I do China Life Fortune Life Insurance, how much risk insurance is left, and how much can I pay at m

Xueba talks about insurance, focusing on insurance product evaluation! Read this comparison table of the latest 136 popular critical illness insurances

There is an endless discussion of China Life Fu in the market, which is worthy of being a classic product of China Life. Previously, in order to cater to the changing market, China Life Company adjusted and upgraded China Life Fu. But is the upgraded product better?

I stayed up late last night to read various terms and information, I don't recommend buying, due to the word limit, I wrote the reason why I don't recommend buying in my review article, you can go and see:A must-see before you buy! Is the upgraded China Shoufu good?

Strengths and weaknesses sorted out?

It mentions in detail the protection content, advantages and disadvantages, and issues to be paid attention to before purchasing, and you can save it and look at it again if necessary.

Let me briefly talk about whether the content of the upgraded China Life Welfare Insurance has changed, is it worth buying?

1. What new protection content has been updated by China Life Welfare and what is the difference from the previous version?

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 version has increased the types of critical illnesses covered.

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

Although the number of mild illness claims of the China Life Blessing Edition has been adjusted to three times, which is quite sincere, but after all, it is a large company, and the annual brand advertising expenses spent by the company are very high, ** or not low, if it is not a friend who has a soft spot for the China Life brand, it is still recommended to look at other products.

I compared the hot-selling critical illness insurance products of large companies on the market in 2020, and I have more details and too many words, you can check out this articleThe most complete collection: Top 10 popular critical illness insurance products in 2020

It is recommended to take a look to understand what are the mainstream critical illness insurance products on the market.

That's all for me"I do China Life Fortune Life Insurance, how much risk insurance is left, and how much can I pay at most? "All, look!

The sum insured varies depending on gender and age. Insurance practitioners know that they have 1 insurance clause, and each insurance clause is followed by 1 insurance amount table. The sum insured per $1,000 premium for different ages and genders is all clear.

If the landlord is for the purpose of investment and financial management to buy dividend insurance, it is best not to expect too high, the actual dividends in the last 10 years have fully demonstrated that the actual income of the insurance company's dividend insurance is very, very low; Of course, insurance has the protection functions that other investment channels do not have, such as tax avoidance, asset transfer and debt avoidance.

Your age is not suitable for a lifetime, this is a 75-year-old repayment product, due to the short cycle, you get a relatively small profit. Therefore, it is not recommended to take out insurance due to your age.

Summary. Hello, return the principal at maturity.

China Life Fortune Life Insurance (Participating Type), this insurance is a life and death insurance, with maturity insurance and death insurance, after the insurance agreed period, the principal will be returned after expiration, and the premium will be returned according to 150% of the basic sum insured.

Does China Life Fortune Life Insurance (Participating) return the principal after maturity?

Hello, return the principal at maturity. China Life Fortune Life Insurance (Participating Type), this insurance is a life and death insurance, with maturity insurance and death insurance, after the insurance agreed period, the principal will be returned after expiration, and the premium will be returned according to 150% of the basic sum insured.

As long as the insurer survives the expiration of the insurance contract within the time limit of the insurance contract, you can get the maturity insurance payment, which is 150% of the basic sum assured, and you can get all the premiums you paid.

Summary. Hello, in 10 years, if you pay 7,000 per year for 10 years, you can withdraw the principal of 70,000 yuan after 10 years, as well as the dividend interest of the current year. After the expiration of 10 years, you can get back all the principal, but if you get back the full principal, even if the insurance is completely withdrawn, there will be no dividends after that.

I bought China Life Fuman Life (Dividend) Insurance, which is 7,000 yuan per year and expires in 10 years. Pls I can withdraw 70,000 after 10 years.

Hello, in 10 years, if you pay 7,000 per year for 10 years, you can withdraw the principal of 70,000 yuan after 10 years, as well as the dividend interest of the current year. After the expiration of 10 years, you can get back all the principal, but if you get back the full principal, even if the insurance is completely withdrawn, there will be no dividends after that.

After the expiration of 10 years, you can get back all the principal, but if you get back the full principal, even if the insurance is completely withdrawn, there will be no dividends after that.

The insurance liability of the participating type of China Life Welfare Insurance: 1. The special survival fund shall be paid by the company every year according to 1% of the insurance premium paid for the first time in this contract from the effective date of this contract to the date before the beginning of the receipt of the life insurance agreed in this contract.

2. From the effective date of this contract to the date before the start of receiving the longevity pension agreed in this contract, if the insured survives to the corresponding date of the effective date of this contract, the company will pay the care fund at the rate of 10% of the basic insurance amount every year.

Summary. This depends on the cash value of your policy so far to calculate how much you will return when you surrender the policy.

Can I get the money back after 10 years of life insurance, I have an insurance amount of 10,000, 6,000 per year, if I surrender the policy, how much will I lose.

This depends on the cash value of your policy so far to calculate how much you will return when you surrender the policy.

It is also stipulated in the insurance contract.

How do you know the cash value of the policy?

There are two ways to look at the insurance contract, which contains a trial calculation of the value of cash and how much Dongfeng money is each year. The other is to contact the customer service of China Life Insurance and ask how much money can be returned if the policy is surrendered now.

If you don't know how to read the contract, it is recommended that the second option is more secure, and you can also ask more clearly.

After the insurance is surrendered, the insurance cost is paid by the policyholder or the insured.

What about the insured.

This kind of insurance is generally the same person as the insurer and the insured, and if they are different, the insured is also the insured.

If the insured insists on surrendering, does the insurer have the right to block it?

Surrender can only be done with the consent of the insured.

It is not up to the insured to have the final say.