At the age of 49, choose which one is suitable for Guoshou Fulu Mantang or Fulu Double Happiness

Hello, thank you for your trust and support for Chinese life products. China Life Fulu Mantang and Fulu Double Happiness are good investment and financial management, pension dividend products. Fulu Mantang is a good pension product, focusing on the elderly.

Fulu Double Happiness is an investment and wealth management product, which can also be attached to critical illness insurance, wealth management and critical illness insurance.

Full of blessings. A good pension product.

Hello! Thank you for your trust and support for Chinese life products! Fulu Mantang tends to provide for the elderly, and while enjoying annual dividends, the return is mainly concentrated in the pension stage; Fulu Double Happiness focuses more on financial management, with a fixed return every 2 years and dividends every year.

Fast time to benefit. Fortune House is more focused on protection, while Double Happiness can add critical illness and premium waiver. As for which product is better for you, it depends on your needs, because there is no best product.

Wishing you good health!

Hello, I am very happy to be able to provide you with insurance financial consulting services, there is no suitable product is not suitable, depending on what you are doing with this insurance, which stage to use this money, so please explain in detail, if you have any questions, you can contact me directly.

Hello, when buying insurance, you can't just look at the so-called big brands. "Only buy the right ones. Don't choose what is valuable" is an eternal truth!

The products of large companies, not every product is suitable for you to buy. Only by finding an insurer with both virtue and ability can we choose the most suitable insurance for you to ensure that your interests are maximized. Smaller companies may have more suitable protection for you, don't believe it, please take a look at the comparison below!

May you be able to buy the right insurance to ensure your lifelong health and happiness! Reference: Hongfu Qi Tian Middle-age Pension Plan is perfect and worry-free for life.

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

A one-time gift to you.

When it comes to critical illness insurance, everyone will think of China Life Insurance, but it has always been controversial because it occupies a large market share. Some time ago, China Life Fu was upgraded and adjusted, and I received the news on the same day that I evaluated the upgraded China Life Fu, but found 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 the details to pay attention to if you want to buy Guoshoufu, which you can refer to if necessary.

Let me briefly talk about what is being updated, is it better than the previous one, and is it recommended to buy it?

1. What are the optimizations of the China Life Blessing Ultimate Edition compared with the original version?

Let's take the China Life Blessing Premium Edition, the China Life Blessing Supreme Edition and the China Life Blessing Premium Edition, and compare them to see the content of the adjustments:

Direct conclusion: The two benefits have been optimized: The number of minor illness claims has been increased The Premium version has increased the types of critical illnesses covered.

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

Although the updated China Life Fu can pay for three mild illnesses, it is relatively sincere, but after all, it is a large company, and the annual brand advertising cost of the company is very high, ** is not low, for people whose budget is not very sufficient, or take a look at other products, China Life Fu is not recommended to choose.

I compared the hot-selling critical illness insurance products of large companies in the market in 2020, which is not very convenient to show here, you can check out this articleTop 10 best-selling critical illness insurance products

That's all for me"At the age of 49, choose which one is suitable for Guoshou Fulu Mantang or Fulu Double Happiness"All, look!

Hello! Choose China Life, absolutely yes! Thank you for your support of Chinese Life! Both products are excellent, and the right one is the best. Upstairs has been thoroughly analyzed, it depends on your needs "tailor-made". Wishing you good health!

Hello: It is recommended to choose whole life insurance with critical illness to protect you! As we age, health and life insurance protection becomes more and more important! After that, you can save for retirement!

Fu Lu Mantang is an endowment insurance, and the participation fee at the age of 49 is very expensive. Fu Lu Double Happiness because of the return of 2 years, the return is too fast, the insurance regulatory Commission stipulates that the sale will be stopped, if you want to buy it quickly, otherwise you will regret it Reference: 0-year-old boy's financial management - Fu Lu Double Happiness China Life Fu Lu exclusive insurance.

Hello: First of all, thank you very much for your recognition and support of Chinese Life, do you choose these two products for pension or financial management? From the perspective of net income, Fulu Double Happiness is a little higher, but from the perspective of meeting the needs of the elderly, Fulu is more reasonable.

