What are the insurance protections of China Life Furui Life Insurance?Can I buy it for my parents?

The product covers death due to accident or illness, maturity insurance benefits, etc., and is aimed at people between the ages of 16 and 65, so you must pay attention to the age of your parents.

Different insurance products vary, you can call your desired insurance company** for advice.

To you who know this when you see this.

Guoshou Fu is the old critical illness insurance product of Chinese Life Company, due to its large number of people, so this product is well-known and has high sales, but the market has a variety of evaluations for it. Previously, in order to cater to the changing market, China Life Company adjusted and upgraded China Life Fu. But is the upgraded product better?

I stayed up late last night to read various terms and information, I don't recommend buying, so of course it's not groundless, I wrote in this article:How about the National Life Blessing Edition?Here's the answer you're looking for

It mentions in detail the protection content, advantages and disadvantages of Guoshoufu, and the details to pay attention to if you want to buy Guoshoufu, you must read it before buying.

Let me briefly talk about the new content updates of the updated China Life Blessing Edition, and whether the new content can make consumers excited

1. What are the new content updates of the China Life Blessing Edition?

Let's take the National Life Blessing Premium Edition, the National Life Blessing Supreme Edition and the National Life Blessing Premium Edition to see if the upgraded China Life Fortune is sincere:

Direct conclusion: The adjustments are mainly these: Increasing the number of minor illness claims The Premium Edition enriches the types of critical illnesses covered.

2. Is it worth buying the National Life Blessing Edition?

Although the number of minor illness claims of China Life Fu Ultimate Edition has been adjusted to three times, which is relatively sincere, but after all, it is a large company, and the operating costs are still there, ** is still not low, for friends who do not have a lot of budget when buying insurance, let's take a look at other products, China Life Fu premiums are too high.

I compared the hot-selling critical illness insurance products of large companies on the market in 2020, and the comparison is more detailed, there are too many words, you can check out this articleTop 10 Best-Selling Critical Illness Insurance Products to Buy

It contains a number of cost-effective and cost-effective critical illness insurance products, so don't miss it.

That's all for me"What are the insurance protections of China Life Furui Life Insurance?Can I buy it for my parents?"All, look!

Whether it's worth buying or not depends on your needs.

The main feature of this product portfolio is that on the basis of death protection, various long-term and short-term protection products can be added, which can basically meet the needs of various risk prevention.

It's still very good, you can consider this insurance, the reputation is also very good, the number of people who buy it is relatively large, it is guaranteed, the practicality is relatively strong, and it should be considered in combination with its own actual situation.

In fact, this insurance is still very good, and this participating insurance will also give your children a better protection in the future.

This is a particularly good insurance, and many people have already purchased this insurance and have given it a good review.

As a life and death insurance, the product takes into account the interests of survival and death, with low costs and repayment of principal at maturity.

Scope of insurance: All persons between the ages of 16 and 60 who are in good health can be the insured, and the person himself or the person who has an insurance interest in him can apply for this insurance from Chinese Life Insurance Co., Ltd. (hereinafter referred to as the Company) as the insured.

Commencement of Insurance Liability: This contract shall take effect from 0:00 on the next day when the Company agrees to underwrite, collects the first premium and issues the insurance contract. Unless otherwise agreed, the effective date of this contract shall be the date on which the Company commences to assume the insurance liability.

Insurance features:

1. One policy, double protection, and a variety of options during the insurance period.

2. Enjoy death benefit during the insurance period, and return the maturity insurance benefit at the end of the insurance period.

3. Life and death insurance, taking into account the interests of survival and death.

4. Have reduced payment, loans, and convertible rights.

5. The cost is low, the principal is repaid at maturity, and the interest is used to buy the protection for a specific period.

6. Elective protection and regular payment to meet different insurance needs.

Hello, Fuxin's insurance liability is the effective date of the insured's survival to the agreed maturity age, and the company will pay the maturity insurance money according to the insurance amount specified in the insurance policy, that is, you can get the maturity payment of 100,000 yuan when you enumerate. Your net income is 100,000-67,600 = 32,400 yuan, but it is more risk-responsible during the 20-year payment period, because if the insured dies in an accident or illness during the payment period, no matter how many years you have paid the fee, the insurance company will pay the beneficiary 100,000 yuan. If you want to buy a pension.

