Inquire about China Life Hongfu Insurance, what is the content of China Life 99 Hongfu Insurance

I also bought this insurance, and I've almost figured it out now! I'm sorry, I'm not a professional, so I'm only going to put myself in our shoes to clarify this issue, and maybe we can all understand it that way!

We can't pay too much attention to dividends, this type of insurance is launched by the bank, which is more secure!

You can get an interest at maturity, and during these years, you can enjoy disability insurance, accident insurance, and in addition, a dividend!

At the beginning, I also regretted a little that I bought the wrong one, but now, I think it's still good, just save money, there is no risk at the same time, you can also enjoy protection!

If you surrender the policy now, you will only receive 80% of the principal, that is, you will have to pay 2,000 yuan for your impulsiveness!

The contents of China Life 99 Hongfu Insurance are: survival insurance benefit and death benefit.

Survival insurance money: During the insurance period, if the insured can survive until the corresponding date of the annual effective date of each three anniversaries, the insurance company will pay 10% of the sum insured.

To pay a survival insurance benefit, simply put, the insured can get a sum of money from the insurance company every three years; Death benefit: China Life 99 Hongfu Insurance can protect the insured until death, and the claim will be made according to the sum insured, and the contract will be terminated after the claim is settled.

99 Hongfu Insurance can be used as a financial investment under normal circumstances, and in the event of an accident, it can also be covered with a high amount of compensation in the first bank. In one fell swoop, the dilemma of "use" and "storage" is solved. Low investment, quick results, one policy, two generations benefit.

The subsistence benefit is provided once every three years, and the longer you live, the more you receive until your death, after which you can leave it to the next generation.

Chinese life. The content of 99 Hongfu's old-age security is: survival security and death security.

Survival Benefit: During the benefit period, if the insured can survive until the effective date of each 3rd anniversary, the insurance company will pay the sum insured.

10% of the benefits are paid to the survival insurance. To put it simply, the policyholder can get a sum of money from the insurance company every three years; Death benefit: Chinese Life 99 Hongfu Pension Insurance can protect the insured until death, and make claims according to the sum insured, and the contract is terminated after the nucleus.

9. Hongfu Insurance can be used as a financial investment in general, and it can also be used as a high compensation in case of an accident. In one fell swoop, the dilemma of "use" and "existence" was solved. The investment is small, the results are fast, and two generations benefit from one political ruin.

The survival benefit is provided every three years, and the longer you live, the more you give, until you die, and the compensation can be passed on to the next generation.

The contents of the national lease Qin Shou 99 Hongfu insurance are as follows:

1.Survival insurance benefit: From the effective date of the insurance contract, the insured survives to the corresponding date of the effective date of each third anniversary, and the insurance company can pay the survival insurance benefit at the rate of 6% of the sum insured stipulated in the policy.

A 30-year-old man applies for China Life 99 Hongfu Insurance, with an insured amount of 300,000 yuan, and pays a premium for 20 years, with an annual premium of 18,300 yuan, and can return 10,000 yuan every year. If only the return of the survival insurance money is considered, it will take 61 years to return;

2.Death insurance benefit: If the insured dies during the warranty period, the insurance company can pay the death insurance benefit according to the insured amount stipulated in the policy, and terminate the guarantee at the same time.

China Life 99 Hongfu Liangquan Insurance is a kind of dual insurance of Chinese Life Insurance Company. People between the ages of 6 months and 60 years can take out a lifetime insurance. Policyholders can choose whether to pay premiums separately or over 10 or 20 years.

Once the premium is paid, they can enjoy lifetime coverage.

The cash value of a policy refers to the value of a life insurance policy with a savings nature. Insurers usually set aside liability reserves for the performance of contractual obligations, and if you surrender the policy in the middle of the policy, the liability reserve of the policy will be used as a refund for the payment of termination. The amount that should be reimbursed by the life insurance company when the insured requests to terminate or surrender the policy.

In long-term life insurance contracts, the insurer is usually required to deposit a certain amount of liability reserve in order to fulfill its contractual obligations. When the insured requests to terminate or surrender the policy for any reason within the validity period of the insurance, the insurer shall refund to the insured the balance of the deposit of the liability reserve minus the difference after the cancellation deduction, and this part of the balance is the termination payment, that is, the cash value of the policy at the time of surrender.

In life insurance, due to the long payment period, as the age of the insured increases, the possibility of death will be higher and higher, and the insurance rate will inevitably gradually rise until it is close to 100%, such a rate is not only difficult for the policyholder to bear, but also the insurance has lost its meaning.

When the insured is young, the probability of death is low, and the policyholder pays more premiums than they actually need, and the overpaid premiums will be accumulated by the insurance company year by year. When the insured is old, the probability of death is high, and the premium paid by the policyholder in the current period is not enough to pay the current claim, and the shortfall will be made up by the overpaid premium paid by the insured when he was young. This part of the overpaid premium, together with the interest accrued therein, is accumulated every year, which is the cash value of the policy, which is equivalent to a kind of savings of the policyholder in the insurance company.

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

China Life 99 Hongfu Liangquan Insurance is a comprehensive insurance of Chinese Life Insurance Company, and the so-called dual insurance means that if the insured dies during the period agreed in the insurance contract, or survives safely within the period agreed in the insurance contract, the insurance company can pay a sum of insurance money in accordance with the insurance cover agreement.

China Life 99 Hongfu Insurance is limited to people born between 6 months and 60 years old, and can be insured for life, and its main benefits are as follows:

1.Survival insurance money: From the effective date of the insurance contract, if the insured survives safely until the corresponding date of the third anniversary, the insurance company can pay the survival insurance benefit according to 10% of the sum insured agreed in the insurance contract

2.Death insurance: If the insured dies during the guarantee period, the insurance company can pay the death insurance benefit according to the sum insured stipulated in the policy, and the guarantee is terminated.

Generally speaking, policyholders can choose their own premium payment methods when applying for China Life 99 Hongfu Insurance, including single payment verification and regular payment. If you choose to pay in installments, it can also be divided into 10 or 20 years.