Xinhua Life Double Happiness A Mutual Insurance Participating Why hasn t I given a dividend letter f

Bonus slips are sent every year, and they may be delayed on the way. However, you only need to call the company's service **95567 to answer manually, and you can check your bonus account balance at any time. The 07 dividend is very impressive, but the 08 dividend is estimated to exceed 07 years, and the specific announcement time is after the end of July 09.

There are a couple of points. First, there is a mistake in whether you are filling in the address or not. This advises you to take the insurance wording and look at your address.

Second, if you have changed your address (moved), you need to inform the insurance company or your life insurance advisor.

Third, the mail is delayed or omitted in the middle of the process.

Do you have a change of address?

You can go to the insurance company's counter to print it directly, and the original policy is required.

Call 95567 and the problem will be tracked.

It's like, what the hell is going on with that thing.

Xueba talks about insurance, focusing on insurance evaluation! Comparison of 35 participating insurance products with other popular 101 critical illness insurance productsComparison table of 35 participating insurances and 101 popular critical illness insurances, to friends who know this article.

Many people buy insurance in a confused and inexplicable state to buy insurance, dividend insurance is one of them, the reason is because I haven't really understood what dividend insurance is:

Participating insurance is simply a kind of life insurance that can pay dividends, if you buy a participating insurance in addition to getting a certain amount of protection, there will be a dividend every year that has both protection functions and dividends, killing two birds with one stone.

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? However, many people regret it after two years after buying it, because there is a large difference in income before and after buying.

A large part of the reason is that consumers ignore the two characteristics of participating insurance:

First, the dividends of the policy are not certain and may not be obtained.

Second, the dividend pool is not transparent.

It is precisely because of these two characteristics of dividend insurance that it is difficult to earn from dividend insurance, and therefore the complaint rate of dividend insurance is very highParticipating insurance has such a high complaint rate?!

It's all made clear.

The income and dividend methods of participating insurance are extremely complex, and even insurance practitioners are difficult to do, so as a novice, don't challenge such a high degree of difficulty!

That's all for me"Xinhua Life Double Happiness A Dual Happiness Insurance (Dividend) Why hasn't given a dividend letter for two years?"All, look!

New China Life Insurance Double Happiness can be full insurance (a) (dividend) ten years full of 8,000 should be how much.

Hello dear, it is a pleasure to serve you <>

New China Life Insurance Double Happiness can be fully insured (a) (dividend) for ten years, and the income obtained is the difference of 8,000 yuan, the guaranteed income of 1,200 yuan, and the annual dividend accumulation + maturity survival dividend. The dividends are uncertain. The details of dividends are based on the investment performance of the insurance company in each year.

Dividends are designed to allow consumers to avoid certain risks during periods of inflation and interest rate hikes. Moreover, this product is designed with a double dividend method, which can alleviate the uncertainty and volatility of dividends to a certain extent. There are three forms of terminal bonuses that allow you to get more of the benefits.

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!

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.

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.

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!

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 hereComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in ChinaDividend insurance is actually a kind of insurance with 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, and an insurance takes into account the protection and financial management functions.

In fact, many consumers are attracted by the dividend function of dividend insurance, but I have seen too many friends who have bought dividend insurance, but none of them have really obtained considerable benefits after buying dividend insurance, and none of them have not.

That's because customers don't know these two characteristics of Fu Dividend Insurance:

Clause.

1. The distribution method of participating insurance is uncertain.

Second, the dividend pool is not transparent.

There are detailed explanations inside.

At the end of the day, participating insurance is not suitable for everyone, so it is recommended that you do not blindly insure!

No one can tell you for sure how much money you will get then, all you can tell you is a fool, all is an exaggerated benefit, because otherwise, you will not buy it. Dividends are determined based on the operating conditions of the insurance company, are uncertain, and may be zero, which is the truth they don't tell you.

I myself bought a participating insurance policy in '07, '07. I bought a guarantee. Also, buying insurance is not a deposit, halfway. Even if it matures, it is 115,100 yuan with interest, and you have to save 10 years of interest to get 15,100 yuan.

Look at how it is written in the contract, it is generally the principal plus the final bonus. Dividends are uncertain and may be higher or lower than bank interest, depending on the company's earnings. In other words, how long is your expiration period, is it 10 years of payment or is the contract terminated after 10 years?

Hello, you look at the cash value of the policy for ten years, and then add ten years of dividends, as well as the first nine years of dividend interest, if there is a survival fund for this type of insurance, plus a survival fund. Look at the policy, I'm sure you can understand it. People who pay 40,000 yuan a year should be able to understand.

Section C both-insurance (dividend-paying), pay 30,000 yuan per yearA total of 150,000 yuan for 5 years, and ten years later, the interest is only more than 40,000 yuan, which is lower than the bank's current savings interest.

The new C is generally paid for 5 years and 10 years, that is, you pay for 5 years and guarantee you for 10 years. 4w per year, a total of 20w for 5 years, then what you can get back after the expiration of 10 years is: the basic sum insured is more than 20w, why is it more than 20w, the extra is the number in the cash value table corresponding to your age at the time of purchase and then multiplied by 20 is your basic sum insured, and your basic sum insured is more than 20w.