Fu Lu Double Happiness is more focused on financial management, and Fu Lu Full House is more focused on protection. Fu Lu is inclined to take the initiative to provide for the elderly, and Fu Lu is inclined to be passive for the elderly. How to choose depends on your preferences and needs.

According to your own needs!!

What is your main purpose in buying insurance? Fu Lu Mantang is a special endowment insurance, of course, Fu Lu double happiness can also be. In terms of comprehensive income, Fulu Mantang is slightly higher. Auspiciousness can be added 353299260 understand, the problem is Guangzhou.

Hello! It depends on what you want to solve by buying insurance. It is difficult to compare the good and bad from the product itself, the key is to suit you.

Hello: There is no good or bad insurance, only the right one is the best. See what problem you want to solve with insurance.

Hello, buying insurance is mainly to buy protection, it can help you solve problems, no matter what kind of insurance is this reference: middle-aged people's insurance plan Insurance plan suitable for all kinds of people. Peace outwitts.

Chinese Life's Fulu Mantang Pension Insurance (Dividend) (Premium Edition) performance is relatively average, the product is a participating pension insurance, if you are not very familiar with the participating insurance, you can first look at this article: about the participating insurance, the salesman will not tell you.

Let's introduce this product! Let's take a look at its security map first:

1. The payment period is flexible.

As can be seen from the figure above, the payment period of Fulu Mantang Pension Insurance (Participating Type) (Preferential Version) is relatively flexible, which not only supports single payment, but also sets a variety of annual payment terms.

If you happen to have a sum of money on hand, you can choose to pay it in a lump sum. All other things being equal, the total premium required for single payment is less than that for annual payment, which is relatively cost-effective.

If you don't know what lump sum means, you can also take a look at this article: What does lump sum mean? What are the benefits?

2. Analysis of guarantee content.

The pension age setting of Fulu Mantang Pension Insurance (Dividend) (Preferential Version) is relatively reasonable, men can choose to receive it at the age of 60 or 65, and women can choose to receive it at the age of 1, which is just in line with the current retirement age.

However, it should be noted that although the Fortune Full Hall Pension Insurance (Participating) (Premium Version) covers death, it does not protect total disability. Some of the same type of products with better performance in the market today will not only protect the death, but also take into account the total disability protection. In this way, when the insured suffers total disability during the insurance period, he can also get a sum of money, which can be used as a ** expense, but unfortunately the product loses the total disability benefit.

The above is the introduction of Fulu Mantang Pension Insurance (Dividend) (Preferential Version), in general, the senior sister believes that the performance of this product is more average, and it is recommended that everyone take a look at other products.

Hello: I am Chengdu Chinese Shou. Your description is relatively simple, it is not easy to make a recommendation, there are more dividend insurance with personal insurance, it depends on your requirements for the level of protection, it is recommended that you understand the comparison between Fuman Life and Fu Lu Mantang, if you want to have this money to provide for the elderly, you will choose Mantang, and the accident protection of Fuman Life is higher.

In fact, buying insurance is still based on your own needs! Whichever one suits you better, you can buy it!

Both are the star products of China Life.

The differences between the two products are:

Fuman has been receiving it from the beginning to the end of his life, 10% annuity + 1% care in the early stage, 20% Fushou in the later stage, and 100% at maturity. With dividends every year.

Fu Lu Mantang does not receive it in the early stage, and it is guaranteed to be received from the age of collection, and it is guaranteed for 20 years. Dividends every year depend on which point you pay attention to.

Pay attention to the early income, that must be a lifetime, pay attention to the later income, Fu Lu must be high.

Dividends: Fulu is higher than a lifetime, and a part of it will be returned every year in a lifetime, and the principal in the early stage of Fuman is not moved, so the dividends must be high.

Risk: low risk in life, high in Fulu, strong in life to resist currency than pension: Fulu is good, can be guaranteed for 20 years, and the pension is much higher than 20% of the life If you put financial management first, pension second, choose a full life.

If you put the pension first and the financial management second, you will be full of blessings.

Chinese Life Fulu Mantang Pension Insurance (Dividend) (Premium Version) can be guaranteed to receive it for 25 years, and the product itself has advantages and disadvantages. As for whether it is "optimal", it depends on how well the product protection matches the individual's insurance needs. Next, the senior sister will give you an analysis of this pension insurance.

