What kind of insurance is suitable for my husband in Chinese life

As the largest life insurance company in China, Chinese Life Insurance contains a wide range of insurance. Next, I will talk to you about its main types of insurance, and if you are anxious, you can look here:"This article tells you how the life of Chinese people is, and what types of insurance are mainly involved".

There are many types of insurance for Chinese Life, and whether it is suitable should be combined with their actual needs, so you can first learn more about the specific types of insurance before making a choice:

First, the main types of life insurance for Chinese

(1) Health Insurance:Health insurance mainly includes critical illness insurance, medical insurance, etc., and the various health insurance products of Chinese Life are rich and colorful, and the critical illness insurance represented by Corning has attracted a group of customers.

(2) Term Life Insurance:The term life insurance products launched by Chinese Life are quite rich, which provides a broader space for consumers to make better choices.

(3) Accident insurance:(4) Financial insurance:The biggest characteristic of financial insurance is that it has both protection and financial management functions.

Chinese Life is the first participating insurance product in the industry, which has become a major trend in the industry's financial insurance trend.

(5) Endowment insurance:Old-age insurance can ensure the basic living needs of the elderly, and the various old-age insurance products launched by Chinese Life can indeed enable the public to obtain comprehensive old-age security.

(6) Children's insurance:Most of the Chinese life insurance is also participating insurance, which can provide medical and other health protection for children, as well as education funds and other benefits.

After reading so much, I think there are also many friends who are interested in life insurance products, and I am ready for it:

Second, the main products of Chinese Life

If you are interested, you can also click hereFreshly baked! Top seven [Chinese Life] insurance products in terms of cost performance".

The scale of Chinese Life Insurance Company is among the best among domestic insurance companies, and the types of insurance are still relatively rich compared to most companies. However, it is best for us to choose products based on our actual needs. Hope!

From my personal professional point of view, first of all, the nature of your lover's work needs to buy accident insurance, accident insurance is very cheap, two or three hundred a year can be done quickly, followed by health, you can consider life insurance Corning lifelong critical illness insurance, and secondly, it is enough to come to some endowment insurance, if you are in Beijing, you can contact me for specific details, give me a message to know, remember to buy insurance for your lover, the insured must be signed by him personally, and must not sign on behalf of him. If you sign on behalf of you, the contract is invalid, and if you have an income, don't buy insurance with dividends, and pay attention to protection.

Commercial pension insurance, in a nutshell, 25-year-old example:

1. Choose investment and financial dividend-paying pension insurance, and the long-term considerable rate of return is considerable!

2. Suppose you apply for a pension insurance with financial dividends, the amount of insurance is 50,000 yuan, and the guarantee is lifelong, and it is saved for 15 years, with a total of 80,000 yuan! 8% of the sum insured every 3 years, for life! Then you have 350,000 yuan in your account when you are 59 years old, 20,000 yuan a year for a pension at the age of 60, a total of 400,000 yuan in 20 years, 160,000 yuan in the account when you are 80 years old, and 550,000 yuan in your account at the age of 100!

3. Additional regular repayment critical illness insurance and comprehensive accidental hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements.

Then you can buy him a card policy. Cheap. There is also the insurance type of "China Life Hongfu Insurance", which is triple the compensation for accidents.

Buy adequate accident insurance for your husband first.

If you don't have social security, you need to make a medical supplement.

Finally, there is critical illness insurance.

Do you have to take out insurance in Chinese Life?

(1) Guoshou Xinxiangbao:

This is a regular annuity product, the shortest 3 years to pay, the fastest is 5 years to return, there are special care funds, annuities and special care funds, but usually annuity insurance products can be matched with universal accounts, that is to say, the returned money can automatically enter the universal account, to achieve the second appreciation of funds, this product does not have.

(2) China Life Joy Whole Life Insurance:

China Life Joy Whole Life Insurance is a bancassurance wealth management product, the insurance age is 28 days to 70 years old, the protection is lifelong, the protection liability is simple to cover death or total disability, and also adds passenger traffic accident protection.

