Life Rich Wealth Insurance, Life Wealth Wealth Annuity Insurance Participating Type

Hello, I am the marketing consultant of Life Insurance, yes, for example, you are 30 years old this year, buy 50,000 yuan of the sum insured, then your annual premium is 14,400 yuan, pay for ten years, the insurance period is 81 years old, our company's insurance has a hesitation period, the hesitation period is ten days, after the hesitation period to return nine percent of your insurance amount, that is, 4,500, and then every two years before the age of 60? (50,000 + Accumulated Dividend Sum Insured) 9, a total of 15 claims. Pension:

After the age of 60, you will receive (50,000 + Accumulated Dividend Sum Insured)10 every year, a total of 22 times. All the above rebates can be entered into the gold butler universal account compound interest rollover, to achieve secondary value-added, 81 years old can be a one-time account amount + final bonus. Life Support:

In the event of death or total disability due to illness within one year, the company will refund the insurance premium paid for basic liability without interest and deduct the survival insurance premium received; In the event of death or total disability due to accidental injury or illness after one year, 105% of the basic liability premium paid + the cash value of the accumulated dividend sum assured will be paid.

3. Special care: If the insured is under the age of 60 and dies or is totally disabled due to an accident, the follow-up premium will be exempted.

Risk Warning: Nirvana Universal Annuity Insurance (Dividend) is a participating insurance, and the dividends are distributed by increasing the amount of dividends insured, and the dividend distribution is uncertain, and the actual dividends are subject to the company's operating conditions.

The participating type of Life Wealth All-round Annuity Insurance has three major advantages, namely, dividends of the sum insured, greatly increasing the dividend base and universal gold account, allowing the second appreciation of funds and the rapid return of 9% survival fund payment, fully protecting the investment and financial needs of customers.

Here are the must-see contents before purchasing annuity insurance! By the end of this article, you will be more professional than 80% of insurance salesmen"Annuity Insurance Purchase Strategy Sharing! Don't jump into these pits anymore! 》

Life Wealth All-round Annuity Insurance Participating Insurance Liability:

1. Survival Money:

After the cooling-off period, 9% of the basic sum insured will be refunded

9% of the basic sum insured + accumulated dividend sum insured every two years until the age of 60

From age 60 to 81, 10% will be refunded annually (basic sum insured + accumulated dividend sum assured).

2. Death or total disability insurance benefit

In the event of death or total disability due to illness within one year, the company will refund the insurance premium paid for basic liability without interest and deduct the survival insurance premium received; In the event of death or total disability due to accidental injury or illness one year later, 105% of the basic liability premium paid + the cash value of the accumulated dividend sum assured will be paid.

3. Accidental death and total disability waiver of the policyholder

If the insured person dies or becomes totally disabled due to accident between the ages of 18 and 60, the renewal premium for basic liability will be waived.

When purchasing annuity insurance, you can consult Mint Insurance, and the consultants matched to users by the Mint Insurance Platform are all strictly screened certified consultants, who have the qualification of the China Banking and Insurance Regulatory Commission and have rich experience in family insurance planning and consulting. Customers can choose to meet online or offline.

The date on which the insured person reaches the age of 81.

Basic Liability: Survival Insurance Benefits:

1) If the insured is still alive at 0:00 on the next day after the end of the cooling-off period, the company will pay the survival insurance benefit at the rate of 9% of the basic insurance amount;

2) If the Insured is still alive at 0:00 on the anniversary of each second insurance contract after the effective date of this contract, the Company will pay the survival insurance benefit at the rate of 9% of the sum of the basic sum insured and the accumulated dividend sum insured until the first anniversary of the insurance contract after the insured reaches the age of 59;

3) If the Insured is still alive at 0:00 on the anniversary of each insurance contract after the Insured reaches the age of 60, the Company will pay the survival insurance benefit at the rate of 10% of the sum of the basic sum insured and the accumulated dividend sum assured until the first anniversary of the insurance contract after the insured reaches the age of 81, and this contract will be terminated.

