What about the Fulu Jinzun of Chinese life?

A good product for transferring assets is garbage in terms of security.

China Life Hongfu Supreme is different from general insurance, it has the characteristics of more annuity payments, early payment at maturity, and high income, which provides a diversified solution to solve the financial needs of family children's education, pension, and financial management.

2.Chinese Life "Hongfu Supreme" insurance portfolio plan integrates many favorable conditions such as commercial pension and broadening investment channels, covering functions such as pension and long-term planning, which can fully meet the needs of consumers.

3.The most important thing for consumers of Chinese Life's "Hongfu Supreme" insurance portfolio plan is the stable "dual account" income - fully integrating insurance protection and financial management functions, and equipped with "dual accounts", so that the income can accumulate and grow, and it can easily complete financial planning such as children's education, pension and investment.

Traditional insurance plans with flat-rate and fixed-rate benefits cannot cope with the impact of interest rate fluctuations and inflation. Once the policyholder has purchased this type of insurance, the premium and sum insured will not change. When interest rates are lowered and deflation, insurance companies will face"Lose money"Risk; When interest rates rise and inflation occurs, the insurance company will face the risk of surrender of the policyholder.

In order to effectively prevent the occurrence of the above two situations, investment insurance came into being.

Fulu Jinzun's "Liangquan Insurance (Participating Type) product is the first insurance wealth management product launched by Chinese Life Insurance Co., Ltd. that "returns the income after returning the principal". The so-called "return of principal and income" means that the insured can continue to receive a survival insurance benefit equivalent to 6% of the basic insurance amount from the insurance company every year after receiving the life benefit (the insurance premium paid by the customer) at the agreed age until his death.

Chen Jinsong, assistant general manager of the product development department of Chinese Life Insurance Co., Ltd., said that "Fulu Jinzun" is a high value-added product that integrates financial dividends, accident protection, and pension, returns every three years, high fixed income, early return to capital, annual dividends, and guarantees. This all-round strategy highlights the concept of "lifelong receiving, worry-free pension; Death protection, multi-fold care; A return to the capital, more peace of mind; The design is flexible and can be matched as you like; Accumulation account, double income; Enjoy dividends and share surpluses; policy borrowing, flexible funds" and other product features.

Another important feature of the "Fu Lu Jinzun" product is that the degree of protection is increased, and the death benefit will be paid according to twice the basic sum insured and the premium paid in the event of death due to illness before the life benefit is received; In the event of accidental death, the death benefit will be paid at 5 times of the basic sum assured and the premium paid; In the event of death after receiving the life benefit, the death benefit will be paid according to the greater of the basic sum insured and the cash value. At the same time, "Fulu Jinzun" has a variety of payment methods, which can be paid annually, can be paid for three years, five years, and ten years, and customers can choose different ways to apply for insurance according to their own needs. In addition, this product is a dividend to life, annual dividends, lifelong dividends, customers can share the company's dividend insurance benefits.

At the same time, the company has set up an account for survival insurance money and dividends, and customers can not receive it, and put the money in the Chinese life interest rollover, which can easily obtain double investment income.

When customers urgently need money, they can apply for a policy loan to obtain emergency cash, and the protection part is still effective, and the loan amount can reach up to 80% of the cash value of the product at the time of borrowing, which fully meets the diversified needs of investors for wealth management products.

Insurance and wealth management have two meanings, including the protection function of insurance products, and the financial management function attached to insurance itself. The financial management function of insurance can realize the appreciation of insurance funds. This appreciation is based on the long-term investment of investment insurance.

Investment insurance is a medium and long-term investment, and the policyholder cannot rush to ask the insurance funds to obtain considerable returns in one or two years.

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