한화생명, ‘한화생명 VVIP종신보험’ 출시
상속 재원을 충분히 마련하고자 하는 고액자산가들과 유가족을 위한 종신보험
아래는 위 기사를 구글번역기로 번역한 영문기사 입니다
Hanwha Life Insurance launches “Hanwha Life Insurance VVIP Life Insurance”
Life insurance for high-income families and survivors who want to provide sufficient resources for inheritance
[Introduction of the case / Reporter Park Yeon-pa] = Hanwha Life's “Hanwha Life Insurance VVIP Life Insurance” was launched on the 17th (Tuesday) for the top 1% of super excellent customers (VVIP).
This product is a life insurance for high-income owners and their bereaved families who want to significantly increase the maximum subscription amount to 3 billion won and provide sufficient resources for inheritance.
'Hanwha Life Insurance's VVIP Life Insurance' can be purchased by choosing between the congestion type (type 1), which helps to finance the inheritance tax, and the income guarantee type (type 2), which provides guaranteed assets for the survivors in case of early death.
Congestion type (type 1) is suitable for customers who want to finance inheritance tax as their death insurance increases by 3% per year for up to 20 years from the age of 71.
For example, if a 60-year-old man subscribes for 10 years with an insurance premium of 3 million won per month (death insurance 260 million won), basic death insurance is guaranteed until age 70. Since then, from 71 to 90, 7.8 million won, which is 3% of the death insurance, is increased every year.
If you die at the age of 90, the insurance coverage will be finalized at 416 million won, and the death insurance will increase up to 1.6 times.
The income-guaranteed type (type 2) is designed for customers who want to provide monthly benefits to their survivors in case of premature death.
In the case of enrolling in the income guarantee type (type 2), if the customer dies before the age of 65, it is provided to the surviving family as a monthly salary up to the time of retirement, up to the time of retirement. In addition, the surviving family will receive 50% of the subscription amount as death insurance.
It is also characterized by a significant increase in the age of membership. To reflect the needs of older VVIP customers who are late for retirement, the age limit for subscription of type 1 (congestion type) has been increased from 60 to 70, lowering the insurance coverage threshold. In addition to this, in addition to guaranteeing death by providing a special payment-backed guarantee (refundable type), insurance premiums paid so far are refunded when diagnosed with cancer, cerebral hemorrhage, acute myocardial infarction, severe dementia, etc.
In addition, this product can freely change the method of receiving death insurance according to the customer's situation. Through this, the customer can not receive the death insurance payment at a time, but receive it in monthly and yearly increments for a long period of time, or delay the receipt.
The minimum entry standard for “Hanwha Life Insurance VVIP Life Insurance” is 3 million won or more per month for the main contract, and 150 million won or more for a lump sum, and the maximum subscription amount is 3 billion won. The age of membership is 1 type (incremental type), 15 to 70 years old, and type 2 (income guarantee type) 31 to 59 years old.
If a 40-year-old male subscribes for two main contracts (income guarantee type, cancellation refund guarantee type) and a payment period of 20 years, the monthly premium is 3.91 million won.
Seong Yun-ho, head of Hanwha Life Insurance's product development team, said, “In an ultra-low interest rate environment, the increase in real estate prices caused an inheritance tax burden and reflected the needs of super-superior customers who were more interested in preparing cash resources. This insurance is suitable for VVIPs who want differentiated coverage because they can be utilized.”
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