Life is rich and omnipotent is such insurance, if it is the person who needs it, it is the best.

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

During the validity period of this contract and after the cooling-off period, if the insured person does not have an insured event, he or she may apply in writing to receive part of the personal account value, provided that the amount of each claim and the personal account value after receipt shall not be less than the minimum amount specified by us at that time.

The insured person is required to fill in the application form and provide the following proof and information to the insurance company: insurance contract and valid ID of the applicant.

The insurance company will deduct part of the amount and the corresponding handling fee from your personal account on the day of receipt of the partial collection application, and pay the amount applied for collection within 30 days from the date of receipt of the above-mentioned proof and documents.

Nirvana Life Whole Life Insurance (Universal) is a universal insurance, presumably many friends do not know about this type of insurance, you may wish to read this popular science article before starting: [link]{ Use universal insurance to manage money, the income is stable and safe?} Doxxing universal insurance!

Let's take a look at the product guarantee chart first:

Nirvana Life Insurance has simple responsibilities, provides total disability protection for death, and also provides consumers with the right to annuity conversion as a policy right.

The duration of the insurance is lifelong, and there are 7 exemptions. Don't know what the disclaimer is? This article can tell you: [link]{What are the exclusion clauses of insurance, and how do you look at them?} If you don't understand, you'll suffer a big loss!

If you are insured for a rich life, you can get a personal account and account with a minimum guaranteed annual interest rate. If you have friends who want to buy financial insurance in the near future, you may wish to learn about this list of financial insurance: [link]{Top 10 financial products worth buying in 2021!}

It's not that you have a salary, but you can take out a part of the money in the insurance without affecting your insurance number, and taking the salary is just a kind of sales pitch for the insurance salesman.

The universal real interest rate of Nirvana Life Whole Life Insurance is low, and many other companies have universal insurance, although the guaranteed interest rate is not high, but the effective interest rate can often be stabilized around the left, but PICC Life Insurance, the Nirvana Life Universal Insurance, has the highest interest rate from 2015 to the present, and the interest rate fluctuates between them, which cannot reach the mid-range universal interest rate. The current real interest rate announced on the official website of PICC: it has remained at it for a long time.

As a universal product, this insurance is relatively inferior in terms of protection that there is no mild critical illness.

The advantage of Nirvana Whole Life Insurance is that you can get lifelong protection, the policy age is relaxed to 60 years old, and the universal account enjoys the lowest protection interest rate. The disadvantage is that the payment period is longer, and if the policy is surrendered in the middle of the policy, the premium will be refunded according to the cash value of the policy, and the loss will be relatively large. And the sum insured of this product is fixed, which means that if you want to increase the sum insured in the future, it is more troublesome.

PICC Life Insurance Fortune Life includes many critical illnesses, such as malignant tumors, memory myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting (or coronary artery bypass grafting), end-stage renal disease (or chronic renal failure, uremia), acute or subacute severe hepatitis, benign brain tumors, chronic liver failure decompensation, encephalitis sequelae or meningitis sequelae, etc. For critical illness insurance, you can also refer to here:

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

PICC Life Insurance's Nirvana Whole Life Insurance Universal Type C has relatively simple protection responsibilities, only providing death benefits, and in addition, this product has a reduction in the basic sum insured. The following senior sister will take you to evaluate the guarantee content of this product, before starting, you can take a look at this article first, in order to better understand: super complete!

Everything you need to know about insurance is here.

Let's first take a look at the product protection chart of Nirvana Whole Life Insurance Universal Type C:

The senior sister also told you earlier, the protection content of the universal C section of Nirvana Whole Life Insurance is only death benefit, once the insured unfortunately dies after the waiting period, the insurance company will pay the death insurance benefit according to the insured amount at the time of death.

The waiting period of Nirvana Whole Life Insurance Universal Type C is 180 days, and the waiting period is also known as the exemption period, if the insured dies due to reasons other than accidental injury during the waiting period, the insurance company is not responsible for the protection. The waiting period for the same type of whole life insurance product on the market is mostly 90 days, which is a full double the time, which is really unfriendly.

