I'm a senior manager of Taiping Life Insurance, and I recommend the most popular insurance product in China.
Taiping Fulu Double to whole life insurance (dividend-sharing) 27
As long as you apply for any protection plan containing "Taiping Fulu Double to 27", Taiping Life Insurance will donate 1 yuan money to "Little Angel Fund" to help poor leukemia children. Let's participate together! Give yourself and your family a love barrier, and you will also become an angel who gives love!
prolong life-enjoy life-long personal protection (1) death insurance: if the insured dies within the validity period of the contract, we will pay the death insurance according to the insured amount.
(2) birthday bonus: after the insured survives to the age of 1, we will pay birthday bonus according to the insured amount.
getting a bonus at the end of the year-more double bonus brings extra surprises
(1) Annual bonus: distributed by increasing the basic insurance amount. The increased portion also participates in dividends.
(2) End bonus: paid in cash when the contract is terminated.
critical illness insurance gold for 3 kinds of health care: the insured suffers from one of the agreed 3 major diseases, and pays critical illness insurance gold according to the insured amount. The funds in place in time can be freely controlled, which really relieves the economic pressure. Note: If the insured is under 4 years old when he dies or is diagnosed with a major disease agreed in the contract for the first time, The insured amount is the amount specified in the following table:
the insured's age
the insured amount (as a percentage of the basic insurance amount)
less than one year old
2%
over one year old but under two years old
4%
over two years old but under three years old
6%
over three years old but. 3 kinds of major diseases guarantee 25 kinds of major diseases
1. Malignant tumor-excluding some early malignant tumors
1. Decompensated period of chronic liver failure-excluding alcoholism or drug abuse
19. Severe Parkinson's disease-complete loss of independent living ability
2. Acute myocardial infarction
11. encephalitis sequela's or meningitis sequelae- Severe third-degree burns-at least 2% of the body surface area < P > 3. Sequela of cerebral apoplexy-permanent dysfunction
12. Deep coma-excluding those caused by alcoholism or drug abuse
21. Severe primary pulmonary hypertension-showing heart failure
4. Major organ transplantation or hematopoietic stem cell transplantation-requiring allogeneic transplantation < Claim at the age of three
22. Severe motor neuron disease-complete loss of independent living ability
5. Coronary artery bypass grafting (or coronary artery bypass grafting)-requiring thoracotomy
14. Blindness-permanent irreversibility, claim at the age of three
23. Loss of language ability-complete loss and active treatment for at least 12 months. Claim settlement at the age of three
6. End-stage renal disease (or uremia stage of chronic renal failure)-requiring dialysis treatment or kidney transplantation
15. Paralysis-permanent and complete
24. Severe aplastic anemia
7. Multiple limbs missing-complete disconnection
16. Heart valve surgery-requiring thoracotomy. Hepatitis
17. Severe Alzheimer's disease-complete loss of independent living ability
9. Benign brain tumor-requiring craniotomy or radiotherapy
18. Severe brain injury-permanent dysfunction
5 major diseases we have added
1. Severe multiple sclerosis
3. Severe chronic respiratory failure
. > 4. serious coronary atherosclerotic heart disease
insurance example: Mr. Wang is 3 years old and has no smoking hobby. He bought 1, yuan of insurance coverage for himself to whole life insurance (dividend type) in 27, and added 1, yuan of insurance coverage for Taiping True Love to pay critical illness insurance in 27 in advance, and paid it to 6 years old with an annual premium of 3,3 yuan.
Taiping's "Fushou Lianlian" is not only an investment dividend, but also a feature of health medical insurance
It is paid every other year. You can get a 1% health allowance every other year for planning health, daily health care, physical examination, or paying medical expenses, and be your own healthy master!
if you pay the fee for five years, you can enjoy the health allowance continuously until you are 88 years old and live a long life.
The health allowance will increase steadily with dividends, so don't worry about the increase of medical expenses.
The medical treatment for severe diseases provides comprehensive protection for 18 common major diseases. At the same time, the expenses for unexpected outpatient service, hospitalization and operation are paid in proportion for unlimited times every year, regardless of the project, and the health status is fully concerned! Invest in capital preservation, and when the funds are safe at the age of 88 or die, the premium and value-added income will be returned, which is equivalent to getting decades of health allowance for free. Example of insurance: Mr. Chen, 35 years old, insured the Taiping "Fushou Lianlian" recreation plan, with the insured amount of 5, yuan. He chose to pay the fee for five years and paid the annual premium of 32,6.5 yuan.
The above death insurance premium and birthday bonus include: the actual premium paid by the customer+the accumulated annual bonus refund+the final bonus. Mr. Chen's total payment is only about 16, yuan, and he will receive:
* a health allowance of 231, yuan from the age of 88 (according to the assumption of mid-range bonus)
every other year, at least 5, yuan each time, and the amount of payment is guaranteed to increase with dividends.
* If you live to the age of 88, you will get a high birthday bonus of 427, yuan (according to the assumption of mid-range bonus)
* Before you reach the age of 6, you can enjoy six major health care guarantees
covering serious illness, hospitalization, surgery and unexpected outpatient service, with comprehensive care.
* Death insurance premium of up to 418, yuan (assuming mid-range bonus) for death before 88 years old
In case of accidental death, disability or burns before p>6 years old, there will be an additional payment of up to 1, yuan.
important statement: the above example values are only for understanding dividends, and do not represent the actual dividend distribution. The actual dividend paid depends on the actual operating conditions of the company's dividend insurance business, and the company makes no commitment to this.
the insurance combination of this plan: Fushou pays dividends in succession+true love suffers from serious illness on a regular basis +IPA plan
If the above recommended plan cannot meet your actual needs, please consult Taiping Life Insurance Consultant, and we will tailor the protection plan for you
You can also consult QQ941241 online.