What kind of insurance does both platinum and bottle insurance cover?

Yes, this is a healthy and dividend-paying insurance product.

The income is determined by the annual dividend of the insurance company.

For the dividends of insurance companies, they are determined according to the annual profitability of insurance companies, which are dispensable and have obvious uncertainties.

If the content of the contract does not clearly state the specific amount of money to be received, just saying "how high" is based on a person's mouth, it will be an empty "check" that the insurance company cannot cash.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

For example, first purchase the social insurance launched by the state (it is best to have a unit come forward to purchase), such as the cooperative medical insurance for rural households or the medical insurance for urban residents with urban households, and then consider commercial insurance as a supplement.

Insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should focus on health insurance. That is, medical insurance and protection products are the first, and then the combination of pension insurance, children's education funds, and dividend investment products is considered.

Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

To be honest, we make money for a lifetime, and at the same time, we spend money for a lifetime, so why does everyone work so hard? In the future, pension, medical care, children's education, etc., but must have a healthy body, smart people know this truth, only the capital to make money, you can make more money, so it is important to buy adequate medical insurance. If you are not healthy, it is impractical to have more pension insurance.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay the relevant costs for children.

This is the participating insurance of China Life Insurance!

Platinum Bottle 35 Types of Critical Illness Benefit, Cancer Double Benefit, 10 Fixed Income, Compound Interest Dividend.

Platinum Bottle has comprehensive protection (life insurance, health, accident, cancer prevention), and you can enjoy the following services with a platinum bottle.

1.With only 10 years of payment, you can enjoy up to 20 years of comprehensive protection: short payment period and long protection period.

Enjoy the High Critical Illness Benefit during the year, covering 35 types of high-incidence critical illnesses, to take care of the health of you and your family.

Double payout for cancer during the year, eliminating the pressure of high medical bills.

Annual life insurance protection, in the event of misfortune and total disability, so that the family has no worries.

During the year, the principal will be returned in full and the health and safety will be returned.

6.Enjoy a fixed 10% fixed income.

7.Compound interest dividends are enjoyed every year.

8.Coverage amount: 18-50 years old can apply for up to 500,000 yuan (1 million for cancer), and 0-17 years old can apply for up to 100,000 yuan (200,000 for cancer).

9.Insurance Premiums, Fixed Income Dividends are fully tax-deductible.

10.The application procedure is simple, the joining method is flexible, and no medical examination is required.

As an undergraduate student in the insurance industry, I don't recommend buying a lifetime plan. First of all, there is no universal insurance, whether it is a serious illness accident or medical pension, if the salesman tells you that everything is insured, it is directly ** undoubtedly, you can see if all the claims are paid in the later stage, so if you want to insure all of them, you will buy a few more copies, you get what you pay for, do you think actuaries are not better than you will calculate? Second, the critical illness insurance, updated every 20 years, will be added to the disease according to the market every few years, I forgot what floor it is, said that the insurance to 70, there is no need to supplement?

In the future, there will be dozens of new major diseases, and what will happen if you listen to you in the future will count on the protection of ten or twenty years ago, and the other guarantees will not be available? Were you in charge at that time? Third, dividends, please look at the development of enterprises, and the status quo has a dime to do?

No matter how Huaxia is a state-owned asset, do you think China can let him fall? Guoshou Niu, please be rotten for 20 years, who is rotten? Don't mislead customers with your half-bottle expertise, do you have a conscience?

Fourth, I really want to say that insurance can't make you rich is not pie in the sky, please feel that you can resist the risk, it doesn't matter if you buy insurance or not, let it be given to the people who can't resist the risk.

1. The dividend will be announced every year, and individuals cannot calculate the formula.

2. Surrender beyond the hesitation period is not called liquidated damages, and the refund is the cash value, which is how much the policy is worth at this moment.

Purchased at the age of 28 and expired at the age of 49, which is the period of high incidence of serious illness, and it is not good to have insurance at this time, so it is recommended to buy insurance until the age of 80 or whole life.

