Is China Life Fulu Full Hall Pension Insurance Dividend good?

Insurance is protected by law! You signed a contract with the insurance company! As long as it is written in the contract, it cannot be fake!

The main controversy comes from the amount of dividends! The profit dividend of this product is 100% to customers, which is the policy of giving back to old customers after 10 years of China Life dividend insurance sales! It is also the only product of China Life that has a dividend of 100% to customers so far!

If you want to buy a pension adventure and want to take into account financial investment, this product is more suitable!

This is the deception played by the insurance company, after paying the money for ten years, it will be repaid to you in twenty years, and the insured can only get a little interest. The insurance company is nothing more than a corporate act, there is no obligation to the people, it is to make money. Don't trust this form of insurance.

I was a victim myself.

China Life's Fu Lu Mantang is a new pension insurance issued by China Life this year, whether it is good or not depends on whether you need it, you can not consider how much dividends can be shared, just look at your fixed receipt, and weigh whether it is good or not. This insurance was launched for trial sale, and it was the first policy signed by Yao Ming.

This has nothing to do with credibility. The main question is whether you know what you're buying. A lot of insurance is named by the insurer himself.

Or maybe yours is a universal insurance. The trick in this is that the insurance company can give you 3 points for the bonus you see. It is divided into three grades: high, medium and low.

You may be looking at which. There's a lot going on here. Please read your contract yourself before purchasing.

If you don't understand, you must understand.

Whether it is good or bad does not depend on what kind of insurance it is, but on the reputation of the insurance company that sells it.

China Life Fulu Mantang Pension Insurance (Participating Type) (Premium Version) is a product of Chinese Life, which is credible. As for how this product is, it is worth insuring. It varies from person to person, and if it matches your protection needs, this product is good and worth buying.

Next, the senior sister will introduce this product to you. If you are not familiar with the insurance company Chinese Life, you can learn about the overall situation of the company through this article:How is Chinese life, what products are there, and is it good?

First of all, let's talk about the insurance conditions of this product. If you want to apply for this product, you must be at least 28 days old and under 60 years old. The payment period of this product can be selected as single payment, 5-year payment, 10-year payment and 20-year payment, which is more flexible.

Secondly, let's take a look at the protection content of this product, including pension and death insurance. Among them, the pension is relatively flexible, and you can choose annual or monthly payment. Men can choose to start receiving an old-age pension at the age of 60 65, and women can choose to start receiving an old-age pension at the age of 55 60 65.

Finally, let's talk about the biggest feature of this product, it is a participating annuity insurance. However, the dividend income is not guaranteed, and whether there is a dividend depends on the operating conditions of the insurance company's dividend insurance business. Dividends can sometimes be more, sometimes less, or even none.

Therefore, if you insure this product with "dividends" in the hope of maximizing your wealth, the results may not meet your expectations. If you want to know more about the participating insurance, please visit:About the participating insurance, what the salesman will not tell you

In general, the performance of China Life Fulu Mantang Pension Insurance (Participating Type) (Premium Version) is decent. It should be noted that the policy dividends of this product are uncertain, and there is only death benefit, not total disability benefit. If you want to insure cost-effective pension insurance products, you may wish to refer to this list:

Top 10 commercial endowment insurance in terms of cost performance! Hope.

Summary. China Life Fulu Full Hall Pension Insurance Dividend 10 years after paying dividends can be divided into about 205,000+ dividends. Fortune Full House:

Pay 10,000 per year, pay for 10 years, and the income is as follows: about 205,000+ dividends. There is no accident coverage.

The first year of 10 years of payment can generally only be refunded 30%, and the second year is about 40%, and the contract is clearly written, that is, the cash value table on the reverse side of the policy, take a closer look at it. After 10 years, you won't be able to get the principal.

How much can China Life Fulu full house pension insurance dividends be distributed after 10 years of dividends.

