Chinese People s Insurance Universal Type A, Chinese Insurance Universal Insurance A

It depends on how much you pay annually, if you pay 6000 a year, and you only want to pay for 10 years, I personally think that you just get a guarantee, almost no income in the future, even if there is income, you had better take out all the money in your personal account before the age of 60! Because after the age of 60, the money in your personal account will be deducted from the cost of protection!

Excellent! Congratulations! Chinese Insurance, 60 years brand! Trustworthy!

Universal insurance refers to life insurance that allows you to arbitrarily pay premiums and adjust the amount of death insurance benefits at will. The reason why universal insurance is called "universal insurance" is that after applying for insurance, customers can adjust the sum insured, premium and payment period according to their protection needs and financial resources at different stages of life, determine the optimal ratio of protection and investment, and make the most of limited funds. Chinese Life's universal insurance has a variety of products, and the most important thing in choosing insurance is to choose the most suitable product according to your own situation.

According to the universal insurance product descriptions of many insurance companies, usually within 10 years of the effective date of the policy, the policyholder has to pay an initial fee of a considerable amount to the insurance company. The first year is the most paid, with the initial fee often accounting for 65%-70% of the premium paid, with a relatively large proportion in the first three years and a relatively small proportion after the fifth year. In addition to the risk insurance premium and initial fee, the universal insurance policyholder also needs to pay other fees to the insurance company, and some companies also charge a partial collection fee and surrender fee.

Therefore, when choosing universal insurance, we should not only pay attention to the "addition", but also analyze the "subtraction" done by the insurance company, that is, pay attention to the comparison of the deduction of various expenses of the insurance company. How to understand universal insurance, let's understand from these aspects. First of all, universal insurance is a "life insurance".

Don't think that it is a wealth management product, universal insurance is also an insurance product. Therefore, it has the basic functions of life insurance, such as: providing corresponding life protection, insurance benefits are exclusive, insurance benefits are exempt from income tax, etc.

Although it is not a tool to achieve windfall profits, it can take into account investment returns and related protection, and at the same time, it can steadily protect our assets by legal means. It is an ideal way to store "risk reserves". Second, it is a "one-size-fits-all" life insurance.

It is said to be "omnipotent", mainly in terms of flexible payment, adjustable sum insured, and convenient receipt of policy value. First, the payment is flexible or. You can choose or change the payment period at will, defer or stop paying premiums when your income changes in the future, continue to pay premiums after three to five years or more, and increase premiums one or more times.

Second, the sum insured can be adjusted. You can choose or change the "basic sum assured" within a certain range at any time, so as to meet people's different needs for protection and investment. See the "Illustrative Examples" section of the table below.

Third, it is convenient to receive the policy value.

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

Universal Insurance:

1.Five advantages.

1) Flexibility and diversity. Universal insurance can arrange its own funds, even if it does not attach other types of insurance, due to its adjustable insurance amount, flexible payment and other characteristics, its functions are also diverse. One policy has multiple protections, which can not only provide personal protection, but also take into account financial management, which greatly facilitates the policyholder.

2) Avoid policy lapse due to periodic cash flow constraints. Universal insurance is different from traditional term insurance, and once the payment method is agreed, it cannot be changed. After paying a certain amount of premium, the policyholder of universal insurance can choose to pay any premium equal to or higher than the regular premium at any time according to his own wishes and circumstances.

This feature is especially useful when the policyholder has temporary difficulties in paying the premiums.

3) Strong resilience to inflation. The difference of universal insurance is that the return on investment of its customers' personal investment accounts is not fixed, but changes according to the actual income of the investment account, and at the same time, each company gives a guaranteed interest rate. In general, such a product can eliminate the effects of inflation to varying degrees.

4) You can withdraw money from your personal investment account as needed or in a hurry. Personal investment account of universal insurance, with monthly interest and monthly compound interest. Clients have the flexibility to withdraw up to the cash in their personal investment account at any time, and the insurance contract remains valid, which is more advantageous than a policy mortgage with traditional insurance.

