Is my China Life Hongshou Annuity Insurance Participating worth it?

Xueba talks about insurance, focusing on insurance evaluation! The comparison table between the 35 participating insurance products and the 101 hot-selling critical illness insurance products is here35 participating insurances and 101 hot-selling critical illness insurance products are PK, to friends who know this article.

Participating insurance refers to the insurance company that invests part of the customer's premium, and distributes the investment income to the policyholder according to a certain amount of financial insurance products after deducting the cost, which has both protection and return dividends, which makes many people excited.

Participating insurance is very popular in the market because it has both protection and financial management functions, but when people buy it, they are often confused by the demo interest rate, and in fact, almost no one can get the expected return.

First, yields are uncertain.

Second, the dividend pool is not transparent.

It is precisely because of the existence of these two characteristics that it is difficult to earn dividends, and it has become a type of insurance with a high complaint rateWhy is participating insurance a "high-incidence area" for insurance?

There are detailed explanations inside.

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!

That's all for me"Is my China Life Hongshou Annuity Insurance (Participating) worth it?"All, look!

Double, guaranteed, with a fixed survival fund, and dividends, worth it.

The insurance is good, but it depends on whether your protection is reasonable or not.

Dividends are uncertain, because this year, except for Ping An's profit growth, other insurance companies have seen a year-on-year decline in profits, with both Life and Xinhua exceeding 50%. CCTV has reported it!

Insurance is good, and it can't be said that it's worth it.

China Life Hongshou Annuity Insurance is a dividend-paying product with death protection responsibility and annuity payment.

1. Pension protection is stronger: The policy pays the pension according to 5% of the insured amount every year, which can give the insured a better old age life guarantee.

2. Death Benefit: During the insurance period, after the unfortunate death of the insured, the insurance company will pay the death benefit according to twice the sum insured of the insured.

Summary. 1.Annuity.

Depending on the choice of payment period, the setting of annuity is also different. For example, this product has three payment methods, and the corresponding annuity obtained is % of the annual premium.

2.Special Survival Payment.

100% of the basic sum assured will be paid upon completion of one year.

In other words, the return that can be obtained in the first year is annuity + special survival fund.

3.Maturity benefit.

After 20 years, the basic sum insured will be paid at the end of the contract.

At the same time, it also illustrates a problem, this annuity insurance is only returned for 20 years, if you want to return the money every year as long as the insured survives, then you still need to consider carefully. After all, after the end of the contract, there are still issues such as children's education, children's marriage and pension, etc., which are all in front of us and really need to be solved.

4.Death benefit.

This premium can also be understood as the premium paid at the time of death, which can be paid in a lump sum or converted into an annuity.

It's not uncommon for this content to be found in almost every family.

5.Dividends.

Dividends are distributed according to the actual business conditions, and the insured can choose to receive cash or accumulate interest every year. It is emphasized here that the distributable surplus is not the total income per year, but the deduction of various items.

How about China Life Hongfu Supreme Annuity Insurance (Participating Type)? kanbud

How about China Life Hongfu Supreme Annuity Insurance (Participating Type)? kanbud, reliable, but not suitable for shouting to tease everyone, you must combine your actual needs to sell, shout and then read the contract clearly.

1.Annuities are set differently depending on the payment period. For example, this product has three types of payment methods, and the corresponding annuity obtained is % of the annual premium.

2.The special survival fund will pay 100% of the basic sum insured after one year. In other words, the return that can be obtained in the first year is annuity + special survival fund.

3.The basic sum insured will be paid at the end of the contract after 20 years of maturity. At the same time, it also illustrates a problem, this annuity insurance is only returned for 20 years, if you want to return the money every year as long as the insured survives, then you still need to consider carefully.

After all, after the end of the contract, there are still issues such as children's education, children's marriage and pension, etc., which are all in front of us and really need to be solved. 4.The death benefit can also be understood as the premium paid at the time of death, which can be paid in a lump sum or converted to an annuity.

It's not uncommon for this content to be found in almost every family. 5.Dividends are distributed according to the actual operating conditions, and the insured can choose to receive cash or accumulate interest every year.

It is emphasized here that the distributable surplus is not the total income per year, but the deduction of various items.

Expenses. than the heart] <>

Summary. China Life Hongfu Supreme Annuity Insurance Participating Insurance can receive the premium paid after 10 years, that is, the return of the principal. China Life Hongfu Supreme Annuity Insurance Participating Type Can Be Guaranteed:

Annuity: 3% premium refund per year if you pay for 3 years, 6% per year if you pay for 5 years, and 12% per year if you pay for 10 years; Special Survival Benefit: 100% of the Basic Sum Assured in the first year of the policy; Maturity benefit.

If the insured is still alive at the end of the insurance period, the premium paid will be refunded;

A few years of reversal. China Life Hongfu Supreme Annuity Insurance Participating Insurance can receive the premium paid after 10 years, that is, the return of the principal. China Life Hongfu Zhistool Virtual Annuity Insurance Participating Type Can Be Guaranteed:

Annuity: 3% premium refund per year if you pay for 3 years, 6% per year if you pay for 5 years, and 12% per year if you pay for 10 years; Special Survival Benefit: 100% of the Basic Sum Assured in the first year of the policy; Maturity benefit.

If the insured is still alive and well at the expiration of the insurance period, he or she will receive a refund of the premium paid;

I've been spending two years for a long time, and I'm making up the premium, and I'm paying dividends for these two years?

If the policyholder does not pay the premium, then it will enter a grace period of 60 days, and the protection is still valid during the grace period. If the premium has not been paid during the grace period, the benefit will be temporarily invalidated and the policy will enter the 2-year reinstatement period, and the dividend of the participating insurance will be suspended during the reinstatement period, and there will be no dividend income. If the policyholder still fails to pay the premium after the 2-year reinstatement period, the participating insurance will be completely invalid, and the insurance company will refund the policyholder the cash value of the policy and the unclaimed dividends.

Rush let's.