Counting the accumulated dividends, the profits of the company's operation will be distributed to you in proportion to each year, which is uncertain. Then there is the terminal bonus, which is a one-time bonus given to you at the end of 10 years.

Under normal circumstances, it is uncertain how much this can finally get, but it will definitely be higher than the interest rate of depositing a fixed term in the bank, and there was a total of 10w paid for 5 years, and finally took more than 16w. FYI.

It's lower than the interest rate in the bank, and it's much lower, it's too pitiful, which is what I personally experienced.

Well, that's right, dividends are uncertain. For the cash value is used to calculate the premium you can refund when you surrender the policy, the simple algorithm is that if the contract is full of one year, the corresponding cash value at the end of the year is 10,000 yuan, if you want to surrender the principal at this time, you can only refund 10,000 * the cash value at the end of one year, plus the dividend of the current year, because Xinhua is the sum insured dividend, but also according to the cash value. Assuming that you pay this fee at the end of your contract, the benefits of this insurance include a fixed interest rate and a variable bonus component, and the claim will be made in accordance with the terms of the contract if the risk arises along the way.

After 5 years and 10 years, how much principal and dividends can be obtained, there are many uncertain factors, simply put, if you withdraw this money at maturity, the interest will definitely be higher than the bank deposit interest in the same period, but if you terminate the contract halfway, you will have a loss, insurance and deposit are not the same, if you want to save, you don't want to save without interest, you can withdraw to that kind. Generally speaking, if the policy is surrendered at the end of the third year, the dividends may be able to make up for the loss of cash value. Think about it yourself first to see if there are any good communication matters in the middle, and if you need it, you can consult.

Did you buy it from the bank, this kind of insurance can only get back the principal at maturity, and the total income will be slightly higher than the principal. However, it is not possible to obtain the money in the middle of the emergency, and the policy loan can only be taken out partially. So you have to think about whether you will need this money in 10 years. It is not suitable to buy it.

The dividend income is determined according to the investment situation of the future year, and the future investment situation is unpredictable, so the dividends of all participating insurance are uncertain, and the insurance company does not guarantee that there will be dividends.

The role of insurance is to provide protection rather than benefits. The yield of insurance is low.

The boss of Xinhua does not buy Xinhua's insurance.

I bought 20,000, how much is the annual dividend?

The cash value statement is only used when the policy is surrendered. Dividends are uncertain. The specific call to 95567 customer service is clear.

The principal cannot be withdrawn. to suffer losses.

It should be noted that universal insurance and participating insurance generally have a guaranteed income, and the income above the guaranteed income is uncertain. In addition, if the policy is surrendered within the policy period after the cooling-off period, there is a high risk of premium loss. When buying insurance, you must read the provisions of the insurance contract clearly, and do not easily listen to verbal promises.

Some people say that insurance is fooling people, usually because people don't explain deeply or don't know enough about themselves, and they feel a gap in their hearts after buying, and there is a possible reason for the problem of the product itselfTop 10 [Not Worth Buying] Critical Illness Insurance! 》

How did these psychological gaps that make people feel like they have been fooled? Usually because of two situations: unable to make a claim and the income does not meet expectations, let's talk about it specifically:

The first point is the reason why some policies cannot be claimed:

(1) Failure to truthfully inform the applicant

A large part of the inability to claim compensation is due to the lack of truthful health notice, if the insurance is out of danger, the insurance company will do everything possible to find out the past medical records of the insured, truthful health notice is not a joke, here is a guide:What are the tips for health notification when applying for insurance? 》

(2) The conditions for claim settlement are not met

There are regulations on what conditions need to be met for claims, for example, life insurance must meet the condition of death before making a claim, and some life insurance companies have different death times and different amounts of compensation. If the information is incomplete, it may also lead to the inability to make a claim, and the information required for different types of insurance is also different

(3) Failure to see the contract disclaimer

The exclusion is the part of the exemption, and the policy does not have the liability to settle claims, for example, most insurance stipulates that the insured is exempt from liability for driving a motor vehicle under the influence of alcohol.

If the claim can't be approved, this strategy will help:"How to settle a claim after a claim case occurs".

The second point is that the benefits are not up to expectations

When some people recommend participating insurance to customers, they will say that there is a great return, but the actual income is not necessarily, and the dividend interest rate is floating.

How can you avoid feeling like you've been fooled? Here are a few tips:

1.Read what is covered:First of all, find out the coverage content of the policy, and don't think that everything will be paid.

2.Check out the claim conditions:For example, some diseases in critical illness insurance are paid only after some kind of medical treatment, and these similar provisions are the easiest to ignore, so you should pay more attention.

3.Pay more attention to dividend insurance:Even if a dividend has a good income before, it doesn't make much sense, it still depends on the current situation and future development.

The existence of insurance is naturally because there is a demand, and if you buy insurance correctly, you will not feel fooled.