"Tanabata" Is Coming To &Nbsp; "Love Insurance" Should Deal With The Era Of Naked Marriage.

Reporters learned that there are many companies to

The essence of "love insurance" is to find someone who truly loves you and your true love, and what we are introducing here is another insurance -- love commercial insurance, with which it is not afraid of naked marriage.

Love marriage insurance has a history.

For the topic of love and marriage insurance, the reporter interviewed senior insurance marketers in the industry. She said, "more than a decade ago, People's Insurance Company of China had marital insurance, which was able to protect the marriage itself.

That is to say, when a sum of money was deposited, it was agreed to be 20 years or 30 years. Until the agreed period, if the two sides were still divorced couples, they could receive an insurance policy in accordance with the policy.

In those years, most of these kinds of insurance were given to the newly married couple by relatives and friends, and wished the two people to grow old together.

If the two sides divorced during the insurance period, the contract will be terminated without insurance payment. "

The marriage insurance at that time was different from the current product.

In the interview, the reporter learned that in recent years, many domestic companies have opened "love insurance" insurance types, such as Ping An Life's "century Tong Xiang", Taikang Life's family protection plan product "love home", Sino German Allianz's "happy marriage witness plan", Taiping Life's "love life plan" and so on.

According to the insiders, "love insurance" is generally a kind of continuous insurance, that is, a policy can cover two or more insured persons at the same time, but it must be reminded that the "love insurance" basically sets the premise of insurance, requiring the insured to be a legal couple with legal relationship.

According to industry sources, compared with other insurance products, the most prominent feature of "love insurance" is that couples share a policy, pay premiums together, become insured together, and two people have the right to benefit. "This way of insurance and benefit is now recognized by many young couples, and the insured is mainly young couples."

How to deal with unsuccessful marriage policy?

Both sides are insured and beneficiaries when they are insured. How can we handle the "love policy" if the marriage is unpredictable?

Financial experts said that because the insured involved two or more than two, the "love insurance policy" usually flexibly and easily according to the consultation between husband and wife, split the policy into two copies, and the insurance liability after splitting is still valid.

According to people concerned, compared with other insurance, "love insurance" has become the first choice for many young couples with romantic and happy names.

Some newly married couples who have just entered the marriage hall are targeting the names of "one life, one's life" and "love this life". They are insure to get a good colored head, rather than the specific contents of insurance.

Love insurance is actually an insurance plan tied by husband and wife. In essence, it is a life insurance coverage with both endowment insurance and insurance.

It is equivalent to "life insurance", which covers accident, sickness, death, disability, insurance and bonus.

This is not much different from the general dividend insurance, but only the two must receive insurance during the marriage period.

"Love insurance" can protect the whole family.

Some people say that love insurance is a name, in essence, is the same life insurance product as commercial insurance.

In this regard, the reporter interviewed people in the industry, he said: "although" love insurance "in the scope of insurance and the general dividends of life insurance is not essentially different, but as a linked insurance," love policy "compared with ordinary dividends, life insurance, has its own advantages.

From the point of protection, "love insurance" can meet the insurance needs of all family members.

It is understood that the "love insurance policy" usually takes the family economic pillar as the policy holder, and all members of the family can become the insured, and it can escalate with the increase of family members and the demand.

With children, children can be added to the new insured.

From the coverage of insurance coverage, as long as one person in the family has bought the main risk, other family members are free to choose additional risks such as accidents, medical treatment, etc., breaking through the restrictions that customers could not buy part of the additional risks alone.