Friends who are interested in Chinese life and its products can also take a look at this article first: freshly baked! The top seven [Chinese Life] insurance products in terms of cost performance.

Then let's take a look at the product evaluation chart of China Life Fulu Mantang:

The basic protection content of this pension insurance is the pension and death insurance benefits, and the protection content is decent and not particularly outstanding. Moreover, this is a participating insurance, which has more dividends than ordinary annuity insurance products. Some friends may be more interested in "dividends", so I will tell you about it.

The dividend income of dividends is actually unstable, and even the dividends may be zero in some years. Whether there is a dividend distribution in a specific accounting year depends on the operating conditions of the participating insurance business, and the insurance company cannot give a guaranteed interest rate in advance. Therefore, participating insurance is not necessarily the best choice for us to maximize our wealth Friends who want to know more about participating insurance can also take a look at this article:

About the participating insurance, what the salesman will not tell you.

So we don't have to buy dividend insurance, ordinary annuity insurance is also good. When buying pension insurance, we should not only look at the content of the insurance, but also look at the IRR (internal rate of return). Now the IRR of good annuity insurance products on the market will be infinitely close, and only a small number of annuity insurance IRR can hit 4%.

Fuman Life is a financial insurance with huge protection, which is returned every year, paid at maturity, and dividends every year, with high protection. Wealth management products with their own characteristics have high protection and fast return, which is suitable for pension and financial management. Fuman Life is a new financial product of Chinese Life.

The characteristics are: immediate payment, annual return, annual dividends, and life protection is very high.

Chinese Life Fulu Mantang Pension Insurance is a heavyweight endowment insurance launched by Chinese Life on September 1, 2010, and Chinese Life wants to build this insurance into a brand endowment insurance that is like Corning's critical illness for life. During the insurance period, Fortune Pension Insurance can provide you with multiple benefits such as pension payment, dividend income, and optional pension and dividend accumulation to earn interest. The pension period is divided into 20 years and ends at 0:00 on the corresponding effective date of the year when the insured reaches the age of 85.

Hello, the advantages of that product, it depends on whether you are focusing on that point, full house, do not give money in the early stage, give dividends, and give less than the blessing of a lifetime, but when it comes to the pension, the full house will give more, the full life will be less, the full house can be received monthly, the full life can not be, if you want to see the money quickly will be blessed for a lifetime, if you are a special fund for the elderly, it is still a full house.

Hello friends: When choosing insurance, first of all, consider what problems you want to solve in your life through the tool of insurance, and it will be easy to choose a clear purpose, and then find a local professional ** person to make a suitable plan for you, Mantang is a professional pension product. Fuman Life is a complex product integrating financial management and pension.

If you need a detailed explanation, please contact me!

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 a very representative product in the critical illness insurance of China Life Company, China Life Fu is among the best in the market in terms of popularity and sales volume by virtue of the many ** people of China Life Company, but it is mixed in terms of word-of-mouth In order to adapt to the constantly updated insurance market, China Life Fu was also updated some time ago, but after I have thoroughly evaluated the China Life Fu Ultimate Edition, I do not recommend buying, I say this of course there is a basis, please see my evaluation article for the reason::The most complete evaluation: The secret of the National Life Blessing Edition?

It mentions in detail the protection content, advantages and disadvantages of Guoshoufu, and how to deal with it if there is an accident, so I recommend you to take a look.

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 has been optimized for the China Life Blessing Ultimate Edition?

Let's take the China Life Blessing Premium Edition, the China Life Blessing Supreme Edition and the China Life Blessing Premium Edition, and analyze what new content changes are available in this change:

Direct conclusion: The two main points of protection have been improved: The number of claims for minor illnesses has been increased The number of critical illnesses covered has increased.

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

Although the three minor illness claims are the biggest highlight of the updated China Life Insurance, it is relatively sincere, but after all, it is a large company, and it costs a lot of money on advertising every year, ** is still not low, if you want to choose a more cost-effective and sufficient critical illness insurance, I do not recommend buying the China Life Blessing Ultimate Edition.

I compared the hot-selling critical illness insurance products of large companies in the market in 2020, there is too much content, you can check out this articleA list of critical illness insurance companies worth buying in 2020！It introduces the critical illness insurance products that are worth buying this year, and see if there are any that meet the requirements for you and your family.