China Life Fulu Full Hall Pension Insurance Dividend 10 years after paying dividends can be divided into about 205,000+ dividends. Fu Lu Mantang: 10,000 per year, 10 years, the benefits are as follows:

It's about 205,000+ dividends. There is no accident coverage. The first year of 10 years of payment can generally only be refunded 30%, and the second year is about 40%, and the contract is clearly written, that is, the cash value table on the reverse side of the policy, take a closer look at it.

After 10 years, you won't be able to get the principal.

The cash value of China Life's policies is very low. The first year of 10 years of payment can generally only be refunded 30%, and the second year is about 40%, and the contract is clearly written, that is, the cash value table on the reverse side of the policy, take a closer look at it. After 10 years, you won't be able to get the principal.

Because the value of participating products with a long insurance period is low.

Summary. Kiss. Hello, the cash value of China Life's policy is very low, the first year of 10 years can only be refunded 30%, and the second year is about 40%, the contract is clearly written, that is, the cash value table on the reverse side of the policy, take a closer look at it.

After 10 years, you won't be able to get the principal. Because the value of participating products with a long insurance period is low. If the money is not a problem, it is recommended to continue to pay the premium, after all, the insurance is based on the premise of protection, if it really can't work, withdraw as soon as possible to lose less.

The longer the payment time, the greater the loss of surrender in the middle of the policy, please think again.

China Life Fulu Mantang Pension Insurance (Dividend), 6,000 yuan, paid for 10 years, what income can I get after 10 years, and the principal can be returned.

Hello dear. Please wait a moment, here is the most accurate answer for you!

Kiss. Hello, the cash value of China Life's policy is very low, the first year of 10 years can only be refunded 30%, and the second year is about 40%, the contract is clearly written, that is, the cash value table on the reverse side of the policy, take a closer look at it. After 10 years, you won't be able to get the principal.

Because the value of participating products with a long insurance period is low. If the money is not a problem, it is recommended to continue to pay the premium, after all, the insurance is based on the premise of protection, if it really can't work, withdraw as soon as possible to lose less. The longer the payment time, the greater the loss of surrender in the middle of the policy, please think again.

Today, the senior sister will share with you an evaluation of a participating pension insurance, which is China Life Fulu Mantang Pension Insurance (Dividend) (Preferential Edition).

Below, the senior sister will pick a few points from it to focus on the content of this product for everyone.

1. Payment period.

This product provides both single delivery and term delivery, of which the term delivery includes 5 years, 10 years, and 20 years. It can be seen that its payment methods are quite diverse and flexible. You can choose according to your own payment needs.

So, how to choose the payment period so that you will not lose it, let's see what the experts say:How to choose the payment period so that you will not lose?

2. Support policy borrowing.

This product has the other benefit of providing policy borrowing. In other words, if you encounter an economic crisis during the coverage period and meet the conditions, you can apply for a loan from the insurance company.

The maximum borrowing amount shall not exceed 80% of the cash value at the time of the contract after deducting the outstanding insurance premiums, borrowings and interest, and the term of each borrowing shall not exceed 6 months.

3. There is no guaranteed payment period for the pension.

The guaranteed pension payment period means that if the insured dies during the guaranteed payment period, the insurance company will pay the unpaid pension due during the guaranteed payment period in a lump sum if the conditions are met.

With the guaranteed pension payment period, you don't have to worry about dying after a few years of taking out pension insurance but not receiving the pension and feeling at a loss.

However, this product does not set a guaranteed pension payment period. Therefore, there is still some room for improvement in this side.

Based on the above, the payment methods of this product are more diverse and flexible, and it also supports rights and interests such as policy loans. However, there is no guaranteed payment period for its pension.

Therefore, before you buy this product, you can compare it with other products on the market. It would be better to shop around and then insure according to your own protection needs.

Finally, the senior sister will present you with a list of high-yield annuity insurance, friends in need can take a lookTop 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again! Hope.

