Is the best version of China Life Fortune at the moment?

Guoshou Fu is the old critical illness insurance product of Chinese Life Company, due to its large number of people, so this product is well-known and has high sales, but the market has a variety of evaluations for it. Recently, I also heard that Guoshoufu was upgraded, so as soon as the product was launched, I evaluated it, and finally concluded that I am not recommended to buy, due to the word limit, I wrote the reason why I am not recommended to buy in my evaluation article, you can go and see:An article to help you understand this upgrade of Guoshoufu?

It mentions in detail the protection content, advantages and disadvantages of Guoshoufu, and what you should pay attention to when buying Guoshoufu for the first time, so it is recommended that you read it carefully.

Let me briefly talk about what are the optimizations of the China Life Blessing Premium Edition compared with the original version, and should I start it?

1. What are the optimized contents of the updated China Life Blessing Edition?

Let's take the National Life Blessing Premium Edition, the National Life Blessing Supreme Edition and the National Life Blessing Premium Edition to see if the upgraded China Life Fortune is sincere:

Straight to the point: these are the adjustments: the number of minor illness claims has been increased, and the number of critical illnesses covered has been increased.

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

Although the number of minor illness claims of the National Life Fu Premium Edition has been adjusted to three times, which is relatively sincere, but after all, it is a large company, and the operating expenses required are very high, ** is still not low, and it is not recommended to consider China Life Fu for some friends with low budgets.

I compared the hot-selling critical illness insurance products of large companies on the market in 2020, there is too much content, I am afraid you can't understand it, this is the condensed version of the content, you can take a look at this articleA list of critical illness insurance companies worth buying in 2020

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"Is the best version of China Life Fortune at the moment? "All, look!

It's not the best out there, you have to discern carefully.

Summary. Hello, China Life Fortune Whole Life Insurance Premium Edition is a whole life insurance product launched by Chinese Life Insurance Company. The protection liability includes accidental death benefit, and the cash value of the policy, which grows over time, is suitable for long-term investment, but the policy income is not high, the cost performance is decent, and there is no big feature.

How about the National Life Fortune Whole Life Insurance Premium Edition.

Hello, China Life Fortune Whole Life Insurance Premium Edition is a whole life insurance product launched by Chinese Life Insurance Company. The protection liability includes accidental death benefit, and the cash value of the policy, which grows over time, is suitable for long-term investment, but the policy income is not high, the cost performance is decent, and there is no big feature.

If you want to invest for the long term, you can choose China Life Whole Life Premium, the longer the policy, the higher the cash value of the policy, the higher the yield.

But if you want to use money halfway, don't buy this whole life insurance, because if you surrender the policy in the first few years, the cash value of the surrender year is not as much as your premium, and if you surrender the policy, it is not cost-effective to lose the premium.

After 19 years of payment, the insured does not need to pay the insurance premium, but only needs to enjoy the product generation protection in the future period.

The National Life Blessing Edition is a Chinese life.

A whole life insurance policy with additional critical illness insurance.

It's critical illness insurance in nature.

Originally, it was necessary to pay for 20 years, but now it only needs to be paid for 19 years, and you can choose to continue to pay the premium or continue to pay after reducing the amount of insurance for two or three years.

China Life Fortune is a savings critical illness insurance, with comprehensive protection for minor and severe diseases, death claims, additional long-term care for hospitalization expenses, and with China Life such as e Kangyue million medical insurance, the medical insurance combination is better, if you are safe, you can also surrender the critical illness insurance in old age and get money.

The coverage of this product is 100 types of critical illness protection, and once the insured is diagnosed with a critical illness, the eligible person will pay 100% of the basic sum insured; There are also 30 types of mild illness protection, which can be paid multiple times, and the compensation ratio is 20% each time. Consumers need to pay attention to whether the insured amount of personal critical illness insurance is more than 300,000 yuan, and whether they have the ability to continue to pay premiums, so as to deal flexibly according to their actual situation.

Hello! We'd be happy to be able to answer for you. The payment period of China Life Fuzhen Stool Huaixiang Edition can be 19 years and 29 years, and the insurance liability includes critical illness, mild illness, death, and optional exemption of the insured, and does not provide the liability of survival insurance benefits at the end of the payment period.

It is understood that the insurance age of this insurance is 18-50 years old, the occupational type is 1-6 categories, the period is lifelong sensitivity, and the waiting period is 180 days. I hope mine can be helpful to you, thank you for your advice, thank you,.

<> China Life Blessing Enjoyment Edition has been paid for 19 years, the policyholder has no pressure to pay premiums, and the additional insured exemption and policyholder exemption rights and interests have also become invalid, but the protection of death, disability, minor illness, critical illness and so on is still there, if the insured is sick or dies and disabled, the insurance company needs to bear the responsibility of insurance payment according to the insurance contract. However, even if the payment period of China Life Fortune Premium expires, the insured can still enjoy lifelong protection, and can also apply for surrender.

Summary. The value of the premium version of China Life Fortune Whole Life Insurance, which has been paid for four years, is 100,000. This China Life Fortune Whole Life Insurance (Ultimate Edition) is also attached to the China Life Welfare Early Payment Critical Illness Insurance (Ultimate Version), which is worth 100,000 yuan, if Mr. Wang gets seriously ill after the waiting period, and the insurance company pays for the severe illness, the whole life insurance and critical illness insurance will be invalid.

The value of the premium version of China Life Fortune Whole Life Insurance, which has been paid for four years, is 100,000. This China Life Fortune Whole Life Insurance (Ultimate Edition) is also attached to the National Life Fortune Early Payment Critical Illness Insurance (Ultimate Version), with a value of 100,000 yuan, if Mr. Hong Naguo Wang gets a serious illness after the waiting period, and the insurance company pays for the severe illness, the whole life insurance and the serious illness insurance will become invalid.

China Life Fu Whole Life Insurance Premium Edition is a savings critical illness insurance, composed of life insurance and additional critical illness insurance, life insurance and critical illness co-insured, after the loss of critical illness, the amount of life insurance is reduced by the same amount, the product has a failed cash value, if it is safe, the surrender after the age of seventy or eighty can be refunded cash price.

No return of principal is made.

China Life Privilege is a savings critical illness insurance with a lifetime coverage period.

From the perspective of its insurance liability, it provides 100 kinds of critical illness and 30 specific diseases for the insured, with only one payment for critical illness and up to 3 claims for specific diseases, and the amount of each claim is 30% of the basic sum insured. Therefore, the National Life Blessing Edition cannot return the principal, if you want to withdraw money,You can choose between surrender, pledge or line of credit.