest rates and increasing life expectancy trends.
Hanwha Life announced on the 18th announced the release of the guaranteed death and living to old age, Hanwha life living under integrated smart variable life insurance, which can be prepared at the same time.
"Hanwha life living under the smart integration variable life insurance, there is evaluation of both worlds can be living with died guaranteed. Customers are guaranteed the death of the heart when young, consider the purpose and circumstances, retirement may be paid instead of reducing the cost of living death guaranteed.
This product is a form of receiving the surrender value that occurs while some give a death benefit to the living. Customers can choose between the cost of living payment period depending on the purpose of such children college tuition, retirement fund 5, 10, 15 and 20 years.
If you choose a five-year payment type to reduce up to 12% of the insured amount each year receives only 40% of the death benefit it will receive a refund of living the rest of termination. If 20 years of pays up to 4.5% by reducing the amount of annual subscription receive a living. You can only receive 10% of the subscription amount to the death benefit to take advantage of living in the rest of the revoked rebates can be flexible funds.
Guarantees a minimum reserve for cost of living pay variable life insurance, but also to prepare for the loss of investment is a big advantage. Of the year to earn a return on investment and operational annual amount of 2.75% shall be paid to the cost of living at a high price. Volatility may alleviate the worries of customers, which was reluctant to undergo variable life insurance difficulties in investing in a large market.
Universal also features additional functions such as premiums paid and moderate withdrawal. In particular, ensure the minimum reserve will also pay additional premiums to the industry's first 2.75%. Yeoyutdon is, but if the customer has not mattangchi investment can be increased through additional insurance payments. Additional payments can take advantage of features to withdraw midway annual 12th, if necessary, twice under the age of 5 years and can be delivered to the cost of living payments before receiving unexpected funding of basic living expenses to premiums.
Choeseonggyun Hanwha Life Product Development team leader 'Hanwha life living under a smart variable integrated life insurance' is 'saying' as well as risk coverage for death to require a stable retirement funds right the age of 100-year-old customers Anseong customized products lowest in the industry's highest level gamihae to warranty emphasized that customer satisfaction will be a high commodity.
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