What is the percentage of the commission of China Life Fulu Gold Endowment Insurance Participating I

Xueba talks about insurance, focusing on insurance product evaluation! I have evaluated all the 136 critical illness insurances that have been hot in the market in the past two years, and the overall is still good: the latest comparison table of 136 popular critical illness insurances

As one of the most discussed critical illness insurance products in the market, China Life Fu currently has a high sales volume in the market, but everyone's controversy over it has not stopped. Recently, I also heard that Guoshoufu was upgraded, so as soon as the product was launched, I evaluated it, and finally came to the conclusion that I do not recommend buying, due to limited space, I wrote the detailed reasons here:Heavy!

A comprehensive and in-depth evaluation of China Life Fu, look before you buy?

It mentions in detail the protection content, advantages and disadvantages of Guoshoufu, and the issues to be paid attention to when buying Guoshoufu, which is recommended for you to take a look.

Let me briefly talk about the optimized content of the adjusted China Life Blessing Edition, and is it good now?

1. What are the new additions to the updated Guoshoufu?

Let's take the China Life Blessing Premium Edition, the China Life Blessing Supreme Edition and the China Life Fortune Premium Edition to see what new changes are made in this update:

Direct conclusion: There are two main changes in the content: Increasing the number of minor illness claims The Premium Edition enriches the types of critical illnesses covered.

2. Is it worth buying the National Life Blessing Edition?

Although the updated China Life Fu has 3 minor illness claims, it is relatively sincere, but after all, it is a large company, and the advertising cost is still very high, ** is not low, for friends who do not have a lot of budget when buying insurance, take a look at other products, China Life Fu premiums are too high.

I compared the hot-selling critical illness insurance products of large companies on the market in 2020, the length is too long, and it is inconvenient to display, you can take a look at this articleTop 10 Best-Selling Critical Illness Insurance Products to Buy

The ten critical illness insurances in it are all hot-selling on the market and can be used as a reference.

That's all for me"What is the percentage of the commission of China Life Fulu Gold Endowment Insurance Participating Insurance?"All, look!

It depends on the number of years of payment, and the commission is different depending on the number of years of payment.

How to receive money after paying enough money for China Life Fulu Gold Insurance (Participating Type).

Hello, glad to answer for you. The income of China Life Fulu Jinzun dividend-paying products is divided into the following parts: 1. Survival gold

Before the birthday date, it will return once every 3 years, and return 15% of the sum insured for the first time, and increase the sum insured by 3% each time thereafter. After receiving the age of life pension, 10% of the sum insured will be received every year, which can be returned every year until life. 2. Special Survival Payment:

Before the date of receiving the life allowance, it will be paid once every three years, and the premium will be 2% each time. 3. Birthday payment: 100% premium.

The protection content of China Life Fulu Xinzun Insurance (Participating Type) is survival insurance money, special survival benefit, life benefit and death insurance benefit, as well as the right to borrow and reduce insurance.

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

1.Analysis of insurance conditions.

In addition, the payment period of this product is 3 years, 5 years and 10 years to choose from, and the age of receiving the life pension is 55 60 65 70 75 years old, you can choose the option that suits you according to your own needs.

However, the age range of this product is not very wide, you know, there are many products of the same type on the market, their maximum underwriting age can reach 70 years old, and the maximum underwriting age of this product is only 60 years old, compared with other products, Fulu Xinzun both insurance (dividend) can cover not many people.

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

2.Other benefits analysis.

From the terms, we can see that the other rights and interests of Fulu Xinzun Comprehensive Insurance (Dividend) are only borrowing and reducing insurance, although these two rights and interests can help you resist some risks when you have financial difficulties, but you should know that there are many comprehensive insurance products on the market that not only have loans and insurance reductions, but also reduce the amount of payment or premium advance.

Compared with these products, the competitiveness of Fulu Xinzun Insurance (Dividend) will be somewhat weak.

So are there any comprehensive insurance participating products on the market that are worth insuring? Check it out:

The ranking of both insurance dividends is newly released! Is there one you like?

China Life Fulu Double Happiness Insurance (Dividend), the payment period of insurance premiums is ten years, the salesmen of different departments, the commissions that can be obtained are not the same, the commissions paid for ten years of participating insurance, the first year is generally in the range of 15% to 25%, the second year is half of the commission range of the first year, the third year is half of the above commission range in the second year, and there is no commission in the fourth year. (The content is for communication and reference only).

If you have any other insurance questions, please come: more insurance fish talk about insurance! ，

Summary. Hello, sorry for your question.

6.Borrowing: One of the big points of this product is that the cash value is the highest product, so the policy borrowing function is particularly strong, making the funds more flexible.

5.Dividends: Dividends are paid every year before the principal is repaid, and dividends continue to be distributed after the principal repayment to resist inflation.

