In 2017, a 45 year old female Chinese life Kangning how to pay for life

It is deducted directly from the bank card.

Xueba talks about insurance, focusing on insurance product evaluation! In the past two years, I have evaluated all the hot critical illness insurance in the market, and of course Corning is also among the evaluations, and the overall is still good:Click here to get a comparison chart of Corning and the latest critical illness insurance

Every product of Chinese Life is really a fire. But not every insurance plan is right for everyone, and Corning is no different. Many people ask the senior sister if Corning is worth it.

In response to your needs, in the early hours of yesterday morning, I carefully studied Corning's terms, and then made an evaluation report seriouslyWhat about Corning Critical Illness Insurance? This ace critical illness insurance of Chinese Life is really complicated!

You can take a look.

In this article, I have broken down the details of Corning's terms. Because it is written in great detail, I will only give a brief introduction here:

1. What to protect.

2. What are the benefits of Corning's critical illness insurance?

1. Sufficient protection: Back to the most basic protection design, the protection for critical illness and mild illness is relatively comprehensive, not only the types of minor illnesses have reached 50, but also 7 specific major illnesses have been added, and an additional 50% of the sum insured can be paid, and the protection is basically sufficient;

2. Chinese life big brand, many service outlets: in all provinces and cities across the country, including some township areas, you can basically find Chinese life service outlets;

You can apply for insurance at the age of 60, and the insurance age is wide;

Third, these points are missing, must be paid attention to before buying Corning?

In addition to the above advantages, Corning also has many shortcomings to pay attention to, such as the average amount of compensation for minor illness, most of the critical illness insurance on the market now has a minimum compensation ratio of 30%, but Corning only pays 20%, which is slightly lower. In addition, although there are many diseases covered, there are still some deficiencies, and other more serious shortcomings I have written aboutIs Corning Critical Illness Insurance for Chinese Life worth buying? What are the pros and cons?

In this article, you can take a closer look.

In addition to Corning, I also compared the hot-selling critical illness insurance products of major companies on the market this year, and because there are too many highlights, I will put out the condensed version of the content, you can check out this articleA list of critical illness insurance companies worth buying in 2020

That's all for me"In 2017, a 45-year-old female Chinese life Kangning how to pay for life"All of them, I hope it helps you! Hope!

Summary. Kiss <>

I am happy to answer for you: 59-year-old women buy Chinese Life Corning Whole Life Insurance with an insurance amount of 100,000 yuan and pay 3,000 yuan, which can be paid annually, semi-annually, quarterly, and monthly. The specific payment method will be determined according to your needs and payment ability, it is recommended that you consult the customer service or ** person of Chinese Life to understand the specific operation process and precautions of various payment methods, and choose the payment method that suits you.

How to pay how much does a 59-year-old woman pay to buy Chinese Life Corning Whole Life Insurance with an insurance amount of 100,000?

Kiss <>

I am happy to answer for you before the promotion: 59-year-old women buy Chinese Life Corning Whole Life Insurance with an insurance amount of 100,000 yuan and pay 3,000 yuan, you can pay annually, semi-annually, quarterly, and monthly. The specific payment method will be determined according to your needs and payment ability, it is recommended that you consult the customer service or ** person of Zhonglu Chaiguo Life Insurance to understand the specific operation process and precautions of various payment methods, and choose the payment method that suits you.

Kiss <>

By extension, insurance is intended to be safe and reliable; After extending into a security mechanism, it is a tool used to plan life finances, and it is the basic means of repentance under the conditions of market economy, and it is an important pillar of the financial system and social security system. <>

Brother Bao said insurance, focus on insurance evaluation! Is Chinese Life Corning 2019 Whole Life Critical Illness Insurance Comprehensive Discussion? First of all, let's show you a comparison table of the world: the top ten insurance companies are "worth buying" the inventory of popular critical illness insurance!

46-year-olds are within the age of entry for Corning Whole Life; See my analysis of this product for details.

Corning's 2019 lifetime critical illness insurance has been very popular.

Let's take a look at Corning's coverage first

Here are the pros of this product:

1.High Coverage for Specific Illnesses: 7 specific critical illnesses for children, men and women, and an additional 50% for specific critical illnesses can be paid. In the unfortunate event of a specific illness, you will receive 150% of the sum insured.

2.Corning Optional Insurance: You can choose the age of insurance after the add-on:

At the age of 60, 70 and 80 respectively, if the high disability or critical illness does not occur during this period, 110% of the total premium will be refunded, and the critical illness benefit is still in force.

This premium can be used directly as a pension, but the protection is still valid.

But the shortcomings of this one cannot be ignored:

1.The payout for minor illnesses is not high. There are many critical illness insurance in the market with a compensation ratio of more than 30%, but this critical illness insurance has a compensation amount of only 20%, and it is only paid once, and the average compensation ratio is even lower.