The sum insured is compounded and is clearly written into the contract, the amount of coverage is determined, and the sum insured and cash value will increase over time.

If a 40-year-old male pays 1,000 yuan annually for 10 years, then the account value is as follows:

1) 60 years old: 15,077 yuan;

2) 70 years old: 21,249 yuan;

3) 75 years old: 25,229 yuan.

Both the sum insured and the cash value will increase over time, and in addition, the passenger transportation accident benefit can be given an additional 2 times the sum insured;

As the 2022 version of China Life's opening red financial insurance, Xinyu Jinsheng, Xinyu Nian Nian and Xinyu Zhenxiang have their own merits, when it comes to the 5 kinds of Chinese life endowment insurance, we still want to introduce these three opening products:

(3) Xinyu Jinsheng:

It provides survival money, maturity payment, death benefit, and passenger transportation accident protection, which can be attached to any one of Xin Zun Bao whole life insurance A, Xin Yuan Bao Le Xin version, and Xin Zun Bao pension C, but the insurance requirements are 8 years or 10 years (optional) for the main insurance, and the additional insurance is guaranteed for life.

(4) Xinyu Zhenxiang:

It provides annuity, maturity payment, death benefit, and also covers accidental injury and high disability protection, which can also ensure that the interests are not damaged in the event of death or high disability;

You can also have a universal account (choose one of the three), the main insurance coverage is 10 years, and the additional insurance coverage is lifelong.

(5) Xinyu every year:

Xinyu Nian Nian is a pure insurance product for the elderly, dedicated to the elderly, the insurance age is only for the elderly after the age of 60, up to 75 years old can be invested.

Annuity, maturity payment, death benefit, or universal account (choose one of the three) are provided, and the main insurance protection is 10 years for life, and the additional insurance protection is for life.

If you want to talk about the quality of financial insurance, we must start from the expected return, we take a 30-year-old man, pay for 3 years, and protect for 10 years as an example, with the universal account Xin Zunbao whole life insurance paragraph A, calculated according to the mid-range interest rate:

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Chinese Life Insurance Company is a long-established insurance company with a wide range of business scope and comprehensive insurance business, including life insurance, personal accident insurance, health insurance, annuity and other life insurance.

How is Chinese life? We speak with facts! Look down and see the difference

1.The size of the company

Chinese Life Insurance Company is a national super-large financial and insurance enterprise, a Fortune 500 company, headquartered in Beijing, and also has branches in many places in China. China's largest commercial insurance group, none other than Chinese Life, a few domestic insurance groups with assets of more than one trillion yuan, Chinese Life is among them, not only that, among the largest institutional investors in China's capital market, Chinese Life also has a name!

2.Product Introduction

3.Ability to pay

If an insurance company's core solvency adequacy ratio is higher than 50% and its comprehensive solvency ratio is higher than 100%, then the solvency is relatively good. The figure below shows the data on Chinese's life compensation capacity released by the Insurance Association of China:

To be fair, there is really nothing to say about the solvency of Chinese life, which is great! Compared with other companies, how is the solvency of Chinese Life? Take a look at this article:

"2020 Solvency Ranking List of the Most Complete Insurance Companies".

4.Service ratings

Assess all business processes such as sales, underwriting, preservation, claims, consultation, return visits, and complaints of insurance companies, and conduct an overall evaluation of the service status of insurance institutions, and the service ratings are divided into the following types: A, B, C, D, four categories, a total of 10 levels. As for the quality of service of Chinese Shou, it is really good if it is not blown or black, and the service rating is BBB.

Life insurance in a broad sense includes life insurance, health insurance, accident insurance, of which health insurance includes medical insurance, illness insurance, income loss insurance, long-term care insurance and so on. There is no one type of insurance that is the best, only the one that suits your current protection needs is the best.

There is no good type of insurance, it is all outdated insurance!! The deficit is more than 400 billion! The salesman can travel abroad with a premium of 20,000 yuan! Are there any more red points???

