What are the life annuity insurance products in China?

There are many annuity insurance products of China Life Insurance, such as Shouxin Yumantang Annuity Insurance (dividend-paying type), China Life Family heirloom whole life insurance (dividend-paying type), China Life Jinsheng Annuity Insurance (type B) and China Life Royal Life Product Portfolio. Life insurance is divided into guaranteed life insurance and investment life insurance. Although these two kinds of insurance operate differently, they are both life insurance in essence.

1. Annuity insurance refers to life insurance in which survival is the payment condition, and survival insurance benefits are paid in installments according to the insurance contract, with the interval of paying survival insurance benefits in installments not exceeding one year (including one year).

1. Annuity insurance is named because it mostly takes the form of regular annual payment. In practice, annuity insurance also has various forms such as quarterly payment and monthly payment.

2. Common annuity insurance includes endowment insurance and education annuity insurance. Endowment insurance can provide the insured with the funds needed for providing for the aged, while education annuity insurance can provide the necessary financial support for children's education.

Two. China Life Songhe Annual Annuity Insurance (Dividend Type)

1, product description: lifetime pension, lifetime companionship guarantee. Family happiness is always around, and you can enjoy the exquisite old age.

2, product features: life annuity, long-term protection; Enjoy dividends and manage your finances steadily; Return after death, accompany for life; Security always brings a happy life.

3. Coverage of China Life Songhe Annual Annuity Insurance (dividend-paying type): Anyone who is born more than 28 days and under 65 years of age and is in good health can be the insured, and I or anyone with insurance interests can apply for this insurance from our company as the insured.

4. Start date and method of annuity collection: There are five age groups for annuity collection: 50, 55, 60, 65 and 70. When applying for insurance, the insured can choose one of them as the age of contract annuity. Once the starting age of annuity is determined, it shall not be changed during the period of contract insurance. The start date of annuity collection is the corresponding date of the year when the annuity collection age agreed in the contract takes effect. There are two ways to receive an annuity: annual payment and monthly payment. When applying for insurance, the insured can choose one of them as the way to receive the annuity in the contract, and the way to receive the annuity cannot be changed from the date of receiving the annuity.

5. Payment method: The payment method of insurance premium is annual payment.

6. Payment period: The payment period is divided into five years, ten years and twenty years.

7. Warranty period: _ Jing Xian is in charge of Liang Xian's house.

Three. China Life Fu Lu Man Tang Endowment Annuity Insurance (Dividend-sharing Type)

1, product description: _ each one (dividend type) provides you with pension annuity, bonus, accumulated interest, guaranteed payment and accident protection, so that your later life is full of dignity.

2. Product features: one investment, multiple pensions; Rich income and flexible collection; Accumulated interest, financial resources rolling; Long life, carefree, enjoy honor; Fulu is full of people and "covers" the whole family.

3. Fulu Mantang Insurance Scope: Anyone born more than 30 days and under 64 years old who is in good health can be the insured, and the insured or anyone who has insurance interests can apply for this insurance from the Company.

4. Fulu Mantang pension collection period: the pension collection period is divided into 20 years and 0: 00 on the corresponding date when the insured reaches the age of 85. The applicant can choose one of them as the pension period of this contract when insuring.

5. Fulu Mantang payment method: the payment method of insurance premium is divided into one-time payment and installment payment, and the payment period of installment payment is divided into five years, ten years and twenty years, which is chosen by the insured when insuring.

Four, China life personal pension annuity insurance (dividend)

1. product description: provide flexible pension, which can be received as early as 50 years old, with death protection, lifelong benefit, company dividends and policy loans.

2. Product features: pension reserve, flexible collection, lifelong benefit, dividends and policy loans.

3. Insurance coverage: Anyone who is over 18 years old but under 64 years old and is in good health can be the insured, and the insured or those with insurance interests can apply for this insurance from our company.

4. Payment method: The payment method of insurance premium is divided into two types: batch payment (one-time payment) and annual payment. The payment period of installment payment is divided into five years, ten years and twenty years, which is chosen by the insured when applying for insurance.

5. Receiving method and starting date of pension annuity: There are three receiving methods of pension annuity: annual receiving, monthly receiving and lump-sum receiving, but the payment of insurance premium is limited to annual receiving and monthly receiving. There are 50, 55, 60 and 654 kinds of pension annuities, and the insured can choose one of them as the starting age of contract pension annuities. The date when the pension annuity begins to be collected is the corresponding date of the year when the pension annuity begins to be collected.