What are the benefits of Pacific Insurance Hongxin Life to the insured pros and cons Thank you

Pros: One insurance for three generations. The first is to save money, you save a sum of money into it, and others take it to invest it, you have a regular interest and investment dividends, and you can get it back at the age of 70.

You can continue to receive interest and dividends after withdrawal. The profit will be higher than that of the bank, and the phenomenon of rolling interest in the later period will be clear after reading the plan. Guaranteed.

Disadvantages: It is long-term for children, and it will take at least ten years to see the shadow of the principal. And it is not as liquid as the bank, for example, if you are going to deposit 10w5 years in the bank today, you will say that you have to take it out if you want to buy a car next year, and you can take it out at any time.

However, this insurance is calculated on the basis of cash value, and the cash value in the early stage is very small, and the later period increases with the year. The main insurance is purely financial.

On February 6, 2012, I made 10 points of Hongxin Life Insurance (Participating) B and 10 points of Hongxin Life Double Care Critical Illness Insurance B in China Pacific Life Insurance Co., Ltd., totaling 6,700 yuan. The salesman dalw5229 said to me that there was a big inconsistency between what I said and the contract, and said; "As soon as the policy arrives, you will be given 900 yuan, and then 900 yuan will be given in the same year, that is, you can get 1,800 yuan in the first year. You can also borrow %80% from your insurance payment."

As a result, I couldn't get 1,800 yuan that year, and there was a loan of %80, but there was no at all, and the company was a loan, and the loan could not be repaid in the first year%80, which was all fooling people!! I would like to ask how the Pacific Life Insurance Co., Ltd. **** used the salesman to fool Lao Baixing.

It depends on how old you are buying it for someone, this is a dividend-paying type, suitable for young people, he is returned annually or regularly, the younger the better, the more cost-effective.

The interests of the insured can be referred to.

Most of the insurance uses part of the current funds to plan for the future, so you have to make a reasonable arrangement according to the current income and expenditure, and you may have to restrain your excessive consumption!

It is a participating pension insurance, and there is no compensation for hospitalization.

Hongxin Life Insurance (Dividend) Type B is a wealth management product developed by Pacific Life Insurance, which meets the financial needs of customers on the basis of more comprehensive protection needs of customers at different stages of life.

The characteristics of Hongxin Life Insurance are as follows:

1. Lifelong blessings are returned every year to eternity.

From the effective date of the contract, the customer can receive a blessing payment equivalent to 9% of the basic insurance amount every year until life. Fully considering the customer's demand for high return frequency, the return frequency is high and fast, so that customers can enjoy a stable cash flow every year, easily meet the needs of customers for long-term financial planning, which can not only realize the flexibility of funds, but also ensure that the old age is worry-free.

2. Have a guaranteed value and enjoy a lifetime with peace of mind.

After applying for insurance, customers will have lifelong value protection, this product can not only protect the safety of customers' capital returns, but also prevent the risk of death, demonstrating thoughtful and comprehensive human care. At the same time, you can add additional Hongxin Life Double Care Critical Illness Insurance Section B and additional Hongxin Additional Critical Illness Insurance, and the value protection will be further enhanced. The value guarantee is always accompanied, and love and responsibility continue perfectly.

3. Critical illness related to love and extra care.

During the validity period of the contract, if you are diagnosed with one of the 35 critical illnesses mentioned in the clause, you will receive a critical illness care fund at 9% of the basic insurance amount every year until your life. Receive a fixed critical illness care fund every year to help improve the quality of care. If the main insurance is supplemented with Hongxin's additional critical illness insurance, once the critical illness agreed in the terms is diagnosed, the critical illness insurance benefit equivalent to the basic insurance amount can be obtained, which solves the customer's financial difficulties and demonstrates thoughtful service.

4. The premium can be waived from economic auction and dismantling.

If the main insurance is supplemented with Hongxin Life Double Care Critical Illness Insurance Section B, if the critical illness agreed in the terms is diagnosed, the company will waive the premium for each period of the main insurance and additional Hongxin Life Double Care Critical Illness Insurance Section B that should be paid thereafter. It helps customers avoid the financial pressure and worry of paying premiums after suffering from critical illness, and truly reflects the protection essence of insurance.

