Is China Pacific Life Insurance Hongfa good every year

Founded in 1991, Pacific Insurance Company is a senior insurance company and has been selected as one of the world's top 500 companies for eight consecutive years. Regarding the evaluation of Pacific Insurance Company, there are three main questions:

1.Are Pacific Insurance's products worth buying?

Pacific Insurance's best-selling products include Jinfu Life, Jinyou Life, Jinnuo Life, Children's Super Treasure Fuyou Ankang, etc., and the detailed interpretation of the above products is compiled in this article:"Seven products worth buying in Pacific Insurance in 2020".

Hope it helps.

2.Is the service level of CPIC high?

The China Banking and Insurance Regulatory Commission (CBIRC) rates insurance companies based on their claims service, complaint rate, business processing speed and other indicators, with the highest grade being AAA and the lowest being D, in order to give consumers a standard.

Let's take a look at Pacific Life's service ratings:

3.Is Pacific Insurance reliable?

I will ask friends who are unreliable in insurance companies, probably because they are worried about the difficulty of making insurance claims. This is easy to do, the more reliable the company, the higher it must be in the ranking of the same industry. I vomited blood before I sorted out a following:

The latest version of the top 10 insurance company list!

You can look at which companies go beyond the Pacific.

That's all for me"Is China Pacific Life Insurance Hongfa good every year"All, look!

Hello! Advantages of China Pacific Life Insurance Hongfa Niannian: 1. Hongfa Niannian is the most advanced and humanized insurance in the market.

All the financial needs of customers are taken into account. Buying insurance should also talk about brand and quality. After all, Pacific is one of the world's top 500 companies, and its product design is atmospheric, practical, preferential and forward-looking!

2. Hongfa is similar to regular investment every year**, but with tax exemption fees and guaranteed commitments! Customers buy with confidence. 3. The investment channel is different from the mortgage or loan that invests in ** or bonds and bank savings, and is a portfolio based on safety, including large-scale infrastructure projects of the country.

4. The quality of the national joint warranty products purchased in any location is the same, and the income is the same, and there is no geographical difference. The service is also a joint warranty of more than 6,000 outlets across the country. 5. Enjoy domestic and international emergency rescue services, and when you need it most, the Pacific Ocean will be the first to appear by your side!

For more information, please consult me, add QQ or call to chat, wish: happy family!

Hello, there is no good or bad product, as long as it is suitable or not, see what your needs are, and then design a reasonable product according to your actual situation and needs.

Hello, if you want to manage your pension or something, it is very suitable, you can click on my avatar for details.

Hello, this is a collection of investment and wealth management in one of the products, with the function of traditional financial products, but also has the investment effect of universal insurance, and unlike the traditional universal insurance handling fee, more realistically, you can also choose 60, 65, 70, 75, 80 years old, receive the principal, and the contract is not terminated. , please click to contact me.

If you have a stable income and don't have a good investment channel, this product is still quite suitable.

But still pay attention to whether your needs are consistent with this product.

The sum insured is determined based on the premiums you pay every year.

Hongfa's annual rate increases with age, which means that the younger the age, the more cost-effective it is.

The specific data is not clear, if possible, you can find Hongfa's annual plan to see, or find a professional around you to explain it to you! ^_

Hongfa annual simple plan.

Brother Bao said insurance, focus on insurance evaluation! Recently, many friends have been asking questions about the Hongfa Nian Nian of Pacific Insurance, so I have written an article specifically about Hongfa Nian Nian. If you are interested, you can take a look at Is China Pacific Life good?

What insurance is recommended?

Hongfa Nian Nian is a participating insurance, which is different from savings deposits, so there is uncertainty in its returns; In order to allow the subject to have an in-depth understanding of this product, I have also sorted out the details of this product as follows.

This Pacific Hongfa Nian Nian is a comprehensive insurance (participating type), which not only includes financial management functions, but also includes the protection function of accidental death or total disability.

Let's take a look at the general coverage.

This product is 10,000 yuan per copy, you can buy multiple copies, and the payment period can also be selected as 3 years, 5 years, 10 years, 20 years, and the protection period is lifelong, let's analyze the advantages and disadvantages.

Pros:1The blessing money can be received every year and will last for life.

You can receive a blessing every year for the rest of your life. It is enough to meet the long-term investment needs of most people.

2.All premiums can be refunded when you receive a life payment.

In addition to receiving the blessing money every year, you can also choose to receive a life benefit equal to the premium paid at a specific age, and the special annuity conversion function can convert the policy dividend into a specific annuity, which can make the consumer's life more comfortable in old age.

3.Death or total disability benefits give people peace of mind.

This product provides both death and total disability protection, depending on the appropriate amount of benefits paid from the premium paid or cash account.

Cons: 1The policy dividend income of this product is not clear, we do not know how much, and it is all determined by the insurance company.

2.For us, the flow of funds is not flexible enough, except for the blessing money, the money deposited in the account cannot be withdrawn, what if the cash is withdrawn by surrendering the policy? This will charge a lot of intermediate fees, which is a loss.

