Can Huaxia Fortune No. 1 Universal Insurance Universal B be taken out at the end of two years?

Xueba talks about insurance, focusing on insurance evaluation! If you want to know how a company is, the main thing is to look at its products. Here is a comparison table for you, and you will know after reading it"Super Complete! A big comparison of 136 popular critical illness insurances in China

Huaxia is a company established with the approval of the China Banking and Insurance Regulatory Commission and has very strong strength. The company is mainly engaged in annuity insurance, critical illness insurance and life insurance, and has launched a series of products such as Evergain and Fulinmen.

In order to better understand this company, let's analyze one of the company's main products: Evergain Multiple Edition (see the picture on the right).

Evergain Multi Edition is a multi-claim critical illness insurance with lifelong protection and critical illness grouping.

The advantages of this product are:

1. Comprehensive protection: Critical illness, moderate illness and mild illness have relatively complete protection.

2. The time interval between multiple claims for critical illness is short, and it only takes 180 days to be able to claim again.

3. There is a more reasonable disease grouping, and the high-incidence disease - malignant tumor is listed as a separate group, which improves the probability of multiple claims.

Although this product has good advantages, it is undeniable that it still has certain flaws. It's a very big problem. 12,090 yuan, not all families can afford this.

I have to say that its leverage is really low, and the maximum payment period is only 20 years.

Due to the word limit, I won't analyze its shortcomings in detail here, so if you're interested, click on the original article to view it:"It's said on the Internet that Chinese evergreens are not good, is it true? 》

Overall, this product is still more suitable for people with a sufficient budget to buy.

If you don't have enough budget, you can take a look at this article:"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

Cost-effective critical illness insurance is here.

That's the end of the problem, I hope it will be useful to you.

As long as it expires, you can take it out completely. But the policy lapses.

It is estimated that there will be some losses in 2 years of the universal type.

Looking at the contract, some are not.

1. How to apply for maturity payment for Huaxia Fortune No. 1 Universal Insurance?

The applicant must fill in the insurance payment application form and provide the following information to the insurance company:

1. Insurance contract;

2. Valid identity document of the applicant;

3. Other certificates and materials related to this payment.

The insurance company will make an approval within 5 days after receiving the application for insurance payment and the information agreed in the contract; If the situation is complicated, a remorse review is to be made within 30 days. For insurance liability, the insurance company shall fulfill the obligation to pay the insurance money within 10 days after reaching an agreement with the beneficiary to pay the insurance money.

About both insurance, the salesman will definitely not tell you!

2. What is the protection content of Huaxia Fortune No. 1 Universal Insurance?

The universal protection liability of Huaxia Fortune No. 1 Insurance actually covers the maturity insurance benefit, the sickness death benefit and the accidental death benefit.

Among them, the accidental death insurance benefit can also be divided into two types: general accidental death and designated traffic accident death.

In addition, Huaxia Fortune No. 1 Insurance Universal also sets up a policy pledge loan interest, during the validity period of the contract, consumers can apply for a policy pledge loan from the insurance company, but the maximum loan amount is 80% of the cash value of the contract at the time of borrowing, and the maximum term of each loan is not more than 180 days.

Due to the length of the article, the senior sister will not continue to analyze, and friends who are interested in Fortune No. 1 comprehensive insurance can also learn about Huaxia Life's Fortune No. 1 comprehensive insurance Bi Leak D (universal type, upgraded version):

Huaxia Fortune No. 1 Insurance, which has a high guaranteed interest rate, still has these defects!

For example, if you want to get the maturity insurance money after the expiration of the insurance period, you need to submit the "Insurance Payment Application" and the information agreed in the insurance contract to the insurance company, and wait for the issuance after the insurance company approves it. For specific details, please consult the official website of China Life Insurance.

Regarding the content of universal insurance, interested silver blind friends can read this article on financial management with universal insurance, with stable and safe income? Doxxing universal insurance!

You can apply at the nearest company front desk, and you can bring the contract with you when you go. Identity card. Bank cards.

The teacher asks you to consult your ** person.

Insurance is not the same as savings, and there is no such thing as principal and interest.

If the insurance period is 5 years, then when you survive until the end of 5 years, you can get a "maturity payment", and the amount of this money will be stated in the contract.

