Life Life Life Red on Red E Insurance, how much money can you get after five years

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This newspaper (Wang Jiao, reporter Liu Hua, photo Xie Minggang) The inherent model of traditional bancassurance products according to cash dividends has been broken. Recently, Life Insurance launched the Life Red (Dividend) C product in Chengdu, which innovates the dividend model of traditional bancassurance products, using the sum insured dividend instead of cash dividend, which greatly improves the income ratio of the policyholder.

According to Yao Qiang, director of the business area of the ** department of the bank of the Sichuan branch of Life Insurance, "our company's new life red and red insurance (dividend) C section takes into account the protection and investment functions, compared with the traditional bancassurance products, it is characterized by the innovation of the dividend model, the product uses the sum insured dividend instead of cash dividends. For example, the policy you purchased is an annual premium of 10,000 yuan, the payment period is 5 years, and the insurance amount is 53,490 yuan.

In the first year, the policy uses 53,490 yuan as the dividend base, and obtains annual dividends according to the company's actual operating results. It will be included in the next year's sum insured in the form of an increase in the sum insured, and so on. The insurance benefit amount and annual dividend base of the policy will increase in the form of compound interest year by year, and a terminal dividend will be paid at the end of the policy.

The maturity insurance benefit you get is the basic insurance premium of 53,490 yuan + 10-year cumulative annual dividend + final dividend. ”

This product has the three advantages of 'large dividend base, light pressure of installment payment, and family financial management plus protection'. At the same time, during the validity period of the insurance contract, you can also enjoy the high protection of double compensation for general accidents and triple compensation for specific traffic accidents! ”

Of course, in addition to higher investment returns, we can also satisfy you in terms of protection functions and services, and the company is launching the '1234 Characteristic Care' claims service. That is, quick claims within one day for simple cases, visits within two days for inpatient medical treatment, compensation within three days for general cases, and advance compensation within four days for special cases. Yao Qiang said.

Pacific Life Hongfubao Insurance Participating 10-year 5-year limit of 10,000 for one year, and it cannot be fully recovered after ten years, depending on the terms of the contract.

The maturity premium paid for 10 years and 5 years is multiple of the basic insurance amount, and the basic insurance amount is not equal to the insurance premium. You can check the policy, it should be a little higher than 5000, a total of more than 22500 yuan, and more than 500 yuan every two years, and the principal can be recovered. In addition, you can also get dividends from the insurance company every year, and if you pay for five years, you should have a dividend bill every year.

Participating insurance is a type of insurance in which the holder of an insurance policy can share in the results of the insurance company's operations every year. After the end of each year, the general insurance company shall distribute the company's operating results to the policyholders in the form of cash dividends or value-added dividends according to a certain proportion. Pacific Red Fortune Insurance is an investment and wealth management tool integrating investment, dividends and protection, which mainly meets the medium and long-term financial needs of customers for children's education, marriage, entrepreneurship and pension.

As a new type of periodical payment dividend product, it breaks the "convention" of the traditional periodical payment product with a long payment period and the same payment period as the insurance period, separates the payment period from the insurance period, and shortens the payment period.

The main feature of participating insurance is that, in addition to the insurance liability stipulated in the traditional policy, the policyholder can also enjoy the operating results of the insurance company, that is, the distribution of the surplus from the investment and management activities of the insurance company. There is no difference between the protection provided by participating insurance to customers and non-participating insurance, such as death protection, survival insurance payment, etc., the protection content, insurance amount, value of the policy, and insurance premium are clearly agreed in the contract when applying for insurance.

Dividends, i.e., the part of the customer's investment income, are "linked" to the operating conditions of the insurance company.

Hello, you can get back the principal when it expires after 10 years. Participating insurance refers to a kind of life insurance in which the insurance company distributes the distributable surplus of the previous fiscal year to customers in the form of cash dividends or value-added dividends in a certain proportion after the end of each fiscal year. The main feature of dividend insurance is that dividends are not fixed, and the level of dividends is directly related to the operating conditions of insurance companies.

