China Life Anxiang Lifetime Insurance, Chinese Life China Life Anxin Worry Free Insurance

Chinese life insurance is described as insurance garbage (low protection, inhumane insurance terms, and unclear insurance terms make it very difficult to settle claims).

Reply to the customer service channel from the official website of Chinese Life Insurance, you can check it out for yourself:

The first question: the bonus claim process.

1. As a policyholder, you need to bring the "Notice of Dividend of Participating Insurance", the insurance contract, and your identity document to the counter of the insurance company to fill in the "Application for Receiving Dividends of Survival Insurance Premiums and Spreads";

2 We will confirm the dividends due and payable;

3 You can make a claim.

Second: how to renew the insurance, the purchase of bancassurance products in the bank is usually paid by bank transfer

1. Fill in the insurance policy and the "Insurance Premium Autopay Payment Authorization Form": Please fill in the insurance policy and the "Insurance Premium Autopay Payment Authorization Form" carefully before paying the premium, and the insurance policy must be signed by yourself.

2 Bank Transfer Transfer: We will transfer funds from the bank account automatically in the "Insurance Premium Autopay Payment Authorization".

3. Notification of charging information: After the transfer is successful, we will inform you of the successful charging information according to the notification method you choose (such as SMS, etc.).

The third and fourth questions go to the official website of Chinese Life to check the life insurance of China Life, look at the product introduction, click "Calculate **" and then you can calculate your own income, including which day to receive money, how much, are very clear.

In addition, it is recommended that LZ register directly on the official website of Chinese Life in this case, and the policy situation and the notice of receiving money can be viewed in the future. You can ask me any questions.

He said that the return of the principal after 10 years and 15 years does it mean that it starts this year, or does it mean that I pay the money for 5 years?

It refers to the 10th and 15th years of principal return from this year.

Chinese Life Anxin Worry-Free Insurance is a product portfolio protection plan, the main insurance is both insurance, additional insurance includes critical illness insurance and long-term accident insurance, if you are over 18 years old when you apply for insurance, then you can't buy any insurance alone, you need to buy all three at the same time, you should pay attention to this.

So, is this China Life Anxin Worry-Free Insurance worth buying? Friends in a hurry can collect this article first: China Life Anxin Worry-free Insurance (Participating) is worth buying? Let's read this first.

Not much to say, the senior sister first presented the product portfolio chart of China Life Anxin Worry-free Insurance.

As can be seen from the product diagram, China Life Anxin Worry-free Insurance is also a life insurance with dividends, and I will evaluate it from the two aspects of main insurance and additional insurance, the details are as follows:

1. Main risk analysis.

The protection liability of China Life Anxin Worry-Free Insurance includes maturity insurance and death insurance, and like most of the two insurances, it has the characteristics of "life preservation and death protection", in which if the insured survives to the corresponding date of the year of expiration of the insurance period, then the Chinese Life Insurance Company will pay the maturity insurance benefit according to the following provisions: if you choose to pay in a single payment, the basic sum insured will be paid; If you choose to pay in installments, you will be paid the basic sum insured during the payment period (number of years). It can be seen that the maturity insurance premium of China Life Anxin Worry-Free Insurance is related to the payment period.

So, what is the status of a dual insurance like this in the market? We can find the answer from this list: the participating ranking of both insurance is newly released! Is there a spring imitation of the one you like?

2. Analysis of additional risks.

In terms of additional critical illness insurance, its insurance conditions are the same as the main insurance, suitable for people born 30 days to 65 years old, and the protection period is 5 years, 6 years, 10 years and 15 years to choose from, you can choose the protection period that suits you according to your budget and needs.

In the additional long-term accident insurance, the insurance conditions are different, the age range is 18-65 years old, and the optional protection period includes 7 years, 9 years, 15 years and 20 years, that is to say, when friends over the age of 18 buy this China Life Anxin worry-free product protection plan, the optional side of the protection period is still quite flexible.

