Just a few days ago, news of a sudden death of an employee of a large factory circulated on the Internet. The news said that the deceased employee was a senior tester of the company and was only 38 years old. Since the employee was on vacation the day before his sudden death, the family and the company are still negotiating whether it is considered a work injury, but there is no doubt that the fall of the family pillar is bound to bring a devastating disaster to the entire family.
After all, in fact, from this short description we can see that the employee is in his prime and holds a high position. He must be the main source of income for the family and faces the burden of supporting elderly parents and young children. In addition to the heart-wrenching pain of losing a loved one, for his family, it is tantamount to the collapse of the family economy.
This is why more and more adults are purchasing term life insurance for themselves . The liability of term life insurance is relatively simple. If the insured dies or becomes totally disabled, the insurance company will pay an insurance money according to the insurance contract. This insurance money is used to make up for the financial gap after the collapse of the family’s economic pillar and to prevent the family from falling into hardship.
Today, I want to talk to you about a term life insurance that is very cost-effective and is chosen by many people – Optimus Prime No. 8 term life insurance. So, is Optimus Prime No. 8 term life insurance good? Which insurance company is it from?
1. Is Optimus Prime 8 ’s term life insurance a good protection?
Optimus Prime 8 term life insurance covers the following:
Optimus Prime 8 Term Life Insurance
The insured age of Optimus Prime 8 term life insurance is 18-60 years old. The protection and payment are in the same period, and you can choose 10/20/30 years, or until 60/65/70 years old. The maximum insured amount is 3.5 million. The insured occupations are 1-6 , and the waiting period is 90 days.
The basic liability of Optimus Prime 8 is 100% of the basic insured amount for death / total disability , and there are also sudden death ( 30% of the basic insured amount will be paid for sudden death before the age of 65 (not included) , with a maximum of 500,000 yuan), death / total disability due to traffic accidents (an additional payment of 400% of the basic insured amount; water and land accidents: an additional payment of 100% of the basic insured amount; self-driving on holidays: an additional payment of 50% of the basic insured amount;), family liability benefits (if the insured has minor children at the time of insurance, in the event of death, in addition to the basic payment, an additional payment of 30% of the basic insured amount will be paid), and other optional liabilities, providing comprehensive protection.
Optimus Prime 81
From the above, we can see that the protection of Beijing Life’s Optimus Prime No. 8 Term Life Insurance is still very comprehensive. Whether you are the breadwinner of a family with a heavy burden, people with underage children, or people with a limited budget, it is suitable for you to consider Optimus Prime No. 8 Term Life Insurance.
Optimus Prime 8 Term Life Insurance
2. Which insurance company provides Optimus Prime 8 ’s term life insurance?
Optimus Prime No. 8 ‘s term life insurance is underwritten by Beijing Life Insurance. We need to talk in detail about Beijing Life Insurance.
Beijing Life Insurance is a national life insurance company jointly initiated and established by state -owned enterprises, collective enterprises and social enterprises under the guidance of Beijing Municipal Party Committee and Municipal Government and approved by the China Insurance Regulatory Commission. Beijing Life Insurance was established in February 2018 with a registered capital of RMB 2.86 billion and is headquartered in Shunyi District, Beijing.
Optimus Prime No. 8 Beijing Life
Beijing Life Insurance’s nine shareholders include the famous Beijing Shunxin Holding Group Co., Ltd., and its overall strength is still very strong. Beijing Life Insurance mainly operates life insurance, health insurance , dividend-type insurance and other products. Although it has not been established for a long time, it has many popular insurance products that are very popular in the market. In addition to Optimus Prime No. 8 term life insurance, Beijing Life Insurance’s Bumblebee series of children’s critical illness insurance also has a good reputation and comprehensive protection. It is the first choice for many parents to choose the first critical illness insurance for their children.
The latest data from Beijing Life Insurance’s official website shows that the company ‘s core solvency ratio was 93% and its comprehensive solvency ratio was 161% at the end of 2022 , indicating that the company is in good operating condition. Both claims settlement and after-sales service are reliable and trustworthy.
Conclusion
Optimus Prime No. 8 Term Life Insurance is an Internet life insurance product that performs very well in all aspects. If you want to purchase Optimus Prime No. 8 Term Life Insurance, you can go through the certified official insurance channels.
For example, Kaixinbao Insurance Network has provided Internet insurance services to more than 10 million users since its establishment 12 years ago. It provides one-stop comprehensive insurance services such as family policy configuration, risk assessment, and claims assistance, and the claims services are very secure.
Having said so much, I believe everyone must have a detailed understanding of whether Optimus Prime No. 8 term life insurance is good? Which insurance company is it from? If you have any questions about Optimus Prime No. 8 term life insurance or during the insurance process, you can consult Kaixinbao 1 -on -1 insurance consultant to get exclusive services.