Earnings. Critical illness insurance, then you can consider the combination of China Life Ruixin Dual Insurance and China Life Additional Ruixin Critical Illness Insurance Clause Clause Combination launched by Chinese Life, so that you can fully enjoy the happy life in the future old age through planned health pension reserves, and feel the joy of your children and grandchildren. ，。

Xueba talks about insurance, focusing on insurance product evaluation! I have evaluated all the 136 critical illness insurances that have been hot in the market in the past two years, and the overall is still good: the latest comparison table of 136 popular critical illness insurances

There is an endless discussion of China Life Fu in the market, which is worthy of being a classic product of China Life. In order to adapt to the constantly updated insurance market, China Life Fu was also updated some time ago, but after I deeply evaluated the China Life Fu Ultimate Edition, I do not recommend buying it, due to limited space, I wrote the detailed reasons here:Guoshou Fu upgraded again:

What has been upgraded in the China Life Fortune Edition? Is it worth buying now?

It mentions in detail the protection content, advantages and disadvantages of China Life Fu, and what are the precautions for buying insurance, so you must read it before buying.

Let me briefly talk about the optimized content of the adjusted China Life Blessing Edition, and is it good now?

1. What are the optimized contents of the updated China Life Blessing Edition?

Let's take the China Life Blessing Premium Edition, the China Life Blessing Supreme Edition and the China Life Fortune Premium Edition, and compare what are the new changes:

Straight to the point: these are the adjustments: the number of minor illness claims has been increased, and the number of critical illnesses covered has been increased.

2. Is it worth buying the National Life Blessing Edition?

Although the three minor illness claims are the biggest highlight of China Life Fu after the update, it is relatively sincere, but after all, it is a large company, and the operating costs are still there, ** is not low, if you want to choose a more cost-effective and sufficient critical illness insurance, I do not recommend buying China Life Fu Ultimate Edition.

I compared the best-selling critical illness insurance products of large companies in the market in 2020, the word limit, you can check out this articleTop 10 best-selling critical illness insurance products

It introduces the critical illness insurance products that are worth buying this year, and see if there are any that meet the requirements for you and your family.

That's all for me"What is the income of China Life Fuxin Insurance?"All, look!

The endowment insurance is both life and death, that is, the survival benefit of the life insurance policy can be received, and the life insurance benefit of death is paid. To put it simply - there is a problem, lose money; If you are safe and sound, the premium will be returned to you when it is due. It's a sure win!

China Life Fuxin Insurance is a life and death insurance that can provide double protection, suitable for healthy people aged 16-60 years old, not limited to men and women, and its payment methods are single payment, annual payment, semi-annual payment and monthly payment. I have something to say about this type of financial insurance.

We often encounter salespeople who sell and say that 70% of our company's annual profits are distributed as dividends, which sounds very attractive, but what is the actual truth?

We know that the dividends of participating insurance are the "three differences" of life insurance companies: death differentials, interest differentials and fee differentials. In fact, the mortality rate and rate are relatively stable, so the dividend is mainly based on the difference in benefits.

However, there is no direct relationship between the dividends and the company's profits, and due to legal regulatory reasons, the investment channels of insurance funds in China are limited, so it is unrealistic to expect high returns on dividends. Don't be misled by exaggerated propaganda. For the inside story of wealth management insurance, please refer to:

》Why are there so many complaints about financial management? Demystifying the mystery of participating insurance

There are many types of critical illnesses, and there are countless products. I'll first sort out the cheapest and cost-effective critical illness insurance on the market that I stayed up late last night, and I need to pick it up:Top 10 most cost-effective critical illness insurance points!

1. Life insurance function

The function of Xiangrui whole life insurance is very simple, that is, 100% of the sum insured will be paid on death, and the premium paid will be refunded under the age of 18, and 100% of the sum insured will be paid if the age of 18 is reached.

Many life insurance policies on the market come with total disability protection, which means that you can get 100% of the sum insured for death or total disabilityXiangrui only protects his death!

2. Critical illness protection

Critical illness benefit only for 50 major illnesses + 10 specific minor illnesses; Only 1 claim will be made for specific minor illnesses, and the compensation ratio is 20% of the basic sum assured!

At present, the standard configuration of critical illness insurance on the market is 30% for mild illness and 50% for moderate illness, and the protection of China Life Fuxiangrui is obviously not up to the average level of the market.