First of all, I want to say that you are very irresponsible for yourself. You said it yourself, and you can't understand a lot of content at all, or you haven't even had time to read it, so you dare to sign it? As soon as you sign this word, you will have to bear the corresponding legal responsibility.

In the future, you must be cautious when encountering similar situations, and you must not be so hasty.

Then pay attention to your questions, to be honest, it's a bit messy.

There is no problem with writing 9485 on the payment voucher, because the sum of the first premium of the three types of insurance is 9442 + 12 + 31 = 9485The other more than 500 yuan should be deposited in the Postal Savings Bank as a demand deposit, and this 9485 was paid to Chinese Life as a premium.

As for whether this policy has interest, I can tell you for sure that there is not, life insurance products do not have the concept of interest. Your money can be deposited in the Postal Savings Bank as a deposit to receive interest income; It can also be paid as a premium to China Life to receive dividends. Your 9485 is paid to China Life as a premium, so there is no interest, only dividends.

And the dividends are uncertain. That is to say, no one knows how much dividends will be given to you in 6 years, and how much will be given to you, which may be lower than the bank's deposit interest rate in the same period.

You ask how much money you can really get in 6 years. This should be analyzed in conjunction with the insurance policy. You're buying an insurance package that includes three products.

Among them, "China Life Anxin Worry-free Insurance (Participating)" is the main insurance, "China Life Anxin Worry-free Long-term Accident Insurance" and "China Life Additional Anxin Worry-free Early Payment Critical Illness Insurance". The first two are insured for a period of 6 years and the third for a period of 9 years. So after 6 years, you can only consider what happens after the first two policies expire.

Then, the "China Life Anxin Worry-free Long-term Accident Insurance" is not returned after the expiration of 6 years, and only the "China Life Anxin Worry-free Insurance (Participating Type)" has a maturity payment that can be received. You belong to the regular premium (because you have to pay for 3 years), the maturity premium, the basic sum assured, and the payment period (number of years). The basic sum insured of your main insurance is 10,000 yuan, and the payment period is 3 years, so the maturity payment of your main insurance is 30,000 yuan.

So after 6 years, you can be sure that what you will get is a maturity payment of 30,000 yuan, and there is an uncertain dividend.

As for the cash value, it is actually the surrender benefit that can be obtained by surrendering the policy. Surrender can be understood as an early termination of the contract in this regard.

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

Summary. The contract is in force.

10. If they are still alive in the fifteenth year, they shall pay the survival insurance money according to the % of the insurance premium paid (excluding interest).

Chinese Life Insurance (Participating) Clause.

Hello dear, this is a comprehensive insurance that covers up to the age of 70.

During the insurance period up to the age of 70, you can receive 40% of the premium paid in the 10th policy year and 60% of the premium in the 15th policy year, covering death due to illness, accident and 6 major natural disasters, and you can also enjoy company dividends.

Right. How to get it.

The contract is in force.

10. If they are still alive in the fifteenth year, they shall pay the survival insurance money according to the % of the insurance premium paid (excluding interest).

Anxin Worry-Free Insurance (Participating) is a product of Chinese Life, which allows people aged 30 days to 65 years old to apply for insurance, and the coverage content is the same as most of the two insurances on the market, including death insurance and maturity insurance. You can take a look at the simple model list here to learn about this product: China Life Anxin Worry-free Insurance (Participating) is worth buying?

Let's talk about these flaws first.

Let's take a look at the security map first:

Although the guarantee content of this product is relatively simple, the senior sister found that it still has these shortcomings:

1.The waiting period is longer.

The waiting period for Anxin Worry-Free Insurance (Participating) is 1 year, while the waiting period for many similar products on the market is only 90 days.

Some friends don't know about the waiting period, so they think it doesn't matter how long it is. In fact, the waiting period refers to the division of a period of time after the insurance is taken, and if the insurance is insured during this time, the insurance company will not bear the corresponding liability. Its role is actually very easy to understand, that is, to prevent some people from being sick and deliberately coming to defraud insurance.

