Chinese Shou Xin Fu Nian Clause, China Life Xin Fu Nian Annuity Insurance Clause

Why is "Xinfu Nian Nian" so popular. , the top ten advantages are not hot, not good:

Advantage 1: Short payment time: 10 years. Advantage 2: Fast return: 12% of the premium will be refunded within 10 days of the contract taking effect. After one year, the sum insured will be refunded annually15. Advantage.

Third, the principal has to be early: the earliest return to the principal, women are 55 years old, and men are 60 years old. Advantage.

Fourth, after repaying the empty debt, you can also receive money every year until the age of 79! Advantage 5: At the age of 80, you will receive 100% of the sum insured. Advantage.

Sixth, free diamond Xin account: under the guarantee, no cap, the existing annual interest rate, current passbook, regular interest, with lifetime cash flow, want to use, want to borrow. Advantage.

7. The maximum predetermined interest rate, the same premium, and the benefit increases. Advantage.

8. The additional conditions are relaxed, and you can enjoy the existing interest rate and 151% accident protection after the addition. Advantage.

9. The policyholder has great power, and the special diamond Xin account is 100% ownership, and everyone is protecting themselves.

Advantage. 10. The beneficiary inherits flexibly, and the guarantee fund can be converted into an annuity, realizing the powerful function of benefiting three generations of a policy. Xinfu every year, happy every year!

What you buy is what you earn. Official Notice!! As of March 31, 2016 at the latest, the product will be discontinued and delisted!!

After 10 days of the contract, 12%, the second year: 15%, to the age of 79, 100% at the age of 80, the agreement is to be reversed

55-year-old male 60 years old, the reverse money is into the Xin account 5:05% monthly compound interest, guarantee: 2:5%.

1.12% of the premium after the policy becomes effective

2.15% of the sum insured in the second year

3.Early repayment of principal, 55 weeks for female.

Year. Male: 60 years old. Receive your premiums.

4.There is no principal to repay the income, and the money will be received until the age of 79.

100% of the sum insured at the age of one

It needs to be handled quickly, and the sale will be stopped at the end of the month.

The two upstairs are right, and there is also a free Xin account.

Different people have different understandings of happiness, how do you understand it? As ordinary people, we hope that the elderly will be supported, the young will be educated, the wealth will grow steadily, and the family will be harmonious and happy. China Life Xinfu Annually Portfolio Plan can easily realize your family's wealth dreams and give you full happiness.

The policyholder has purchased both China Life Xin Account Insurance (Universal) (Diamond Version), China Life Xinfu Annuity Insurance and China Life Xinfu Annuity Insurance for the insured, and chooses China Life Xinfu Annuity Insurance and China Life Xinfu Annuity Insurance for 5 years, with an annual premium of 100,000 yuan, and the pension begins to receive on the corresponding date of the year when the age of 60 is over, and agrees with the Company that each annuity generated by China Life Xinfu Annuity Insurance and China Life Xinfu Annuity Insurance, Pension, life pension and maturity insurance will be automatically transferred to the personal account as the insurance premium of China Life Xin Account Dual Insurance (Universal Type) (Diamond Version).

Features: Consistent and stable cash flow.

If the insured survives from the effective date of the policy, the annuity paid for the first time is 12% of the insurance premium paid by Xinfu for the first time every year, and 15% of the basic insurance amount of the contract will be paid every year until the age of 79, which will be paid and returned every year, so that you have a continuous and stable cash flow.

Ultra-fast refund of insurance premiums paid.

If the insured survives, in accordance with the terms and conditions, Xinfu can be returned at the earliest age of 55, so that your funds are safe and reliable, and the pension insurance contract in the middle of Xinfu continues to be valid, and you can also receive an annuity at 15% of the basic insurance amount every year.

High-growth wealth gold.

You can choose to transfer each annuity, pension, longevity and maturity insurance money generated by Xinfu every year to Xin account (diamond version) to realize the secondary appreciation of wealth and calmly cope with inflation.

Flexible pensions.

If you choose to use the Diamond Xin account as a pension reserve, you can choose to receive a generous pension after retirement, and the retirement age can be flexibly selected to meet the needs of the pension and enjoy the golden sunset.

