Has anyone ever bought Huaxia Life s FLM insurance?

FLM is an annuity insurance launched by China Life Insurance, want to buy endowment insurance? Let's start with annuity insurance:"Annuity Insurance Income Is So High? Don't be fooled by the calculus returns! 》

There are many versions of Huaxia FLM annuity insurance, FLM (auspicious Ruyi version) is the latest product, and the old version can open a universal account, many people ask me how about this annuity insurance, is it worth buying!

Without further ado, let's start with the picture above:

1. Fulinmen (auspicious Ruyi version) guarantee content

FLM (auspicious Ruyi version) supports people aged 0 70 to buy, and can choose to pay for up to 20 years. Annuity insurance is generally calculated by premium, 30-year-old male, pay for 10 years, 100,000 per year, do not choose to celebrate life, the sum insured (annuity) is 10,000;

This product includes death and total disability protection, and comes with the policyholder's exemption protection, and the income has 3 parts, one is the annuity return, the annuity amount = the sum insured; the second is the compound interest appreciation of the universal account; The third is the optional premium refund.

2. What is the annuity income of FLM (auspicious Ruyi version).

30-year-old men, pay 100,000 yuan a year, a total of 10 years, do not celebrate longevity;

Payment period (30-39 years old): 1 million in 10 years;

Return period (5 years): Annuity will be received at the age of 35, and 10,000 yuan will be received every year until life.

3. Fulinmen (auspicious Ruyi version) universal account income

There are 3 versions of FLM auspicious Ruyi universal account, the gold butler HP version requires a total premium of more than 10 to be opened, the diamond version requires a total premium of more than 150,000, and the winner version has higher requirements.

The returned annuity will not be claimed, and will be automatically transferred to the universal account and increased by monthly compound interest. The interest rate calculated by the insurance company may be calculated at 5% interest rate, but in fact, the guaranteed interest rate of the inclusive version is only, and the other two guaranteed interest rates can only reach 3%. At the current interest rate, the actual achievable returns can be found in this article:

Huaxia [FLM]: Is it worth buying annuity insurance for big brands? 》Hope!

As long as the insured meets the claim standard of the corresponding insurance product, the insurance company will settle the claim according to the corresponding proportion, and there will be no such thing as refusal, unless everyone triggers the exemption clause.

Is Huaxia Insurance reliable? You need to know these precautions!

So in the next time, the senior sister will take the "FLM (Collector's Edition) Annuity Insurance" under China Life Insurance as an example to introduce to you how the protection of this product is!

1.The payment period is flexible.

You can see from the product picture given above by the senior sister that there are 5 options for the payment period of FLM (Collector's Edition) annuity insurance, namely single payment, 3 years, 5 years, 10 years and 20 years, and the payment period is relatively flexible.

From this point of view, the payment period of FLM (Collector's Edition) annuity insurance can give the insured a higher degree of flexibility, and everyone can fully choose the payment period that suits them according to their own economic conditions when applying for insurance.

Learn this trick and stay away from the 99% pit of annuity insurance.

2.Guaranteed content analysis.

According to the terms and conditions, the protection liability of the annual sales section of FLM (Collector's Edition) Kaijin Insurance is related to love money, annuity and total disability insurance benefits, in addition, this product also sets up three other rights and interests services such as policy pledge borrowing, automatic premium payment and insurance reduction, which greatly improves the practicability of the policy.

If the insured encounters an economic crisis during the insurance period, he or she can apply for a policy pledge loan from the insurance company to help him survive the economic crisis under the premise of meeting the conditions!

So in addition to FLM (Collector's Edition) annuity insurance, what other annuity insurance products are worth insuring? Senior sister will tell you in one article:

Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Summary. How about Huaxia Life Fulinmen Annuity Insurance.

Hello, Huaxia Insurance has more Fulinmen annuity insurance, which one are you buying, because the insurance contract of the royal defense banquet for each Fulinmen annuity insurance is different, and the corresponding product liability and protection are also different.

FLM Annuity Insurance (Wealth Edition) is the best, the insurance contract expires for 10 years, and it is 100% return on the maturity insurance for 10 years, which can reach multiple of the principal. At the same time, the bound universal account can achieve compound interest and value-added for life. Tease pants.

Huaxia FLM (Children's Edition) Annuity Insurance is an annuity insurance product of Huaxia Insurance. Huaxia Insurance has performed very well in the market, and has been listed in the Fortune Global 500 for two consecutive years, with a cumulative total premium of 100 million yuan as of the end of January 2023, ranking fifth in the market.

Next, the senior sister will introduce Huaxia Fulinmen (children's version) annuity insurance to everyone.