Therefore, by setting up a period of time to see the physical condition of consumers, the rights and interests of the company are protected. Regarding the waiting period, you can read here to learn more: During the waiting period, the insurance company will not pay?

If you don't understand, you'll suffer a big loss!

But for consumers, of course, the shorter the better, and Anxin Worry-Free Insurance (participating) is not good enough in this regard.

2.Policy dividends are uncertain.

As long as you have purchased Anxin Worry-Free Insurance (Participating Type), you can enjoy the rights and interests of policy dividends, and the ways to receive policy dividends are cash collection and interest accumulation.

However, the senior sister wants to remind everyone that dividends actually refer to the distribution of distributable earnings in the past year by the insurance company, but how much can be divided and how much can be divided.

The analysis of Anxin worry-free insurance (dividend) is here first, in fact, there are other excellent products on the market, you can compare them before making a decision, the senior sister has also compiled a list here, if you are interested, you can take a look: The list of both insurance dividends is newly released! Is there one you like?

Let's check it out. There are many reasons for this.

The coverage period of Taikang Comfort Life Insurance is lifelong, and the protection liability includes survival insurance benefit and death insurance benefit.

1. Contract composition:

This contract is an agreement between you and us to agree on the relationship of insurance rights and obligations, including this insurance clause, insurance policy or other insurance certificates, insurance policy, insurance documents related to this contract, legal and valid statements, endorsements, endorsements and other written agreements mutually agreed by you and us. This contract shall come into force upon our agreement to underwrite, collect the initial premium and issue the insurance policy, which shall be subject to the date stated in the insurance policy.

2. Amount of insurance:

The amount of insurance under this contract shall be agreed between you and us at the time of application and shall be stated in the insurance policy. In addition, in terms of the insurance period, the insurance period of this contract is the life of the insured, starting from 0:00 on the effective date of this contract and ending at the death of the insured.

3. Insurance liability:

During the insurance period of this contract, we assume the following insurance liabilities:

1) Survival insurance benefits.

If the insured survives to the date of payment of the survival insurance benefit agreed in this contract and this contract is still in force, we will pay the survival insurance benefit to the beneficiary of the survival insurance benefit according to the insurance amount stated in the insurance policy multiplied by the survival insurance payment ratio.

2) Death benefit.

If the insured dies and is within the scope of liability under this contract, we will pay the death insurance benefit to the beneficiary of the death insurance and the pension, and this contract will be terminated. Before the date of the survival benefit, the death benefit is the largest of the following three amounts:

1) the amount of insurance stated in the insurance policy;

2) the cash value of this contract on the date of death of the insured;

3) Accumulated insurance premiums paid under this contract.

After the date of the survival benefit, the death benefit shall be the largest of the following three amounts:

1) The balance of the insured amount stated in the insurance policy after deducting the survival insurance money paid in this contract;

2) the cash value of this contract on the date of death of the insured;

3) The balance of the accumulated insurance premiums paid under this contract after deducting the survival insurance premiums paid under this contract.

Generally, the way to receive the life insurance is mainly to accumulate interest and cash collection, if the policyholder and the insured are the same person, they must bring the policy, and the identity refers to the original auspicious certificate, bank card or fold. If it is not the same person, the insured person should bring his or her original ID card to the nearest branch office.

As for the payment method, first of all, the annual dividend policyholder will receive it in cash, and if it is not received, the dividend will be stored in the policyholder's policy and will not increase in value. The accumulation of interest is that the customer can not take away the dividends every year, it will be accumulated in the policy account, the insurance company will compound interest to the policyholder, no matter when the money is used, you can apply to the insurance company at any time to receive, considering the maximum benefit, it is generally recommended to choose the accumulation of interest, which will be more beneficial and convenient to receive. Cash pick-up can be converted to earn interest, while interest-accumulating cannot be converted to cash pick-up.

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