Introduction to Xinhua Insurance’s life insurance products

Product name

Main insurance: Fuxiangjinsheng Lifetime Annuity Insurance (participating type)

Additional insurance: Additional optional annuity insurance (universal type)

Product Features

"Fuxiang Jinsheng" is a long-term dividend-paying annuity financial protection product. After the policy comes into effect, you will receive an annuity every year. If the policyholder dies unexpectedly or is totally disabled, the premium will be waived. Therefore, it is also guaranteed.

Insuring Information

Insurance age: 0-60 years old

Payment period: 5, 10 years

Insurance period: Lifetime

Insurance Liability

1. Care Benefit: In the second year after the contract takes effect, if the insured is still alive, 20% of the first premium paid will be paid.

2. Survival insurance: Starting from the second year when the contract takes effect, the insured can receive 20% of the insured amount every year he survives.

3. Death insurance benefit: When the insured dies, the universal account value of premiums paid will be paid and the contract will be terminated.

4. Insurance premiums are waived if the policyholder dies due to accidental injury or is totally disabled due to accidental injury: During the payment period, if the policyholder dies or is totally disabled due to accidental injury and is between 18 and 61 years old, the remaining period will be waived. For premiums, the insured's protection benefits continue to be valid.

5. Dividend income: You can participate in the company's earnings distribution, your wealth is stable and increasing, and you can resist the risk of inflation. Dividends are uncertain.

6. Fund appreciation: Universal account configuration, the money returned every year will enter the account with "zero fee" to compound interest, and enjoy the appreciation of wealth.

Enjoy a lifetime of happiness

Insurance benefits

Survival insurance: Received on the day after the hesitation period ends and every year thereafter: 20×(Basic insured amount accumulated bonus insured amount) .

Death insurance benefit: premium paid, current price of accumulated dividends insured.

Universal account: All survival funds are automatically transferred to the universal account (no deductions), and monthly compound interest accumulates (the guaranteed interest rate is 2.5 per annum, with no upper limit).

Premium Waiver: If the policyholder dies in an accident or becomes totally disabled between the ages of 18 and 60, the renewal premium will be waived.

Product Features

Feature 1: Lifelong collection, leisurely and easy planning, strong planning function

On the day after the hesitation period ends and every year, you can receive the basic insurance amount of the main insurance The sum of 20 and the accumulated bonus insurance amount lasts for life, providing a stable cash flow for a lifetime.

For high-net-worth individuals, how to effectively transfer today’s wealth to the future is their focus. The lifelong cash flow of “enjoying a lifetime of happiness” can well meet the needs of this group of people. . You only need to pay for a few years in the short term, and you can receive money every year in the future and for life. In addition, through the policy loan function, the liquidity of the product is improved, allowing customers to face various investment opportunities calmly.

Feature 2: Loans available for urgent needs, flexible and flexible

In order to facilitate the unexpected needs of high-end customers, this financial plan is also specially designed with a higher cash value of the policy, and the policy can be effective loan. Through the policy loan function, customers can borrow 80% of the cash value of the policy.

Feature 3: Financial security, transcendental contentment, and asset preservation

Rational investors tend to pay more attention to the safety of the product itself when comparing the income levels between products. "Fu Xiang Life" is a product combination that can achieve financial peace of mind. Another advantage of this plan is that the investment team of a professional asset management company operates assets and enjoys dividends and universal dual value-added opportunities. In addition to having the advantage of dividends from the insured amount, the survival money automatically enters the universal insurance account, and then accumulates interest on a monthly compound basis. There is no need to pay any policy account management fees after the benefits grow, truly realizing the combination of powerful forces and "rising" continuously.

Feature 4: Premium exemption, continuation of love

Instead of talking about insurance as the inheritance of wealth, it is better to think of insurance as the continuation of love.

Many families' long-term wealth planning is more about caring for the long-term happiness of their families. The "Fu Xiang Life" product can be applied to healthy people who are 30 days old and under 66 years old. If the insured person unfortunately dies, the company will The death insurance benefit will be paid based on the sum of the actual insurance premium paid and the cash value corresponding to the accumulated bonus insurance amount; if the policyholder dies due to accidental injury or is totally disabled due to the accident during the payment period, and the policyholder is If there is no change during the insurance period, the company will waive the renewal premium and the policy will continue to be valid.

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