Issuance. Subscriptions, gifts, direct mail.

Subscription: China Fortune has a stable subscription customer in North America and Chinese mainland.

Gift: Each issue of "Huaxia Fortune" will publish the magazine to "World**", "Sing Tao**", "Overseas Chinese Daily" and other Chinese** as a reference for exchanges; And in places where the audience of Chinese businessmen is concentrated, such as law firms, clinics, immigration companies, etc., they are placed and given away.

Direct mail: China Fortune will send the magazine to the target readers by direct mail on time for each issue.

The protection content of the universal type C of ChinaAMC Fortune No. 1 Insurance is also very simple, including maturity insurance and death insurance, as well as policy pledge loans and partially received rights. In addition, this product also sets up a universal account, which can achieve secondary value-added.

The following senior sister will introduce this product to you, in order to better understand the content behind, you can first take a look at this basic insurance knowledge: super complete! Everything you need to know about insurance is here.

3.The universal account has a low guaranteed interest rate.

Fortune No.1 Universal Insurance Type C provides a universal account, which can be used for wealth management to achieve secondary value-added.

However, the guaranteed interest rate of the universal account is a point that needs to be paid attention to, and the guaranteed interest rate of the universal C section of the Fortune One Dual Insurance is only, while the insurance company cannot guarantee the medium and high-end interest rates, and the guaranteed interest rate of some products on the market has reached 3%.

In general, the performance of the Fortune No. 1 universal insurance type C is average, it is recommended that you compare other products before making a decision, after all, there are many places to pay attention to when insuring both insurance, after reading this article, you will know: about the two insurance, the salesman will definitely not tell you something!

Pacific Insurance has a happy companion that can accompany you for a lifetime.

Hello dear, why don't you take a look at this product?

Hello: First: All insurance companies are supervised and supervised by the Insurance Commission of China, and at the same time are protected by law.

Second: Huaxia Life Insurance Co., Ltd. was established in 2006 and is headquartered in Beijing. Now the Chinese life insurance industry ranks fourth, with extremely rapid development, and the industry is called Huaxia speed.

Third: all product contracts are legally valid and protected by law, so they are reliable.

Absolutely. In the 2015 21st Century Asian Financial Institution Competitiveness Rankings, Huaxia Insurance Company won the "Most Wealth Management Insurance Company of the Year" award in the Asian Insurance Competitiveness Rankings.

Xinhua launched a healthy and worry-free lifelong guarantee.

Chinese Insurance launched Xinxiang Supreme on August 8, you deserve it.

Minsheng Life Insurance's Fugui Xinsheng has the best rate of return.

Not bad. Features:

1. Clear payment.

One-time delivery, simple and clear, easy for customers to understand, simple to sell.

2. The deadline is clear.

The insurance period is 3 years, which is clear and unambiguous, and the capital occupation period is short.

3. Safe and sound.

The contract specifies the basic amount of insurance.

4. Flexible funds.

When you need your money urgently, the loan amount can be up to 80% of the cash value, which can effectively alleviate your urgent needs.

5. Cash dividends.

This product is a participating insurance product, which allows you to share the operating results of the insurance company and participate in the distribution of the actual operating income of the participating insurance business while enjoying personal protection. The Company will determine the distribution of dividends based on the actual operation of the participating insurance business in the previous fiscal year. Dividends are non-guaranteed.

6. Worth protection.

For the main age group aged 18 to 40, the death sum assured is 160% of the premium paid.

Client: Mr. Hua, 30 years old.

Insurance product: Huaxia Fortune No. 1 Insurance Type F (Dividend).

Premium: $100,000 lump sum.

Basic insurance amount: RMB 108,100.

Policy benefit demonstration: Assuming that the dividend distribution during the insurance period is at the low, medium and high-end interest rate levels, and Mr. Hua does not have a policy pledge loan during the insurance period, the guaranteed benefit and dividend distribution demonstration are detailed in the table below.

The above presentation of benefits is based on the Company's actuarial and other assumptions and does not represent the Company's historical results of operations, nor does it represent expectations of the Company's future results of operations, and the distribution of dividends under the policy is uncertain and dividends may be zero in certain years.

Q: Can I receive a lump sum after the expiration of the guaranteed benefit?

