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From several perspectives, from a purely economic point of view: a little stronger than the bank.
1. The interest rate is much higher than that of the bank, but it is not as flexible as the bank, and the money you take out when you surrender the insurance will be less than what you save.
2. In the short term of 10 years, it is similar to bank deposits, and the longer it is after 10 years, the more cost-effective it is than the bank.
From a comprehensive point of view: much stronger than banks.
1. The economy is definitely stronger than the banks.
2。You have protection, no matter what investment or bank deposits, it will not provide you with protection.
From the phenomenon again, almost all the banks I can see now are selling their own insurance products, and the banks themselves are not responsible for insurance liability, but are equivalent to the intermediary form of insurance business, from which they make profits. If deposits are more cost-effective than insurance, why do banks still come to sell insurance at their own business premises?
Friendly reminder, it is best not to go to the bank to buy insurance, first, the bank just uses its own trust in this advantage of insurance products, they themselves do not bear any responsibility for insurance products, second, the bank sells insurance products, most of them do not understand insurance, can only give you how good the product is, third, you have no one to serve in the later stage, the bank salesman will not care about your various services in the later stage.
Hope it helps.
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More than banks. Interest for 04 years is minus a 20% interest tax.
That's 3348 interest.
That's 466 bucks higher.
It's old.
**The guaranteed return of 3W is 6000, which is definitely suitable as a financial product.
The guarantee is provided to you by Xinhua Company.
Why is it not as flexible as a bank?
Because this is a long-term deposit, from a different perspective, remind yourself that you can save money.
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It's a little better, there is security, there are dividends, and the income is a little higher than that of the bank for five years
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Did you buy Double Happiness A? If you bought it five years ago, you have to look at the bank interest rate five years ago. Now buy after 5 years you should not be able to calculate, because the distribution of dividends is uncertain.
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I bought it at the bank. If the 10-day hesitation period has passed, then do not return; If not, retreat quickly; If you didn't buy it, you're wise – one of my clients bought this and returned it after looking at the cash value.
1. The cash value is 32080 after 10 years
2. Not all of the 10,000 miles in the first year have entered the dividend account, but the operating costs will be deducted, so after three years, what you will get is not 32080 plus dividends, but the time when you need to return to the capital.
3. If the 10-day hesitation period has passed, then don't refund, it's too much of a loss. It's better to save it. However, instead of saving like this, it is better to save for a fixed period of 5 years.
4. Buy a financial insurance!
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What you said is a bit of a mess, so let's do what you say first.
1.10,000 a year, 30,000 in three years. It is equivalent to saying that ten years later, if the dividend is not added, the interest will be 2080.
2.Since it is life insurance, if there is any accident that affects life during the 10-year insurance period, the insurance company will pay compensation.
3.Xinhua is a British-style dividend, that is, dividends are distributed to customers in proportion to the sum insured. Every year, the dividends of insurance companies are different, mainly depending on the capital operation of insurance companies, Xinhua is mainly a Huijin Holdings, in terms of capital operation is still more worrying, every year the income is increasing, do not underestimate the dividends.
So don't surrender the policy, if you return it, you won't be able to get 32080.
4.With a premium of 10,000 a year, how can the sum insured be 32080? It should be that the bank staff did not explain it clearly or did not let you figure it out.
5.It is recommended to find an insurance marketer directly in the future, which can be carried out one-on-one, and your insurance questions will be answered clearly. Then there is that you must not pay money before you understand the policy, and if you don't understand your interests, there is an event that should be paid.
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Hello! You pay for three years, the sum insured is 32080, and after three years, you can't actually go out so much, you have to look at the total benefits of survival for 3 years. Generally, dividends and investment income are withdrawn.
The cash value is what you look at when you surrender the policy. However, if you have 3 years of insurance, it will not be considered a surrender after 3 years of payment. If the policy is very clear, you can ask her according to the policy.
If she doesn't understand it either, be careful.
If the hesitation period has passed, it is recommended not to return, which is very disadvantageous. You can hit him and scold him for not retreating.
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Xueba talks about insurance, focusing on insurance evaluation! The comparison of 35 participating insurance products and 101 popular critical illness insurance products in 2020 is here35 participating insurances PK 101 mainstream critical illness insuranceParticipating insurance is simply a kind of life insurance that can pay dividends, if you buy participating insurance, in addition to getting a certain amount of protection, there will be a dividend every year, which is the characteristics of participating insurance, which can not only manage money but also protect.
