What is the insurance calculation method of Fude Life Insurance?

Insurance does not need to be calculated.

The premium and sum insured are set by the insurance company.

What kind of insurance is required to enter the customer information system to automatically calculate the premium.

Everything depends on the contract.

It mainly depends on the insurance liability.

Summary. The cash value table is different for each type of insurance.

The cash value table is different for each type of insurance.

What kind of insurance is it, Lao Tie.

Within 10 or 15 days after buying the insurance and getting the contract, if you are not satisfied, you can surrender the policy in full. In addition, there will be losses in surrender, and if you buy critical illness insurance, the surrender loss in the first few jujube years is very large.

There is a page on the contract called the cash value table, and you can see how much money can be refunded each policy year, for example, this insurance pays 2800 per year

His cash value is shown below.

The main types of insurance of Fude Life Insurance are: Fude Life Health Worry-free Type A Critical Illness Insurance, Fude Life Blessing Comprehensive Protection Plan (2018 Edition), Life Overseas Emergency Rescue Medical Insurance, Fude Life Ann Annuity Insurance (Investment-Linked Type), Fude Life Pet Goddess Unique Illness Insurance Plan and other products.

Fude Life 2019 is off to a good start: Fude Life Combebao Comprehensive Protection Plan, specially created for children. The Comprehensive Protection Plan consists of "Fortune Life Critical Illness Insurance (2018 Edition)" and "Fortune Life Rider Children's Specific Illness Insurance".

On the basis of the major brother's major illness insurance, the children's specific disease insurance is added, which is specially created for children, and the children's specific diseases are common high-incidence diseases in children.

It covers the critical illnesses of children with a high incidence in the main insurance, and the coverage is very complete. After the accident also has a life insurance recovery benefit, after the critical illness insurance benefit is paid and the person dies 365 days after the diagnosis of the critical illness, an additional 50% of the basic sum assured will be paid as the life insurance recovery benefit.

Fude Life Insurance Co., Ltd. **** is a national professional life insurance company, established on March 4, 2002, headquartered in Shenzhen. The shareholders are composed of Shenzhen Fude Financial Investment Holdings, Shenzhen National Investment Development and other enterprises. The company now has a registered capital of 100 million yuan and total assets of more than 310 billion yuan, making it one of the life insurance companies with strong capital strength in China.

The company adheres to the business philosophy of "inner sincerity in the heart, external trust in action", adheres to the core values of "wealth and people, virtue in the world", keeps up with the pulse of the market, and constantly seeks innovation, change and development.

The management team of Fude Life Insurance Company is composed of life insurance management talents in the industry and has rich experience in the industry. Familiar with market rules, strategic vision of management talents and executive staff are the guarantee of Fude Life's professional operation and steady development.

Fude Life Insurance has established a marketing network and diversified service platform covering key provinces and cities across the country, with a total of 35 branches, more than 1,000 branches and service outlets.

Fude Life Insurance is committed to providing a full range of risk protection solutions including life insurance, annuity insurance, accident insurance and health insurance for different groups of people in the society. The company sells a wide range of products, and the former reputation is sold through multiple channels such as personal marketing, silver mail, direct sales, electronic confession business, and sales, which can provide comprehensive and professional protection and services for different customers of all ages and groups in the society.

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Fude Life Insurance has critical illness insurance, medical insurance, accident insurance, life insurance, annuity insurance, and comprehensive insurance.

Among the many insurances of Fude Life Insurance, the senior sister will recommend that you give priority to critical illness insurance, medical insurance and accident insurance.

Because everyone is exposed to the risk of illness and accidents, critical illness insurance mainly protects critical illness, and can pay a lump sum insurance payment when the insured suffers from a critical illness for the first time and meets the conditions for claims; Medical insurance covers a wider range of diseases, not limited to critical illnesses, but it is a reimbursement type of insurance, which only reimburses the ** expenses incurred due to illness in accordance with the provisions of the contract; Accident insurance can protect the insured in the event of an accidental injury.

Therefore, these three types of insurance are very important to us.

In addition, if it is the breadwinner of the family, it is necessary to consider taking out another life insurance policy on the basis of the above three major insurances. Life insurance mainly protects the death and total disability, and the economic pillar is the main income of the family**, if misfortune occurs, the economic system of the whole family may collapse, and the daily life of the family may not be able to operate normally.

