China Life Xinfu Life Insurance Dividend

Xueba talks about insurance, focusing on insurance evaluation! Recently, we have compiled a comparison table of 35 popular participating insurances and 101 critical illness insurances, which is very comprehensiveComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in China, to friends who know this article.

When it comes to participating insurance, many people are no strangers to it, so what exactly is participating insurance? What's the use? Let's focus on participating insurance:

Participating insurance, literally: Participating insurance is a type of insurance with dividends, that is, when the insurance company makes money, it distributes part of it to customers who have purchased participating insurance. Killing two birds with one stone, one insurance has both protection and dividends.

Indeed, participating insurance is quite popular with customers in the form of "protection + dividends", the question is, is participating insurance really so good? In fact, the protection function of participating insurance is very weak, and the income is not satisfactory.

A big part of the reason is that consumers have not carefully understood the participating insurance

Clause.

1. The distribution method of participating insurance is uncertain.

Second, the dividend pool is not transparent.

It is precisely because of the existence of these two characteristics that it is difficult to make the income of participating insurance, and therefore the participating insurance has become a high-incidence area for complaintsWhy is participating insurance a "high-incidence area" for insurance?

It's all clear.

In the final analysis, dividend insurance is not suitable for beginners, and people who do not have certain insurance knowledge should not blindly insure!

That's all for me"China Life Xinfu Life Insurance Dividend"All, look!

Ping An Life Insurance of China, Xinxiang Dual-Participation Insurance, High Protection, Low Premium.

If you want to manage your idle funds in the bank at home for 2 times, Xinfu is worth having all your life.

Chinese People's Insurance for a better life b, additional quality living fund account income is higher, guaranteed, the current settlement interest rate is 6%, you deserve it.

At present, there are zero renewal fees, withdrawal at any time, lifelong dividends, and very good financial products.

Hello, Chinese Life Insurance warmly provides you with consulting services, looks forward to your reply, and develops the best plan protection for you according to your needs.

Once in a lifetime, once in a lifetime, it is worth having.

Wuxi Life Insurance is at your service.

Xinfu life, you deserve it!

Hello, is there anything you can help with.

Hello, contact me to make a plan for you.

Summary. The earliest birthday pension for male insureds is 60 years old, followed by 65, 70, 75, 80, 85, a total of 6 times, and you can choose to receive the birthday pension.

Hello, dear, yes, China Life Xinfu Life Insurance Dividend can get back the principal after the maturity.

When this product is insured, it will choose the time to receive the life pension.

And it will be agreed on the insurance contract.

Receiving the birthday money is the time to get it back.

That is, my son has been paying since 1, and when will he be able to return to his capital after ten years.

If you choose to receive a birthday payment at the age of 70, you can return it when you are 70 years old.

It's been a bit of a long time, dear.

It seems to be 60 years old.

Yes. At the age of 60, it was paid off.

The earliest birthday pension for a male insured person is 60 years old, followed by 65, 70, 75, 80, 85, a yard of sail has a total of 6 times to guess hail, and you can choose to receive a birthday pension.

Isn't there still a survival bonus?,Others say that my child is about 27 years old.,I can get back to the capital.。

The survival fund can be received every year, but the survival fund is very small.

The life benefit is a one-time payment of accumulated premiums.

It's not cost-effective to surrender the policy.

The teacher made a plan for you, simulating, the insured is one year old, the boy pays 100,000 yuan a year, pays for 10 years, and the cumulative premium is 1 million.

Receive 15,795 per year until the age of 60.

At the age of 60, he received back the principal of 1 million.

After the age of 60, he receives $12,636 per year.

$15,795 per year from 4 to 59 years old.

Before the age of 60, you can only receive 850,000.

There is no return on investment.

You need to receive a birthday payment to get your money back.

yes, that's what I watched. The following says that there are more than 60,000 about 27, and I paid 6,000 a year, and my two sons paid it.

You can do the math and you'll find out, dear.

The teacher calculated that there was no such thing as a plan.

If you pay 6,000 yuan a year, the corresponding insurance amount is 6,318

4 59 years old receive $ per year.

Yes, that's it.

That's 55 years.

Yuan. Not more than your premium.

55 years without exceeding your premium, oh, to the age of 59.

How can you pay back in 27 years, dear.

Regardless of the inflation and depreciation of the 60,000 yuan in the past 55 years, the premium has not been flat.

I want to receive it, and I will be able to return the birthday money when I am 60 years old.

It's definitely not cost-effective to calculate like this.

It is considered to have saved a lifetime annuity for the child.

If you have additional funds, you can also add them directly to the universal account, and it is good to use this universal account.

This main insurance Xinfu lifetime product is not good, the collection time is too long, and the return is too slow.

The later you receive it, the slower the funds will enter the universal account, and the less you will earn.

The compound interest of insurance is the cost of capital, and the effect can only be shown through the time window.

The mainstream annuity main insurance on the market can be received within 10 years.

