Hongfu Supreme Insurance Portfolio Plan, the latest financial product of China Life Insurance Company on October 7, 20, has the characteristics of large annuity payment, early maturity and high income. The stable "double account" income makes the income accumulate and increase, making it easy for you to complete financial planning such as children's education, pension and investment. It consists of China Life Hongfu Supreme Annuity Insurance (dividend type), China Life Xin Account Annuity Insurance (universal type) (beneficiary version) and China Life Xin Account Annuity Insurance (universal type) (excellent version).

The supreme feature of Guo Shouhong's Fu.

1, the first return to high.

The outstanding feature of this product is the high down payment. On the corresponding date when the first policy year of the contract expires, if the insured survives, he can receive a special survival allowance plus an annuity, and he can also receive an annuity every year. The longest total annuity is 19 years, which can be described as long-term income.

2. Due to the early return.

The "Hongfu Supreme" insurance portfolio plan will be returned in advance when it expires, and will expire in 20 years to ensure the safety of funds and get back the premium paid (excluding interest). For example, a 30-year-old man insured himself with Hongfu Supreme Insurance Portfolio Plan, with an annual payment of 65,438+10,000 yuan 10 year, and agreed to return the insurance premium (excluding interest) at the age of 50.

Once the insurance plan is implemented, you can enjoy the following benefits: on the corresponding day when the first policy year of the contract expires, you can receive an annuity plus a special survival fund of 36,820 yuan, starting from 3 1 to 49 years old, and you can receive an annuity12,000 yuan every year. When the 50-year-old insurance period expires, you can receive a premium of 6.5438+0 million yuan as the expiration. In addition, you can also enjoy the right to dividends.

3. Set up a "double account"

What's more worth mentioning is that China Life has set up a "double account" for the "Hongfu Supreme" insurance portfolio plan, in which the excellent version of Universal Xin account is used as a closed account to connect with the best assets of China Life. Special survival funds, annuities, bonuses and expiration insurance can enter closed accounts and enjoy the benefits. Provides additional flexible options for Hui version of the general Xin account. After being insured at the age of 30 or even after the expiration of 50, if you don't get it, the "double account" can always increase the income for Mr. Hong.

insured liability

1. Annuity: If the insured survives to the effective date of this contract year from the corresponding date of one policy year from the effective date of this contract to the expiration of the insurance period of this contract, he shall pay an annuity every year according to the following agreement:

1. If the payment period is three years, 3% of the insurance premium shall be paid in the contract year;

2. If the payment period is five years, the insurance premium of 6% shall be paid according to the contract year;

3. If the payment period is ten years, it shall be paid at 12% of the premium paid in the contract year.

2. Special survival fund: the insured survives until the corresponding date of one policy year when the contract comes into effect, and pays special survival fund according to the basic insurance amount of the contract.

3. Maturity insurance premium: The insured survives until the effective date of the year when the insurance period of the contract expires, and the contract is terminated, and the maturity insurance premium is paid according to the insurance premium paid in the contract (excluding interest).

4. Death insurance premium: If the insured dies within the insurance period and this contract is terminated, the Company will pay the death insurance premium according to the insurance premium (excluding interest) paid in this contract when the insured dies.

5. Bonus: During the contract insurance period, the company determines the annual dividend distribution plan according to the actual operation of the dividend insurance business in the previous fiscal year on the premise of meeting the requirements of the insurance regulatory authorities. If the company determines that there is a dividend in this contract, it will pay dividends to the insured.

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