Which is better, New China Life s good profits and safe Jinyu life?

First, security. Ping An: In terms of protection: "If the insured dies, we will return the insurance premium paid without interest, and the main insurance contract will be terminated." ”

Xinhua: 105% of the premium is paid

Second, the survival fund.

Safety: 10% of the basic sum insured every two years before the age of 60, and 6% of the basic sum insured every year after the age of 60

Xinhua: Before the age of 70, you will get 10% of the basic sum assured + accumulated dividend sum insured every two years, and return the principal + annual dividend and final dividend at the age of 70, so that you can live a respectful life in your later years. People work hard all their lives, isn't it just to be happy in their old age?

You can do whatever you want. "That 6% is enough to buy rice".

There are two other highlights of Holly:

1. If the survival fund is not claimed, it will be entered into the accumulated interest-bearing account by default, and the monthly compound interest will increase.

2. If the insured dies or becomes totally disabled due to an accident between the ages of 18 and 60, the renewal premium will be waived and the insured will continue to benefit from the insurance benefits (including the return of principal at maturity).

Third, if the maturity pension is not received at one time, it can be converted into an annual or monthly pension.

After the guaranteed income is over, let's talk about dividends.

Ping An dividends are paid according to the American style, that is, cash dividends, according to the premiums paid. We are talking about civilian dividends.

Xinhua according to the British dividend, that is, the amount of dividends, dividends according to the amount insured, Europe prevails this kind of dividends for the nobility dividends, British dividends originated from the British mutual insurance company, the insurance company was originally established to help each other, so this dividend is closely related to the interests of shareholders and customers, must have customers have income, shareholders have income. There are many customer interests, and there are many shareholder interests, and I hope that the best person you are looking for can draw a dividend mechanism diagram with you to understand the difference between the two red points.

The above personal opinion.

I agree with what Big Brother ABCD said.

The brand is in Life, the eloquence is in Ping An, and the product is in Xinhua.

Each has its own characteristics, Haoli pays attention to the principal preservation and appreciation every year, the return base remains unchanged, and there is a secondary value-added function, there is a way to convert the pension monthly, and the insured dividend makes the interests of customers greater.

Ping An's Jinyu Life Return Base is changing, 10% before the age of 60 to 6% after the age of 60, there is no account secondary value-added function, can not be converted to pension monthly receipt, cash dividends.

The payment period is not the same. Anyway, each has its own characteristics, depending on what problem you want to solve, treat it specifically, there is no good or bad, only more suitable.

A safe Jin Yu life is good.

The return base of Jinyu Life is getting larger, 10% of the sum insured will be returned every two years before the age of 60, and 6% of the sum insured will be returned every year after the age of 60.

The annual base of Holly is unchanged, and 10% of the sum insured will be returned every two years.

How about returning more than 10% in two years or returning two 6%, that is, more than 12%?

Colleagues in Xinhua, your 10% in those two years is not equal to 5% per year, are you enough to buy rice?

Please keep your eyes peeled and read the terms carefully.

Good every year... Dividends are still very tempting...

Summary. Insurance surrender process: 1. First of all, you must confirm whether you meet the surrender requirements, you can call the insurance customer service ** for consultation, or you can go to the insurance company to inquire; 2. After confirming that you meet the surrender conditions, you should prepare relevant surrender information as required, generally you need to prepare your valid ID card, bank card, first invoice, first policy contract, etc., it is recommended to prepare the original and copy; 3. Then bring the materials to the local insurance company counter to go through the surrender procedures, you need to receive and fill in a "Application for Termination of Insurance Contract", fill it out and hand it to the staff of the insurance company, and also fill in some documents to explain it, and see the signature; 4. Specify the bank account you use to surrender the insurance, and if it is a new card, give a copy of the other party's bank card; 5. Wait for the insurance company to review, and the insurance company will transfer the money to the designated bank account after the review is passed.

Tips: Surrender can only return part of the amount is not cost-effective, so before buying insurance, you must understand that the product can not be trusted by the salesman, you have to inquire about the advantages and disadvantages of the relevant insurance, so that you know, and finally wish you peace

Ping An Jinyu Life surrendered in 10 years.

