Can Tianan Life Preferential B Pension Insurance be taken out for 2 years?

Annuity insurance is too difficult to choose! It's just that the yield of different products varies greatly. Some products buy an annuity of 300,000 yuan and can only get back 330,000 yuan in the end, only 1% of the income; Some products can even reach an annualized return of 8% after a few years.

For everyone's reference.

Below I will share two tips for choosing an annuity for you:

1.High earnings are the most important.

No matter what the purpose of buying annuity insurance is, annuity insurance, as a kind of financial insurance, must talk about income. Annuity insurance is added through annuity accounts and universal accounts. The whole process of earnings growth is more complicated, but in the end, the IRR is calculated to reflect the yield.

At present, the better annuity insurance on the market can generally approach 4% through more than 10 years of value-added.

2.To pay attention to the cash flow of annuities, it is necessary to analyze the time when your funds are used.

Annuity insurance will change our cash flow, so it is necessary to consider the following 4 questions:

How much money do children get when they study?

When it comes to our retirement annuity, how much money can we receive?

What is the cash value of the policy when I have difficulty in cash flow and urgently need to surrender the policy?

How much money can I leave for my loved ones at the end of my life?

Wage earners have limited budgets, so they can focus on one or two issues, such as pension, which mainly focuses on how much money can be received after the age of 60.

Business owners who have a large budget but need more flexible funds need to pay attention to the cash value of the product after surrender and how much money they can leave for their loved ones at the end of 100 years.

Although the form of annuity insurance is not difficult to understand, there are many pitfalls in the product. So I specially evaluated a ranking of the top ten high-yield products of annuity insurance:"Top 10 High-yield Annuity Insurance Points This Year! 》

Hope it helps.

That's all for me"Can Tianan Life Preferential B Pension Insurance be taken out for 2 years?"All, look!

You can borrow from the policy, and taking it out is equivalent to surrendering the policy.

Summary. Hello, this product is recommended to be taken from the sixth year, and from the sixth year after the policy is in effect, you can receive the insurance money every year.

Tian An Life Preferential D Annuity Insurance, Insurance Period 10. The premium is 35,000, how many years should I take it out? How to take it?

Hello, this product is recommended to be taken from the sixth year, and from the sixth year after the policy is in effect, you can receive the insurance money every year.

However, this product is now no longer on sale.

When you pick it up, you will contact the insurance company directly, and then you will submit some information, and it will be directly transferred to your card.

This product is still good, it is a short- and medium-term annuity financial product.

I bought it when I was 18 years old, and I can take it out for the first few years.

You won't be able to get it all out until 2029.

It must reach its expiration date before it can be taken out.

Otherwise, you can only take the corresponding cash value.

I paid 10,000 at once, and how much money can I get in total by 2029.

Are you paying so much in a year?

Is the pro still there, anyway, what you can get at that time is all your principal plus 10% interest, that's all.

Hope it helps.

Xueba talks about insurance, focusing on insurance evaluation! Tianan Life Insurance has been mentioned again recently! I'm going to write an article about Tianan Life!

Don't miss itHow about Tianan Life, what products are there, which one is good, and what are the pitfalls?

Yes, this is a periodical financial insurance, two years of payment, income maximization for 5-15 years, less than 15 years in the form of surrender; There will be a loss if it is withdrawn in less than 5 years (the principal will be lost in less than 3 years); If it has been deposited for 5 years or more, the average annualized yield is in;

Seeing that you still don't particularly understand, I'll give you a detailed introduction to this product!

How about Tianan Life Ann Annuity Insurance.

To be honest, this insurance product is good, let's take a look at it now.

Above! Let's take a look.

To put it simply, the unit price of this product is 1,000 yuan, and you have to buy at least three pieces. In the vast majority of cases, the interest rate is more than 4 points, and in a few cases there is none, and they promise a minimum interest rate. Fifteen years is the coverage period.

Column data, but it's really boring to leave out examples. Here's an example:

40-year-old Lao Wang, for himself to buy Tianan Life An Xiangli annuity insurance, pay 100,000 yuan per year, a total of 300,000 yuan for three years, the insurance period of 15 years, Lao Wang can get the following insurance benefits:

At the end of the 5th year (5 years), the policy value of Lao Wang is:

Calculated according to the minimum guaranteed annual interest rate: total survival benefit = cash value of 288,300 yuan + account value of 64,510 yuan = 352,810 yuan.

Equivalent to the annualized interest rate (simple interest) for each annual premium paid.