2.There is a severe lack of disease. These 100 kinds of critical illnesses and 50 kinds of mild diseases also have 21 kinds of special diseases that give me a kind of illusion, there are many types of insurance, knowing that I go carefully to the list of specific diseases, many common critical illnesses are not among them, autologous hematopoietic stem cell transplantation, chronic respiratory failure, severe Kawasaki disease, severe Reye's syndrome, etc. are not included; There are so many types of protection that seem to be in vain.

3.The premium is too high. We can see from the premium calculation that this product requires 16,400 yuan for a 30-year-old man without additional insurance; After the addition of both insurances, then the annual premium will reach 21,300.

Such a ** can buy several cost-effective, high-protection and good critical illness insurance products.

If you have a soft spot for Chinese life products, have a sufficient budget, and the shortcomings are acceptable, you can consider starting;

1. No, the protection is lifelong, and if it is withdrawn after 20 years, it will be considered as surrender. There is a loss, about 80% can be taken, that is, about 17,600 yuan, according to my cash value, the difference will not be too big, but everyone is different in age, there will be differences. 2.

Is it possible to borrow, up to 70%? Do I need to pay any interest? If you can borrow, it is 70% of the annual cash value, and the cash value is increasing, so the amount you can borrow is different every year.

You need to pay interest, which is higher than the bank's interest in the same period. It varies every year, and the bank interest rate for the same period is a little higher. Bank interest increases, and so does interest on borrowing.

3.I have been paying for two years and this is the third year, how much cash can I get back if I surrender the policy? You can refund to the first year, plus 30% of the second year, which is actually yuan.

If it is refunded at the end of the second year, it can be refunded to the cash value, which is slightly higher than that. 4.My sum insured is 20,000 yuan, what is the maximum amount to accompany if I have a disease?

40,000 yuan for critical illness, 60,000 yuan for death or high disability, and 40,000 yuan for high disability or death first, 40,000 yuan and then 20,000 yuan for a total of 60,000 yuan. If you want to restore within two years, you must fill in the written application and notification of reinstatement, and there is a six-month observation period, if two years have passed, this insurance will be permanently invalid. If it is changed to one, then the other one is considered to be surrendered

1 It's not that you can take it This way to understand Kang Zhong After 20 years, it will be a little lower than the principal You can calculate according to the cash value Kang Zhong has the function of pension, you may not know too much The cash value of insurance is based on the risk insurance amount to increase but does not exceed the risk insurance amount For example, your insurance I use the number to say Ha A total of 22800 The cash value is less than 60000 That is to say, when I am 70 years old, I can surrender the insurance and get about 40000 According to the cash value Therefore, it can be explained that it has a pension function, 2, can borrow 70%, and ICBC can reach 90%, which is calculated according to the loan interest rate at that time, 3, specifically according to the cash value, about 800 or more, 4, according to you, you should be 98 years of health in this way, the critical illness is 40,000, the total insurance is 60,000, and the new health is 60,000.

If you surrender the policy halfway, you can only get the cash value of the current year, and if there is a handling fee, it will be less. Borrowings are also 70% of the cash value. To buy insurance, you must clearly read the insurance liability part and the liability exemption part of the contract, so as to buy protection clearly.

1. It cannot be taken out after the expiration period, and it will be paid 1 compensation 33 at this time, and the surrender can only return the cash value at this time, and there is no money 4 Critical illness 1 compensation 2, that is, 20,000.

Xueba talks about insurance, focusing on insurance product evaluation! The comparison results of the most comprehensive popular critical illness insurance products I have compiled with Corning are here, please receive:A comparison table between Corning and the nation's most popular critical illness insurance

When it comes to Corning, most people may have heard of it, and it is also the best among the many health insurance products of Chinese Life. Last night, I studied Corning's terms inside and out, and then made a serious evaluation reportWhat about Corning Critical Illness Insurance?

This ace critical illness insurance of Chinese Life is really complicated! You can take a look.

1. What does Corning protect?

2. What are the benefits of Corning's critical illness insurance?

1. Sufficient protection: Returning to the most basic protection design, the protection for critical illness and minor illness is relatively comprehensive, not only the types of minor illnesses have reached 50, but also 7 specific critical illnesses have been added, which can pay an additional 50% of the sum insured, and the protection is basically sufficient;

2. Chinese Life was established earlier and has a wide range of offline service outlets;

You can apply for insurance at the age of 60, and the insurance age is wide;

3. What should I pay attention to when Corning Critical Illness Insurance?

To be honest, Corning still has a lot to criticize, such as the low proportion of minor illness claims, and the proportion of minor illness claims in many critical illness insurance companies on the market has started at 30%, but Corning only pays 20%, which is slightly lower. In addition, although there are many diseases covered, there are still some deficiencies, and other shortcomings I have written aboutBig brother Chinese Shou shot again, Corning got it, and the guarantee was all there? You only know when you see it!

In addition to Corning, I also compared the hot-selling critical illness insurance products of large companies on the market this year, because there is too much content, the display here is too confusing, you can check out this articleA list of critical illness insurance companies worth buying in 2020