What are the participating insurance products of China Life? How long does it take to buy it to pay

Hello! Participating insurance is a life insurance product in which the insurance company distributes to policyholders a certain proportion of the actual operating results of such participating insurance in the previous fiscal year after the end of each fiscal year. China Life's participating insurance products are very rich.

As for how long it takes to buy dividends, it is necessary to judge according to the specific situation of the insurance product.

The main types of China Life participating insurance products.

1. China Life Fulu Double Happiness Supreme Edition Combination Plan. Innovative combination of participating products and universal products, integrating the return of premiums at maturity, the right to distribute dividends, and the investment ability of the survival fund universal account.

2. China Life Fulu Baby Insurance (Dividend). Help parents give their children enough care so that insurance can accompany their babies as they grow up; Before the age of 30, the growth of the golden years rises; Aged 18 to 55 to 60, with a high amount of protection; 55 After the age of 60, there is a generous pension.

3. China Life Happiness Life Insurance (Participating Type). Once a year, it will be returned immediately upon payment, multiple collections, the basic insurance amount will be paid at maturity, and the dividend distribution will be enjoyed, and the high amount of protection will be enjoyed.

4. China Life Fulu Mantang Pension Insurance (Dividend-paying Type). Provide pension, dividends, interest accumulation, guaranteed payment, and accident protection to make your old age full of dignity.

Xueba talks about insurance, focusing on insurance evaluation! The comparison between 35 participating insurance and 101 mainstream critical illness insurance has been updated35 participating insurances and 101 hot-selling critical illness insurance products are PK, to friends who know this article.

Participating insurance, as the name suggests, is a participating insurance, which not only provides various guarantees agreed in the contract, but also can enjoy the operating results of the insurance company.

Participating insurance is more popular with consumers because it has both protection functions and annual dividends, and the question is, is participating insurance really so good? In fact, the protection function of participating insurance is very weak, and the income is not satisfactory.

Clause.

1. The dividends of participating insurance products are unknown to the experience of insurance companies.

Second, the dividend pool is not transparent.

It is precisely because of the existence of these two characteristics that it is difficult to earn dividends, and it has become a type of insurance with a high complaint rateParticipating insurance is actually the most complained about type of insurance?

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!

That's all for me"What are the participating insurance products of China Life? How long does it take to buy it to pay dividends"All, look!

China Life Annuity Insurance Dividend-paying Dividends:

1: You pay a total of 4,240 yuan for your parents, the two are different. They all start to receive annuities at the age of 55, with 500 yuan per person per year until the age of 79, and 20,000 yuan per person at the age of 80.

2: The dividends of this insurance product will have dividends from the beginning of your payment this year, and the general dividends will be distributed once a year, that is, in January 2010, you will have the dividends of 2009.

3: Dividends you can choose to withdraw from the scale of the insurance company in cash every year, or you can choose to accumulate interest, rolling interest, it is recommended to accumulate interest, and over the decades, dividends can accumulate a large amount. The accumulated dividends can also be withdrawn in a certain year during the contract period, and the subsequent dividends will be accumulated again.

4: After the insurance company settles the corresponding profit of the current year according to the accounting year, deducts the corresponding operating costs, calculates the distributable surplus, and returns it to the customer at a ratio of not less than 70%, which is the dividend.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Chinese Life Guoshou Hongshou Annuity Insurance is a product launched by Chinese Life Insurance Co., Ltd. ****.

1. Introduction of Chinese Life Guoshou Hongshou Annuity Insurance Products.

Full name of the product: Chinese Shouhong Life Annuity Insurance (dividend).

Product Type: Primary Insurance.

Insurance category: commercial endowment insurance.

Company: Chinese Life Insurance Co., Ltd. ****.

Issue age: 16-60 years old.

Payment method: single payment, 10 years of fan payment, 20 years payment.

Insurance period: until the insured person is 80 years old.

Second, the characteristics of Chinese Life Guoshou Hongshou Annuity Insurance products.

1.Pension, the excitement is still the same.

Receive an annuity according to the contract, so that life after retirement is still wonderful.

2.Death insurance, worry-free.

In the event of misfortune, they will receive a high amount of money to maintain the normal standard of living of their families.

3.Birthday celebration at the end of the term, intimate care.

If you are still alive at the end of the contract, you can get a considerable one-time birthday payment and enjoy your retirement life in peace.

4.Invest rationally and manage your finances with ease.

Policy borrowing, convenient and flexible, if you need working capital, you can use the policy to obtain a loan according to the contract.

3. Chinese Life Guoshou Hongshou Annuity Insurance Case.

Mr. Zhang, when he was 30 years old, applied for China Life Hongshou Annuity Insurance (Participating Type), chose to pay for 10 years, with an annual premium of 13,100 yuan and an insured amount of 100,000 yuan, and began to receive it at the age of 60. Its insurance benefits are as follows:

Pension. From the age of 60 to the date of the year when the insured reaches the age of 79, an annual pension of 5,000 yuan will be paid if the insured survives on the corresponding date of the contract.

Death benefit.

In the event of the death of the insured, the company will pay the death insurance benefit of 200,000 yuan, and the contract will be terminated.

Maturity benefit.

On the effective date of the year when the insured survives to the age of 80, the company will pay the maturity insurance premium of 200,000 yuan, and the contract will be terminated.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Common life insurance participating insurance is generally full participating insurance and term participating insurance.

