I bought a Ping An Fu insurance in April this year, a 43 year old woman, 14,700 yuan a year, I have

Xueba talks about insurance, focusing on insurance evaluation! Well? How do children buy insurance?

This question seems to have a high appearance rate recently, so I'll talk about how our children should be insured I helped my cousin buy a critical illness insurance before, if you are interested, you can find outDesigned for 4-year-olds! Comparison Table of 136 Popular Critical Illness Insurance in China

As the risk of illness is relatively small for 4-year-olds, the premium for insurance is the lowest for all ages, and there are many options. Let me talk about the general idea, mainly including:Critical illness insurance + accident insurance + medical insurance

1.Critical illness insurance

Although the probability of children suffering from critical illness is not particularly high, some critical illnesses are highly common in children, so it is recommended to configure. How much is the premium? It only takes a few hundred yuan per year to get hundreds of thousands of insurance amounts, which is cost-effective.

Which critical illness insurance products are worth buying? Don't miss it when you walk byDesigned for 4-year-olds! 2020 Top 10 [Cheap and High-quality] Children's Critical Illness Insurance".

2.Accident insurance

Children are more lively, often falls, burns, these situations, buy an accident insurance, you can get a fee from the insurance company after this situation occurs. And it's really not expensive for children to buy accident insurance, don't want 200 a year, buy it! Is there an accident insurance product with full coverage and high cost performance?

Yes! Don't let it goDesigned for 4-year-olds! The 10 most worthwhile children's accident insurance points!

3.Medical insurance

Medical insurance is very cost-effective, which means that it is very low, but there is a lot of coverage, and the sum insured is also very high. In most cases, it will be used in conjunction with critical illness insurance, which mainly covers the expenses of hospitalization, drugs and other expenses, is medical insurance expensive? The answer is not expensive, only more than 100 a year, most families can afford it, but the reimbursement amount has reached an astonishing million, it is highly recommended to buy! Hope!

A 30-year-old person is usually the backbone of the family, not only to support the family, but also to bear the heavy pressure of car loans and mortgages, and the pressure of work is not small, any risk may lead to the whole family into a crisis, so for people of this age, it is really necessary to buy insurance.

So what kind of insurance is suitable for people of this age? The recommendations are as follows:Critical illness insurance + medical insurance + accident insurance + term life insurance

1.Critical illness insurance

2.Medical insurance

3.Accident insurance

You never know which will come first, the accident or tomorrow, although this is a sentence that is about to be rotten, but the truth is true. Accident insurance is one of the essential types of insurance for men, women and children, not to mention that it is very cheap. After all, if someone at this age accidentally has an accident, the responsibility of raising the family will not be able to continue.

Therefore, it is very important to have an accident insurance policy.

4.Term life insurance

At this age, you not only have to honor your parents, but also raise your children, and you have to repay the car loan and housing loan. In the event of unfortunate death, it is a heavy blow to both parents and wife and children, and the role of life insurance is to leave a protection for your family when you are unable to fulfill your responsibilities.

The customer's question is: can I get a loan of 100,000 yuan after paying 6,800 yuan per year for 2 years? It is true that you can't, the insurance contract loan is 80% of the cash value in the loan insurance contract, how can it be 100,000 yuan.

Policy loans can only lend the proportion of the cash value of the policy, and among all the policies, only the annuity product has the highest cash value, and the cash value of the protection product is very small, so you can borrow less.

No, you can only borrow how much percent of the amount you have paid, and you have only paid it twice, and the value of the policy is not so much, so you can't borrow so much money!!

If you use the policy loan, you can only borrow 70% of the cash value, which is about 2,000 yuan.

Find your ** person, apply for a policy loan, you can combine salary loan, car owner loan or corporate loan, if you have a good credit history and complete information, there should be no problem.

I can't get a loan. Only 90% of the cash value of the policy can be borrowed

Nothing is impossible in peace! You have to contact your ** person who can help you solve your problem!

Hello, the policy needs to be paid continuously for 3 years before the loan.

As long as you pay the bill for half a year, you can get a loan.

Only 70% of the cash value can be borrowed.

You are dreaming, you want to borrow 100,000 yuan if you pay 6800.

It's convenient to find a salesman to help deal with it.

The cash value is so small that you can't borrow much.

You can find your ** person or directly consult the local company's service point, which will be clearer.

The formalities are complete, and it should be fine.

Ask the salesman who sold your insurance directly, and he will handle it for you.

45 years old this year, I have been buying Ping An Fu insurance for 5 years, paying 23,000 yuan per year for 20 years, with an insurance amount of 500,000 yuan, I feel that the character ratio is very low, and now I still want to surrender the insurance, the expert gives a suggestion, thank you.

Hello! We'll be happy to answer for you. Ping An Fu Insurance is indeed a relatively pitty insurance, with only 1 compensation for critical illness and mild illness, and only 20% compensation for minor illness, which can be said to be very low protection.

If you pay for 20 years, the insurance amount will be 500,000, which is indeed very low. The insurance can be surrendered, but the surrender of the insurance amount cannot be all, and part of the liquidated damages must be paid, depending on the contract requirements.

Refund can only be made based on the cash value of the current year. The purpose of the insurance is not to surrender the policy. Thirty years later, at the age of 60, it is a period of high incidence of diseases, and surrendering the policy is definitely not a wise and rational choice.

The surrender of the policy can only be based on the cash value of the current year, and customers can check the cash value** in the plan or policy contract to see the specific amount that can be surrendered in the 30th year.

If Ping An Fu expires and withdraws in the second year after the expiration of the payment period, the cash value is not the same as the premium paid, and is less than the premium paid.

If it is of a certain age or the benefit period has ended, then the cash value is greater than the premium paid. Insurance itself is protection, insurance is a medium and long-term investment, no bank is flexible, when there is a risk accident, the function of insurance is revealed. Therefore, it is not recommended to surrender the policy.