It looks like a good deal. If there is no compensation, there will be about a high rate of return after the expiration of the period. Even after death, the corresponding cash value will be used to compensate for the loss. Seems to look good?

It's a pity that since the China Banking and Insurance Regulatory Commission lowered the interest rate in 2019 (from the upper limit to the future, it is difficult for such a high-yield wealth management product to appear again.) There are still products with little gap. Let's take a lookTop 10 Annuity Insurance Points Worth Buying!

I went to ask today, and stamped the official seal, it is okay, it seems that the annual interest is 4,5%.

Summary. Tianan Life Ann Xiang Li B Annuity Insurance (2 years payment) is a term payment financial insurance, two years of payment, the insurance period of 15 years, the maximum income collection period is 5-15 years, less than 15 years in the form of surrender, but also give you the cash value of the policy (don't expect any dividends). It must be received according to the time limit, and there will be a loss if it is withdrawn in less than 5 years (the principal will be lost in less than 3 years).

Personal advice: The so-called "insurance" is used to resist risks, not to manage money, let alone use insurance to make money.

Tianan Life Ann Xiang Li B Annuity Insurance (2 years payment) is a period of financial insurance, two traces of the year to pay the Jizhou orange fee, the insurance period of 15 years, the maximum income of the receiving period of 5-15 years, less than 15 years in the form of surrender, but also to give you the cash value of the policy (don't expect any dividends). It must be received according to the time limit, and there will be a loss if it is withdrawn in less than 5 years (the principal will be lost in less than 3 years). Personal advice:

The so-called "group insurance" is used to resist risks, not to manage money, let alone use insurance to make money.

Tomorrow will be 5 years old, will the money be automatically returned to the card?

It depends on how your contract is signed.

Is it possible to receive the principal interest of the district?

It's okay when it's due.

This is a very typical financial insurance, I think there is no need to be insured when you know how to manage money or your own protection is not complete。After purchasing this insurance for a period of time, you can receive a certain amount of insurance every year, and you can also receive the agreed amount of insurance in a lump sum after the expiration date. Maybe many people are interested in this, so they will choose to buy such financial insurance, most of the financial insurance on the market is such a routine, but I think that for a person who can manage money, there is really no need to buy insurance to manage money.

If you know how to manage money, you can put your money elsewhere, and it may be doubled directly in a few years, but if you buy such a financial insurance, there is no way to surrender the policy in the middle, and once you surrender the policy, you will lose a lot of money, so the flexibility is definitely not as cost-effective as your own financial management. There are also some people who believe that at least there is a death benefit in this insurance, in fact, the so-called death insurance benefit, that is, after the contract takes effect, due to the death of an accident or illness, a part of the compensation will be given, and then the contract will be terminated.

The key point is that the calculation method of this death benefit is that the premium we pay and the cash value of the life insurance policy are the greater, and give it to the insured's family. That would be equivalent to him returning the money we had paid, so what's the point of me asking? Even if it is more than 100 million points, how much more?

As for the so-called survival age, it is given according to 4% of the actual premium paid, if you only pay 10,000 yuan in premiums per year, that 4% is actually very little.

As for the maturity survival insurance benefit, it is even more meaningless, it is nothing more than that you can live until the expiration of the insurance period, and then the maturity survival insurance benefit will be paid according to the insurance amount in the contract. That's why this insurance doesn't have any important substantive protection, and if you have the money, you might as well buy a critical illness insurance for yourself, at least in the event of an accident or illness, you can have more protection.

Tianan Life Ann Benefit Annuity Insurance can be insured, because this insurance is still relatively reliable and will not deceive people.

Yes, and this insurance is relatively safe, and then the amount of insurance is relatively low, and the scope of protection is relatively wide.

Of course, you can be insured, and this insurance is generally more reliable, and the recognition is relatively high.

This insurance has been discontinued, you can consult customer service for other types of financial insurance.

You can ask the customer service staff at the offline business hall of Tianan Life Insurance Company to surrender the policy.

1.Prepare the surrender application and fill in the information such as the reason for surrender.

2.Submit the surrender materials to the insurance company, review whether the conditions for cancellation and cancellation are met, and submit the surrender application at the same time.

3. The staff of the insurance company's outlets will surrender the insurance after the corresponding review. The insurance contract shall be terminated from the date on which the policyholder notifies the insurance company of the surrender of the policy. The old bridge burns.

If the policy is not in force or during the hesitation period, the premium paid will be refunded in full; If the policy has passed the cooling-off period, the insurance company shall refund the cash value of the policy as agreed.