5) The policy account is clear and straightforward. In the past, one of the obvious characteristics of traditional insurance was that the account was ambiguous and unclear. In response to the needs of customers who want to keep abreast of changes in the protection amount, account fund flow and income status of the policy, universal insurance provides a transparent account design.

2.Three disadvantages.

1) In terms of protection, universal life insurance generally provides life insurance, when the insured dies, serious illness or total disability, you can get the payment of the specified basic sum insured or policy value, from this point of view, the protection function of universal life insurance is still limited.

2) The deduction fee is the most in the first year, and there is basically no deduction after the fifth year!

3) Focus on the long-term, it is best not to have short-term access. Basically, it can be repaid after ten years, but it is not suitable for the elderly to buy.

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

China Life's "Fang Xin Bao" Portfolio Plan (hereinafter referred to as "Fang Xin Bao") consists of China Life Fulu Xinzun Dual Insurance (Fenmin Changhong) (hereinafter referred to as Fulu Xinzun), China Life Gold Account Annuity Insurance (Universal) (Deluxe Edition) (hereinafter referred to as Gold Account (Deluxe Edition)) and China Life Cancer Prevention Insurance (hereinafter referred to as "Cancer Prevention Insurance").

Multi-in-one comprehensive protection.

"Limb Return" covers multiple responsibilities such as pension, financial management, cancer, death protection, etc., transfers risks at different stages of life, and provides all-round care, so that you can easily enjoy a high-quality life.

Get back quickly and enjoy your earnings.

Fulu Xinzun is a lifelong dividend insurance, three years before the date of the life pension, one year after the date of the pension to return to life, the insurance premium paid by the product can be returned on the day of the pension collection, the earliest 55 years old return design, so that you can sit back and relax. (The payment of survival insurance, special survival pension and life allowance is based on the survival of the insured, and the specific payment conditions are subject to the provisions of the terms and conditions of Fulu Xinzun).

Cancer-specific responsibilities are diverse.

"Fangxin Bao" has a wide range of protection functions, including not only the protection of the diagnosis fund, but also the functions of ** fund and waiver of premiums, building a solid health protection wall for you.

Extra protection for human care.

Additional benefits for specific cancers and additional benefits for mild cancers, up to 260% of the basic sum assured, demonstrating special care for cancer health. (Cancer Diagnosis Insurance, Specific Cancer Additional Benefits, Mild Cancer Diagnosis Benefits, and Cancer** Insurance Benefits, the payment conditions are subject to the terms and conditions of the cancer prevention insurance policy).

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

Ping An Life Universal Insurance: refers to a type of life insurance that includes insurance protection functions and has a certain asset value in at least one investment account. Ping An Universal Insurance can not only protect the life of the policyholder, but also allow the policyholder to directly participate in investment activities.

Ping An Universal Insurance offers you the possibility to solve your protection problems with just one life insurance policy for your lifetime. Ping An Universal Insurance's flexible premium payment methods and adjustable benefits make it ideal for those who need whole life insurance coverage.

Universal insurance is a very advantageous financial product with flexible payment, deferred payment protection unchanged, adjustable insurance amount, and the amount of protection can be adjusted according to different stages. What disadvantages you say depends on what angle you look at, just like flexible payment, which is good for some people, and some people feel that it is not good to be too flexible.

Now Magnum can also add worry-free accidents and medical treatment, only deducting the cost of protection, which is relatively lower than the cost of separately attached products, and the payment is delayed, and the accident and medical treatment will not be out of insurance. It is a real insurance for protection + financial management. If you think about critical illness, accidental medical treatment, and retirement, then you can consider this plan.

Xueba talks about insurance, focusing on insurance evaluation! This is a list of universal insurance products that are worth buying, and friends who want to buy universal insurance can make a reference:"Planting grass, these ten super value universal insurance for you".