It is true that participating insurance is quite popular with customers in the form of "protection + dividends", but this is not the case, "dividends" sounds simple, but I have seen friends who hold participating insurance, no one gets the expected returns.
First, there is uncertainty about how much policy dividends can be distributed.
Second, the dividend pool is not transparent.
The existence of these two characteristics makes the dividends that customers can get an unknown, and therefore makes the dividend insurance the most complained about by everyone, and the reasons are in this articleWhy is the dividend insurance frequently complained?! If you are interested, you can learn about it.
Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!
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70% of the annual surplus of the insurance company is used for dividends, and the dividends written in the insurance contract are uncertain. But from the understanding of dividends, dividends can be regarded as every year, but it is just a matter of more and less! For example, Ping An lost tens of billions of yuan in investment in 2008, but the dividends to customers were not less at all!
If you want to take out the dividends of the insurance you bought, you can only take out the cash value of the dividends, which is a little less than the actual dividends; If you don't take it, you will take out the principal, 10-year dividends, and final dividends at the end of the 10-year period, and I believe that the interests will be higher than your mother's bank deposits!
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It's a pity that if you found out earlier, you wouldn't have suffered a loss if you withdrew within 10 days, and now your loss is not small, but if you want to withdraw in the middle of the cast, the loss will be even greater. Don't you see a line of small print, the bonus is based on the operating conditions of the insurance company, and sometimes it can be zero. Don't you understand this, dividends are said nicely every year, but often there is no bank current when you withdraw them.
You have to remember that you can get the principal at the end of the ten-year payment period, you can open the contract to find the cash value, and compare it, the corresponding amount of your payment year is the amount that should be refunded to you when you surrender the policy, which is very simple and clear. I don't know if I don't see it, I want to scare you when I see it, the loss is a foregone conclusion, the key is to understand it earlier, the less the loss.
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Hello, I'm from Xinhua Insurance, and I'm here to help you solve your doubts.
First of all, all the insurance products of Xinhua Insurance Company are insured dividends, such as your mother's insurance of this double happiness C, five thousand per year, from the date of insurance, Xinhua is actually about 27,000 yuan of the insured amount as the dividend base for you to calculate dividends (if your policy is a five-year term, the premium paid within five years is actually 25,000, and the extra 2,000 or so is a fixed income, that is, there is no dividend after the maturity, and your income is more than 2,000 or so, please see your policy for the specific amount, Fixed benefits vary according to the age at which the policy is issued).
Secondly, dividends will be there every year, and the company will have special dividends if it is profitable in the current year, for example, there will be two special dividends in 2007, plus the annual dividends of the year, that is to say, there will be three dividends in 2007. When your policy reaches five years, there will be a terminal dividend, (the only insurance company in China with a terminal dividend is Xinhua).
For example, if the first year's dividend is 350, then the 350 yuan will be added to 27,000, and the dividend base for the next year will be 27,350 yuan. Therefore, the dividend is received in a lump sum after maturity, and the amount you can receive at maturity should be: principal + fixed income + 10-year dividend (special bonus) + terminal bonus.
In general, the return of this policy is definitely higher than that of the bank's deposit in the same period, so there is no loss (except for early surrender).
If there is anything you don't understand, you can add q11177236, I hope it can help you.
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The dividends of Xinhua's insurance will be distributed every year, but they cannot be received halfway, unless the contract is terminated due to the occurrence of claims or surrender. If you surrender the policy halfway, you will definitely lose money in the first few years, and you may not even get back the principal. The amount that can be refunded can be seen in the "cash value" item on the insurance policy.
When buying insurance, **people are very important, it is best to find a full-time **person from an insurance company, why didn't you buy it when you figured it out? If you're in Beijing, I can help you.
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Xueba talks about insurance, focusing on insurance evaluation! I spent a week compiling a comparison table of 35 participating insurances and 101 popular critical illness insurancesA list of 35 participating insurances and 101 major critical illness insurancesParticipating insurance refers to the insurance company that invests part of the customer's premium, and distributes the investment income to the policyholder according to a certain amount of financial insurance products after deducting the cost, which has both protection and return dividends, which makes many people excited.
Indeed, participating insurance is quite popular with customers in the form of "protection + dividends", but friends who have bought participating insurance, have you really received a "red"? Anyway, I haven't seen anyone actually make a significant profit.
Clause.