3.The value-added of products is relatively slow, and it will be reflected in old age, and the benefits in the early stage are not obvious.

Advantages: 1. You can receive the blessing judgment and merger every year, and you can receive the blessing money every year for life, and it will last for life.

For most people, the need for financial investment is sufficient.

2. In addition to the survival insurance that can be received every year, consumers who have purchased Hongfa can receive a life pension, the amount of birthday pension is equivalent to the total amount of premiums paid, and at the same time, this product will also provide the function of annuity conversion, which can not only ensure the safety of consumer funds, but also ensure that the quality of life of the elderly is maintained at a higher level than before, and improve the quality of life.

3. Death or total disability protection makes people have no worriesThis product provides both death and total disability protection, and the appropriate amount of compensation can be selected from the paid premium or cash account according to the situation.

Disadvantages: 1. There will be policy dividend income from the insurance company, but we don't know how much, it is decided by the insurance company.

2. For us, the flow of funds is not flexible enough, except for the blessing money, the money deposited in the account cannot be withdrawn, and if you withdraw cash by surrendering the insurance, you will directly lose a lot of money.

3. The visible benefits are mainly reflected in the later stage, and they are only reflected after old age, and the early stage is not obvious in terms of both protection function and financial management function.

Summary. 3. The age of receiving the birthday pension can be set at the 5 time nodes of or 80 years old, and one of the nodes can be selected as the beginning of receiving the birthday pension when applying for insurance. The pension can only be received once, and the total premium paid can be paid, and the time for receiving the pension can be decided according to the individual's circumstances.

Hello, dear, I'm honored to answer your questions, I'm the <> of Wenqutang Financial Research

Hello, Pacific Insurance Hongfa annual life payment methods are: 5 years and 10 years, thank you.

The specific analysis of the protection content is as follows: 1. Death If the insured dies or is totally disabled before the payment of the life pension, the total amount of insurance premiums paid or the cash value is greater; If the insured person dies or becomes totally disabled after the life benefit is paid, the insurance will be paid according to the cash value.

2. If the children's education reserve fund is insured before the age of 18, 9% of the insured amount will be received every year, and it will be received once a year until the age of 18 expires; If you are 18 years old, you can only claim it once. This kind of children's education savings is more suitable for those who have children at home and are relatively young. The younger you are, the more times you can receive it, and the more money you will receive!

3. The age of receiving the longevity pension can be set at the 5 time nodes of the lack of Li or 80 years old, and one of the nodes can be selected as the beginning of receiving the birthday pension when applying for insurance. The pension can only be received once, and the total premium paid can be paid, and the time for receiving the pension can be decided according to the individual's circumstances.

4. The blessing money is available early after the policy takes effect, and once a year, the insurance company will pay the blessing money according to 9% of the basic sum insured. If the insured amount of 10,000 yuan is purchased, then the blessing payment can be 10,000 times 9% equal to 900 yuan, and the insured can receive 900 yuan of blessing money every year.

Summary. There is no way to get an accurate return, it depends on age, years of contributions, cash value, etc.

What is the specific content of China Pacific Insurance's "Hongfa Niannian" insurance? How is the total subsistence benefit derived? How to calculate it exactly.

There is no way to get an accurate return, it depends on age, years of contributions, cash value, etc.

The guaranteed benefits are: an annual blessing of 1,333 yuan, which will be returned to the universal account when the policy takes effect. It will be returned on the effective date of the mid-life policy for each subsequent year.

There is also an uncertain stuffy mountain bonus, and the child will return the life allowance (total premium) to the age of 60, which is as follows

I entered Hongfa every year in 2011, pay 40,000 yuan a year, pay off in three years, at that time I was 29 weeks blind friends, I want to ask what is the basic insurance amount? How much is the cash value when I am ten years old?

You need to consult the staff of the Pacific Ocean for details, even if I calculate it for you, the answer is not official, and it cannot be counted, please understand.

Summary. Pacific Hongfa is for 0-18 years old every year, paying 20,000 yuan per year and paying for ten years; Give Yuan blessing money every year until life; Within the age of 18, the annual yuan is given as an education fund; According to the agreed age of 80 years old, you can get a lump sum refund of the premium paid as a life expectancy.

Hello dear. We're happy to answer for you!

Pacific Insurance's Hongfa cannot return 4,000 cash after paying for ten years, nor can it return the principal after paying for 10 years.

Taipi Ping Ran smiled and buried Yang Hongfa every year is a whole life insurance, not a 10-year period, not a full 10-year return of the principal, the principal can only be received in the year you stipulate to receive the birthday pension, can not be refunded, if you want to return the principal, you can only go to the form of Shengzen surrender, and only the cash value can be refunded.

Pacific Hongfa is for 0-18 years old every year, paying 20,000 yuan per year and paying for ten years; Give Yuan blessing money every year, and accompany the rotten until life; Within the age of 18, the annual yuan is given as an education fund; According to the agreed age of 80 years old, let the delay in a lump sum receive back the premium paid as a life expectation.