Universal insurance is a type of insurance that integrates investment income, death protection, and critical illness protection, with multiple protections under one policy. This kind of insurance is the most recommended insurance by insurance companies, saying that universal insurance can cover anything. Even some large companies with first-line brands are recommending, such as Ping An.

There are many universal insurances of Ping An, such as Smart Star, Smart Star, Smart Life, Smart Win Life, etc., and the combination of these universal insurance seems to take into account financial management and protection. Is that really thoughtful? Just look down?

Let's analyze the more popular "outwitting life".

Let's take a look at its financial management features first.

The main insurance of this insurance is universal whole life insurance, which is to configure a universal account for you, it should be noted that you need to deduct the initial cost and protection cost, and the rest can be calculated as interest, and the specific interest depends on the operation of the insurance company, but the minimum is given to you. What is the concept, the interest rate of Yu Bao is about now.

What are the deduction rules for the initial fee and the cost of protection, because it is too long, I will not explain it here, you can go to my original article, which has a detailed explanation:Why was Ping's [Outwitting Life] complained by everyone? 》

Let's talk about its safeguard function.

There are no minor illnesses in this critical illness benefit, such as: For example, if you are unfortunate enough to have chronic renal dysfunction, the insurance company will not pay a penny, and will not pay you until it becomes end-stage renal disease. Nowadays, most critical illness insurance plans will cover minor illnesses, and even the sum insured is still very high.

Take a look at how it compares to other companies:"Comparison Table of 136 Popular Critical Illness Insurance in China".

The water of universal insurance is very deep, and there is no need for ordinary working families to buy universal insurance, and it is not really universal. It is recommended that you honestly buy critical illness insurance, life insurance, etc., which are specifically designed for a kind of insurance that protects the reverse.

Many people have a herd mentality in their attitude towards insurance, and are greatly influenced by relatives and friends. In fact, whether you need insurance or not should be judged independently according to the actual situation of the family, otherwise you will be the one who will be delayed in the end. Someone once spent 100 yuan to buy an accident insurance, after the insurance company paid more than 2,000 yuan according to the regulations, the consumer was not satisfied, so he complained, so that a relative in the family who was just about to buy insurance dispelled the idea, and then the relative was out of danger, the family fell into trouble, so it was delayed.

Insurance is a social insurance for employees in each unit, which is of course very useful, but it cannot be used as a substitute for commercial insurance. There is an analogy: in the cold winter, in the house, we may only need to wear a sweater, but if we are going out, we should wear an overcoat.

Social security is equivalent to that sweater, maintaining the minimum protection; Commercial insurance is equivalent to the coat that protects from the wind and rain, which is the guarantee of quality of life. For major diseases that pose the greatest threat to family wealth, social security cannot afford them, and only drugs within the scope of social security can be reimbursed, and it is difficult for social security funds to be transferred to patients' accounts immediately; Commercial insurance is different, as long as the hospital is diagnosed, the funds will arrive immediately, and the scope of medication is very large. There was once a tragic story of a well-off family that was in debt due to the illness of a family member.

In fact, we can often bear and solve the losses caused by small risks, while the losses brought by large risks are often catastrophes, which must be solved by insurance. What's more, for the rich, why not use a little money to deal with a possible sudden catastrophe?

Hello friends! Universal insurance is a more flexible type of insurance that has both health protection and financial management. Don't surrender the policy since you've already bought it, because there's a loss in surrendering. Please think carefully!

Hello! Zhiying Life was discontinued last year, and now it is the third generation of Magnum "Outsmart Life". It's protection and financial management! Prevent illness and provide for the elderly without illness!

This type of insurance is very good, others say that they have been deceived, what kind of fraud is it, the terms of the contract are clearly written, clear and clear, it is not recommended to surrender the insurance, and now there will be a certain loss in surrender.

How much can you get back, call Ping An customer service 95511 to check the cash value Others don't care about the specific amount You say it's your own relatives That's good to say If you have any questions, ask him This commercial insurance can be used as a supplement to social security Depending on your own situation, it doesn't mean that the more you buy, the better.