5. The date can be specified, flexible and more intimate.

Customers can freely set the date of receiving the blessing money account, such as birthday, wedding anniversary, school day, etc., so that the beneficiary can receive a special gift from the company on a specific date, giving the customer a deeper meaning of love. If no designated date is set, the blessing money will enter the company's survival benefit accumulation account and accumulate interest in the form of compound interest, giving customers a reliable and stable appreciation space for their income.

Regarding "generation-skipping insurance", different companies and different products may have different restrictions and regulations for policyholders. 1. "But I heard my friend say that the insured is less than 10 years old, and my grandfather cannot be the policyholder, only the parents, and she said that this is stipulated by the Insurance Regulatory Commission." This situation should be a regulation of Ping An Company, not a legislative provision of the CIRC.

2. "But I seem to have heard people say that Pacific Insurance Company has a type of insurance called "Hongxin Life", and my grandfather is the policyholder. "—Pacific Life's "Hongxin Life" can indeed allow policyholders' grandparents to insure their grandchildren and grandchildren. The operating regulations are:

The parent guardian signs the "Consent Form for Generational Insurance", and then the grandfather can be the one who signs and pays the premium. Where the insured person signs, the parents of the child must sign by hand. 3. In addition, some companies do not allow intergenerational insurance.

I hope the above suggestions will be helpful to you, if you buy Hongxin life, there is no such worry.

From a legal point of view, the guardian is the policyholder, but he is afraid that the grandfather will have disputes in the future as the policyholder, so the salesman suggests that the parents are the policyholders!

Hongxin is a protection type of pension insurance, does not support the return of the principal halfway, there is no education fund collection function, mainly for the future retirement pension!

If the company thinks it is okay, then it should be signed by the father or mother of the child.

You can apply for insurance, but you must do a survival check on the insured and the guardian, you are an immediate family member, and the insured must sign to confirm that you must be the legal guardian of the minor.

Hello Pacific Insurance Company's Hongxin Life is a financial dividend insurance, which can be insured from generation to generation, but the insured column needs to be signed by your sister or brother-in-law. The regulations of the Insurance Regulatory Commission are that life and death insurance cannot be insured by alternate generations, and insurance such as Jinxiang Life Critical Illness cannot be insured by alternate generations, so you can rest assured, but if your father wants to use the fixed return of money, it is necessary to write on the contract that the survival beneficiary is your father's name, and the dividends are received by the policyholder, which you can rest assured.

This is a special case! Not a lie. is protected by law. It can be bought by grandpa for children under the age of 10. Rest assured.

Hello! Our company's Hongxin life can be insured from generation to generation, but first of all, we must obtain the consent of the child's parents, and sign and approve it at the guardian's list. There are many commercial insurance companies in the society that can be purchased from generation to generation.

The China Insurance Regulatory Commission has this provision, but it is mainly aimed at accident insurance with a high amount of insurance, mainly to prevent some criminals from defrauding insurance money and preventing crimes. Hongxin Life is a dividend product, focusing on financial management, and the long-term income is more objective, so you can buy it with confidence.

Yes, there is such an insurance in the insurance that can be insured from generation to generation, that is, you said Hongxin life, as for what you said less than ten years old can not be insured, I don't understand, Hongxin life insured refers to the birth of 30 days to 60 years old can be insured, the law is also recognized. It is a financial product. It is a good choice to leave to future generations.

Learn more. I would like to serve you professionally.

Hello! Pacific Life's Hongxin Life Grandparents or grandparents can sign the policy as the policyholder, but there must be the signature of their legal guardian (father or mother) at the place where the insured signs! Thank you.

Hello: Our company's Hongxin life as long as the child's parents agree to be able to intergenerational insurance, the policyholder your father signed, the insured (under 18 years old) to the guardian (your sister or your brother-in-law) signed, and then fill out a generational insurance consent form.

Hello, Pacific Hongxin life can be insured from generation to generation, and it is a product with a generation of investment and three generations of income. In the Insured Person column, the parents of the child can sign it.

Hello friends: Children are generally the pure expenses of the family, and all the living expenses of children depend on their parents, so the protection of parents is especially important for children. In terms of health, children are younger, have poorer immunity, are more likely to get sick, and children do not have adequate social security, so the degree of health risk exposure is higher.

