With the rapid development of social economy, the public has a higher demand for medium and long-term capital planning for individuals and families, and annuity insurance has attracted widespread attention as an asset allocation method with relatively small risk.
As a state-controlled financial and insurance enterprise, Chinese Life Insurance Co., Ltd. *** hereinafter referred to as "Chinese Life Insurance Company") has always adhered to the concept of "customer-centric", focusing on the customer service brand building goal of "simplicity, quality and warmth", constantly optimizing product design, enriching product supply, and providing customers with more diversified intimate protection. In order to meet the actual needs of the public in scientifically and rationally formulating family medium and long-term insurance protection plans, Chinese Life Insurance Company recently launched China Life Xin Yao Hongtu Annuity Insurance. This insurance product has the following four characteristics:
Special care, exclusive care. From the corresponding date of the first year after the contract has been in force for five policy years to the first year after the contract has been in force for ten policy years, if the insured survives to the corresponding date of the annual effective date of the contract, the special survival fund shall be paid every year according to the following agreements: if the payment method is a one-time payment, the special survival fund shall be paid according to 10% of the annual insurance premium determined by the basic insurance amount of the contract; If the payment period is three years, a special survival fund shall be paid at 30% of the annual insurance premium determined by the basic insurance amount of the contract; If the payment period is five years, 60% of the annual insurance premium determined by the basic insurance amount of the contract shall be paid a special survival fund; If the payment period is eight years, 85% of the annual insurance premium determined by the basic insurance amount of the contract shall be paid a special survival fund; If the payment period is 10 years, a special survival allowance shall be paid at 100% of the annual premium determined by the basic insurance amount of the contract.
Annuity payment, comfortable and worry-free. From the corresponding date of the first year after the effective date of the contract for ten policy years to the expiration of the contract insurance period, if the insured survives to the corresponding date of the annual effective date of the contract, the annuity will be paid at the rate of 100% of the basic insurance amount of the contract on the corresponding date of the first effective year after the effective date of the contract for ten policy years, and the annuity paid will be increased by 25% of the basic insurance amount of the contract on the corresponding date of the annual effective date of each subsequent policy year.
Receive it at the end of the period, and plan as you like. If the insured survives to the effective date of the year after the expiration of the contract insurance period, the contract will be terminated, and the maturity insurance benefit will be paid at 10 times of the basic insurance amount of the contract, helping customers enjoy a happy life.
Death benefit, care continues. If the insured dies during the insurance period and the contract is terminated, the death benefit will be paid according to the greater of the premium paid under the contract (excluding interest) at the time of the insured's death, minus the special survival benefit and annuity paid under the contract, and the cash value of the contract at the time of the insured's death.
Twenty years of stability, a new era. Over the years, Chinese Life Insurance Company has adhered to the original mission of "insurance surname insurance" and "insurance for the people", and actively practiced the core corporate culture concept of "becoming oneself and achieving oneself". On the occasion of the 20th anniversary of its listing, the company launched China Life Xin Yao Hongtu Annuity Insurance, which is designed to highlight the protection function and help consumers use insurance tools to plan and enjoy a happy life.
In the future, Chinese Life Insurance Company will continue to cultivate the fertile soil of life insurance, provide more intimate and high-quality insurance protection services for the public, and fully escort the people's happy and beautiful life.