China Life Credit Suisse Endowment Insurance (Dividend Type)
China Life Insurance and Credit Suisse Bank's endowment insurance (dividend-paying) is an all-round product of "health, old age, disease, old age and wealth", and it is a very popular product in the market now. Coverage is wide, including 12 major diseases that have been high in recent years. This product has clear and flexible regulations on the collection of security funds, and provides users with emergency assistance and dividend-paying old-age security from different levels. It is a comprehensive insurance product!
Product advantages:
1,' healthy' deposit: once every three years, calculated at 8% of the insured amount. For example, if the insured amount of 1 share is 30,000 yuan, you can get the living allowance of 800 yuan every three years, which is equivalent to fixed interest.
This product can resist inflation through annual dividends, and it can be collected once every three years, so as to preserve the value of users' funds, and each collection is 8% of the insured amount. The combination of the amount received and the insured amount has flexibility and value-added effect.
2. Improve the' old' pension: At the age of 80, Kang Kang can receive a one-time pension of three times the insured amount.
This product is like a bank's current passbook, which combines the repayment of principal and interest with the accumulation of dividends, and reserves a large pension for users. When users need money urgently during the insurance period, they can borrow money from the insurance policy to solve the urgent need and turn the original real estate into the present money, which has the characteristics of humanization.
3. Major' illness' security fund: 3 times of the insured amount will be paid for the serious illness agreed in the contract; And get sick during the payment period, and the later fees are exempted.
China Life Credit Suisse Old-age Security (dividend-sharing type) pays 300% of the insured amount after the user is diagnosed with a major illness for the first time. If the user gets sick during the payment period, he can not renew the payment and get the payment amount agreed in the contract. For users who encounter risks, the economic loss is greatly reduced.
4. Death insurance: if you die before the age of 80, you will pay 3 times the insured amount.
The product has a long warranty period, and the death protection lasts until the age of 80. If the insured dies before the age of 80, he will receive 300% of the insured amount, and the high compensation will play an important role in economic security for the family of the deceased.
5. Financial management: Enjoy the annual dividend of China Life, with compound interest and interest. You can use the policy loan to solve the urgent need, and the security and dividends will not be affected.
This product is a hot-selling product of China Renshou. At the level of investment dividends, the dividends accumulated by compound interest have obvious advantages over similar products of other companies. At the same time, the policy loan function developed by this product can flexibly borrow money for users and solve urgent economic needs without affecting security and dividends.