Let's take a look at its security map first:

1. Analysis of the policyholder's exemption from liability.

Huaxia FLM (Children's Edition) Annuity Insurance provides the policyholder with an exemption guarantee, which allows the policyholder to waive the remaining unpaid premiums when the contract occurs during the payment period. This is more advantageous for the insured, after all, the child still needs to bear the premium before the child is independent, and with this protection, you can avoid the situation that the policy will lapse due to the fall of the parent.

However, it should be noted that the premise for this benefit to be triggered is that the insured is under the age of 60 at this time and is not the same person as the insured.

2. Take into account the total disability protection.

Huaxia FLM (Children's Edition) Annuity Insurance not only provides death protection, but also takes into account the total disability protection of the hardship base.

In this way, if the insured unfortunately becomes totally disabled, the expenses during the ** and ** period can be regarded as settled, which can reduce some financial pressure for him, which is still very good.

For more information about Huaxia Fulinmen (Children's Edition) annuity insurance, the senior sister has been sorted out here in Lu Qishi, if you want to know more details, you can move here:The guaranteed interest rate of Huaxia FLM (Children's Edition) universal account is as high as 3%? Is it really reliable for early limbs?

The above is the introduction of Huaxia FLM (Children's Edition) Annuity Insurance, if you still can't make up your mind after reading the analysis of the senior sister, you can also compare other products. After all, you need to compare and contrast to know which product is more suitable for you. Hope!

Huaxia Insurance's FLM is an annuity insurance (participating), which covers annuities and total disability insurance benefits, but the policy dividends are uncertain.

There are many other versions of the annuity insurance products of the FLM series, and the senior sister specially found one of them, and if you are interested, you can take a look

Is Huaxia Life Insurance off to a good start? After reading the earnings, I was silent.

So below, the senior sister will come to conduct a simple evaluation of Fulinmen annuity insurance (dividend-paying type), not much nonsense, directly above:

1.Flexible payment terms.

There are a total of 5 payment terms for FLM annuity insurance (dividend), which are single payment, 3 years, 5 years, 10 years and 15 years, so that the policyholder can choose the appropriate payment period according to their payment habits.

2.Narrow age range.

The age range of FLM annuity insurance (participating type) is 28 days old and 55 years old (inclusive) who were born and discharged from the hospital, which means that the elderly over 55 years old are unable to apply for this product.

However, you should know that there are many products of the same type on the market, and the maximum underwriting age can reach 65 or 70 years old.

But don't worry, there are still a lot of excellent annuity insurance products on the market? Just like these products:

Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

3.Long waiting period.

The waiting period for FLM Annuity Insurance (Participating Type) is as long as 180 days, which means that the insured can only enjoy protection after 180 days after the contract takes effect.

During the waiting period, the insurance company will not pay? I don't understand, but I want to eat a big tease and shoot the envy of the mountain forest!

Huaxia's Fulinmen brother is an annuity product, and the specific annuity payment plan depends on whether it is suitable for you. Don't focus too much on the benefits, the investment benefits are directly proportional to the investment risks.

In fact, there is no such thing as deception in insurance products, and different products have different functions. It's not that if you buy a product, you'll be fine. If you are afraid of being fooled, you can communicate more with the insurance marketer, sort out your doubts, and then verify with the company's 400**.

Even if you have already bought it, there is a 10-day cooling-off period after signing the receipt, during which the surrender is fully refunded.

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

As of March 12, 2015, the cumulative annual premium of Huaxia Insurance exceeded 50 billion. Won 50 billion premiums in two and a half months, such an astonishing data really shocked both inside and outside the industry. China Life Blessing Gate (Heirloom Edition)?

Huaxia Insurance continues to continue its keen sense of the economic market, and the blockbuster "Fu Lin Men" series of new works - China Life Fu Lin Men (Heirloom Edition).

Freshly baked Huaxia Fulinmen (heirloom version) returns 10,000 yuan per year before the age of 60, 30,000 yuan per year after the age of 60, and a one-time return of "all the premiums paid" at the age of 70 After the age of 70, it will continue to return 30,000 yuan per year, and the old contract is over, and then return the "all the premiums paid" again. As soon as it was listed, it attracted the attention of consumers and sales were booming.

At the age of 65, you will be 70 years old after 5 years of retirement. At the age of 70, you can get all the premiums paid, which is the life expectancy. The principal that can be seen is your own and can be used for your own use.

And after getting the principal, the contract is not terminated and the money is still returned for life, the longer you live, the more valuable it is, and the higher the value.

Secondly, the greater of the premium paid and the value of the cash in this contract shall be refunded to the second principal. Nowadays, the elderly can leave very few inheritances to their children, and the parents are still the children who pay for the illness, and many people are old and dying and cannot leave any assets to their children, but take away a lot of property and even money and property due to illness. The second return to the capital of Inheritance Fulinmen 2016 solves this problem, no matter what the situation is, there is a fixed asset buried in the spine and left to the children after a hundred years as an asset inheritance, which can truly achieve the word inheritance.