Comparison of Ping An Wealth Honorable Participating Insurance and Chinese Life Fulu Gold Participat

There's no comparison. Check each company's earnings online to find out. The insurance industry should give 70% of the profit to customers in dividends. Of course, the dividends are also higher if they are more profitable. Peace is preferred.

Since we want to compare which of the two wealth management products is more cost-effective, we should first say that we should clarify which indicators should be compared horizontally.

For example, if I compare which score is bigger, I need to score first.

First of all, we need to know how much money we have left in our policy account to the insurance company for the premiums we have paid. Don't take it for granted that the premiums we pay are the funds we deposit into the insurance company, no.

Secondly, we need to figure out the rate of return of our funds for each wealth management product. The future is unpredictable, but at least we can pay attention to the past earnings of each model.

Finally, let's take a look at which one we can take out without losing money when we need it.

These three points are the key to comparing financial products.

Remember, when choosing insurance and wealth management products, don't follow the ideas of the insurance salesman, it is easy to be led to the ditch.

If you can't understand it yourself, you can send us a proposal for these two paragraphs, and we will help you list the comparison numbers in detail.

Insurance is to protect the peace, insurance is not a way to make you rich directly, but it itself is a lot, gathering sand into a tower, there is money is 100,000 million is not a thing, no money when 35,000 is also life-saving money, so what kind of property insurance want what kind of income needs to be determined according to your actual income situation, such as believe me**me, I will tailor a suitable insurance for you, I wish you a happy life!

Dividends should be the same for the same insurance company. When choosing an insurance product, the first thing to look at is what protection you need? Don't be fooled by the payout calculus given to you by the marketer, those are uncertain!

The fixed return is about the same, and the dividend is 70% of the company's earnings, which is of course the best choice for companies with good returns.

The most important thing is to choose a company, insurance is a lifelong thing, so it depends on the strength of the company to compare, I believe it is right.

Each company's products have their own advantages and have their own product characteristics.

China Taiping Insurance's income current interest rate, daily interest-bearing month, compound interest, basic interest rate. December 23 is off to a good start. Good insurance is short-lived,**.

Look at the cash value, because the higher the cash value, the higher the loan, don't look at the return and dividends.

Of course, life Fuxin is every year.

You can compare several insurance companies to maximize your benefits!

Zunyao has a minimum deposit of 100,000 yuan, and it can be purchased for a limited time.

Each has its own characteristics, depending on what suits you.

The dividend amount of Chinese Life Fulu Xinzun Insurance Dividend Type is uncertain, and Chinese Life determines the dividend distribution plan every year based on the actual operating conditions of the participating insurance business in the previous fiscal year. Dividends will only be distributed if it is determined that there is a dividend distribution in the contract.

About the participating insurance, what the salesman will not tell you.

Next, let's take a look at the protection content of the participating type of Fulu Xinzun insurance and see how cost-effective it is:

The protection content of the participating type of Fulu Xinzun Insurance covers survival insurance, special survival insurance, life insurance and death insurance, and the protection content is relatively rich.

Protecting both life and death is a major feature of both insurance, so what do you need to pay attention to when applying for both insurance? Click below to learn more about the precautions for insurance:

About both insurance, the salesman will definitely not tell you!

The payment method of the participating type of Fulu Xinzun Insurance is annual payment, and the single premium is not supported, which is relatively inflexible.

Because the annual payment has requirements for the cash flow of the policyholder, and the single payment is a one-time payment, it is more suitable for people with sufficient short-term funds but unstable long-term cash flow.

However, in general, the insurance method is not flexible and harmless, and many small partners who buy both insurance pay attention to how much money the product can return and whether there is any income.

The senior sister found that the income of Fulu Xinzun insurance dividend type is not ideal, and the specific income can be viewed in the specific evaluation below:

A policy for life and death? Take you to count the cats of China Life Fulu Xinzun and all the insurance!

This insurance belongs to the pension insurance, annual payment of 15,000, every three years can receive 2 money, the first is 300 yuan, can be received until the age of 55, if the child is 1 year old to buy, it should be able to receive 18 times, the second is the first three years, the second three years, the third three years, and then has been increasing, the highest can be obtained. I got it until I was 55 years old, and then I got the principal 150,000 back at the age of 55 (birthday money). From the age of 56, you can receive 2,287 yuan every year, and you can receive 1

100% of the basic sum insured;

2.The cash value of the insurance contract. The greater of the two is paid.