If you want to have an in-depth understanding of the product of Nirvana Whole Life Insurance Universal Type C, this article can't be missed: Is Nirvana Whole Life Insurance Universal Type C worth buying? These 3 points are a must-see before buying!

In addition, Nirvana Whole Life Insurance Universal Type C has a reduction in the basic sum insured, if this product is successfully insured, before the premium due in the first 10 years, the insurance company will reduce the basic sum insured of the consumer.

PICC Life Insurance Fortune Life includes many critical illnesses, such as malignant tumors, memory myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting (or coronary artery bypass grafting), end-stage renal disease (or chronic renal failure, uremia), acute or subacute severe hepatitis, benign brain tumors, chronic liver failure decompensation, encephalitis sequelae or meningitis sequelae, etc. For critical illness insurance, you can also refer to here:

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

PICC Life Insurance has a product called Nirvana Whole Life Insurance (Universal) (Type C), which only provides death protection, but cannot protect the total disability of the insured, and the guaranteed interest rate of its own universal account is. After the application is successful, the insured will need to go through a waiting period of 180 days before he can enjoy the full protection of Nirvana Whole Life Insurance (Universal Stalking) (Section C).

I have sorted out the performance of Nirvana Whole Life Insurance (Universal) (Type C), you can come and take a look: Is Nirvana Whole Life Insurance Universal Type C worth buying? These 3 points will be laughed at before buying!

I get the money in 10 days, I get the money every year, I get the money in two years, and I get the money all the time.

The younger the insured of this product, the better, because it only needs to save for 10 years, and then you can make money by sleeping at home, so why not! All you need to do is deposit your extra money every year, and you will have a good income at maturity! You can pick it up at any time along the way, and you can enjoy a regular interest rate!

You can also deposit into the gold account at any time, calculate interest on a daily basis, and compound interest on a monthly basis for a second increase!

It's not good or bad, it's just whether insurance is suitable for you or not, and whether it can help you solve the problem.

Very pitted! I bought it, paid it for 10 years, and when I wanted to receive it, I didn't have a dime in dividends! I paid 54,400 yuan and I can't get it until I am 81 years old.

Now you can only receive more than 30,000 yuan. That's not what you say when you buy insurance! Say you can get it in 10 years.

It's higher than the bank interest rate or something, so save money! Big pit!

Do you have children? You can also give some to your children. This kind of investment insurance is more cost-effective for the younger generation, which is investment insurance.

1.Product Introduction.

Nirvana is an all-round wealth management account that combines quick returns, insured dividends, and universal advantages.

2.Features:

Super fast return: The money will be returned after the expiration of the hesitation period (10 days).

After the cooling-off period, 9% of the basic sum insured will be refunded.

Huge returns: double repeated profits and double appreciation.

The sum insured has unlimited dividend space, and the universal account has increased its value twice.

Claim super active: universal account can be claimed at will.

Independent wealth management account, receive on demand, flexible disposal.

Care is super-complete: Humanity care can be exempted.

The policyholder's death or total disability due to an accident will be waived of subsequent premiums.

3. Suitable for purchasing groups.

Nirvana Universal Annuity Insurance is suitable for a wide range of people. Prepare a plan for education, marriage, entrepreneurship and all stages of life for your children in advance, and young and middle-aged people can be insured as pension and financial investment to achieve asset preservation and appreciation.

Of course, it depends on how you think about it. I also checked a lot of this kind of insurance just now, and the evaluation is good. My mom just started doing insurance, so I just tried to understand.

Of course, I'm not here to sell you anything. These materials are for informational purposes only. Nowadays, people trust too little in insurance or anything, and if you can consciously insure yourself, it proves that you are a person who understands I'm not very good at talking.

We wish you good health and all the best.

The insurance products and companies are nationally recognized, and the worry is the professionalism and integrity of the salesman!

Dividends are uncertain, according to the market generally only a few dozen yuan in the first year!

If you have a lot of money, buy some, but don't buy too much