Life Life Financial Management Protection, Is Life Insurance Reliable

Oh, the products are good, and now the products are all designed by the father of the sum insured.

agrees with "enthusiastic netizens", Life Life ranks sixth. Take a look:

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Life Insurance has many highlights of "wealth and omnipotence".

October 18, 2010 08:18 Shenzhen Special Zone Daily Life Insurance After just a few years of development, the total assets have exceeded 30 billion yuan, and the registered capital is as high as 2.856 billion yuan, making it one of the life insurance companies with the strongest capital strength in China. The strong capital strength and capital operation level have quickly attracted a large number of elites in the insurance industry to join in the domestic insurance market, especially the joining of Yang Zhicheng, the chief actuary who is known as the "father of China's insurance dividends", has been at the forefront of the industry in product design, and further promoted the rapid development of the company.

And the aforementioned "Wealth All-round" protection financial plan is its proud work. This is a wealth management product with a strong market competitiveness that integrates protection and universal financial management functions with the help of the new insurance policy.

The "Nirvana All-In-One" protection plan concentrates several major advantages that are different from general consumer products. The first is to adopt the advanced insurance amount dividend product system in the current market, with the basic sum assured, the annual dividend hedging, and the final dividend appreciation, so as to ensure that customers have high protection and high returns, and achieve the dual functions of protection and financial management; The second is to increase the universal wealth management account to ensure the secondary appreciation of customers' wealth; The third is fast return, the customer who buys "Nirvana Almighty" can get the first amount of 9 survival benefits after the 10-day hesitation period (returned every two years in the future), which makes "Nirvana Almighty" the fastest and most returned insurance among all insurance types in the industry, fully meeting the needs of customers for quick returns. It embodies the "people-oriented" product design concept of Life Insurance, which can meet the diverse needs of different customer groups.

First of all, this is a Japanese-funded life insurance company in China.

Don't look at any Japanese capital, now any insurance company in China must declare its establishment in China, so it is a domestic company in China, and it is the same. Moreover, in addition to life insurance and PICC, other insurance companies basically have foreign capital injection.

Life Insurance is a new small company. The scale of the company is very, very small, with assets of less than 500 million (at least tens of billions of others, trillions of dollars).

As a professional insurance officer of Ping An, I hope my advice can help you.

Earnings are regulated according to the most formal industry, and we can't say much. However, the income is distributed to customers according to 70% of the income of the company's collected funds for this product. This is unified by the CIRC.

Of course, each company is different. Which one is better depends on your own analysis through your understanding of the company. (The Insurance Regulatory Commission is not allowed to talk about income, and the plan or contract only roughly delineates three simulated income grades, and the income of any company in the formal contract is the same.)

It has nothing to do with the real income of customers, the real income is based on the actual dividends of each company).

And I can responsibly say that insurance buys protection. It is to protect your life, and then to protect the safety of your premium. (Debt avoidance, tax avoidance, absolutely safe).

The claim that insurance yields are high is false propaganda for any insurance company!!

I still know very well about this product of yours, the main insurance is 6000 a year, and the additional insurance is 4000, a total of 1w. Pay for 10 to 20 years, it is a dividend insurance.

It is mainly a critical illness protection with accident protection, which is a protection-based product. Earnings are auxiliary, and protection is the main thing.

I can't say whether I'm good or bad at risk.

Buy 10 years of education** insurance for your son.

China Life Jin Xinzun (Deluxe Edition) Combination Plan.

Product Introduction: Innovative combination of dividend products and universal products, which integrates regular returns, agreed return of premiums, dividend distribution rights, return of income, and universal income, so that your wealth can be upgraded step by step.

Product features: strong alliance with a lot of benefits.

Four times of value-added double borrowing.

Flexible collection of various plans.

Universal lifelong wealth inheritance.

Fortune Stable Profit Protection Plan.

