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It's not better than not knowing, it's more frightening!
Chinese Shou "Xinfu Niannian".
For example: 0-year-old baby, invest 20,000 yuan, invest 5 years, and invest a total of 100,000 yuan.
At the age of 20, the policy benefit is $10,000.
At the age of 30, the policy benefit is $10,000.
At the age of 40, the policy benefit is $10,000.
At the age of 60, the policy benefit is $10,000.
At the age of 80, the policy benefit is $10,000.
Pacific: Happiness goes hand in hand.
For example: 0-year-old baby, annual investment of 20,000, investment for 5 years, a total of 100,000.
20-year-old policy benefit of 10,000 yuan.
30-year-old policy benefit of 10,000 yuan.
At the age of 40, the policy benefit is 10,000 yuan.
The 60-year-old policy benefit is $1.74 million.
At the age of 80, the policy benefit is 10,000 yuan.
Peace: Respect for life.
For example: 0-year-old baby, annual investment of 20,000, investment of 5 years, a total of 100,000.
Age 20 Policy Benefit Dollars.
30-year-old policy benefit of 10,000 yuan.
At the age of 40, the policy benefit is $510,000.
At the age of 60, the policy benefit is 10,000 yuan.
At the age of 80, the policy benefit is 10,000 yuan.
Xinhua: "Enjoy a Life".
For example: 0-year-old baby, annual investment of 20,000, investment of 5 years, a total of 100,000.
20-year-old policy benefit of 10,000 yuan.
30-year-old policy benefit of 10,000 yuan.
At the age of 40, the policy benefit is 10,000 yuan.
At the age of 60, the policy benefit is 10,000 yuan.
At the age of 80, the policy benefit is 10,000 yuan.
Taikang Life: "Xinxiang Life".
For example: 0-year-old baby, annual investment of 20,000, investment for 5 years, a total of 100,000.
The 20-year-old account is worth 10,000 yuan.
The 30-year-old account is worth 10,000 yuan.
The 40-year-old account is worth 10,000 yuan.
The 60-year-old account is worth 10,000 yuan.
The 80-year-old account is worth 10,000 yuan.
Different choices, different benefits! Saving money to find Taikang is your wise choice!!
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Hello! The sum insured is 15,000, and the payment is paid for ten years, and more than 16,000 ...... is paid every year
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The sum insured is paid annually for ten years. 50 yuan.
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Hello, you are wise. This is a very good wealth management product, and it will be delisted in three days. Depending on your needs, the premium is around 10,000.
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It is about 10 years old.
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You are so cute! Asked a lot in a row! The minimum sum insured is from 20,000 yuan.
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If you pay it for ten years, every year or so!
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The terms of the participating insurance are different for each company, such as when to pay fixed interest, when to return the principal, and whether the policy will continue to be valid after the return of the principal? Whether the terms are what we need are a few factors for policyholders to choose a participating insurance policy, not just focus on short-term return data.
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Short-term financial management is not as good as lending to the bank, and it is called financial management for more than 10 years.
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Take a look at the products of Pacific Insurance Company.
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Hello, you can learn about the people's livelihood and wealth Xinsheng,
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Very good wealth management products, there are still three days to stop selling.
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This is a wealth management product that can be paid for three years.
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You have paid it every year for 5 years, and then grit your teeth to pay it for 5 years, and you can't take out the premium after you arrive, and you can't pay dividends if you take it out.
If you want to take them all out, then you will cancel all those insurance items in the future. I can't report it, I understand, if not, you can ask their customer service.
I suggest that you continue to teach, and you can share dividends if it is good for yourself.
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Hello, it is definitely not cost-effective for you to surrender the policy now.
You should be able to take it all out when it expires.
However, you have to look at your insurance policy for the amount of interest.
There is an annual cash value in it.
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It can be withdrawn at one time at the end of the period, but all insurance items cannot be reported in the future. It's certainly not cost-effective to surrender the policy now.
Ping An Zunhong Life Insurance is a high-end financial insurance, Ping An Zunhong Life Insurance adheres to the three characteristics of Ping An Dividend Insurance, which is safe, profitable and flexible, and has the characteristics of short-term payment and lifelong benefit, which can help customers maximize the effective inheritance of wealth.
Extended Materials. Surrender refers to the termination of the legal relationship determined by the contract between the two parties upon the application of the policyholder and the insured, and the consent of the insurer, when the insurance contract is not fully performed, and the insurer returns the cash value of the insurance policy in accordance with the Insurance Law of the People's Republic of China and the contract. During the policy period, the policyholder can apply for surrender of the policy.
Surrender during the cooling-off period.
Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.
Normal surrender. Surrender beyond the cooling-off period will be regarded as normal surrender. Policies that have received insurance benefits are not eligible for surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.
The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.
In a long-term life insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill its contractual obligations, and when the insured requests to terminate or surrender the policy for any reason during the validity period of the insurance, the insurance company will return the balance of the liability reserve minus the cancellation deduction to the insured according to the regulations, and this part of the amount is the cash value of the policy.
Surrender feature refers to the act of either party to the contract announcing (or requesting) to terminate the insurance contract and cancel the insurance policy during the validity period of the policy. In general, a non-life term insurance policy contains a clause for terminating the insurance contract, which stipulates the conditions for either party to cancel the insurance policy before it expires, so as to protect their interests from being damaged by the continuation of the insurance contract.
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Summary. Hello dear! Fixed return is high.
Survival Benefit: Ping An Zunhong Life Insurance will pay 18% of the basic sum assured every year starting from the 3rd policy anniversary and before the age of 60; From the age of 60 onwards, 20% of the basic sum assured will be paid annually.
