If China Life Insurance Xinlibao Old-age Security is insured, the guarantee period is 6 years, and the principal and interest will not be returned in one lump sum or in several installments. According to the product terms, if the insured survives to the effective date of the year when the insurance period of the contract expires, the insurance company will pay the maturity insurance premium according to the basic insurance amount of the contract.

Next, Senior Sister introduces the old-age security, China Life Trust and Libao. Before we begin, you might as well read this popular science article about double insurance: the salesman will definitely not tell you about double insurance!

You can have a simple understanding of this product through the protection diagram first:

1, insurance rules

China Life Xinlibao Old-age Security supports people over 65,438+08 and under 65. There are seven exemption clauses, and the guarantee period can be 6 years, 8 years or 65,438+00 years. In terms of payment method, the product only supports wholesale premium payment, that is, all premiums are paid at one time when insured.

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2. Guarantee content

The content of the old-age security of China Life Trust and Libao is easy to understand. If the insured dies unfortunately during the insurance period, those who meet the requirements can get a death insurance premium; If the insured is still alive on the corresponding day of the year when the insurance period expires, those who meet the requirements can receive the basic insurance amount as the expiration insurance money.

The death insurance premium of this product has different compensation schemes according to the different circumstances of the insured's death. If the insured dies within 180 days from the effective date of the contract or the final reinstatement date, the eligible premium will be paid.

If the insured gets up and dies before the effective date of 465,438+0 years old, from the effective date of 465,438+0 years old to the effective date of 665,438+0 years old, and 65,438+060% and 65,438% of the premium paid are paid respectively due to circumstances other than the above.

To sum up, China Life's Xinlibao old-age security is more suitable for people seeking short-term security. You can choose whether to insure the product according to your personal preferences and security needs. If you want to compare other excellent products of the same type on the market, you can also take a look at this list: the old-age security dividend list is newly released! Is there anything you like?

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