In other words, Xiangrui whole life insurance (additional critical illness) protection is not very comprehensive, and it is expensive and not cost-effective.

Do you want to calculate insurance again? If you have such thoughts, you will be deceived. You have to understand that it is the insurance that calculates you, not the insurance.

Insurance, except for accident insurance, other types of insurance are fooling people. People who have bought life insurance have been fooled, because you can't withdraw money at any time, and you will lose a lot of money when you withdraw the money, until you die, and the disease you still have when you die must be the same as the disease in the insurance contract, word for word, in order to get a claim. When a child is born, he talks about death insurance, which is a curse to die quickly!

Insurance only talks about cash value, not principal and dividends. If the insurance has a contract liability, he will have a cash value and dividends, and if the contract liability does not occur, he only talks about the cash value, and the cash value insurance contract has a cash value table on it, how many years is how much it is, you will understand it when you read it. That money is far less than the principal, whether it is withdrawing money, surrendering, or the so-called conversion pension, it all depends on the cash value.

The insurance salesman didn't explain the cash value of the policy to you, and the customer didn't buy it after reading it, so they fooled you into taking the money after paying the premium. Insurance is a loss for several years, but in fact, even if you get the principal for a few years, you will lose a lot of money due to the currency depreciation of your principal. Remember later!

The so-called "insurance" is used to resist risks, not to manage money, let alone use insurance to make money. If you want to manage your money to make money or if you want to resist currency depreciation, you can do ** and government bonds. Therefore, participating insurance is to defraud customers of their money in the name of insurance.

There is no capital protection, saving money to buy protection if you are not sick, and there is no shortage of money when you are sick. No one can guarantee that they won't get sick or have an accident. For the sake of yourself and your family, insurance coverage is essential.

Summary. Hello dear, glad your question! This is a normal situation, because the survival fund is actually equivalent to interest, his main role is to meet the specific needs of the insured after a certain period of time, such as children's education funds, wedding money or the insured's pension, which has a strong savings, so it is also called "savings insurance", you nine years, not counting the principal, the interest is not 4000 is not less.

After nine years of purchasing Chinese Life Fulu Baby Insurance (dividend-paying type), the survival fund is only more than 4,000.

Hello dear, glad your question! This is a normal situation, because the survival fund is actually equivalent to interest, his main role is to meet the specific needs of the insured after a certain period of time, such as children's education funds, dowry or the insured's pension, which has a strong savings, so it is also carried into a trillion leather socks for "savings insurance", you have nine years to argue the rent, not counting the principal, the interest is not 4000 is not less.

If you pay 6,000 a year for ten years, how much can you get for education.

A few hundred dollars. If there is no clear provision in education, it depends on the profitability of the specific insurance.

What about the dowry?

In the same way, in addition to the surrender of the insurance to get back the principal, the others are added together, and it is only one or two thousand a year.

Whether the surrender of the policy is the return of the principal at the end of the term or the refund of the principal can be refunded now.

The principal can be refunded at the end of the term, and now there will be a loss, depending on the cash value table, in your contract.

This, 4885 yuan to be refunded in 9 years?

1000 as standard, you are 6000, multiply by 6

Not good. The waiting period of the policy is 180 days, which means that the first 180 days of insurance are not covered, and if the insured unfortunately has an insured accident at this time, the loss related to fiber preparation needs to be borne by himself. If you have an urgent need for protection, it is recommended to choose a policy with a shorter waiting period.

The premium is expensive, and China Life Fu, as a whole life insurance protection and destruction resistant policy, pays a higher premium for a long time, which is obviously difficult for families with average economic conditions in the mu to bear. Therefore, in addition to paying attention to the protection of the policy itself, we should also consider whether the individual can bear the premium expenditure, and do not force it, so as not to cause greater losses to yourself.

Whole life insurance is suitable for whom:

1. People who want to leave their assets to the next generation to achieve the purpose of transferring assets and reasonably avoiding taxes, for some private business owners, insurance is also a way to avoid debts.

2. People who buy dividends and investment insurance and want to achieve financial goals. Generally speaking, the value-added function of insurance is weak. The most important determinant of insurance growth is time, not yield.

Lifetime participating insurance can make the most of the factor of time and obtain the magical effect of increasing insurance compound interest. <>