Huaxia No. 1 Insurance Universal C has not passed the hesitation period, but it has been recorded by

This has nothing to do with call recording, you can follow the normal procedure to do it, if you also need to protect your legal rights in the future, you can also use Pinocchio call recording software to save calls with others, just in case.

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1. To put it simply, these two insurances are a kind of savings. All you have to do is spend money to open an account. A small portion of this money is used to provide protection to you.

For example, there are more than 100,000 in life, 100,000 in serious illness, and 10 tens of thousands in accidents. You can choose how much you need. The higher the sum insured.

The more money you have for protection. The other part of the money is used to earn interest on you. The current interest is equivalent to the annual interest rate) When you have saved for some years, then the money you have saved plus interest is quite a lot, and you can take it out and use it at this time.

You can also keep it there and continue to pay the premiums for a long time. You can do without paying the fee. It's a very flexible product.

It is recommended that you find a professional insurance broker to evaluate it for you.

I don't know which city you are in, you can ask your professional financial planner to help you plan, whether to buy Magnum, I think you need to know more about it.

Xueba talks about insurance, focusing on insurance evaluation! The most comprehensive critical illness insurance comparison review is here:"Comparison Table of 136 Popular Critical Illness Insurance in China".

Huaxia Life Insurance Co., Ltd. is a national, joint-stock life insurance company with abundant funds. The company mainly sells critical illness insurance, life insurance, annuity insurance and other types of insurance products.

There are many insurance products in Huaxia, let's take a look at one of the more hotly discussed products on the market: Evergain Multiple.

This is a grouped multi-claim critical illness insurance that protects the entire life.

The most eye-catching are:

1. It protects the content required by most consumers, and the protection of critical illness, moderate illness and mild illness is very comprehensive.

2. It can have a short interval, and the interval between multiple claims for critical illness only needs to be 180 days.

3. The high-incidence disease of malignant tumors can be divided into a separate group, which improves the probability of winning compensation for multiple times.

Although this product has good advantages, it is undeniable that it still has certain flaws. It's a very big problem. 12,090 yuan, not all families can afford this.

In addition, it has a very short payment period, with a maximum of 20 years.

Those who are more interested in Huaxia and fancy the malignant tumor grouping can consider purchasing.

Friends who don't have a high budget, you can take a look at my this:"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》Compare and compare.

Hello! China Life Insurance is one of the top 10 national insurance companies.

Universal insurance refers to life insurance that includes insurance protection functions and has a guaranteed investment account.

It has both investment and protection functions.

Part of the premium is used to provide risk protection such as death, and after deducting the risk insurance premium and related expenses, the remaining premium is saved and increased in the investment account.

So it's a bit difficult to have good returns in the short term. Medium- to long-term observations are recommended.

Hello, I am a senior financial expert Mr. Zhang, I am good at**,**, social security, insurance,**, medical, loan projects, has served more than 10,000 users, praised by users, now I will answer your questions, please wait patiently for a minute or two

Hello friend, it is a pleasure to answer your question, Huaxia Life Insurance is reliable, it is a formal national joint-stock life insurance company approved by the China Insurance Regulatory Commission, and any insurance product launched by it is sold under the approval and supervision of the Insurance Regulatory Commission.

In addition, there is no runaway, fraud, etc., even if the insurance policy is still valid due to unfavorable operation, the CBRC will let capable insurance companies take over.

However, because the professional quality of insurance practitioners is uneven, consumers must have their own understanding and cognition when choosing to apply for insurance, and appropriately combine the analysis and comparison of products by insurance salesmen. I hope my reply can help you and have a great day

Take a closer look at the contract. Generally, there is a cooling-off period of about 10 days, which can be withdrawn. I don't know if you have this one.

The health of the elderly is guaranteed, so let them be.

Xueba talks about insurance, focusing on insurance product evaluation! Is Huaxia Life's claims good and how is its service ability? Let's get a sneak peek"One article will take you to understand, what you don't know about [China Life]".

If you want to buy a product from Huaxia Insurance, let's take a look at Huaxia Insurance first.

Founded in December 2006 with a registered capital of RMB 15.3 billion and headquartered in Beijing, China Life Insurance is a national, joint-stock life insurance company.

1. How about China Life Insurance

In July 2019, China Life Insurance ranked 442nd in the Fortune Global 500.

China Life's premium income in 2019 was 100 million yuan, ranking fourth in the country after China Life, Ping An and Pacific.

In general, China Life Insurance has abundant funds, high public recognition, and leverage.

2. Solvency of China Life

Solvency refers to the ability of an insurance company to repay its debts, reflecting the relationship between assets and liabilities, and the higher the solvency, the less likely the company is to fail.