1. It is difficult to receive dividends from dividend insurance.
Second, the dividend pool is not transparent.
It is precisely because of the existence of these two characteristics that it is difficult to earn dividends, and it makes dividends insurance frequently complained aboutParticipating insurance has such a high complaint rate?! It's all made clear.
With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!
That's all for me"My mother bought Xinhua Life Double Happiness New C Dual Happiness Insurance (Dividend) to pay 5,000 yuan a year, and I have been buying it for two years, and I have a lot of questions, and I don't know how to pay dividends and how to make a profit"I hope to adopt all the answers!
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New China Life Insurance is a dividend of the sum insured, and the dividend is determined according to the company's annual operation: at the end of each fiscal year, the participating insurance business of the fiscal year is accounted for, and the dividend distribution plan is determined according to the actual operating conditions of the participating insurance business. If a dividend distribution is confirmed, the Company will make the dividend distribution in accordance with the provisions of this Article.
Dividends are distributed in the form of annual dividends and terminal dividends. On the basis of the effective amount of the corresponding day before the effective date of the policy, the effective insured amount of this contract will be increased according to the latest announced dividend rate. The final bonus can be incurred at most once during the validity period of this contract.
This contract is paid when the insurance contract is terminated due to the expiration of the insurance contract, the occurrence of an insured accident, surrender, etc. In the event of a reduction of the policy, the portion corresponding to the termination of this contract shall be paid. There are three types of terminal bonuses:
1. Maturity survival bonus.
The insured survives until the expiration of the contract, and this contract is terminated. The Company will carry out maturity accounting according to the actual operating conditions of the participating insurance business, and if it is determined that there is a dividend distribution at the expiration of this contract, the maturity survival bonus will be increased by the insured amount accordingly.
2. If the compassionate insured dies one year after the effective date of this contract, the company will calculate according to the actual operating conditions of the participating insurance business, and if it is determined that there is a dividend distribution when this contract is terminated, the dividend will be increased in the form of a compassionate payment accordingly, and the contract will be terminated.
3. Special bonuses.
One year after the effective date of this contract, if the contract is terminated abnormally due to reasons other than the above two items in this article, the company will calculate according to the actual operating conditions of the participating insurance business, and if it is determined that there is a dividend distribution at the time of termination of this contract, the cash value of this contract will be increased accordingly in the form of special dividends.
The amount of the above terminal dividend may vary due to differences in policy features (including policy term, basic sum assured, policy years, age, etc.).
If you want to receive it at maturity, the company will pay the maturity survival insurance benefit according to the sum of the basic sum insured and the accumulated dividend insured amount, and the contract will be terminated.
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Dividends are uncertain, there may be no dividends, dividends depend on the operating conditions of the insurance company, can be received every year, can also be stored to earn interest, generally it is best to choose to store to earn interest, so that the benefits can be maximized.
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Xinhua Double Happiness is a comprehensive insurance (participating insurance), what is comprehensive insurance? That is, life and death, both life and death, sounds great! But is this Xinhua Double Happiness really so glamorous?
Poke the blue word to see the full analysis:"Xinhua Red Double Happiness, the income is choking.
So is Double Happiness a good insurance for both worlds? Let's have a ***!
Double Happiness series products are Double Happiness A (10 years of single payment), C (10 years of regular payment) and D (5 years of single payment) three models, first of all, a table, look at the introduction of the three products:
Overall, the advantages are as follows:
1. High dividend base:The annual dividend base is high, and the final dividend is more returning.
2. Better protection responsibility:Double accident protection.
3. Full product functions:It is suitable for education, marriage, entrepreneurship and pension.
But these shortcomings are really hard to ignore:
1.High threshold for insurance:The income is high, the premium is naturally not cheap, and it is suitable for those who have a certain financial strength and need long-term investment.
2.Policy dividends are uncertain. Depending on the operating situation, the revenue share is uncertain, with or without it, more or less. Until the moment you get the money, no one can tell how much you can get.
What should I do if I want to surrender the insurance after buying Xinhua Double Happiness Insurance?
1. If the cooling-off period has not passed, the policy can be surrendered in full.
2. Reduction and payment:If it is not cost-effective to surrender the policy after the cooling-off period, you can consider reducing the sum insured to greatly reduce the pressure of payment, but there is still a certain amount of protection.
3. Change the payment method:If you are under pressure to pay the premium in a short period of time, you can change the annual premium payment to monthly or quarterly payment.
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