Is Guohua Life Insurance reliable?
Guohua Life Insurance is an endowment insurance launched by Guohua Life Insurance and sold on Alipay Ant Insurance Platform. This product has a low threshold, and can be insured in 50 yuan/month, with lifetime guarantee. You can get money when it is due, as long as you are alive, and you can return the premium you have paid if you die before the age of 80.
1. Insurance principle
Age of insurance: This product is open to all people, and everyone has the opportunity to participate in insurance.
Guarantee period: guarantee period is life, so it is a good tool for providing for the aged.
Payment period: the payment period can be paid to 35/40/45/50/55/60 years old (monthly payment), with more choices and more flexible insurance.
Collection time: 60 years old for men and 55 years old for women, which is consistent with the retirement age stipulated in China.
Time limit for collection: you can collect the death of the insured and how long you can live.
2. Basic guarantee content
Survival money: receive a fixed amount of pension every month (see insurance contract for details).
Death: If the insured dies before the age of 80, at least the accumulated premium will be returned, and consumers need not worry about the money paid.
Is Guohua Life Insurance worth buying? merits and demerits
Advantages:
● The payment period is flexible, and you can choose to pay for a long time until you are 55 or 60 years old.
● Anyone can buy it without health notice.
● Support monthly payment, weekly payment and monthly payment.
Low premium starting point, 1.
Insufficient: no death after 80 years old, no current price.
Does Guohua Life Insurance receive dividends?
Guohua Life Insurance doesn't pay dividends. This pension annuity product is invested in 50 yuan. You can invest regularly or flexibly at any time. The insured, who is 60 years old for men and 55 years old for women, is still alive and can receive a monthly or annual pension until his life.
How to quit Guohua Life Insurance?
The hesitation period of Guohua Life Insurance is 15 days. If you want to return it after insurance, you can call the insurance company's customer service phone number 95549 or Alipay's customer service phone number 955 18 to apply. You can get back the premium paid during the hesitation period, and only get back the cash value of the policy after the hesitation period.
In addition, after the surrender application is submitted, the surrender money will be returned to Alipay balance in about 3 working days, depending on the actual situation of account change.