China Post Fuyu No. 3 Insurance Participating Type

Fu Fu Yu No. 3 Mutual Insurance Participating Type is a product of China Post Life Insurance, which includes maturity insurance benefits, death total disability insurance benefits, accidental death total disability insurance benefits and traffic accident death total disability insurance benefits.

Is it worth buying China Post Fortune Fortune Jia No. 3 Comprehensive Insurance (Dividend)? I don't think so!

1.Single duration of coverage.

The protection period of the participating type of Fuyuyu No. 3 Insurance is 6 years, and there is only one option, which shows that this product is a comprehensive insurance that is biased towards short-term protection.

Compared with the same type of products on the market that have 3 or 4 types of protection period options, the protection period choice of Fuyuyu No. 3 insurance dividend type is indeed a bit single, and if there are more long-term protection partners who want to insure this product, they may not be able to meet their protection needs!

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

2.Humanize the content of the guarantee.

The benefits of the participating type of Fortune Surplus No. 3 Insurance include Maturity Benefit, Death Total Disability Benefit, Accidental Death Total Disability Benefit, and Traffic Accident Death Total Disability Benefit.

You should know that not all insurance coverage will be so comprehensive, and some products only have maturity insurance benefits and death total disability insurance benefits, and will not set up such humanized protection as accidental death total disability insurance benefits and traffic accident death total disability insurance benefits.

But how many excellent dual-life insurance companies are on the market? Like these:

The ranking of both insurance dividends is newly released! Is there one you like?

How this insurance can not be generalized, each insurance has its own value and significance, but it is not suitable for everyone, it is recommended that you better combine the actual situation of the insured and then combine the specific type of insurance to compare the choice, buy the right insurance is good.

China Post Fortune Surplus Wealth Jia A Dual Insurance (Participating Type) is a participating insurance, but this product has been discontinued.

In order to let everyone understand what participating insurance is, the senior sister selected a product on sale in the China Post Surplus Wealth Jia series - China Post Surplus Wealth Jia C Dual Insurance (Dividend) to briefly evaluate it.

The senior sister first presented the protection chart of China Post Rich Surplus Wealth Jia C Insurance (Participating Type):

As can be seen from the above figure, in terms of insurance liability, China Post Rich Surplus Wealth Jia C both insurance (dividend) not only includes maturity insurance, death total disability insurance, but also other rights and interests - policy dividends, etc., Shanlu teased the senior sister to focus on the policy dividend.

Consumers can enjoy the right to dividend distribution after purchasing China Post Surplus Wealth Plus C Insurance (Participating Type) to receive dividends.

As we all know, the operating conditions will be affected by many factors, and even large insurance companies cannot guarantee that they will be profitable every year.

Therefore, insurance companies cannot guarantee that there will be dividends every year, nor can they inform consumers of the amount of dividends in advance.

This is a common feature of participating insurance, and if you mind this, you should consider it carefully.

It is a participating insurance, this product is a participating insurance, and the amount of its dividend distribution is uncertain, not guaranteed, and may be zero in some years. During the insurance liability period, in accordance with the relevant regulations of the insurance regulatory authority, the company will determine the dividend distribution plan every year according to the actual operating conditions of the participating insurance business. The company will send you a dividend notice for each fiscal year, informing you of the details of the dividend.

Further information: 1. China Post Life Insurance Co., Ltd. **** (hereinafter referred to as China Post Life) is China Post Group.

It is a state-owned state-owned life insurance company jointly established with 20 provincial (autonomous regional, municipal) postal companies. The company is headquartered in Beijing, China, with registered capital.

21.5 billion yuan. The company's business scope is: life insurance, health insurance, accident insurance.

and other life insurance business; reinsurance business for the above businesses; National laws and regulations.

Permitted insurance fund application business; Other businesses approved by the China Insurance Regulatory Commission.

2. The role of the company: The establishment of China Post Life Insurance Co., Ltd. is essential for the integration of postal resources and the deepening of the postal "three rural".

