Xinhua Life Insurance Fuxiang won the prize for life.

Main insurance: Fusheng life annuity insurance (dividend type)

Additional insurance: additional free annuity insurance (universal)

Product characteristics

"Fu Xiang Jin Sheng" is a long-term dividend annuity financial security product. After the policy takes effect, you will receive an annuity once a year. The insured's accidental death or total disability can be exempted from the premium, and the death is also guaranteed.

Insurance notice

Insurance age: 0-60 years old

Payment period: 5, 10 years.

Insurance period: life.

insured liability

1. Care payment: In the second year after the contract comes into effect, if the insured is still alive, it will be paid at 20% of the initial premium.

2. Survival insurance: From the second year after the contract comes into effect, the insured can receive 20% of the insured amount every year.

3. Death insurance: After the death of the insured, the paid premium plus the value of the universal account will be paid, and the contract will be terminated.

4. Insurance premium exemption for accidental death or accidental bodily injury of the insured: during the payment period, if the insured dies unexpectedly or is totally disabled and the age is 18-6 1 one year old, the remaining premium will be exempted, and the protection interests of the insured will continue to be effective.

5. Dividend income: you can participate in the company's surplus distribution, the wealth is steadily increasing, and the dividend is uncertain.

6. Capital appreciation: universal account configuration, the money returned every year will enter the account for compound interest at "zero cost" and enjoy wealth appreciation.

Enjoy a happy life

Insurable interest

Survival insurance: 20%× (basic insurance amount+accumulated dividend insurance amount) will be collected every year after the end of the hesitation period.

Death insurance premium: premium paid+current price of accumulated dividend insurance.

Universal account: all survival funds automatically enter the universal account (no deduction), and the monthly compound interest is accumulated (the guaranteed interest rate is 2.5% per year, with no upper limit).

Premium exemption: the insured is exempt from paying renewal premium due to accidental death or total disability during the period of 18 to 60 years old.

Product characteristics

Feature 1: lifelong collection, carefree, self-sufficient and strong planning function.

On the second day after the end of the hesitation period and every year, you can receive 20% of the sum of the basic insurance amount of the main insurance and the accumulated dividend insurance amount for life, and have long-term and stable cash flow for life.

For high net worth people, how to effectively transfer today's wealth to the future is the focus of their attention, and the lifelong cash flow of "enjoying life" can well meet the needs of such people. As long as you pay the fee in a short period of several years, you can get the money year after year and get it for life. In addition, through the policy loan function, the liquidity of products is improved, so that customers can calmly face various investment opportunities.

Feature 2: Emergency loan with strong flexibility.

In order to facilitate the emergency needs of high-end customers, the financial plan also specially designed a higher cash value of the policy, which can be released when the policy takes effect. Through the policy loan function, customers can make loans according to 80% of the cash value of the policy.

Feature 3: Peace of mind in financial management, detachment from complacency, and preservation of assets.

Rational investors often pay more attention to the safety of products when comparing the income levels between products. "Enjoy a lifetime" is a product combination that can achieve peace of mind. Another advantage of the plan is that the investment team of a professional asset management company operates assets and enjoys the opportunity of dividends and universal double appreciation. In addition to the advantage of guaranteed dividends, the survival fund automatically enters the universal insurance account, and then accumulates interest with compound interest on a monthly basis. After the interest increase, there is no need to pay any policy account management fee, which truly realizes the strong alliance and the "increase" is endless.

Feature 4: premium exemption, continuation of love

Insurance is not so much the inheritance of wealth as the continuation of love. Many families' long-term planning for wealth is more concerned with the long-term happiness of their families. "Enjoy life" products are suitable for healthy people born more than 30 days and under 66 years old. If the insured dies unfortunately, the company will pay the death insurance premium according to the sum of the actual insurance premium paid and the cash value corresponding to the accumulated bonus insurance amount. If the insured dies due to an accidental injury or is totally disabled due to an accident during the payment period, and the insured has not changed during the insurance period, the company will be exempted from the renewal premium and the policy will remain valid.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.