Dual-dividend insurance combines survival insurance and death insurance, so it is also known as life and death insurance. When applying for both-life insurance, you can not only enjoy the savings function of survival insurance during the insured's survival, but also quietly obtain dividends in the process of continuous savings, and can also have the function of death insurance. If the insured dies in the course of insurance protection, the beneficiary can receive the death insurance benefit from the insurance company; Conversely, if the insured is still alive, the beneficiary will also be entitled to dividends during the insurance period.

Term dividend insurance is also a common type of life insurance. On the basis of life insurance, the insurance company will pay dividends to the beneficiaries in cash according to the dividend share stipulated in the insurance contract and according to the earnings of the insurance company for the year. At the same time, the guarantee period is five, ten, and fifteen years.

Dividends received during this period will be distributed according to the operating performance of the insurance company and will not be determined. Therefore, when purchasing term dividend insurance, we must fully understand the qualifications of the insurance company.

Life insurance guarantees the life or death of the insured. Life insurance generally refers to the insurance premium that the insurance company will pay to the beneficiary in accordance with the relevant provisions of the insurance contract if the insured survives or dies during the insurance period. To put it simply, the life of the insured is the life of the insured, and the payment condition is the life and death of the insured.

Life insurance minimizes damage in the event of survival or death of the insured and transfers risk.

Summary. Hello is happy to answer for you, Chinese Life will pay 10% of the basic insurance amount of survival insurance, as a stable income ** for customers, and can also enjoy stable company dividends every year, which is very suitable for family stable financial planning needs. Fulu series products have a wide range of insurance and flexible payment methods, and citizens can choose different payment methods according to their own economic conditions, and can also enjoy perfect life protection during the insurance period.

The policy has a loan function to ensure flexible funds, when customers need money urgently, they can apply for a policy loan to obtain emergency cash, and the protection part is still valid.

How to pay dividends to China Life Fortune Insurance (Participating Type).

Chinese Life will pay survival insurance benefits at 10% of the basic insurance amount, as a stable income ** for customers, and can also enjoy stable company dividends every year, which is very suitable for family stable financial planning needs. Fulu series products have a wide range of insurance and flexible payment methods, and citizens can choose different payment methods according to their own economic conditions, and can also enjoy perfect life protection during the insurance period. The policy has a loan function to ensure flexible funds, when customers need money urgently, they can apply for a policy loan to get urgent cash, and the protection part is still effective.

Chinese Life: China Life Fushou Annual Insurance (Participating Celery) Suspect Shouming Insurance Category: Life and Death Insurance, Participating Insurance, Voluntary Insurance, Original Insurance, Individual Insurance, Main Insurance.

The existence of every insurance has its significance, so whether it is reliable to buy life participating insurance depends on the specific situation, depending on what your actual needs are, let's find out together.

First of all, how to choose the first policy in life

Many parents will buy their first insurance for their children after they are born, some parents will choose universal insurance, some parents will choose medical insurance, and some will choose education funds and so on. So how do you choose the first policy to maximize the benefits? We all know that buying insurance is a guarantee to buy, throughout the current society, various diseases have become more and more young and developing, and the cost of some critical illnesses is even more unbearable for ordinary families.

As the saying goes, only if you can't cure a disease, you can't afford to go to school, so the first policy in life should be to choose critical illness insurance and medical insurance, so that a disease will not change a family.

Secondly, how to buy participating insurance

From the above point of view, if the first policy is not reliable if you buy participating insurance, then does it mean that you can't buy participating insurance, of course not, so when is it reasonable to buy? Personally, I think that what can crush a family is illness and accidents, so I think that in addition to purchasing critical illness medical insurance and accident insurance, if you still have spare money, then you can buy another participating insurance.

In fact, the dividend of participating insurance is not determined, it is mainly determined according to the actual operating income of the insurance company's participating business. At present, most of the dividend insurance on the market is to achieve compound interest mode, the way of rolling interest, so that you can save for decades, and the income is also very considerable.

However, it should be noted that if the participating insurance is surrendered in the middle of the policy, the principal will be lost, and the specific loss depends on the cash value of the policy. Therefore, when buying participating insurance, you must carefully read the details of the insurance to ensure your own interests.

Life insurance is more reliable, because the life company is also a large company, so this kind of dividend insurance can also be purchased, this kind of dividend is generally within a date of each year, the insurance company will send some dividends of this money to the investor's account.

The second disadvantage is:

The principal is reliable! But the earnings are not reliable! First of all, this kind of insurance tells you that the yield is high, in fact, in the end, the return is uncertain, how much is possible! Not as stable as financial management.

The second disadvantage is:

Question: I pay 5640 a year

I pay 5640 a year

In fact, this kind of participating insurance does not play an insurance role, it belongs to the middle of insurance and financial management, and the question was asked at that time, and the salesman said that there was no one to accompany 270,000.

At that time, the salesman said that there was no one to accompany 270,000.

The question is gone.

It's gone. Isn't that a deception?

Isn't that a deception?

It's not particularly reliable, because if it's time to pay dividends, they give us some fake reports or some doubtful questions, so there is no way to refute it.

is reliable. It is calculated in cash, and the cash dividend is what you get, and the benefit is still very high.

A lady bought one. Participating insurance. After knowing that you have been deceived. Shed tears to return the insurance. Henan people buy 17 insurances. Lost millions. It's been reported on TV n times.

Long-term stable investment can consider increasing the amount of life, and the compound interest growth of cash value and the determination of income are written in the contract. As for the dividend insurance, the income is uncertain, and the guaranteed income contract is only less than 1 point.

This is still relatively reliable, and security can also get a certain division of labor, so we must have a certain understanding of the signed contract and the content of the investment.

After the company's operation has been distributed, the company's 0 funds sit on 30, and the customer's own money is 70 after the company enjoys