The connotation is of great strategic importance. It will play a positive role in expanding insurance coverage and promoting the balanced development of urban and rural insurance industries. It will also be built for the construction of a new socialist countryside.

and contribute to the construction of a harmonious socialist society.

3. The future development of China Post Life Insurance will fully rely on the unique resource advantages of China Post. It is understood that China Post has 10,000 service outlets across the country, including more than 40,000 service outlets at the county level and below, more than 240,000 postal service rolling stations for agriculture, rural areas and farmers, and more than 140,000 postal delivery personnel; At the same time, China Post also has more than 10 years of experience in the insurance business. In 2008, the premium income of the postal insurance business reached 80.9 billion yuan, ranking in the postal bank.

**The first of the channels. In addition, according to the survey, postal insurance has a long history in Japan and abroad. Around 1935, the postal department at that time opened a simple insurance business. At present, the development of postal simple insurance business in Japan, South Korea and Taiwan is very successful.

Senior sister first gave you an answer: China Post Rich Surplus No. 3 Comprehensive Insurance (Participating Type) is a comprehensive insurance product underwritten by China Post Life, which is a reliable insurance product. Its underwriting company, China Post Life Insurance, is a legal and formal insurance company, and even if the company goes bankrupt, the China Banking and Insurance Regulatory Commission has taken measures to protect the rights and interests of the policy.

As long as the compensation conditions stipulated in the contract are met, the compensation can basically be obtained smoothly. So rest assured, this is a reliable insurance product.

How about China Post Life? Is the product worth buying?

Next, in order to make a stove, the senior sister will briefly explain this comprehensive insurance product.

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

There are four types of coverage for this product: maturity benefit, death and total disability benefit, accidental death and total disability benefit, and traffic accident death and total disability benefit.

I believe that friends who are familiar with insurance can easily understand the maturity insurance premium. If the insured is still alive and eligible after the expiration of the insurance period, the insurance company will pay the insurance benefits in accordance with the contract.

The most noteworthy thing about this insurance plan is the other three benefits. From the calculation method in the insurance chart, we can see that the compensation of "accidental death and total disability insurance benefit" and "traffic accident death and total disability insurance benefit" is still increased compared with "death and total disability insurance benefit".

It can be seen that this insurance has intimate and humanized care for the death of accidental injuries and traffic accidents, and is suitable for people who often run around on the road.

In general, China Post Fortune Surplus No. 3 Endowment Insurance (Participating Type) is a reliable insurance.

However, the senior sister reminds everyone that if the insured unfortunately suffers from a critical illness during the insurance protection period, this insurance will not be able to play its role. Because both insurance products protect life and death, not health. Therefore, the senior sister suggests that you first configure health insurance for yourself and your family, and then purchase both insurance on the premise of having sufficient protection!

After reading it, you will know whether China Post Life Insurance is good or not!

In the event of death due to illness, the sum insured for claims exceeding 180 days will not exceed the refund of the premium.

Accidental Death Benefit Sum Insured.

In the event of death in a traffic accident, the sum insured is three times the sum insured.

You can see how much you can claim by looking at the sum assured of the policy.

Will I be entitled to compensation if the policyholder dies 8 months before the contract expires?

Summary. China Post Surplus Wealth Jia C Mutual Insurance (Participating) 2022 Advantages:

1.Funds are returned quickly and at once.

China Post Surplus Wealth Jia C Dual Insurance (Dividend) is a short-term fast-return annuity insurance, which can return the invested principal + income in 5 years at the earliest.

2.Flexible coverage options.

China Post Surplus Wealth Jia C Both Insurance (Participating Type) can choose a variety of protection period combinations according to different age groups:

If the insured person is between 30 days old and 60 years old, you can choose to pay 3 years for 5 years or 3 years for 6 years.

If you are between 30 days and 50 years old, you can choose to pay 3 years for 10 years or 5 years for 10 years.

3.The death benefit is reasonable.