Chinese Life's children's insurance has education categories: first, Fuxing Children's Insurance (dividend), pay until the age of eighteen, both adults and children, there are dividends every year, children at the age of eighteen, twenty-two, twenty-five can receive 80% of the sum insured, and 60% of the amount of insurance at the age of 30. Termination of Contract.

The second is Hongyun Children's Insurance (dividend), which pays until the age of 15, and 50% of the insured amount of each of the 18, 22 and 25 years old is terminated. Chinese Life's learning insurance, accident, accident medical treatment and hospitalization medical care are managed, very good. There are also serious illnesses, I don't know where you are, you should consult the local salesman for details.

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

Which is the best type of critical illness insurance for Chinese life insurance? Experts said that the pension of general critical illness insurance generally has to wait until after the age of 50, and if the policyholder wants to receive the survival fund earlier, he can buy the "national life Hongxin" of Chinese Life. This is an upgraded version of China Life Millennium Wealth Management, which is a term insurance that is characterized by quick investment results, and can receive a survival fund of 9% of the basic sum insured every three years, making the family's financial expenditure more flexible.

This insurance is a comprehensive insurance that provides both pension and death insurance coverage. Coverage ages range from 30 days to 60 years old. Hongxin Dual Participating Insurance is the first participating insurance launched by Chinese Life Insurance Co., Ltd. after its listing.

The outstanding advantage of this type of insurance "short-term protection, long-term investment" is the reason why it has won the attention of many citizens.

From the perspective of short-term benefits, customers can receive insurance benefits at 9% of the sum insured every 3 years until the expiration of the insurance period, and the proportion of receiving is higher than in the past; From the perspective of long-term benefits, customers can also receive a one-time life allowance prepared by the company at the age of 80 on the expiration date of the insurance at the age of 80. The policyholder can also enjoy the dividends of the previous year according to the company's operation every year, and the income grows synchronously with the company's development, and the investment income is not capped, the lower limit is guaranteed, and the risk is zero. In addition, in addition to financial income, insurance also has a protection function, such as the death of the insured due to accident or death due to illness one year later, Chinese Life will pay 200% of the sum insured death insurance benefit.

Which is the best type of critical illness insurance for Chinese life insurance? Do you have a plan in mind? In fact, we buy insurance for protection, and the cheapest insurance products are often additional insurance.

Therefore, experts suggest that after purchasing participating insurance, you should also selectively purchase one or two additional insurances to help you get comprehensive and thoughtful protection with the least amount of money.

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

Chinese's life insurance types include children's insurance, health insurance, old-age insurance, protection insurance, two insurances, accident insurance, additional insurance, participating insurance, group (enterprise) annuity, etc. Wage earners should choose medical insurance and protection insurance first, so that they can get financial compensation in time when they are sick or accidentally disabled. If you are a successful person who goes to the sea to do business, it is recommended that you have a high income at the same time, you must have high protection, high protection insurance, medical insurance must be sufficient, if you can take into account children's education and pension insurance, the protection will be more comprehensive, of course, you can also achieve the purpose of pension through the investment function of dividend insurance.

If you are a civil servant who is relatively blind in all aspects of protection, it will be a good choice to buy some savings and investment dividend-paying insurance (insurance and wealth management). If you are new to the society and have a small and unstable income, you can buy some short-term accident insurance with low fees, and then gradually buy other types of insurance when you have a certain financial foundation in the future.

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

Hello, as one of the largest insurance companies in China, Chinese Life Insurance Company is relatively rich. Generally, it can be divided into: accident insurance, travel insurance, health insurance, life insurance, home property insurance, corporate insurance, etc.

For individual insurance, it is recommended to improve the protection before considering investment and financial management when applying for commercial insurance. The most common types of life insurance that people buy are mainly accident insurance, health medical insurance and commercial endowment insurance. First improve the common protection insurance types such as critical illness, hospitalization, accidental injury, etc., and then choose annuity insurance, universal insurance, participating insurance, investment-linked insurance and other investment and wealth management insurance according to your own economic strength and financial requirements, which can give you more comprehensive protection and the best financial management combination.

It is appropriate to invest around 10% of your annual income.

Hope it helps.

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