Do you understand? A good endowment insurance, if you don't need to return the money, it's best not to receive it, and the final payment will be much more than the sum of the lump sum. In addition, this is also a participating insurance.

There are dividends every year, which is also a lot of money, and it is best to receive it together at the end, and the money of the insurance company is calculated by compound interest, and the cumulative sum is much higher than the sum of the sum taken out one by one.

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

China Life Fulu Gold Endowment Insurance (Participating Type) will introduce you with a case.

The insured is Mr. Zhao Xinchun.

Issue age: 28 years old.

Solution details. Main Insurance: China Life Fulu Gold Endowment Insurance (Participating).

Payment period: 10 years.

Basic Sum Insured: RMB.

Annual premium: $6,135.

Coverage: 1. Survival insurance.

From the effective date of this contract to the date of receipt of the life allowance agreed in this contract, if the insured survives to the corresponding date of the annual effective date of each full three policy years, a survival insurance benefit of 7,500 yuan will be paid.

From the date of receipt of the birthday allowance agreed in this contract, if the insured survives to the corresponding date of the effective date of this contract, the company will pay 3,000 yuan of survival insurance money every year.

2. Birthday money.

If the insured survives to the date of receiving the life allowance as agreed in this contract, the company shall pay the life allowance according to the insurance premium (excluding interest) paid in this contract.

3. Death benefit.

If the insured dies due to illness within one year from the effective date of this contract, the company shall pay the death insurance benefit according to the insurance premium (excluding interest) paid under this contract, and this contract shall be terminated;

If the insured dies due to circumstances other than the foregoing before the date of receipt of the life benefit agreed in this contract, the company shall pay the death insurance benefit according to the sum of the yuan and the insurance premium (excluding interest) paid in this contract, and this contract shall be terminated.

In the event of the death of the Insured from the date of receipt of the life allowance agreed in this Contract, the Company shall pay the death benefit at the time of the Insured's death, whichever is greater, and this Contract shall be terminated.

1.100% of the basic sum insured;

2.The cash value of this contract.

4. Accidental Death Insurance.

If the insured suffers an accidental injury and dies before the date of the life allowance as agreed in this contract within 180 days from the date of the accidental injury, the insurance benefit shall be paid and this contract shall be terminated.

Bonus accumulation: Assuming that you survive to the age of 55, you will receive a total of bonus yuan.

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

Traditional insurance plans with flat-rate and fixed-rate benefits cannot cope with the impact of interest rate fluctuations and inflation. Once the policyholder has purchased this type of insurance, the premium and sum insured will not change. When interest rates are lowered and deflation, insurance companies will face"Lose money"Risk; When interest rates rise and inflation occurs, the insurance company will face the risk of surrender of the policyholder.

In order to effectively prevent the occurrence of the above two situations, investment insurance came into being.

Fulu Jinzun's "Liangquan Insurance (Participating Type) product is the first insurance wealth management product launched by Chinese Life Insurance Co., Ltd. that "returns the income after returning the principal". The so-called "return of principal and income" means that the insured can continue to receive a survival insurance benefit equivalent to 6% of the basic insurance amount from the insurance company every year after receiving the life benefit (the insurance premium paid by the customer) at the agreed age until his death.

Chen Jinsong, assistant general manager of the product development department of Chinese Life Insurance Co., Ltd., said that "Fulu Jinzun" is a high value-added product that integrates financial dividends, accident protection, and pension, returns every three years, high fixed income, early return to capital, annual dividends, and guarantees. This all-round strategy highlights the concept of "lifelong receiving, worry-free pension; Death protection, multi-fold care; A return to the capital, more peace of mind; The design is flexible and can be matched as you like; Accumulation account, double income; Enjoy dividends and share surpluses; policy borrowing, flexible funds" and other product features.

