What happened to China Life's China Life Ruixin Pension Insurance?

Many people know that they should buy insurance to increase their protection, but they don't know how to buy insurance. For example, many people simply don't understand what this kind of insurance is all about. The publicity of this insurance is mainly that the income is very stable, and it can also be used to protect our health, pension and dividends. Does it feel special to hear this? In fact, you haven't fully figured out what this insurance is all about.

Let's give a very simple example. Mr. Zhang works in a regular enterprise, and the company usually helps pay social security. However, Mr. Zhang is over 30 years old, so he has to start thinking about the follow-up pension. In order to reduce the risk, he chose this new endowment insurance of China Life Insurance. Mr. Zhang has to pay a premium of 24,000 880 yuan every year for 65,438+00 years, and the insured amount is 654,380+10,000 yuan. From the effective date of the contract, Mr. Zhang Can can enjoy the benefits of this insurance until he is 80 years old.

You can get a survival guarantee of 8000 yuan every three years. If you die of illness within one year after the contract comes into effect, the insurance company will pay the death insurance according to the insurance premium paid by Mr. Zhang, and this insurance will be terminated. If Mr. Zhang is due to an accident or illness, the company that died one year later will give 300,000 insurance money. If Zhang Canxian lives until the insurance period expires, the insurance company will pay an additional 300,000 yuan. If Mr. Zhang is diagnosed with a serious illness one year after the contract comes into effect, the company will pay 300,000 yuan in compensation for the serious illness and the insurance contract will be terminated.

When we look at this insurance, we should not focus all our attention on the amount of insurance returned, but on what kind of protection this insurance can bring us. For example, 300,000 critical illness insurance is a very important one. Some people always pay attention to the amount of insurance returned, rather than the actual coverage of insurance. In the event of an accident, they began to find trouble with the insurance company. In fact, they are completely unaware of this. In a word, when we buy insurance, we should still pay attention to diseases and accidents. On this basis, we can expand other insurance to increase our protection.