Is there any protection for buying New China Life Insurance?

Hello, I am a salesperson of New China Life, and I would like to make a simple answer to your question.

According to your plan of more than 2,000 yuan, you can buy 30,000 yuan of Jixing Gaozhao for your father, and after adding 08 critical illness insurance, the annual insurance fee is 2,160 yuan (Jixing Gaozhao: 1,605 yuan; Critical illness: 555 yuan).

Life protection: death or total disability due to illness within one year, payment (30,000 yuan 10% + premium paid 1,605 yuan); In the event of death or total disability due to accidental injury or illness one year later, (30,000 yuan + accumulated dividend sum assured) 2 + final dividend.

Maturity payment: 30,000 yuan + accumulated dividend sum insured + terminal dividend.

Critical illness care: If one of the 33 major illnesses listed in the contract unfortunately occurs, it will be paid within one year (10% of RMB 30,000 + RMB 555 premium); 30,000 yuan will be paid after one year.

Wishing your family happiness under your care!

I'm about to retire at 60, and I still have to pay money, is it appropriate?

It has some shortcomings.

First, there is the lack of disability protection. If you have a major illness, one of the possible outcomes is disability. For users who have purchased critical illness insurance, they want to protect all potential risks as much as possible.

Disability caused by critical illness, especially high disability, is overwhelming for a family, and a situation may be faced by: critical illness insurance benefits protect the process of critical illness, but how to protect the disability life faced later. Therefore, critical illness insurance is particularly important for the protection of disability, especially high disability.

However, Health Fortune only provides critical illness insurance benefits and death insurance benefits. Disability coverage is included in some critical illness insurance products. For example, China Life Corning Whole Life Critical Illness Insurance provides protection against severe disability, and the insurance company pays three times the basic sum assured for the high disability insurance, but deducts the critical illness insurance benefits already paid.

Clause. 2. The protection of the insured in the first year is low. Health Fortune Stars Terms & Conditions :

If the insured dies due to illness (such illness does not include the critical illness mentioned in the preceding paragraph) within one year from the effective date of the contract, the insurance company shall pay 10% of the sum of the basic sum insured and the premium paid; If the insured suffers from a critical illness specified in the contract within one year from the effective date of the contract, the insurance company will pay 10% of the sum of the basic insurance amount and the premium paid. For example, 30-year-old Mr. Li, the basic slag mold amount of 100,000 yuan, 20 years to pay, need to pay 4,860 yuan a year, if he suffers from a critical illness in the first year, then he can only get 5,860 yuan. In similar products, such as China Life Corning Whole Life Critical Illness Insurance, if you suffer from a critical illness for the first time after the 180-day waiting period, you can get twice the basic sum assured; If you are insured at the same time, you will receive three times the basic sum assured to pay the death benefit.

The growth happiness of New China Insurance is more suitable for you!

First, 18-22 years old receive 30% of the annual insurance amount as education ** hunger silver.

Second, 60% of the insurance amount received at the age of 25 is used as entrepreneurship**.

Third, 200% of the insurance amount received at the age of 60 is used as a pension**.

Clause. Fourth, after the age of 18, the bad number banquet has more than 5 times the insurance amount of the sedan car to protect the value.

Health Fortune Booster (2014) Critical Illness Insurance covers 45 critical illnesses for life. Take the insured amount of 100,000 yuan as an example:

1) Critical illness: multiple of the premium paid within one year; After one year, the basic sum insured will be paid of 100,000 yuan (1+3% of the policy will be paid for the whole year after Lu Zhuhuai), that is, on the basis of 100,000 yuan, an annual increase of 3,000 yuan.

2) Rough physical examination: within one year, before the age of 18, pay the actual insurance premium; After the age of 18, the premium is paid at the rate of the actual premium.

Due to an accident or one year later, before the age of 18, the greater of the actual premium paid and the cash value corresponding to the basic insurance amount;

After the age of 18, the basic sum assured will be paid of 100,000 yuan (1+3% of the entire year after the policy), that is, on the basis of 100,000 yuan, an increase of 3,000 yuan per year.

3) The insured is exempted from insurance premiums for accidental injury death or accidental total disability.

4) At the age of 66, you can have the right to switch pensions.