It is true that many Chinese-funded companies have taken too long to receive their products in recent years, including those like Taikang and <> who have returned to their roots at the age of 105

Survival insurance benefits are paid from the third year after the insurance is effective, but there are differences in the standard of survival insurance benefits before and after receiving the blessing benefits. Before receiving the blessing payment, the survival insurance benefit will be paid at the standard of 15% of the basic sum insured; After receiving the blessing payment, the percentage of the benefit will be reduced, and 12% of the basic sum assured will be paid.

Can I take a 10-year universal account of China Life Xinfu Lifetime Insurance?

Hello dear is happy to answer for you, you can't take it out, this is a participating insurance. The method is as follows: From the third year after the effective date of the insurance, the survival insurance benefits will be paid, but the standard of survival insurance benefits will be different before and after the blessing payment is received.

Before receiving the blessing payment, the survival insurance benefit will be paid at the standard of 15% of the basic sum insured; After receiving the blessing payment, the percentage of the benefit will be reduced, and 12% of the basic sum assured will be paid.

How long does it take to get it out.

Hello dear, 1Xinfu Life's Survival Insurance Xinfu Lifetime can start to receive survival insurance benefits in the third year after the insurance takes effect, but before and after receiving the blessing money, the proportion of survival insurance benefits is different. Before the date of receiving the blessing payment, the survival insurance benefit will be paid at the standard of 15% of the basic sum assured; After the date of receiving the blessing payment, the proportion of the beneficiary is relatively reduced, and the survival insurance benefit is paid at 12% of the basic sum assured.

2.Receiving the blessing money is generally called returning the principal, and all the premiums paid will be refunded at the agreed receiving age. The policyholder can freely choose the age of the blessing in 10 years, and the earliest can choose to receive the blessing at the age of 40.

The age at which the blessing money will be received. It can be found from **.

Hello, the age and date of receiving blessing money: The age of receiving blessing money is divided into 40 years old, 45 years old, 50 years old, 55 years old, 60 years old, 65 years old, 70 years old, 75 years old, 80 years old and 85 years old. Once the age of receiving the blessing money is determined, it cannot be changed during the insurance period of this contract.

Summary. Hello, sorry for your question.

The insurance period of China Life Xinfu Life Insurance is lifelong, and the optional payment period is 3 years, 5 years, 10 years, if the policyholder chooses to pay for 10 years, then the payment period can enjoy lifelong protection at the end of the payment period, and there is no need to pay premiums in the later period.

In addition, the insurance liabilities provided by this endowment insurance include survival money, blessing money, death benefit, dividends and universal account appreciation, etc., the insured is still alive on the receiving date of the blessing money, and the insurance company will return the premium paid.

Guoshou Xinfu has been in both his life for 10 years.

Hello, sorry for your question. The insurance period of China Life Xinfu Life Insurance is lifelong, and the optional payment period is 3 years, 5 years, 10 years, if the policyholder chooses to pay for 10 years, then the payment period can enjoy lifelong protection at the end of the payment period, and there is no need to pay premiums in the later period. In addition, the insurance liabilities provided by this endowment insurance include survival money, blessing money, death benefit, dividends and universal account appreciation, etc., the insured is still alive on the receiving date of the blessing money, and the insurance company will return the premium paid.

It's been 6 years.

Sixty percent refund.

Summary. Hello dear! Glad to answer for you :

China Life Xinfu Life 10 Years is a dividend-paying insurance, the insurance rate of the insurance is higher, and the capital flow is weaker, so not everyone is suitable to buy. Xinfu Lifetime Insurance is very wide, 0 years old to 70 years old can be insured.

Guoshou Xinfu has been in both his life for 10 years.

Hello dear! I am glad to answer for you: China Life Xinfu Life 10 Years is a dividend-paying insurance, the insurance rate of both insurance is higher, and the capital flow is weaker, so not everyone is suitable to buy.

Xinfu Lifetime Insurance is very wide, 0 years old to 70 years old can be insured.

Pro-Chinese Shou Xinfu Life Insurance (Dividend) Coverage Content: Survival Insurance Premium]: After 3 years, 15% of the basic sum insured will be paid every year; After the return of principal (including the current year), 12% of the basic sum assured will be paid every year until life.

Blessing money]: On the day of receiving the blessing money, the premium paid will be returned. [Death Benefit]:

Before the date of receiving the blessing payment, the death rebate premium is larger than the current price; After the date of receiving the life benefit, the death cash rebate and the sum insured are larger. [Policy age is greater than 18 years old, 120% of the premium will be refunded on death in the first year] Additional function dividends: cash collection and interest accumulation.

Policy borrowing: 90% policy borrowing; Annuity conversion: The beneficiary can choose to receive the death benefit in one lump sum, or convert all or part of the death benefit into an annuity.

Can I apply for a refund of the principal if I have paid it in full?

If the policy is surrendered during the premium period, there may be a loss, and the termination of the surrender contract will end the benefit.

How much can I get back when I surrender the policy.

The surrender amount is calculated based on the cash value of the policy.

You can consult the insurance company for details.