Therefore, it is necessary for the economic pillar to allocate a life insurance, so as to protect not only yourself, but also your family.

If critical illness insurance, medical insurance, accident insurance, and life insurance are configured at the same time, will there be conflicts when making a claim? After reading this article, you will know Lu Shudao:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance?

Will there be a conflict when making a claim?

Finally, the senior sister has to remind everyone that since Fude Life Insurance has launched different products for different insurance, there may be some differences in the protection of each product, take life insurance as an example, there may be products that only provide death total disability protection, and some products on the basis of death total disability protection also set up holiday transportation accident total disability insurance benefits, sudden death care funds, etc., so we should carefully read the insurance terms and carefully consider whether the product can really meet their own needs.

Here the senior sister has also prepared an insurance strategy for everyone, hoping to help you avoid detours when buying insurance:[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insuranceHope.

The full name of Fude Life Insurance is Fude Life Insurance Co., Ltd. ****. Founded on March 4, 2002, the headquarters is now located in Shenzhen. The company's business includes personal accident insurance, personal term death insurance, personal comprehensive life insurance, personal whole life insurance, personal annuity insurance, personal short-term health insurance and so on.

The company now has a registered capital of 100 million yuan and assets of more than 310 billion yuan, making it one of the life insurance companies with strong capital strength in China.

1. Premium income of Fude Life Insurance.

Daddy checked the data, and Fude Life Insurance had an original premium of 39.2 billion yuan in the first half of 2020, ranking 12th among life insurance companies.

2. Solvency.

Solvency is a measure of the strength of an insurance company, and it also represents the "ability to settle claims" of the insurance company. To put it simply, it is whether you can afford to make a claim.

Dad went to the official website of Fude Life Insurance to check, and the data showed that in the first quarter of 2021, the core solvency adequacy ratio of Fude Life Insurance was 98%, and the comprehensive solvency adequacy ratio was 115%, both of which met the requirements of the China Banking and Insurance Regulatory Commission.

In terms of claims data, the claims report for the fourth quarter of 2020 shows that Fude Life Insurance has closed more than 10,000 cases, paid about 100 million insurance premiums in total, and waived 100 million unpaid premiums.

Among them, about 100 million yuan was paid for cases of illness and about 100 million yuan for accidents and accidents.

Claim speed and claim rate data: the time limit for each case is reviewed, the time limit for case closure is days, the odds for claim settlement, and the claim settlement speed is still quite fast.

It can be seen that Fude Life Insurance is a regular insurance company.

At present, the main types of insurance insurance include medical insurance, critical illness insurance, accident insurance, life insurance and so on.

The medical insurance on sale includes Harmony Love (2019 Edition) Million Medical Insurance Plan, Fude Life Health Joy Life Fortune Expense Compensation Medical Insurance (Premium Version), Critical Illness Insurance includes Fude Life Health Critical Illness Insurance (Classic Version), Fude Life Exclusive Health Critical Illness Insurance, Accident Insurance is Anxing Worry-Free 2019 Edition, and Life Insurance includes Fude Life Inheritance Golden Classic Whole Life Insurance and Ruyi Golden Classic Whole Life Insurance.

Summary. The Universal Account of Fude Life is a long-term savings insurance product, and its yield is mainly related to the reference rate and market interest rate. According to the information released by Fude Life Insurance, as of the first quarter of 2021, the yield of its universal account was.

However, the actual rate of return will vary depending on the policy term, market effect and other factors. Insurance companies need to follow strict investment regulations when investing in universal accounts to ensure the safety of funds and stable returns. Policyholders can choose a suitable insurance plan and corresponding financial plan according to their own needs.

Can you add, I don't quite understand it.

Fude Life Universal Account is a long-term savings insurance product, and its rate of return is mainly related to the reference interest rate and market interest rate. According to the information released by Fude Life Insurance, as of the first quarter of 2021, the yield of its universal or loss-based account was. However, the actual rate of return will vary depending on the policy term, market effect and other factors.

Insurance companies need to follow strict investment regulations when investing in universal accounts to ensure the safety of funds and stable returns. Policyholders can choose a suitable insurance plan and corresponding financial plan according to their own needs.