"Accumulated Dividends" is the sum of the dividends assumed to be accumulated at the end of each policy year to the end of the policy year, and the dividend accumulation rate used in the illustration is the actual applicable dividend accumulation rate based on the interest rate determined by the Company at that time.

Cash Value, Current Year Dividends and Accumulated Dividends are all information at the end of the policy year.

Okay, this insurance is a product sold by Huaxia Insurance Company, you can call 95300 for more information and then buy.

Hello question, thanks!

Huaxia Fortune No. 1 Pension Insurance Universal Type F is a product that can protect life, and its protection content includes pension and death insurance benefits, and it also has the equity service of policy pledge loan.

Is Huaxia Insurance reliable? You need to know these precautions!

1.Analysis of insurance conditions.

Fortune No. 1 Pension Insurance (universal type, paragraph F) is a product that can protect the insured for life, and the insurance age range of this product is also relatively wide, which can be born and discharged from the hospital for 28 days to 70 years old (including 70 years old), that is to say, this product allows the elderly to be insured up to 70 years old.

You should know that there are many similar products on the market, and the maximum insurance age can only reach 65 or 70 years old.

In addition, the payment period of Fortune No. 1 pension insurance (universal type, paragraph F) is relatively simple, and only single payment is allowed.

What does it mean to have a single job? What are the benefits?

2.Safeguard Liability Analysis.

There are two types of protection content of Fortune No. 1 pension insurance (universal type, paragraph F), which are pension and death insurance, but the senior sister found that this product does not protect the total disability of the insured.

Nowadays, some pension insurance products will not only carry the above two protections, but also carry total disability insurance benefits, so that the protection of the insured is more comprehensive. In contrast, Fortune No. 1 pension insurance (universal, type F) will be less competitive than these products.

Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Hello, dear, happy to answer for you. The "low risk" and "high yield" characteristics of Huaxia Fortune No. 1 Annuity Insurance will greatly meet the family financial needs of customers, but enthusiastic consumers need to understand the insurance terms in detail when purchasing the product. It is reported that the terms of paragraph F of Huaxia Fortune No. 1 Annuity Insurance mainly include the insurance period, insurance age, hesitation period and policy pledge loan, let's take a look at the detailed introduction.

Insurance PeriodThe insurance period of this contract is 10 years, starting from 0:00 on the effective date of this contract. The insurance age refers to the age of the insured at the time of insurance, and the insurance age is calculated by one year, and the insurance age accepted in this contract is 0 years old (born and discharged from the hospital for 28 days) to 70 years old (including 70 years old). The terms of paragraph F of Huaxia Fortune No. 1 Annuity Insurance explain the hesitation period in detail.

1. The hesitation period shall be within 15 natural days from the date of receipt of this contract and the written receipt (including the 15th day, if the insurance regulatory authority has otherwise stipulated the number of days of the hesitation period, such provisions shall prevail), during which you are requested to carefully review the contents of this contract, especially the liability exemption clause, the contract termination clause and the truthful notice. If you think that this contract does not match your needs, you can terminate this contract during this period, and we will refund your insurance premium without interest after deducting the cost of production not exceeding 10 yuan. 2. When you propose to terminate the contract during the cooling-off period, you need to fill in the application form for termination of the contract, and provide the insurance contract and your valid identity document.

This contract shall be terminated as soon as we receive the application for termination, and we shall not be liable for insurance for insured events that occurred before the termination of the contract.

Hello! Fortune No. 1 Pension Insurance (Universal, Section F) can be attacked, retreated, and defended, which can not only meet the low-risk needs of risk-averse people, but also meet the high-yield financial needs of investors, solve the dilemma of asset allocation for you, and protect the value of wealth against the market. Specifically, the product not only has a low initial fee, only 2% of the premium paid, 98% of the funds are all into the universal account, rapid appreciation, and the guaranteed interest rate, the lowest is, and during the validity period of the contract, 80% of the cash value of the contract can be applied for policy borrowing, and the maximum loan period is not more than 180 days.

In addition, it encourages customers to hold for the long term. During the validity period of the contract, the company will issue a continuous bonus at 0:00 on the fifth policy anniversary at the rate of 2% of the one-time paid insurance premium, and the value of the insurance contract account will increase according to the continuous bonus issued.

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