Today, senior will come to see Guo Fu Life Insurance, Min Xinxin's housekeeper wealth gold shopkeeper insurance plan, and see if it is really so excellent. Click on the link below to learn about the real face of Guo Fu Life Min Xinxin's wealth cashier insurance plan:
What is the performance of "Guo Fumin Xinxin Butler Wealth Gold Cashier Insurance Plan"? An analysis! 》
1. How about Guo Fu Life Insurance, Minxinxin Butler, Wealth Fund and Cashier Insurance Plan? OK or not?
As usual, let's take a look at the product form diagram of Min Xinxin's housekeeper wealth gold shopkeeper insurance plan:
Minxin Guanjia Wealth Gold Treasurer Insurance Plan consists of Guo Fu Life Fuminxin Annuity Insurance and Guo Fu Life Xin Guanjia whole life insurance (universal type).
Looking at the above picture, we can see that the insurance conditions, insurance age, guarantee period and payment period/method of the two insurances in the plan are relatively simple and very clear, so other seniors will not say much.
Senior immediately analyzed the contents of the guarantee.
1, Guo Fu Life Guofuxin Annuity Insurance
Guo Fu Life Guofuxin Annuity Insurance is equipped with many protection contents-survival annuity, birthday bonus, due survival insurance, death insurance, and also provides cash value rights-policy loan and insurance deduction.
The first three items belong to survival insurance, which can bring stable cash flow to the insured. Listen to the details of Senior Sister.
From the fifth policy anniversary to the 64th policy anniversary, as long as the insured is still alive, the insurance company will pay the survival annuity according to 15% of the insured amount, which can be used for daily expenses and then gradually saved as a pension fund.
You can directly receive the survival annuity every year from the anniversary date of the insured's 65th birthday policy to the expiration date of the insurance period (excluding), but you can pay 30% of the insured amount, thus improving the quality of life of the elderly in an all-round way.
Then, the birthday payment time is the policy anniversary of 70 years old and 80 years old, both of which provide 50% of the insured amount.
As for the due survival insurance, if the insured survives until the expiration of the insurance period, the insurance company will pay the premium in one lump sum.
2. whole life insurance, the new housekeeper of Guo Fu life insurance (universal)
Whole life insurance (Universal), manager of Guo Fu Life Insurance Company, only supports death insurance. When the insured encounters an insurance accident, the insurance company will compensate according to the larger of the policy account value and the basic insurance amount multiplied by the corresponding compensation ratio.
However, compared with the security function, many people are definitely more concerned about its financial management function.
The survival insurance premium of "Guo Fu Min Xin", the premium paid when insuring "Xin Guanjia" and the premium added or transferred in the later period will automatically increase in value at a certain interest rate after entering the universal account of "Xin Guanjia", and the agreed guaranteed interest rate is 3%.
For example, due to children's education expenditure, children's marriage, pension and other needs of capital turnover. It also supports part of the value of the "new housekeeper" policy account and has good flexibility.
At present, there are many products of the same type on the market that can be attached with universal accounts, such as Bright Life Smart Pension Insurance. Interested friends can compare:
"Bright Life (Hui Xuan Edition)" Pension annuity insurance must be read before buying! Absolutely shocking you! 》
2. Is Guo Fu Life Min Xinxin Butler Wealth Cashier Insurance Plan worth starting with?
On the whole, the performance of Guo Fu Life's Xinxin housekeeper wealth gold shopkeeper insurance plan is worthy of recognition. The survival benefit and universal account of annuity insurance are attractive, cost-effective and comprehensive. The competitive advantage in the market is very outstanding, which is quite worth buying.
Of course, in addition to the cost-effective Guo Fu life insurance plan of Min Xinxin housekeeper wealth gold treasurer, here we have also prepared a list of annuity insurance, all of which are worth buying. Friends in need can refer to:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
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