Old-age security (dividend-paying) is an upgraded version of China Life's fist product "Happy Life", which continues the product features such as "take it once and return it once a year", and also focuses on the outstanding needs of customers in family financial planning, such as asset preservation and appreciation, old-age security, etc. This product integrates "investment, financial management and pension", which meets the financial management needs in the inflation era and has the guarantee function.

"In the sales process, we found that customers pay more attention to the financial function of dividend insurance, and different customers have different preferences for returns." The relevant person in charge of China Life Product Development Department introduced. As a dividend insurance, "Happy Life" has sold more than 30 billion in the past five years, and its popularity has not diminished. Considering the product life cycle, according to the new market demand, the company has comprehensively upgraded and improved the "Happy Life" and launched "Fuman Life". New products are more suitable for the special needs of people with different life cycles in providing security and providing for the aged.

There are many new highlights in Enriching Life. The first is to get a high return on delivery, so that consumers can enjoy their lives immediately, and at the same time, through the design of high life-saving pensions and expired insurance premiums, they can meet the immediate needs of customers to enjoy their old age. The second is the collection of humanized design. All kinds of survival benefits of "Fu Man Life" are collected according to different stages of life. The more humanized the design, the more beneficial it is for insurance to explain the life wealth planning in sales.

Third, ten times guaranteed return insurance, especially at the age when customers need protection most, that is, 18 to 60 years old ("Fu Man Lifelong" provides the choice of 55 years old and 60 years old), in order to increase the death protection and make up for the lack of dividend insurance protection. This product pays attention to the basic elements of insurance protection, which is high when you are young and much higher when you are old.

Anyone who is born more than 28 days and under 55 years old and is in good health can be insured for life. There are two options for payment: 5 years and 10 years. You can choose between the ages of 55 and 60 when you start to receive Fushou Gold. The characteristics of "whole life" can be simply summarized as many payment items, including special survival fund, caring fund, longevity fund, expiration insurance fund, death insurance fund, accidental injury insurance fund and dividend payment.

In addition, "Fuyman Student" also has the function of policy loan to ensure the flexibility of funds. When customers need money urgently, they can apply for a policy loan to get emergency cash.

Old-age security (dividend-paying) is customized according to the payment method and age selected by customers, which can meet the diversified needs of children, young and middle-aged, middle-aged and private entrepreneurs.

Extended data

insured liability

During the insurance period of this contract, the Company undertakes the following insurance responsibilities:

I. special survival fund

From the effective date of this contract to the date when the life-saving payment agreed in this contract begins to be collected, if the insured survives until the effective date of this contract, the Company will pay a special survival payment at the rate of 65,438+0% of the insurance premium paid for the first time in this contract every year.

Second, the caring fund.

From the effective date of this contract to the date when the payment agreed in this contract begins to be collected, if the insured survives until the effective date of this contract, the Company will pay 10% of the basic insurance amount every year.

Three. Fushoujin

From the date when the payment insurance benefits agreed in this contract are collected to the date when the insured reaches the age of 74, if the insured survives until the effective date of this contract, the Company will pay the payment insurance benefits at the rate of 20% of the basic insurance amount every year.

Four. Overdue insurance premium

On the effective date of the year when the insured survives to the age of 75, the Company will pay the maturity insurance premium at 100% of the basic insurance amount, and this contract will be terminated.

Verb (abbreviation of verb) death insurance money

If the insured dies on the corresponding date from the effective date of this contract to the effective date of the year when he reaches the age of 18, the company will pay the death insurance premium (excluding interest) according to the insurance premium paid in this contract, and this contract will be terminated.

From the date when the insured reaches the age of 18 to the date when the life-saving payment agreed in this contract begins to be collected, the Company will pay the death insurance benefits according to the following agreements: within one year from the effective date of this contract, the Company will pay the death insurance benefits according to the insurance premiums paid in this contract (excluding interest), and this contract will be terminated; If the insured dies due to circumstances other than the above, the Company will pay the death insurance premium according to the sum of 200% of the basic insurance amount and the insurance premium paid in this contract (excluding interest), and this contract will be terminated.

If the insured dies on the date when the life insurance benefits agreed in this contract begin to be collected, the Company will pay the death insurance benefits in one lump sum according to the sum of the life insurance benefits that have not been collected after the death of the insured (excluding the life insurance benefits that have been generated before the death of the insured but have not been collected) and the due insurance benefits, and this contract will be terminated.

Six, accidental injury death insurance

The insured suffers accidental injury from the effective date of the contract, which causes the insured to reach the age of 18 years from the effective date of the year of the accident to the date when the contract stipulates that the life insurance fund will be collected. After the Company pays the death insurance according to the agreement in Paragraph 5 above, it will pay 800% of the basic insurance amount, and this contract will be terminated.

References:

Baidu Encyclopedia-National Life and Full Life Pension Security