Another important feature of the "Fu Lu Jinzun" product is that the degree of protection is increased, and the death benefit will be paid according to twice the basic sum insured and the premium paid in the event of death due to illness before the life benefit is received; In the event of accidental death, the death benefit will be paid at 5 times of the basic sum assured and the premium paid; In the event of death after receiving the life benefit, the death benefit will be paid according to the greater of the basic sum insured and the cash value. At the same time, "Fulu Jinzun" has a variety of payment methods, which can be paid annually, can be paid for three years, five years, and ten years, and customers can choose different ways to apply for insurance according to their own needs. In addition, this product is a dividend to life, annual dividends, lifelong dividends, customers can share the company's dividend insurance benefits.

At the same time, the company has set up an account for survival insurance money and dividends, and customers can not receive it, and put the money in the Chinese life interest rollover, which can easily obtain double investment income.

When customers urgently need money, they can apply for a policy loan to obtain emergency cash, and the protection part is still effective, and the loan amount can reach up to 80% of the cash value of the product at the time of borrowing, which fully meets the diversified needs of investors for wealth management products.

Insurance and wealth management have two meanings, including the protection function of insurance products, and the financial management function attached to insurance itself. The financial management function of insurance can realize the appreciation of insurance funds. This appreciation is based on the long-term investment of investment insurance.

Investment insurance is a medium and long-term investment, and the policyholder cannot rush to ask the insurance funds to obtain considerable returns in one or two years.

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

Xueba talks about insurance, focusing on insurance product evaluation! Fulu Xinzun is a two-part dividend insurance under Chinese Life, many people hear the dividends, but do you really understand the dividend insurance? Here's the truth about participating insurance

Why are there so many complaints about participating insurance? Demystifying the mystery of participating insurance

You misunderstand the income part, first of all, about the amount of dividends, the insurance contract clearly stipulates that the dividends are uncertain, and there is no guaranteed income. Let's take a look at the detailed product introduction and revenue calculation!

For example: a 30-year-old man, the birthday pension is set to be received at the age of 55, 10,000 yuan per year, and the insurance amount is only 7357 by calculation, which can be said to be no guarantee at all. Do you think this is the pit?

You can also check out this one:Everyone on the Internet says that Fulu Xinzun is not good, is it true?

Let's take a look at the annuity income function

At the age of 33, you can receive the first survival fund + special survival fund, 1303 + 200 = 1503 yuan, and then add 220 yuan each time, up to 2407 yuan, and receive it every 3 years. If you receive a birthday pension of 100,000 yuan at the age of 55, then you will receive a total of 10,000 yuan at the age of 55; After the age of 55, you can receive a pension of yuan every year.

Even if you don't count the 10-year payment period, only count the 15-year birthday period from the age of 40 to the birthday, the annual interest rate of the actual income is only, and even the income of Yu Yu Bao can throw it a few streets.

The pension after the age of 55 is only available every year, which is equivalent to receiving more than 60 per month.

Finally, when it comes to dividends, it is important to remember that the dividends of all dividend insurance are uncertain, and there is no guaranteed interest rate for Fulu Xinzun, and there is no guarantee of dividend income. If you are considering choosing an endowment insurance, I have screened a batch of better products for your reference:Top 10 Annuity Insurance Points Worth Buying

Xueba talks about insurance, focusing on insurance evaluation! The comparison between 35 participating insurance and 101 mainstream critical illness insurance has been updated35 participating insurances PK 101 mainstream critical illness insuranceDividend insurance is actually a kind of insurance with both protection and dividends, it provides customers with corresponding protection, and at the same time, it also gives customers a certain amount of dividends according to the company's operating conditions, and an insurance takes into account the protection and financial management functions.

Just listening to the word "dividends", is it not good to feel good, you have paid the money, not only guaranteed, but also dividends, but many people regret it after two years after buying, because the income gap between before and after buying is large.

First, the dividends of the policy are not certain and may not be obtained.

Second, the dividend pool is not transparent.

It is precisely because of these two characteristics of dividend insurance that it is difficult to earn from dividend insurance, and therefore the dividend insurance has become a high-incidence area for complaints, and the reasons are in this articleWhy is the dividend insurance frequently complained?! If you are interested, you can learn about it.

At the end of the day, participating insurance is not suitable for everyone, so it is recommended that you do not blindly insure!