4.Return: The above is the income after the repayment of the principal, and the income before the repayment of the principal is also considerable, and a survival pension can be received every three years, and it has been increasing by 3%, up to 30% until the age of 55.

3.Gift: A funeral fee can also be given after death.

Insurance, China Life Fulu Xinzun Insurance (Dividend) Details.

2.White-collar workers: After repaying the principal, you can also be white-collar workers every year, all the way to life.

1.Return: Fulu Xinzun This product is the earliest product of Chinese life return, and the earliest return time is 55 years old.

China Life Fulu Xinzun Insurance (Participating).

Hello, sorry for your question. 6.Borrowing:

One of the big points of this product is that the cash value is the highest product, so the policy borrowing function is particularly strong, so that the funds become more flexible. 5.Dividends:

Dividends are paid every year before the principal is repaid, and dividends continue to be distributed after the principal repayment to protect against inflation. 4.Return:

The above is the income after the repayment of the principal, and the income before the repayment of the principal is also considerable, and a survival pension can be received every three years, and it has been increasing by 3%, up to 30% until the age of 55. 3.Gift:

A funeral fee can also be given after death. Insurance, China Life Fulu Xinzun Insurance (Participating Type) Detailed Explanation 2White collar workers:

After repaying the principal, you can also be white-collar every year, all the way to life. 1.Return:

This product is the earliest product of Chinese Life Return, and the earliest return time is 55 years old.

When to start countering money. Year.

Summary. Hello dear! Now for you to answer the question of how about China Life Fulu Xinzun Insurance (Participating Type):

The protection content of China Life Fulu Xinzun Insurance (Dividend) is survival insurance, special survival insurance, life insurance and death insurance, as well as the rights and interests of borrowing and reducing insurance. In addition, the payment period of this product is 3 years, 5 years and 10 years, and the age of receiving the life pension is 55 60 65 70 75 years old, you can choose the option that suits you according to your own needs.

How about China Life Fulu Xinzun Insurance (Dividend-paying).

Hello dear! Now I will answer for you How about China Life Fulu Xinzun Insurance (Participating): It is quite good, the protection content of China Life Fulu Xinzun Insurance (Participating) is survival insurance, special survival insurance, life insurance and death insurance, and it also has the right to borrow and reduce insurance.

In addition, the payment period of this product is 3 years, 5 years and 10 years, and the age of receiving the life pension is 55 60 65 70 75 years old, you can choose the option that suits you according to your own needs.

Kiss China Life Fulu Xinzun both insurance participating product features.

1. 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 every three policy years, the company shall pay the survival insurance money according to the following agreements: the survival insurance money paid by the company for the first time shall be 15% of the basic insurance amount; The survival insurance benefit paid each time in the future shall be increased by 3% of the basic insurance amount on the basis of the previous payment amount, but the survival insurance benefit paid each time shall not exceed 30% of the basic insurance amount. From the date of receipt of the life allowance agreed in this contract, if the insured survives to the corresponding date of the effective date of this contract, the company will pay 10% of the basic insurance amount every year.

2. 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 every three policy years, the company shall pay the special survival fund according to the annual premium (excluding interest) paid under this contract2. 3. 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. 4. If the Death Benefit Insured dies before the effective date of this contract and the corresponding date of the year when he reaches the age of 18, the Company shall pay the death insurance benefit according to the insurance premium (excluding interest) paid in this contract, and this contract shall be terminated.

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 Xinzun Insurance (Participating Type) Insurance Liability.

Hello dear, China Life Fulu Xinzun Insurance (Dividend) Insurance Liability: 1. Survival Insurance: Before the date of receiving the life insurance, if the insured survives to the corresponding day of the zodiac for every 3 policy years, he can receive 15% of the sum insured for the first time, and then increase the sum insured by 3% on the basis of the previous one each time.

After receiving the birthday payment, 10% of the sum insured will be paid every year. After receiving the life allowance, you will receive 10% of the sum insured every year2, special survival fund: before the date of receiving the life pension, you can receive a special survival fund every 3 years, and you will receive 2% of the sum insured each time.

3. Life Payment: The age of receiving can be 55 years old, 60 years old, 65 years old, 70 years old, 75 years old, and 100% of the premium paid can be received at one time when you reach the agreed age. 4. Death Benefit:

If the insured dies before the age of 18, 100% of the premiums paid will be refunded. If you die after the age of 18, but in order to receive the life benefit, 105% of the premium will be refunded, and if you have already received the life payment, the cash value and the sum insured will be paid according to the greater of the cash value. 5. Dividends:

This product can enjoy dividend distribution, and the dividend is determined according to the actual operating conditions of the participating insurance business in the previous fiscal year of the insurance, so the dividend of the product is uncertain and depends on the actual operating conditions of the insurance company.