Special Survival Allowance: After the expiration of the premium payment period, it will be paid at the rate of (annual premium paid and 2% of the premium payment period).
Blessing payment: 50% of the basic sum insured will be paid at the age of 60 (no blessing payment will be paid if the insurance is applied after the age of 57).
2. Zunhong Life + Treasure Accumulation upgraded version of "Accumulation of Interest".
Ping An Zunhong Life Pays 10-year income statement.
Hello dear! Fixed return of high survival benefit: Ping An Zunhong Life Insurance will pay 18% of the basic sum assured every year from the third policy anniversary until the age of 60; From the age of 60 onwards, 20% of the basic sum assured will be paid annually.
Special Survival Allowance: After the expiration of the premium payment period, it will be paid at the rate of (annual premium paid and 2% of the premium payment period). Blessing Gold:
At the age of 60, 50% of the basic sum insured will be paid (no blessing will be paid if the insurance is applied after the age of 57). 2. Zunhong Life + Treasure Accumulation upgraded version of "Accumulation of Interest".
3. Zunhong Life + Wealth Treasure Guaranteed compound interest income is high calculated on a daily basis, settled on a monthly basis, monthly compound interest, with a guaranteed annual interest rate. 4. The four funds are available at any time for survival funds, dividends, blessing funds, and 90% of the cash value of the policy loan; Flexible, convenient and contingency, policy loans are more colorful. 5. Legal protection and high security.
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If you want to know how much you can get at the age of 60 when you apply for Ping An Zunhong Life Insurance (Dividend) at the age of 55, you have to look at the specific insurance plan.
It's better to take a look at the coverage map of this product first, and then calculate it together:
It can be seen that if we take out this Ping An Zunhong Life Insurance (dividend), we can receive the money including survival insurance, special survival insurance and blessing insurance.
If you apply for insurance at the age of 55, you can receive 18% or 20% of the sum insured every year from the third policy anniversary, and if the sum insured is 10,000 yuan, the annual survival insurance benefit will be 1,800 yuan or 2,000 yuan. If the insured survives to the end of the policy year at the end of the premium payment period, he or she can also receive a one-time special survival benefit of 2% of the premium paid.
In addition, since the insured is not more than 60 years old on the 3rd policy anniversary of the contract, the insured will be able to receive a blessing benefit (50% of the basic sum assured) if he or she survives. You can do the math yourself.
In addition, this product can also provide policy dividends, but we can't predict the specific dividends, you can click on this article to understand the reason: Why are the complaints about participating insurance so high? Demystifying the mystery of participating insurance.
In addition, if you want to further increase your income, you can also attach a universal account when you apply for insurance. But you must remember to do your homework before applying for insurance: [link] Wealth management with universal insurance, stable and safe income? Doxxing universal insurance.
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Depending on your sum insured, you can receive a survival pension after paying for three years, before the age of 60 is 18 of the sum insured, after the age of 60 is 20 of the sum insured, and there is a birthday pension at the age of 60.
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Ping An Insurance's insurance products, of course, are not to deceive people not to listen to the salesman before purchasing, but to read the insurance terms clearly to avoid being deceived.
As a participating insurance also said that the payment time is short, and the payment fee is definitely more cost-effective, especially the compound interest and interest-bearing financial products like Zunhong Life, 50,000 3 years are two years shorter than 30,000 5 years, that is to say, the total amount of payment remains the same, and the 3-year payment is two years earlier than the 5-year payment.
Extended information: 1. Can Ping An Zunhong Life Insurance be surrendered?
It is possible to surrender, all insurance products can be surrendered, and it is worth noting that this product has a ten-day hesitation period, during the hesitation period can be surrendered in full, and the surrender outside the hesitation period is the cash value, there is a loss, you can give the insurance company **, so that you can directly surrender the policy.
2. What are the advantages of Ping An Zunhong Life Insurance:
1. The fixed return is high, the survival fund of this product is from the 3rd policy anniversary, before the age of 60, 18% of the basic sum insured will be paid every year, and from the age of 60, 20% of the basic sum assured will be paid every year, and the special survival fund of this product will be paid after the expiration of the premium payment period and 2% of the premium payment period will be paid annually, and the blessing will be paid at the age of 60 years when the insured person is 60 years old, 50% of the basic sum assured.
2. It has many advantages such as calculating the interest rate guarantee, additional premiums, free receipt by the policyholder and the insured, and at least return after death. 3. Calculated on a daily basis, settled on a monthly basis, compounded on a monthly basis, with a guaranteed annual interest rate.
4. 90% of the cash value of survival funds, dividends, blessings and policy loans; Flexible, convenient and contingency, policy loans are more colorful. 5. The beneficiary insurance money shall not be used to pay off debts, exempt from individual income tax, there is no dispute over property distribution, and there is no use of fair pre-marital exclusive property, and the life insurance company shall not be dissolved.
3. How about Ping An Zunhong Life Insurance:
This product will be the longevity of cash flow, the stability of assets and the security of wealth of the three perfect unity, and through the main insurance loan, with insurance can be received, for the flexibility of assets into new vitality, with lifelong, stable, flexible and peace of mind four characteristics, to help customers reasonable allocation of family assets, the insurance period of this product for life, before the age of 60, 18% of the basic sum insured will be paid every year, from the age of 60, 20% of the basic sum insured will be paid every year, and the payment period is divided into 3 years, 5 years, 10 years, The bidding age corresponding to each payment period is also different, so this product is still very good.
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