If you have any other insurance questions, please come: more insurance fish talk about insurance! ，

Coverage. Any person who is more than 28 days old and under the age of 65 and is in good health can be the insured, and the person himself or the person who has an insurance interest in him can apply for insurance from the insurance company as the policyholder.

Period of insurance. The insurance period of the insurance contract shall be from the effective date of the contract to the corresponding effective date of the year when the insured reaches the age of 80.

How to receive the pension and the date on which it begins.

The pension is received annually.

The age at which the pension begins to receive is:

Male: Six. Ten, sixty.

4 years old: 5, 70 and 75 years old; Female: Fifty.

Five, six. Ten, sixty.

5, 70 and 75 years old.

The policyholder can choose one of them as the contracted pension at the time of application. Once the starting age for receiving the pension is determined, it cannot be changed during the insurance period of the contract. The pension commencement date is the corresponding date of the year corresponding to the pension commencement age agreed in this contract.

Insurance Liability. 1. Pension.

From the date of receipt of the pension agreed in the contract to the date of the effective date of the year when the insured reaches the age of 80, if the insured survives to the effective date of the contract, the insurance company shall pay the pension at the rate of 15% of the basic insurance amount of the contract every year.

2. Birthday money.

The insured survives to the date of receipt of the pension agreed in this contract, and the insurance company pays the life allowance according to the insurance premium (excluding interest) paid in the contract.

3. Maturity insurance benefits.

On the effective date of the year when the insured survives to the age of 80, the contract is terminated, and the insurance company pays the maturity insurance benefit according to the basic insurance amount of the contract.

4. If the insured dies from the effective date of the contract to the date of receipt of the pension agreed in the contract, the contract is terminated, and the insurance company shall pay the death insurance benefit according to the greater of the following two values at the time of the insured's death.

1.insurance premiums paid under the contract (without interest);

2.The cash value of the contract.

If the insured dies and the contract is terminated from the date of receipt of the pension agreed in the contract, the insurance company will pay the death benefit according to the cash value of the insurance contract at the time of the insured's death.

Question: I would like to ask if he starts to return the money in the second year from the date of payment.

For example, if the policyholder chooses to start receiving the annuity at the age of 60, it is not until after the age of 60.

Q: Do I get 15% of the sum insured back in the second year?

Question: Also, when you start receiving an annuity at the age of 60, it's 12% of the sum of the first year's premiums, right?

Question: Survival pension is until the age of 79, right?

The question is that the customer receives 15% of the sum insured every year from the second year of the payment period, and then receives it until the age of 79, and the annuity is the sum of the first year's premium until the age of 60, and then 12% of the annual sum insured, so if it adds up, it is 30% of the sum insured every year after the age of 61, so is it right?

In recent days, many insurance companies have successively launched their own opening products, as an insurance giant - Chinese Life is no exception. Life insurance boss Chinese Life's 2017 opening product - China Life Fu Xinfu Winner has been launched. The following is an introduction to the terms and conditions of the Chinese Shou Xin Fu winner.

Chinese Shou Xinfu winner product introduction

Product Terms

China Life Xinfu Winner Annuity Insurance.

China Life Xin Account Comprehensive Insurance (Universal) (Platinum Version).

China Life Xin Account Comprehensive Insurance (Universal) (Premium Version).

【Precautions】

Who can guarantee: 0 - 70 years old.

How to pay: 3 years, 5 years, 10 years.

How long to last: up to 88 years old.

[Insurance Benefits].

Instant payment: 20% of the premium will be refunded after the cooling-off period, which is equivalent to a 20% discount.

Survival Benefit: A survival benefit of 20% of the basic sum assured will be received every year from the effective date of the policy until the Agreed Care Benefit is received; After the date of receiving the Community Care Allowance (i.e. after the return of the principal), you can receive a survival benefit of 3% of the basic sum assured every year.

Care Payment: Survive until the date of receiving the care payment as agreed in the policy, and return all the premiums paid.

Pension age: 30 35 40 45 50 55 60 65 70 75 80 85 years old.

Death Benefit: The Community Care Benefit will be paid according to the greater of the premium paid and the cash value of the policy, and the premium paid will be refunded due to accidental death from the date of receiving the Community Care Benefit, and the cash value of the policy will be paid if the person dies due to illness.