In terms of accidents, children are active and full of interest in the outside world, and the risk of accidental injury is relatively large, and if economic conditions allow, it is necessary to supplement the child's education insurance to plan for the child's future. Families of different ages and financial strengths plan according to the actual situation. Choose a qualified insurer** to provide you with professional and comprehensive services.

Taikang "Health Insurance Pass" is free of application, zero waiting, no deposit is required, and only the policy number ID number is required to be hospitalized! If you need a specific plan, you can further communicate, and I will wholeheartedly make a suitable plan for you.

Hello: Our company's Hongxin life can be insured by the next generation, to be signed by the guardian, health insurance can not be insured by the next generation, so if you buy Hongxin life is not related, you can rest assured, there will be no problem.

Hello: Consult the ** people in the Pacific Ocean, they know more about the product insurance rules of the Pacific Insurance Company. If you're still feeling uneasy, call Pacific Services directly**.

Grandpa can only insure grandchildren who have reached the age of 10.

Grandpa can take out money to buy insurance for his grandson, but he can't be the policyholder, and the policyholder can only be the child's father or mother.

Hello! It is recommended that the child's parents be the policyholders, and the grandfather can pay the money. The main thing is whether the product can meet your protection needs.

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Hello! Your father is considering buying a participating insurance policy, which can be insured by your grandfather for his grandson, so you don't have to worry. If you still have concerns, you can call 95500 to confirm, this is the service of the National Pacific Insurance**, and you will be more down-to-earth if you ask.

Wishing you happiness and good health!!

Hello: Participating insurance is OK, but it must be under the age of 60 years old, and the guardian must sign a declaration that the grandfather is willing to be the policyholder and beneficiary [the child's parents are the guardians].

No, only guardians.

Hello, before the insured is under the age of 18, only parents can be insured for their children as policyholders. The child's grandfather cannot be the policyholder.

Hello! Grandpa pays for it, just let his parents buy insurance, don't let grandpa sign it, which will cause disputes.

What is Whole Life Insurance? What is participating insurance? What kind of insurance do you buy?

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Pacific Insurance-Hongxin Life is a two-part participating insurance, which has been discontinued, and the basic protection content is introduced next:

From the figure can know that this is a financial and pension insurance, after the contract takes effect every year can receive 9% of the basic amount of insurance, if the basic amount of 10,000 yuan, then the annual survival insurance is 900 yuan, to the age of 70 can receive a life pension, the amount of the premium paid.

Although this insurance seems to give money every year, and the premium will be refunded later, it should be noted that the market has an inflation rate! Next year's money may not have as much purchasing power as this year!

Moreover, financial pension accounts for both, which is not comparable to single-purpose insurance, and it is recommended to buy annuity insurance if you want to manage your finances:Top 10 Popular Annuity Insurance Worth Buying!

If you want to be protected, you should honestly buy consumer-based critical illness insurance, medical insurance, accident insurance, and so on.

Hongxin Life said that there is also a dividend distribution every year, which can be stored in the account in the form of compound interest. However, please note that dividends are not guaranteed! Dividends depend on the operating conditions of the insurance company in the previous year, and the actual profit in a year will not be clearly stated in the contract.

Hongxin Life Insurance (Participating)" is a life insurance launched by Pacific Company in February 2011 and has been discontinued.

The benefits of Hongxin Life Insurance are as follows:

1. Blessing money:

From the effective date of the contract, if the insured survives, a blessing payment of 9% of the basic sum insured will be paid once a year until the death of the insured. The first instalment of the blessing will be paid on the effective date of the contract, and every year thereafter will be paid on the corresponding day of the effective date of the contract.

2. Birthday Payment:

If the insured survives to the age of 70 on the effective date of the contract, the life allowance will be paid according to the total amount of insurance premiums you have paid according to the contract.

3. Death Benefit:

1. If the insured dies before 0:00 on the effective date of the contract at the age of 70, the death insurance benefit shall be paid according to the greater of the following two items, and the contract shall be terminated.

The total amount of premiums you have paid in accordance with the contract at the time of the death of the insured.

The cash value of the insurance policy at the time of the insured's death.

2. If the insured dies after 0:00 on the effective date of the contract at the age of 70, the death benefit shall be paid according to the greater of the following two items, and the contract shall be terminated.

Basic sum insured.

The cash value of the insurance policy at the time of the insured's death.

The feature of Hongxin Life Insurance is an insurance that integrates financial management and protection, which meets the needs of the insured.