I want to buy a copy of Huaxia Insurance s FLM, do you have any friends who have bought it?

I have bought myself FLM, FLM is generally a very stable value-added insurance, the insurance age is from birth to 70 years old can be bought, the income is very stable, there is a fixed annuity, annual payment, and a universal account, the value-added is also very stable. So far, my income is still very good, quite satisfied. Specifically, you can consult the sales staff of Xiaxiaxia.

Huaxia FLM (Winner Edition) annuity insurance supports people aged 0-70 years old, this insurance age is relatively broad, and children, middle-aged people, and the elderly can be insured in this age group.

China Life Insurance has also launched FLM Flagship Annuity Insurance before, interested friends can take a look: If you want to buy China Life FLM Ultimate Annuity Insurance, do you know how much it earns?

In addition, Huaxia FLM (Winner's Edition) annuity insurance is guaranteed for life, and the payment period has the options of single payment, 3-year payment, 5-year payment, 10-year payment, and 20-year payment. If you don't know how to choose the payment period, you can take a look at this article: How to choose the payment period so that you won't lose?

How to choose the payment period so that you will not lose?

In terms of protection content, Huaxia FLM (Winner Version) annuity insurance covers care funds, annuities, death total disability insurance benefits, and accidental death and total disability waiver insurance premiums for the policyholder.

In addition, Huaxia FLM (Winner Edition) Annuity Insurance also has two rights: policy pledge loan and automatic advance payment of insurance premiums.

The highlight of Huaxia Fulinmen (Winner Edition) annuity insurance is that the policyholder is exempted from insurance premiums for accidental death and total disability, and the subsequent premiums can be waived if the corresponding conditions are met, but the protection is still effective, which is very practical for parents to insure their children, or couples to each other.

On the whole, Huaxia FLM (Winner Edition) annuity insurance is still performing well, but the senior sister recommends that you compare other annuity insurance on the market and then choose the best.

Huaxia FLM (Children's Edition) is an annuity insurance product, the overall cost performance of the product is OK, it is the average level of the market, if the budget is sufficient and there are corresponding financial needs, you can consider insurance.

Top 10 Financial Insurance Rankings Want to buy high-yield financial insurance? These 10 other sails are missed again!

The following is a brief analysis of this product on the protection chart of our Huaxia FLM (Children's Edition) annuity insurance.

As can be seen from the insurance chart, FLM (Children's Edition) annuity insurance supports people aged 5 days to 25 years old, with a lifetime insurance period and a single payment period.

In terms of protection content, FLM (Children's Edition) annuity insurance includes annuity, life expectancy, death total disability insurance and policyholder waiver, in addition to some policy rights, such as policy loans, premium advances, and the product also has a universal account (can be attached).

On the whole, FLM (Children's Edition) annuity insurance still has some bright spots.

For example, the payment period of this product is very flexible, and the policyholder can flexibly choose the appropriate payment period according to his actual income.

For some people whose income is not stable, they can give priority to single payment to avoid breaking off the relationship due to financial problems in the later stage.

For those with stable incomes, you can consider paying for a long time, such as 5 years, 10 years or 20 years, etc., to extend the payment period, so that the annual premium will be much less.

In addition to the flexible payment period, FLM (children's version) annuity insurance can also be attached to the universal account, if the policyholder has a sufficient budget, you can also consider attaching it, after all, the money deposited in the universal account can achieve secondary appreciation, which is still very good, suitable for people who pursue higher returns.

In addition to the above, FLM (Children's Edition) Annuity Insurance has some content worth analyzing, and friends who want to know more about this product can read the following evaluation article:

The guaranteed interest rate of Huaxia FLM (Children's Edition) universal account is as high as 3%? Is it really reliable?

Finally, the insurance applicable to people of different age groups is different, and blind purchase may be a waste of money, see here for the specific insurance plan:

How to buy insurance for different age groups? Everyone should have their own plan.

The payment period of Xia Yingmen Annuity Insurance is relatively flexible, and it can support up to 10 years of payment. Regarding protection liability, like most annuity insurance, there is an annuity and a death benefit two-year-old joke.

Huaxia FLM (Children's Edition) Annuity Insurance is an annuity insurance product of Huaxia Insurance. Huaxia Insurance has performed very well in the market, and has been listed in the Fortune Global 500 for two consecutive years, with a cumulative total premium of 100 million yuan as of the end of January 2023, ranking fifth in the market.

Next, the senior sister will introduce Huaxia Fulinmen (children's version) annuity insurance to everyone.

Let's take a look at its security map first:

1. Analysis of the policyholder's exemption from liability.

Huaxia FLM (Children's Edition) Annuity Insurance provides the policyholder with an exemption guarantee, which allows the policyholder to waive the remaining unpaid premiums when the contract occurs during the payment period. This is more advantageous for the insured, after all, the child still needs to bear the premium before the child is independent, and with this protection, you can avoid the situation that the policy will lapse due to the fall of the parent.

However, it should be noted that the premise for this benefit to be triggered is that the insured is under the age of 60 at this time and is not the same person as the insured.

2. Take into account the total disability protection.

Huaxia FLM (Children's Edition) Annuity Insurance not only provides death protection, but also takes into account the total disability protection of the hardship base.

In this way, if the insured unfortunately becomes totally disabled, the expenses during the ** and ** period can be regarded as settled, which can reduce some financial pressure for him, which is still very good.

For more information about Huaxia Fulinmen (Children's Edition) annuity insurance, the senior sister has been sorted out here in Lu Qishi, if you want to know more details, you can move here:The guaranteed interest rate of Huaxia FLM (Children's Edition) universal account is as high as 3%? Is it really reliable for early limbs?

