Guofu Life Minxinxin Guanjia Wealth Gold Shopkeeper Insurance Plan can be said to be very popular online. I heard that it is very cost-effective. Many friends are also asking about Guofu Life Minxinxin Guanjia Wealth. Is the price-performance ratio of Jinzhanggui insurance plan really that high? Is it really worth buying?

Today, I want to take a look at Guofu Life Insurance Minxinxin Guanjia Wealth Gold Shopkeeper Insurance Plan with everyone to see if it is really so good? Click the link below to learn about the true face of Guofu Life Insurance Minxinxin Guanjia Wealth Gold Shopkeeper Insurance Plan:

"How does Guofu Minxinxin Guanjia Wealth Gold Shopkeeper Insurance Plan perform? One article analysis! 》

1. How about the Guofu Life Minxinxin Guanjia Wealth Gold Shopkeeper insurance plan? OK?

As usual, let me first show you the product form diagram of the Minxinxin Guanjia Wealth Gold Shopkeeper Insurance Plan:

The Minxinxin Guanjia Wealth Gold Shopkeeper Insurance Plan is sponsored by Guofu Life Insurance It is composed of Fu Minxin Annuity Insurance and Guofu Life Xin Guanjia Whole Life Insurance (universal type).

After browsing the picture above, you can see that in terms of insurance conditions, the insurance age, coverage period, and payment period/method of the two insurances in the plan are relatively simple. It is very clear. I will not talk about other things. .

The senior student immediately analyzed the content of the guarantee.

1. Guofu Life Guofu Minxin Annuity Insurance

Guofu Life Guofu Minxin Annuity Insurance is equipped with many protection contents-survival annuity, birthday benefit, maturity survival insurance, The death benefit also provides cash value equity - policy loans and policy reductions.

The first three items belong to survival insurance, which can bring stable cash flow to the insured. Let’s listen to the senior sister’s detailed introduction.

Starting from the 5th policy anniversary, and until the policy anniversary when the insured turns 64, as long as the insured is still alive, the insurance company will pay 15% of the insured amount. The living annuity is paid very early, so that everyone can use it for daily expenses, and then gradually save it as retirement funds.

You can directly receive a living annuity once every year from the policy anniversary when the insured turns 65 until the expiry date of the insurance period (not included), but at the rate of 30% The amount of benefits will be paid to comprehensively improve the quality of life of the elderly.

Then, the birthday benefit is paid on the policy anniversaries of the 70th and 80th birthdays, with a benefit ratio of 50% of the insured amount being provided.

As for the maturity survival insurance benefit, if the insured survives until the expiration of the insurance period, the insurance company will pay the premium paid to him in one lump sum.

2. Guofu Life Xin Guanjia Whole Life Insurance (universal type)

The protection content of Guofu Life Xin Guanjia Whole Life Insurance (universal type) is relatively simple and only supports death insurance. When the insured encounters an insured accident, the insurance company will compensate based on the greater of the policy account value, the basic insured amount multiplied by the corresponding benefit ratio.

But compared to the protection function, many people must pay more attention to its financial management function.

After the survival insurance money of "Guofu Minxin", the premium paid when insuring "Xin Guanjia" and the premiums added or transferred later into the "Xin Guanjia" universal account, they will automatically pay a certain interest rate To add value, the stipulated minimum interest rate is 3%.

If capital turnover is needed due to children’s education expenses, children’s marriage, pension, etc., it also supports partial collection of the “Xin Guanjia” policy account value, which has good flexibility.

There are many products of the same type on the market that can be attached with a universal account, such as the Guangming Life Hui Selection Edition Pension Annuity Insurance. Interested friends can compare:

""Guangming Life" (Huixuan Edition) "Must read before buying pension annuity insurance! You will definitely be shocked! 》

2. Is Guofu Life Minxinxin Guanjia Wealth Gold Shopkeeper Insurance Plan worth buying?

On the whole, the performance of Guofu Life Insurance Minxinxin Guanjia Wealth Gold Shopkeeper Insurance Plan is worthy of recognition. The survival insurance and universal account of annuity insurance are very attractive, with high cost performance and relatively good protection. Comprehensive, the competitive advantage in the market is very outstanding, and it is still worth buying.

Of course, in addition to the cost-effective Guofu Life Insurance Minxinxin Guanjia Wealth Gold Shopkeeper insurance plan, here is also a list of annuity insurances for everyone, which are all products worth buying if you need them. Friends can refer to:

"Top Ten Annuity Insurance Rankings▏Want to buy high-yield annuity insurance? Don’t miss these 10 styles! 》

Write it at the end

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