The surrender of the policy returns about 30% to 70% of the principal paid, which should be calculated by the salesman according to the actual situation.

There is a value chart in your contract, you can see that the tenth year is your surrender value.

Insurance surrender process: 1. First of all, you must confirm whether you meet the surrender requirements, you can call the insurance customer service ** for consultation, or you can go to the insurance company to inquire; 2. After confirming that you meet the surrender conditions, you should prepare relevant surrender information as required, generally you need to prepare your valid ID card, bank card, first invoice, first policy contract, etc., it is recommended to prepare the original and copy; 3. Then bring the materials to the local insurance company counter to go through the surrender procedures, you need to receive and fill in a "Application for Termination of Insurance Contract", fill it out and hand it to the staff of the insurance company, and also fill in some documents to explain it, and see the signature; 4. Specify the bank account you use to surrender the insurance, and if it is a new card, give a copy of the other party's bank card; 5. Wait for the insurance company to review, and the insurance company will transfer the money to the designated bank account after the review is passed. Tips:

Surrender can only return part of the amount is not cost-effective, so before buying insurance, you must understand that the product can not be trusted by the salesman, you have to inquire about the advantages and disadvantages of the relevant insurance, so that you know, and finally wish you peace

Hello, Ping An Jinyu Life Insurance (Dividend) This is a life and death insurance, and the term of the insurance is lifelong, and the payment can be divided into three years and five years. If you say that you have paid for 5 years, you can buy it at the age of 0 55, and if you say that you have paid for 3 years, you can buy it at the age of 0 57. The insurance liability includes a survival benefit of 10% of the basic sum insured every two years until the age of 60 and 6% of the basic sum insured every year after the age of 60, and can be paid for life.

It also includes a death benefit, which means that after death, all the premiums will be returned to everyone, and there will be dividends.

This question, in fact, is not good.

Because you're not sure what you're doing with it.

If it's protection, neither of them is suitable.

If it's financial management, accumulating education funds, or other financial family needs, it's a different matter.

Jinyu Life, if there is no additional critical illness, is actually not insurance, it is a good short-term accumulation of pension products, or you can use it as a tax avoidance and asset preservation product.

Xinli products have two forms, namely golden apple and golden sun.

Golden Apple is heavy on protection, Golden Sun is heavy on the accumulation of financial management and education funds.

Both are both insurance, and the overall difference is not much. Xinli still has some protection responsibilities.

Buying such two types of participating insurance, in fact, has little to do with protection, and the basic orientation is medium and long-term financial management.

As for the income from dividends, you can refer to the income from dividends in recent years, but you should also consider your own affordability and specific needs for future life.

Basically, customers buy protection products first and then consider such pure wealth management products.

Basically, there is also the overall expenditure and pattern of premiums.

If you consider the above products, it is advisable to think about them clearly, it is best to have a good understanding of your own assets and liabilities, and also to understand the situation of your household's cash flow.

The issue is complex and it is advisable to consider it carefully. The main thing is to understand whether spending money is consumption or investment, what it is used for, when it is used, what is the expected return, and there are several different life situations to consider.

If you can explain all this to yourself, you're OK!Otherwise, after figuring it out, make a decision.

After all, life and money are your own, and you have to figure out what you do.

If I don't have a clear purpose and idea, I don't know the meaning of this act.

If it's just for profit, that's a sad thing.

Rule: Focus on protection first, then talk about benefits. Protect the adults first, then talk about the children. Plan your life, put safety and stability first, and the rest second. There is no such thing as a risk-free high return, the question is, how much risk you can take and what you want to do.

It's all pension insurance, is it true that the education fund + comprehensive accident hospitalization medical care that children need most have been done?

Education Gold: Lucky Star Sends Treasure, Century Rainbow!

If it is the most recent one, I recommend Ping An's Jixing Delivery, the first comprehensive financial product.

There is no good or bad insurance, see which one is more suitable, the key is to use it. It's not good to buy insurance that doesn't work for a lifetime; I just bought it and used it in less than two days. Jinyu has a short payment and low protection, while Xinli has a long payment and high protection. The choice is yours.