Hello! If you surrender the policy halfway, the loss will definitely be very large, and the insurance is also a mandatory savings. Dividends are uncertain, some are high and some are low It is inevitable Personally, I think if you want to buy protection, why not buy a guarantee until you are 80 years old?

You are only 28 years old now, and once the 20-year insurance period has passed, and if you want to buy it at the age of 48, the premium will be very expensive I wish you all the best.

First of all, buy insurance to choose a relatively large company, such as Ping An, life insurance, large companies are guaranteed, and dividends are relatively high, secondly, pay 10 years of insurance for 20 years, why not do lifelong insurance, Ping An has a called, universal insurance, annual payment of 6000 yuan, at least 10 years, death compensation of at least 150,000, critical illness 120,000, accidental disability 100,000, accident 250,000, accidental medical treatment above 10000 below 10,000 full report, you are now 30 years old, if the company can underwrite, When you retire at the age of 60, you can use the principal + interest as a pension subsidy.

Hello, friend. I personally recommend that you do not buy this product. This is an online product, what do you like about it?

Do I pay monthly? If you fancy this, you can refer to Ping An's Xinxiang and Xinsheng. Pay the full amount in the first year, and you can change to monthly payment in the second year.

Hello, you are 28 years old this year, and you will be 48 years old in 20 years, and you will definitely not be able to buy the same critical illness insurance amount with the same money. It is recommended to choose a lifelong protection type.

Telemarketing channels, both insurance. The protection is still tailor-made.

Huaxia's insurance does not recommend that you take out insurance, the reputation is very bad, and the liquidated damages this time are really high, and it feels not cost-effective.

First of all, buy insurance to choose a relatively large company, such as Ping An, life insurance, large companies are guaranteed, and dividends are relatively high, secondly, pay 10 years of insurance for 20 years, why not do lifelong insurance, Ping An has a called, universal insurance, annual payment of 6000 yuan, at least 10 years, death compensation of at least 150,000, critical illness 120,000, accidental disability 100,000, accident 250,000, accidental medical treatment above 10000 below 10,000 full report, you are now 30 years old, if the company can underwrite, When you retire at the age of 60, you can use the principal + interest as a pension subsidy.

Except for products that are returned at the end of 10 years, it is difficult to protect the principal of ordinary insurance products for 10 years.

Platinum Bottle Dual Insurance is a 20-year term insurance product. Why would you choose such a short coverage? Whether it is savings and dividend insurance, or health protection for critical illnesses, you must choose a lifelong one.

Pay the fee for a while, and guarantee it for a lifetime. This is only 20 years of protection, but what about 20 years later? If you buy another insurance, but you are 44 years old at that time, regardless of the premium, the coverage is not the cost of 24 years old, it is much more expensive.

It means that you finally paid money to make an insurance, but after 20 years, it was zero, and you had to re-insure, then your losses would be great. If it is a lifelong guarantee, it is a time period when dividends will accelerate and increase after more than ten or twenty years. And the regular giving was terminated.

It's not worth it. Don't sign this contract, even if it is cheap, it is meaningless, not to mention that the premium may not be cheap.

The advantage is that there is both protection and income, and the disadvantage is that insurance is not like insurance and financial management is not like financial management, and the two are unreliable.

Hello, this is a critical illness insurance, which was launched by Huaxia Life Insurance Co., Ltd. ****. According to the annual premium income in 2011, Huaxia Insurance ranked about 20 among 63 life insurance companies, and is a medium and large insurance company. The advantage of ChinaAMC Platinum Bottle Insurance is that the scope of critical illness is larger, including 35 types of critical illness, and the general insurance products include 25 to 40 types of critical illness, and 35 types of insurance are still considered to have a large coverage range.

The disadvantage or feature is that the payment method and the guarantee period have been fixed, that is, 10 years of payment and 20 years of protection. The high incidence period of critical illness is 45-65 years old, so for children and young people not more than 25 years old, this insurance can only cover up to the age of 45, and the insurance may just expire, and a major illness will occur. Therefore, this insurance is more suitable for middle-aged and elderly people.

