Can I change the payment period of China Life Fulu Double Happiness Insurance Participating Type?

Theoretically, yes, but the actual operation of China Life is too laborious and there are many things, you go to the local provincial company or city company counter or something.

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.

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. 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, empty words, the reason for this is written in my article: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 of Guoshoufu, and how to deal with it if there is an accident, so you must read it before buying.

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, and see what are the upgraded and optimized safeguard measures:

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 operating costs are still there, ** is not low, if it is a friend who pays more attention to cost performance when buying insurance, Guo Shoufu should not be considered.

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

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"Can I change the payment period of China Life Fulu Double Happiness Insurance Participating Type?"All, look!

After 10 years, the full return of the principal will not be possible until the age of 75. The maturity insurance benefit will be returned at the age of 75 to meet the customer's capital preservation psychology.

Fulu Double Happiness products have the following highlights:

2"——Return the survival fund every two years, the earlier you subscribe, the more you will receive;

0"——Zero risk of principal, full repayment of principal at maturity;

10" - 10% of the sum insured will be returned each time the survival fund will be returned. At the same time, you can apply for a policy loan 10 days after the policy takes effect, which solves the confusion of insufficient capital turnover for customers.

Summary. In general, it is possible to return the principal, Fu Lu Double Happiness dividend insurance has been paid for ten years, and it is not in the hesitation period, according to the regulations of the insurance company, only the cash value of the policy can be refunded, and there is a cash value table in the insurance contract, look at the corresponding amount of ten years, and then pay attention to the general calculation of the amount of insurance per 1000 yuan, if you are not clear, you can ask the insurance company for help. After 10 years of payment, you can receive a certain amount of dividends and interest, and return the premium at the end of the insurance period, that is, at the age of 75.

After surrendering the policy, the loss is relatively heavy, so you should think carefully before making a decision.

The participating type of China Life Fulu Double Happiness Insurance pays 10,000 yuan per year, and the 10-year payment period expires, can the policy be surrendered in full?

In general, it is possible to return the principal, Fu Lu Double Happiness dividend insurance has been paid for ten years, and it is not in the hesitation period, according to the regulations of the insurance company, only the cash value of the policy can be refunded, and there is a cash value table in the insurance contract, look at the corresponding amount of ten years, and then pay attention to the general calculation of the amount of insurance per 1000 yuan, if you are not clear, you can ask the insurance company for help. After 10 years of payment, you can receive a certain amount of dividends and interest, and return the premium at the end of the insurance period, that is, at the age of 75. After surrendering the policy, the loss is relatively heavy, so you should think carefully before making a decision.

If you want to return, how much can you return.

Dear, the cash value on the contract corresponds to the tenth year is the surrender amount.

Generally, after paying the dividend insurance for ten years, you can get more than the principal.

If the participating type of China Life Fulu Double Happiness Insurance has been paid for ten years, as long as it depends on how the contract for the purchase of insurance is agreed at that time, if the term is ten years, it can be returned in full, and there is interest.

You need to carefully read the detailed terms on the policy or consult the insurance company.

China Life Fulu Double Happiness Insurance (dividend), 3000 per year, 10 years of insurance period. After paying for ten years, can I get back the principal by surrendering the policy?

Hello, dear, the participating type of China Life Fulu Double Happiness Insurance cannot get back the principal after 10 years of surrender, that is, it cannot return the principal. Fulu Double Happiness Participating Guaranteed Survival Insurance, which returns 10% of the sum insured every two policy years; Death benefit; If the insured survives safely until the expiration of the insurance period, the insurance company will return the maturity insurance amount for payment. If it is based on the mid-range interest rate, the Fulu Double Happiness dividend type will have to pay for at least 13 or 14 years to pay back.

It should be noted that if the survival insurance money of Fulu Double Happiness Dividend is not received, but is placed in the account for interest calculation, it is still more cost-effective, but if you surrender the policy halfway, you may suffer economic losses.

First of all, how to sign the contract, if it can be returned after ten years, it can be refunded, and it is not considered a breach of contract.

Hey, check out the Phantom Insurance Contract you signed with the insurance company to see if you can do so in ten years.