1. Buying insurance in the bank will basically be suspected of misleading and defrauding insurance! I myself have suffered from it.

2. You can't listen to the salesman tell you how good the benefits are, I suggest that you should immediately understand the actual contractual meaning of the policy you have purchased in many aspects! Don't know when you bought it?

3. Dividends, you can look at your insurance policy to know, it has a list;

I suggest that you can go directly to the insurance company you have purchased and let them explain to you what your policy means, because there will be a lot of customers in the company, so they dare not talk nonsense and exaggerate!

Whether you can get your principal back after the year depends on how many years the insurance period of your policy is. Also, look at the cash value chart of your policy and know how much money you can get back in 5 years!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. The disadvantages of this insurance are:

1. The cost performance is not high enough: although the protection is quite comprehensive, it is correspondingly expensive, and there are actually many clauses that are not necessary, such as death clauses. This product also comes with a five-time critical illness benefit and death clause, which is not necessary and increases the premium.

2. Long interval: The compensation interval for the three critical illnesses is five years, which is much more than the three years that are popular in the market.

Fude Life Red on Red F Both Insurance pays 6,000 thousand + pays for 5 years + how much money does it receive.

Hello, the income is not high, about 2% to 3% of the income, the overall is not as good as a financial product, but he must be an insurance The income will not be very high.

The disadvantages of this insurance are: 1. The cost performance is not high enough: although the protection is quite comprehensive, it is expensive to correspond, in fact, there are many clauses that are not necessary, such as death clauses.

This product also comes with a five-time critical illness benefit and death clause, which is not necessary and increases the premium. 2. Long interval rubber bend: The compensation interval for the three critical illnesses is five years, which greatly exceeds the three years that are popular in the market.

Hello. This is a bancassurance wealth management insurance product, 3 years of maturity is to receive the maturity insurance money, but as for the overcharged money, it depends on the specific terms. There are two parts to the amount claimed:

One part is the interest determined by the contract, and the other part is the uncertain interest, that is, the dividend, which is determined according to the company's actual investment income every year. So you said how much money you can receive at the end of 3 years, no one can give you accurate data, it is recommended that you can call the company's customer service** to inquire. At the same time, I want to tell you that the final income of short-term dividend insurance will not be higher than the income of bank fixed deposits in the same period.

I also advise the colleagues above not to mislead customers with what is reliable or unreliable. Any insurance company in Chinese mainland is approved by the Insurance Regulatory Commission, and none of them have horns on their heads.

Only one of the listed companies is state-owned, so China Life, Taiping and PICC are all ministerial-level central enterprises, is the ministerial-level central enterprises not as good as state-owned holding shares? Therefore, I advise you not to use these brains on this writing, as an excellent and qualified marketer, you should stand in the customer's position to make a notarized and objective analysis for the customer, and know that the customer chooses the best product, this is the right way!

Call customer service ** to consult, the general bank's term insurance will be one or two points higher than the bank's fixed deposit. However, it is recommended to choose insurance products or go directly to the insurance company to choose as well, there are salesmen to provide special services, many products, and large optionality. The future benefits are also relatively large.

How to choose a reliable insurance company?

1. There are four listed insurance companies in China (China Pacific, Ping An of China, Chinese Life, Xinhua) 2. Only three of the four are comprehensive insurance companies (China Pacific, Ping An of China, and Chinese Life) (Note: Xinhua Insurance Company cannot do car insurance).

3. Only two of the three are listed as a group (China Pacific, China Ping An) 4. Only one of the two is a state-controlled insurance company (China Pacific) China Pacific Insurance Company.

How long is the duration of this insurance you have purchased? Pay for 3 years, but the collection time will be longer than 3 years, you can call the customer service of PICC Life Insurance**4008895518, report the policy contract number, and ask the customer service staff to explain to you the policy termination date, that is, when you can receive the money.