Next, the senior sister will tell you about the product of China Life Fulu Mantang Pension Insurance (Dividend) (Preferential Edition). Let's see what it covers. Before starting, the senior sister will give you a guide to prevent pits on annuity insurance:

Learn this trick and stay away from the 99% pit of annuity insurance

Below, the senior sister will select a few points to focus on the content of this product.

1. How to receive the pension and the time when it starts to be received.

As can be seen from the security chart, the pension of this product can be received by annual and monthly payments. The start time of the pension is divided according to the gender. There are two types of men: 60 and 65 years old.

For women, there are 55 years old, 60 years old, and 65 years old.

It can be seen that the start time of the pension is consistent with the current retirement age, and it is set more reasonably.

2. Policy dividends.

Having a policy dividend is also a highlight of this product. In other words, if you have insured this product, you have the right to participate in the profit distribution of the participating insurance business of the insurance company. If the policyholder does not choose the dividend treatment method at the time of application, the insurance company will handle it according to the accumulation of interest.

3. There are 7 exemption clauses.

Generally speaking, under the same conditions, the smaller the number of exclusions, the more beneficial it is for everyone. This product has 7 disclaimers, compared to similar products on the market that only have 3 disclaimers. The number of exclusion clauses is a bit too much, which undoubtedly raises the threshold for the insured to make a claim.

4. Total disability benefit is not included.

This product covers pension and death benefits, and does not include total disability benefits. You must know that total disability can also bring a serious financial burden to the family. Therefore, compared with those similar products on the market that also include total disability protection, its protection content is not comprehensive enough.

After reading the above analysis, it can be found that this product has some shortcomings while still having some shortcomings. Senior sister suggests that you take a look at other products, and then apply for insurance according to your own protection needs.

Finally, the senior sister will present you with a list of high-yield annuity insurance, friends in need can take a lookTop 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again! Hope.

The protection content of China Life Fulu Full Hall Pension Insurance (Participating Type) (Preferential Version) includes pension and death insurance benefits, and the pension method and starting age can be flexibly selected, and it also supports policy borrowing and conversion of annuity rights.

In these ways, this product is not bad. There is no such thing as the best insurance, only the one that suits you best. Everyone should start from their personal protection needs and economic budget, and choose the most suitable insurance product for their insurance.

Next, the senior sister will introduce the National Life Fulu Mantang Pension Insurance (Dividend) (Preferential Version). Before starting the analysis, the senior sister first submitted a guide to avoiding pitfalls for buying annuity insurance:Learn this trick and stay away from the 99% pit of annuity insurance

Let's take a look at the security map:

Analysis of insurance conditions

China Life Fulu Mantang Pension Insurance (Dividend) (Preferential Macro Version) supports people who are more than 28 days old and under the age of 60 to apply for insurance, and the payment period can be selected as single payment, 5-year payment, 10-year payment and 20-year payment.

However, compared with the same type of products on the market that only have 3 or 5 disclaimers, the number of disclaimers for this product is relatively large, with 7. For those who don't know much about the disclaimer, you can take a deeper look at it through this article:What are the exclusions of insurance and how do you look at them?

If you don't understand, you'll suffer a big loss!

Guaranteed content analysis

The protection content of China Life Fulu Full Hall Pension Insurance (Participating Type) (Preferential Version) mainly includes pension and death insurance benefits.

Among them, the pension is more flexible. Men can choose to receive it at the age of 60 or 65, and women can choose to receive it at the age of 55, 60 or 65.

It is worth noting that this product comes with a policy dividend. However, policy dividends are uncertain. In other words, if the actual business situation of the insurance company is sluggish, the consumer may receive less or no dividends.

In general, the performance of China Life Fulu Full Hall Pension Pension Insurance (Participating Type) (Preferential Version) is decent. There are many excellent endowment insurance on the market, you can refer to this list, shop around and then choose the best insurance:Top 10 commercial endowment insurance in terms of cost performance!

Hope.