The above is the introduction of Huaxia FLM (Children's Edition) Annuity Insurance, if you still can't make up your mind after reading the analysis of the senior sister, you can also compare other products. After all, you need to compare and contrast to know which product is more suitable for you. Hope.

As long as the insured meets the claim standard of the corresponding insurance product, the insurance company will settle the claim according to the corresponding proportion, and there will be no such thing as refusal, unless everyone triggers the exemption clause.

Is Huaxia Insurance reliable? You need to know these precautions!

So in the next time, the senior sister will take the "Fu Linmen (Collector's Edition) Annuity Insurance" under China Life Insurance as an example to introduce to you how much protection this product has!

1.The payment period is flexible

You can see from the product picture given above by the senior sister that there are 5 options for the payment period of FLM (Collector's Edition) annuity insurance, namely single payment, 3 years, 5 years, 10 years and 20 years, and the payment period is relatively flexible.

From this point of view, the payment period of FLM (Collector's Edition) annuity insurance can give the insured a higher degree of flexibility, and everyone can fully choose the payment period that suits them according to their own economic conditions when applying for insurance.

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

2.Guaranteed content analysis

According to the terms, the protection liability of FLM (Collector's Edition) annuity insurance is related to love money, annuity and death total disability insurance benefits, in addition, this product also sets up three other rights and interests services: policy pledge loan, insurance premium self-payment and insurance reduction, which greatly improves the practicability of the policy.

If the insured encounters an economic crisis during the insurance period, he or she can apply for a policy pledge loan from the insurance company to help him survive the economic crisis under the premise of meeting the conditions!

So in addition to FLM (Collector's Edition) annuity insurance, what other annuity insurance products are worth insuring? Senior sister will tell you in one article:

Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again! Hope.

FLM is an annuity insurance launched by China Life Insurance, if you want to choose a good annuity insurance, you must pay attention to these points:"An article reveals annuity insurance, please stay away from these pits".

To see whether an annuity insurance is good or not, we can't just look at its advantages or disadvantages, but also analyze the protection, income and cost performance of the entire product

FLM series as the main annuity insurance of Huaxia, basically every year will be a new product, recently Huaxia has launched a FLM (auspicious Ruyi version), there are many people ask me how this product is!

Let's take a look at the product diagram first

1. Who can buy Fu Linmen (auspicious Ruyi version)?

Fu Linmen (auspicious Ruzhi Qingyi version) supports people aged 0 70 to buy, and can choose to pay for up to 20 years. Annuity insurance is generally calculated by premium, with a 30-year-old man, an annual payment of 100,000, paid in 10 years, the total premium is 1 million, and the premium is not returned at the age of 80, and the insured amount is 10,000 after calculation;

FLM includes death total disability protection and policyholder exemption, and the benefits include: annuity return, compound interest appreciation of universal account, and optional life payment.

2. What is the annuity income of FLM (auspicious Ruyi version).

Case: A 30-year-old man has sex before taking an orange, paying 100,000 yuan a year, paying it in 10 years, and does not choose to return the premium;

Payment period (30-39 years old): 1 million in 10 years;

After 5 years of contract, you can receive a survival annuity: 10,000 yuan per year, and you can receive it for life.

3. Fulinmen (auspicious Ruyi version) universal account income

FLM Auspicious Ruyi Universal Account has 3 versions, HP version (total premium above 100,000), Diamond version (total premium above 150,000) and Winner version.

The returned annuity will not be claimed, and will be automatically transferred to the universal account and increased by monthly compound interest. Insurance companies are based on the middle and high-end interest rates for calculation, in fact, the guaranteed interest rate of the diamond version and the winner version is only 3%, and the excess part of Wu Hail is uncertain. At the current interest rate, the actual achievable returns can be found in this article:

"Huaxia Fulinmen Calculation of Different Grades of Income, My Tears Fall When I Know the Truth".

Hope. The same number on the whole network: Xueba said insurance.

Huaxia Insurance's FLM is an annuity insurance (participating), which covers annuities and total disability insurance benefits, but the policy dividends are uncertain.

There are many other versions of the annuity insurance products of the FLM series, and the senior sister specially found one of them, and if you are interested, you can take a look

Is Huaxia Life Insurance off to a good start? After reading the earnings, I was silent.

So below, the senior sister will come to conduct a simple evaluation of Fulinmen annuity insurance (dividend-paying type), not much nonsense, directly above:

1.Flexible payment terms.

There are a total of 5 payment terms for FLM annuity insurance (dividend), which are single payment, 3 years, 5 years, 10 years and 15 years, so that the policyholder can choose the appropriate payment period according to their payment habits.

2.Narrow age range.

The age range of FLM annuity insurance (participating type) is 28 days old and 55 years old (inclusive) who were born and discharged from the hospital, which means that the elderly over 55 years old are unable to apply for this product.

However, you should know that there are many products of the same type on the market, and the maximum underwriting age can reach 65 or 70 years old.

But don't worry, there are still a lot of excellent annuity insurance products on the market? Just like these products:

Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

3.Long waiting period.

The waiting period for FLM Annuity Insurance (Participating Type) is as long as 180 days, which means that the insured can only enjoy protection after 180 days after the contract takes effect.

During the waiting period, the insurance company will not pay? I don't understand, but I want to eat a big tease and shoot the envy of the mountain forest!

Huaxia's Fulinmen brother is an annuity product, and the specific annuity payment plan depends on whether it is suitable for you. Don't focus too much on the benefits, the investment benefits are directly proportional to the investment risks.

In fact, there is no such thing as deception in insurance products, and different products have different functions. It's not that if you buy a product, you'll be fine. If you are afraid of being fooled, you can communicate more with the insurance marketer, sort out your doubts, and then verify with the company's 400**.

Even if you have already bought it, there is a 10-day cooling-off period after signing the receipt, during which the surrender is fully refunded.

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