Product introduction: In order to meet the needs of customers for stable financial management and provide a full range of insurance protection, Chinese Life launched China Life Hongfu Stable Profit Annuity Insurance (dividend). The product is annuity type, with the characteristics of instant payment, annual care, longevity, lifelong care, etc., and can be attached to "China Life Additional Hongfu Term Life Insurance" and "China Life Additional Hongfu Accidental Death Term Life Insurance", which has a variety of protection functions such as accident and death, which is your wise choice!

Product features: Hongfu "Qitian-care every year, blessing and longevity are often accompanied.

"Stable Profit" Jinsheng - dividends to add color, happiness and Jinsheng.

Tips: What are the wealth management products of Chinese Life Insurance? The above focuses on introducing Chinese Life's insurance and wealth management products, namely China Life Jinxinzun (Deluxe Edition) Portfolio Plan and Hongfu Stable Profit Protection Plan.

In addition to these two products, Chinese Life also has China Life Jin Xinzun (Deluxe Edition) Combination Plan, China Life Jin Ruyi (Deluxe Edition) Combination Plan and so on.

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

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The benefits depend on what you buy.

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It is stated in the contract of the insurance policy.

You can click on the small card on your page to fill in your information, and we will have a professional teacher contact you to provide you**, free product interpretation, claim assistance, etc.

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Hello, I am the answer in the financial field, "Talking about stocks and gold", I have many years of experience in finance and law, I have seen your questions, and I am sorting out the relevant answers for you, typing may take some time, please be patient, I will provide you with the most detailed answers within 5 minutes, will not reply to you, thank you!

Hello, dear, I am very happy to answer this question for you, Chinese Life launched insurance wealth management products in 2000, has become the mainstream of financial insurance in the industry, Chinese Life wealth management products are numerous, roughly divided into three categories, mainly participating insurance, universal insurance and investment-linked insurance. First, participating insurance. It refers to an insurance product in which the insurance company will distribute the profit of the policyholder's insurance purchase in the previous fiscal year according to a certain proportion after the end of each fiscal year.

Second, universal insurance. It refers to the life insurance in which the policyholder purchases wealth management products, which not only provides insurance protection functions, but also has a separate policy account, and the policy account value provides a minimum income guarantee. After the policyholder purchases a universal insurance product, the insurance company will set different insurance amounts and payment periods according to the different stages of the policyholder's life, according to the policyholder's protection needs and financial status.

Set the optimal proportion of investment for the policyholder so that the policyholder's money can be used to the fullest. Third, invest in linked insurance. Strictly speaking, it is different from dividend-paying and universal products, and is an investment insurance product.

In addition to providing investment-linked insurance protection, it also has investment functions, friendly reminder, Chinese Life is China's super-large financial insurance, any financial product it provides is subject to the approval of the Insurance Regulatory Commission before it can be marketed, so whether it is from the company or Chinese Life wealth management products, there is no risk. Hope mine is helpful to you! Thanks,

Summary. The investment period of life insurance products is very long, and the long-term insurance may take 5 to 10 years or even longer. 1. Examine the risk tolerance financial insurance is a long-term type of insurance, and consumers should make a full estimate of the income and expenditure of the future payment period before applying for insurance to ensure that they can pay on time, and do not surrender the insurance if they buy it.

Investment-linked insurance is considered to be a high risk in wealth management insurance products, and such products should be carefully selected if the risk tolerance is low. 2. Determine the amount of insurance according to the income and expenditure status of their family, assets and liabilities, future life goals of family members, physical condition, etc., so as to make the best use of insurance and accurate investment. 3. The terms of the contract should be understood, and the actual financial needs of the family should be based on the actual financial needs of the family, and the most suitable type of insurance should be selected in combination with the product characteristics.

When the liability event agreed in the contract clause occurs, the insurance claim shall be handled in a timely manner to give full play to the insurance effect.

Kissing is very reliable.