China Post Fortune Surplus Wealth C Dual Insurance (Participating Type) is also in place for the protection of the insured's death and total disability, and there are four different compensation standards according to the age of the insured in the accident, and the premium of the compensation is different.

Hope it helps you and have a great day! Please give a thumbs up!

China Post Rich Surplus Wealth Jia C both insurance dividends.

China Post Surplus Wealth Jia C Dual Insurance (Participating) 2022 Advantages: 1One-time quick return of funds, China Post Rich Surplus Wealth Jia C Both Insurance (Dividend) is a short-term quick return annuity insurance, which can return the invested principal + income in 5 years at the earliest.

2.Optional protection scheme: Flexible China Post Wealth Blind Surplus Wealth Plus C Dual Insurance (Participating Type) can choose a variety of protection period combinations according to different age groups: the insured is born between 30 days and 60 years old, and can choose to pay 3 years for 5 years or 3 years for 6 years; If the insured person is between 30 days old and 50 years old, you can choose to pay 3 years for 10 years or 5 years for 10 years.

3.The death compensation is reasonable, and the insurance for the death and total disability of the insured is also relatively in place, and there are four different compensation standards according to the age of the insured in the accident, and the premium of the compensation rate is different. Hope it helps you and have a great day!

Please give a thumbs up!

You can return the principal at the end of 5 years, right?

Hello, it is 3 years of payment. If there is only no income on the principal, there will be no dividends when it is paid off in 5 years at a time.

There will be income in 5 years, and the income will not be high, and there will be normal income after 5 years

Dear, hello, China Post Fuyu No. 3 Both Insurance Shibu This product is a product that has been paid for 6 years and guaranteed for 6 years. After the expiration of the payment period, it will be collected in a lump sum. The company will put the principal and income in full into the bank card when purchasing the insurance.

Suppose a 30-year-old man buys this product for himself, and at the age of 36, he will receive a one-time payment of 61,920 yuan.

Summary. China Post Fortune Fortune A Dual Insurance (Dividend) is a participating insurance, and the income is not fixed. If the insurance does not expire, only the cash value of the insurance will be refunded, and the fee (principal) paid is not high.

What kind of insurance is China Post Surplus Wealth Jia A (Participating)?

China Post Surplus Wealth Jia A Dual Insurance (High Answer Dividend) is a participating insurance, and the income is not fixed. If the insurance does not expire, only Qi Socks Hui can refund the cash value of the insurance, and Haotong does not pay a high fee (principal).

China Post Surplus Wealth Jia A Dual Insurance (High Answer Dividend) is a participating insurance, and the income is not fixed. If the insurance does not expire, only Qi Socks Hui can refund the cash value of the insurance, and Haotong does not pay a high fee (principal).

China Post Rich Surplus is a **, don't buy, buy regret early refund, the interest on the deposit is not at all high in the bank's regular term.

Xueba talks about insurance, focusing on insurance evaluation! The comparison table between the 35 participating insurance products and the mainstream 1010 critical illness insurance products in 2020 is hereComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in ChinaParticipating insurance refers to the life insurance products in which the insurance company distributes its actual experience results to policyholders in a certain proportion compared to the surplus assumed by pricing, taking into account both protection and financial management, which is the characteristic of participating insurance.

For a long time, dividend insurance with its "protection + income" characteristics by consumers love, for troublesome customers, buy an insurance accident compensation, nothing can also return dividends, why not? But that's not the case, "dividends" sounds simple, but I've met friends who hold dividend insurance, no one gets the expected returns.

A big part of the reason is that consumers have not carefully understood the participating insurance

First, there is uncertainty about how much policy dividends can be distributed.

Second, the dividend pool is not transparent.

These two characteristics of participating insurance make the real benefits that customers can get an unknown, and because of this, participating insurance has become the insurance with more consumer complaints, and the reasons are in this articleWhy is the dividend insurance frequently complained?! If you are interested, you can learn about it.

The income and dividend methods of participating insurance are extremely complex, and even insurance practitioners are difficult to do, so as a novice, don't challenge such a high degree of difficulty!