First of all, I want to explain to you that these two products are financial management. Since you choose the financial management type, you must want to maximize the benefits, right?

As for health accidents first, pension later, adults first in children, etc., I see that many people have already given the answer.

I helped you take a look, you can also go to the official website to see, the same 30-year-old man as an example, the delivery period is 10 years, the annual payment is about 50,000, the blessing of life is guaranteed to 74 years old, we assume that it will not be received until the age of 74 (benefit maximization) Its income is Cumulative survival payment + maturity payment + dividend (high-grade) = 1.11 million + 10,000 + 820,000 (in fact, it is more than 10,000) = 2.03 million (rounded).

At the age of 74, Jin Yue Life (directly looking at the accumulation of interest on the survival fund) = 2.24 million, and then you can continue to receive it until the age of 88.

But you have to be clear that this is only a financial management type, in addition to death, you are a little sick and painful, these insurances will not help you.

In the case of similar products, it is necessary to compare the company's strength, because the company's profitability is directly linked to our income.

As far as I know, Taiping is the first insurance company in China established in 1929, and it is also the only Chinese insurance company that can undertake foreign business.

Personally, I recommend choosing Taiping.

The first you have to look at the company's background, which is state-owned and has long-term income, and the second product is a dividend pension insurance. Then it depends on the character of the ** person. Which do you prefer?

Buy any insurance product should understand it, first look at the company's background, his development prospects, and then carefully understand the insurance terms, just listen to the insurance salesman said that it is a bit one-sided, if his words can be written into the contract, if not, then you have to consider carefully. Hope it helps.

Look at your financial strength and choose insurance. If you are young, it is recommended not to buy. In that is the issue of insurance rebates.

See which one has more returns. I also only learned about the rebate today, and the Taiping has a return of 30 35 points. I haven't gotten my Jinyue Life insurance contract yet.

The insurance broker didn't tell me either. There's a problem here.

Taiping's Jinyue life is mainly pension-type, in addition, this paragraph is also with dividends, can be withdrawn freely, but it is recommended that the accumulation of interest is more cost-effective, because the dividend of insurance is cumulative interest-bearing, before the age of 66 is received every other year, and every 5 times more than 5% of the sum insured, to the age of 66 is 3% of the sum insured per year, until the age of 88, the contract is terminated. The early income is not large, the later it is, the greater the income, as for the amount of your premium, it depends on your financial ability to invest, do what you can!

Individual targeting is different. The other is the size and strength of the company. Buying insurance is the same as buying clothes, you look at the brand, and I believe that the products and services of large companies are believed.

The most important thing is the service, future renewal, invoice change and so on. All follow-up services are required. Hope it helps.

The types of insurance launched by each insurance company are basically the same, you can't say for sure which one is good, but you have to choose the product you need according to yourself, don't make comparisons, if you don't have protection, you must buy a protection first, and then you choose other products according to your purchasing power. For example, critical illness, medical, hospitalization and other insurance.

It's important to figure out what you need and don't buy something you don't need.

It only makes sense to compare products for your specific needs.

Xueba talks about insurance, focusing on insurance evaluation! This comparison table of the latest 35 participating insurance products and 101 mainstream critical illness insurance products in 2020 is given to friends who know the answer when they see this articleComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in ChinaI have met many people who buy dividend insurance only to hear that others say it is good, so they buy it, and they don't understand what dividend insurance is, do they need it?Let's take a closer look:

Dividend insurance is actually a kind of insurance that has both protection and dividends, it provides customers with corresponding protection, and at the same time, it also gives customers a certain amount of dividends according to the company's operating conditions.

For a long time, dividend insurance with its "protection + income" characteristics by consumers love, for troublesome customers, buy an insurance accident compensation, nothing can also return dividends, why not?In fact, there are not a few people who want to surrender the insurance after buying the dividend insurance, because everyone finds that the dividend income is exaggerated.

Clause.

1. It is difficult to receive dividends from dividend insurance.

Second, the dividend pool is not transparent.

The existence of these two characteristics makes the dividends that customers can get an unknown, and it makes the dividend insurance a peak type of insurance for customer complaintsWhy is participating insurance a "high-incidence area" for insurance?It's all made clear.

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!