Hello, dear, Chinese Life Insurance Company's ability to claim claims to buy insurance, the most worrying question is "can you pay", "how long to pay", "pay fast", etc., in fact, everyone cares about this book is right, which is also one of the key points for us to measure whether an insurance company is trustworthy. According to the claims report of Chinese Life Insurance Company this year, the number of claims paid by Chinese Life Insurance Company is about 16.1 million, and 1 piece of Nacong is paid in less than 2 seconds, with a compensation amount of more than 47 billion yuan, and an average of nearly 100 million yuan of compensation is sent to customers every day, and the odds are about about. In fact, the vast majority of claims are paid out, and the probability of payment is high.

The investment period of life insurance products is very long, and the long-term insurance may take 5 to 10 years or even longer. 1. Examine the risk tolerance financial insurance is a long-term type of insurance, and consumers should make a full estimate of the income and expenditure of the future payment period before applying for insurance, so as to ensure that they can pay according to the time of start-up, and do not surrender the insurance if they buy it. Investment-linked insurance is considered to be a high risk in wealth management insurance products, and this type of product should be carefully selected if the risk tolerance is low.

2. Determine the amount from the demandConsumers can determine the insurance amount according to their family's income and expenditure, assets and liabilities, family members' future life goals, physical condition, etc., so as to make the best use of insurance and invest accurately. 3. The terms of the contract should be understood, and the actual financial needs of the family should be based on the actual financial needs of the family, and the most suitable type of insurance should be selected in combination with the product characteristics. When the liability event agreed in the contract clause occurs, the insurance claim shall be handled in a timely manner to give full play to the insurance effect.

As a financial practitioner, it is not recommended that you buy insurance wealth management products.

1.Insurance wealth management products, basically the annual income is about 3%-5%, that is, if you buy it for 20 years, the income is not very high, but it can completely outperform inflation.

2.If you have spare money, and you are not good at financial management, you just want to put the funds in the bank, in this case, you can buy life insurance wealth management products, because the interest rate is indeed much higher than the bank interest, spare money and want to eat interest, and not good at investment and financial management, this situation to buy life insurance wealth management products is actually very good.

Questions. Thank you, I bought it and said that the payment period is ten years, and it will be refunded after the age of sixty, is it true?

3.If the family economic situation is average, in this case, I do not recommend buying, insurance and wealth management products are very long, and it takes a long time to cash out profits.

This is true, life is a big brand, and it is basically impossible to deceive people.

This can only be bought with spare money, I don't recommend buying insurance and financial products, the cost performance is not high.

Hello, do you have any other questions?

In the face of growing inflation, there are concerns that the money in hand will soon become worthless. Buying insurance may be a wise choice. When using insurance products for investment and financial management, investors must be prudent in combination with their own needs and economic conditions, and comprehensively consider the balance between protection and returns.

As the insurance and wealth management market gradually improves, the following issues need to be paid attention to in investment and wealth management insurance:

1. Insurance and financial management do what you can and reasonably arrange the investment ratio. Before choosing insurance and wealth management, investors should conduct an overall evaluation of their monetary assets and various financial products to avoid two extreme situations: one is to ignore the protection function of insurance and choose not to insure, which is difficult to effectively avoid unknown risks; The other is repeated insurance and excessive premium spending, which will cause excessive pressure on family spending.

According to the changes in the life and financial situation of individuals and families, the type of insurance and the amount of insurance coverage are adjusted regularly so that they can truly meet the needs of risk transfer.

2. Adhere to the correct investment philosophy and choose insurance and wealth management products that are suitable for you. Insurance and financial management should uphold the correct investment philosophy, that is, "protection first."

First, the second income". When choosing insurance and wealth management products, the focus is on the protection function of insurance, and whether it is worth investing according to the standards of safety, profitability and liquidity. Finally, choose your insurance company carefully.

The following factors can be combined when choosing an insurance company: First, the type of company, the coverage and professionalism of the products provided by insurance companies with different business scopes must be different. The second is the business situation, which generally should be based on the assessment results of the insurance company by the insurance regulatory department or authoritative rating agency to understand the solvency of the insurance company.

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