It is better for young people to choose a product with a lifetime coverage period or at least until the age of 65, and compare insurance. On the basis of protection, this insurance returns the principal and dividends at maturity, which is an insurance with a financial nature. Here is some information about the product for your reference:

Product Type: Main Insurance Company: Huaxia Life Insurance Shares****Payment Method:

Annual payment insurance type: Critical illness insurance issue age: 0--501

You only need to pay for 10 years, you can enjoy up to 20 years of comprehensive protection: short payment period, long protection period, enjoy high critical illness protection within the year, covering 35 kinds of high-incidence critical diseases, comprehensive care for the health of you and your family, double compensation for cancer during the year, free from the pressure of high medical expenses, annual life insurance protection, in case of misfortune and total disability, so that the family has no worries about health and safety during the year, and the principal is returned in full6Enjoy a fixed income of 10% on 7

Enjoy compound interest dividends every year8Coverage amount: 18-50 years old can apply for up to 500,000 yuan (1 million for cancer), 0-17 years old can apply for up to 100,000 yuan (200,000 for cancer) 9Premiums, fixed income, and dividends are fully tax-deductible10

The insurance procedure is simple, the way to join is flexible, and there is no need for medical examination insurance liability During the validity period of this contract, we shall bear the insurance liability in accordance with the following agreements: Death insurance benefit If the insured dies, we will pay the death insurance benefit according to the greater of the following two items, and this contract and its additional contracts will be terminated at the same time: (1) The insured amount specified in this contract at the time of the insured's death; (2) The insurance premium paid at the time of the insured's death (excluding interest.

Xinhua Xiangrui Life is very suitable for health protection and can be consulted if necessary.

New China Insurance ranks third in the country.

Xueba talks about insurance, focusing on insurance product evaluation! How about Huaxia Insurance, is it worth buying? This article will take you to understand the most real Huaxia Insurance:"I don't know if I don't see it, there are still a lot of routines in Huaxia Life".

Founded in December 2006 with a registered capital of 15.3 billion yuan, Huaxia Insurance is a national, joint-stock life insurance company.

1. How about Huaxia Insurance

In July 2019, Huaxia Insurance ranked 442nd on the Fortune Global 500 list.

China Life's annual premium income in 2019 was 100 million yuan, accounting for the market share of life insurance, and ranking fourth in China in terms of premium income, second only to China Life, Ping An and Pacific.

In general, China Life Insurance has abundant funds, high public recognition, and leverage.

2. Solvency of China Life

Solvency represents the insurance company's ability to settle claims, is a basic indicator to measure the financial status of the insurance company, the higher the solvency means that the insurance company's financial situation is more stable, and the less likely the insurance company will fail.

The comprehensive solvency of X09 in the first quarter of 2020 was a comprehensive risk rating of A, far exceeding the passing mark set by the China Banking and Insurance Regulatory Commission (CBIRC), and the performance was excellent. In addition to China Life Insurance, let's take a look at what are the companies with high solvency in 2020:Which of the top 10 insurers in solvency in 2020 is better?

3. What is the product introduction of China Life Insurance?

Huaxia Insurance is mainly engaged in life insurance, health insurance, accident insurance and other life insurance business, and the more popular products are: Evergain, Healthy Life, Fu Linmen, etc., I can see this picture when I sort it out:

Is Huaxia Insurance worth buying? It can't be generalized, it is necessary to analyze through the product, taking its popular critical illness insurance "Evergain Series" as an example, although the protection is comprehensive, but the cost performance is low, you can see this article for a detailed evaluation of Evergain"It's said on the Internet that Huaxia's evergain is not good, is it true?

Many people want to know whether Huaxia's annuity insurance is worth buying, take the main "Fulinmen" as an example, read this"How about the income of Huaxia Fulinmen annuity insurance, is it worth buying? 》Hope!