Create a new era of universal accounts Dual account driven:

High Guaranteed Closed Account: China Life Xin Account Annuity Insurance (Universal) (Platinum Version) has an expected annualized interest rate of 3% for guaranteed settlement, compound interest settlement, and rapid appreciation of wealth fission.

Highly flexible additional account: China Life Xin Account Annuity Insurance (Universal) (Premium Edition) enjoys exclusive 0 handling fee addition, 2% guaranteed settlement expected annualized interest rate, and no limit on wealth appreciation.

Chinese Life Insurance Shares****.

China Life Xinfu Annuity Insurance Interest Clause.

Article 1 Composition of the insurance contract.

China Life Xinfu Annuity Pension Insurance Contract (hereinafter referred to as this contract) consists of the insurance policy and the attached China Life Xinfu Annuity Annuity.

Gold Insurance Interest Clause (hereinafter referred to as the benefit clause of this contract), basic clause of personal insurance (hereinafter referred to as the basic clause of this contract).

Cash value statements, declarations, endorsements, endorsements, and insurance policies, reinstatement applications, health declarations, and others relating to this contract.

Written agreements are combined.

Article 2 Scope of Insurance.

Any person who is more than 28 days old and under 65 years old and in good health can be the insured, either by himself or with him.

A person with an insurance interest shall apply for this insurance with the Company as the policyholder.

Article 3 Insurance Period.

The insurance period of this contract shall be from the effective date of this contract to the corresponding effective date of the year when the insured reaches the age of 80.

Article 4 The method of receiving the pension and the date of commencement of the pension.

The pension is received annually.

The age at which the pension begins to receive is:

Male: Six. Ten, sixty.

4 years old: 5, 70 and 75 years old;

Females: five. Ten.

Five, six. X.Six.

Ten. 5, 70 and 75 years old.

The insured can choose one of them as the pension under this contract at the time of application. The pension begins to be paid.

Once the age has been determined, it cannot be changed during the insurance period of this contract. The pension begins to be received on the pension year agreed in this contract.

The date on which the gold begins to receive the annual age of the antling.

Article 5 Insurance Liability.

During the insurance period of this contract, the company shall bear the following insurance liabilities:

1. Pension.

From the date of receipt of the pension agreed in this contract to the date of the effective date of the year when the insured reaches the age of 80, if the insured is ...

If the insurer survives to the effective date of this contract, the company shall pay an annuity of 15% of the basic insurance amount of this contract every year.

2. Birthday money.

The insured survives to the date of receipt of the pension agreed in this contract, and the insurance premium paid by the company in accordance with this contract (excluding interest.

interest) to pay a birthday payment.

3. Maturity insurance benefits.

This contract shall be terminated on the corresponding date when the insured survives to the age of 80 or above, and the company shall receive the basic insurance benefits according to this contract.

amount of maturity insurance premiums.

4. Death benefit.

If the insured dies before the effective date of this burial contract and the date before the start of receiving the pension agreed in this contract, this contract is terminated, and the company shall pay the death insurance benefit according to the greater of the following two at the time of the insured's death.

1.Insurance premiums paid under this contract (without interest);

2.The cash value of this contract.

From the date of receipt of the pension agreed in this contract, if the insured dies and this contract is terminated, the company will be insured.

The cash value of this contract at the time of death shall pay the death benefit.

Chinese Life Guoshou Xinfu Annuity Insurance is a 2016 Chinese Life opening, Huimin pension insurance, combined insurance. It is also a kind of pension financial management and inheritance, and can also be used as a child's education fund, growth and other various types of insurance.

The universal account is an additional account for the return of survival, and the income is uncertain. Xinfu is not a dividend insurance every year, it gives a fixed predetermined interest rate, but the overall Xinfu annual income is less than the internal rate of return in finance), because the surcharge is spent by the insurance company (commission, tax, and other expenses of the cost), and the remaining money to you is the cash value as the principal to calculate the interest, reminding you that you have to pay attention to the cash value of the policy, which is deducted by a few percent.

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

Xinfu life, insurance age 18 years old to 70 years old, three years after the effective date, the fourth year of the return of 15 percent, the earliest 40 years old return to the principal, after the return of the principal according to 12 percent to life, lifelong dividends, increase the respect of the Mu enjoy version of the Xin account to the survival of the gold, to life. Maturity gold, dividends into the Xin account, daily interest month settlement of a year compound interest 12 times, mountain grinding spike.