In the first quarter of 2020, the core solvency adequacy ratio was A, and the overall risk rating was A, far exceeding the passing mark set by the China Banking and Insurance Regulatory Commission. I sorted out the insurance companies with high solvency in 2020:

Which of the top 10 insurers in solvency in 2020 is better? 》

3. What about China Life's products?

The main business of China Life Insurance is life insurance, including critical illness insurance, medical insurance, accident insurance, life insurance, annuity insurance, etc., and the more popular products are: Evergain, Healthy Life, Fulinmen, etc., look at the following picture:

Huaxia Insurance is not worth buying, it is necessary to analyze through the product, taking its popular critical illness insurance "Evergain Series" as an example, although the protection is comprehensive, but the cost performance is low, the product evaluation can be seen in this article:"How about Chinese evergreens, is it worth buying, and what are the pits".

And many people who want to know about Huaxia's FLM annuity insurance can poke here"How about the income of Huaxia Fulinmen annuity insurance, is it worth buying? 》

First of all, you have to know that what you buy is insurance, and sending insurance is just a casual talk from the bank, and in the end, you have to withdraw money from the insurance company, and the bank is just a sales. This 2 years is desirable, it is recommended that you read the terms, or ask him directly how to calculate the surrender fee, I know that there are two types of Fortune No. 1, one is no surrender fee after 2 years, that is, you can take it after 2 years, and the other is to obtain it casually after 3 years, this product can be taken after 2 years, if you don't want to use money, you can put it for 3 years. If you want to check the income, you can check it directly through the official website, and refer to it yourself.

I think it's okay to buy basic insurance, and it's a waste to buy more, there are so many investment opportunities in the market.

This one can be taken! Interest can be checked online! Interest is published every month.

Xueba said that insurance, only help parents who want to buy the right insurance for their children! This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updated, click on it to see the details.

What insurance is good for children

I don't know how many parents who want to give their babies comprehensive protection are stumped by this problem, and today my senior sister will study and study with you, how to buy insurance for children so that they will not be pitted! Pay attention to three key points:

First, the country's medical insurance must be handled.

Neonatal medical insurance (medical insurance for urban and rural residents) is the basic national insurance, and the child should be handled immediately as soon as he is born, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, which provides a relatively long period of protection. In addition, critical illness insurance can pay a large amount of cash directly after getting sick, in addition to being used to treat the disease, it can also solve many hidden problems caused by illness, such as taking care of sick children, and the economic losses brought to the family, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance policy can be used to solve these problems.

Let's talk about medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, it is necessary to configure an accident insurance, the child's accident insurance is very cheap, and the insurance amount of 200,000 yuan is only sixty or seventy yuan per year, which can protect the child's disability, death and medical liability caused by accidents, which is very cost-effective.

Third, what insurance should not be bought for children?

Don't choose life insurance for your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleHow to buy insurance for your child without being cheated? This guide tells you!

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, cost-effective and practical.

That's all for me"The detailed introduction of Ping An Universal Insurance and Children's Universal Insurance should be specific! Thank you! "All of them, I hope it helps you! Hope!

Universal life insurance was born in the United States in 1979 and is by far one of the most important life insurance products in the U.S. market. Since Ping An launched the Wisdom Life Universal Life Insurance in 2004, it has been warmly sought after and won many awards!

It is a versatile product with daily interest and monthly interest, and its functions and operations are very flexible and comprehensive, so it is not something that can be explained in one or two sentences. (Our in-house staff training alone takes at least three days.) Huh).

So you'd better tell me your birth date and your child's birthday, and I'll help you make a simple and clear plan, using the most intuitive numbers to help you make it clear!

You ask the salesman out to talk slowly. Magna is a more complex product than traditional insurance. , but pretty good.

Universal insurance is a more flexible product, which is more complicated to explain, and you can find a local professional insurance person to help you explain in detail.

According to the cash value of your policy at that time plus the dividend income, it is recommended to call customer service**, quote your policy number and ID number, and inquire directly! Professional things are handed over to professional and cautious people, and I Qi Zhijing is a connoisseur who knows Baiye pants! Welcome!

Surrender is calculated based on the cash value at the end of the contract.

Generally, it is not illegal, but if it is For example, the court will clearly say that you are not allowed to record audio and video, and it is easy to get into trouble.

I think,It's better for you,,Say what you want to do.,Ask if it's okay...

According to article 63 of the Code of Civil Procedure, the types of evidence and proof (3) include audio-visual materials.

As long as it does not involve personal privacy, as long as it is not a place where audio and video recording is prohibited, audio and video recording can be made, and all TV stations are using it.

China Life Fortune No. 1 Universal Insurance can be taken for two years, and there will be a loss of funds before it expires.

Surrender during the cooling-off period.

Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

Normal surrender. Surrender beyond the cooling-off period will be regarded as normal surrender. Policies that have received insurance benefits are not eligible for surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.

In the insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill the contractual obligations, and when the insured requests to terminate or surrender the policy for any reason within the validity period of the insurance, the insurance company will return the balance of the liability reserve minus the deduction of the cancellation to the insured according to the regulations, and this part of the amount is the cash value of the policy.