About Ping An Wisdom Star Whole Life Insurance Universal Insurance Seek advice...

If you don't need it, don't wait for the hesitation period to return, so you not only lose 1,000 yuan, should be accurate to lose 2,500 yuan, just this single commission of 1,250 yuan, and the cost of protection, please meet me, if you have passed the hesitation period to return the guarantee is only 2,500 yuan. Works for you. Regardless of whether he takes the receipt or not, he can go to the company to handle the surrender of the insurance, and after 10 days, the universal insurance will lose a lot.

What I told you is absolutely true, if you don't believe it, you will wait until the hesitation period is over, you will see if you will lose 2500 yuan, and he will make up 2500 for you, I will laugh!

If you are sure that you want to surrender the policy, and you want to surrender the policy during the cooling-off period, then please do so immediately.

Although, I personally think this insurance is good, and the salesman's display marketing pressure is also very high.

However, if the customer determines that the customer requests to surrender the policy due to payment pressure or other necessary reasons, please grasp the 10-day period of the cooling-off period.

The salesman's behavior of making up money is an act without legal protection, and it is also a violation to hinder the customer's hesitation period from surrendering the policy.

If it is not because of the above necessary reasons, but only because of the communication barrier with the salesman, and you are not clear about the policy responsibilities and benefits, then please communicate with him in detail, and if you are concerned, you can directly call Ping An customer service 95511 to inquire.

However, the right to surrender during the hesitation period still needs to be maintained for the customer.

It is advisable to exercise caution and discretion. Best wishes.

First, if he promises to compensate you, you can accommodate him or not.

Second, your behavior is equivalent to an agreement or agreement signed with the salesman, which is not protected by law.

Third, at the same time, it is not right for the salesman to induce customers like this.

Fourth, you can complain about this salesman.

Fifth, and you don't need to go through the relevant salesman to directly find customer service or the relevant company's business hall to handle it.

Sixth, the law is generally now protecting consumers, so you don't have to worry about your premiums.

Seventh, it is recommended to buy insurance according to your means, live within your means, do not buy insurance for the sake of buying insurance, and do not follow the crowd, which will cause you a great loss.

Eighth, I wish you a smooth work, a prosperous career, a healthy life, and a happy family.

Ping An Wisdom Star Whole Life Insurance (Universal) is not bad. This universal insurance policy looks really all-round. Guaranteed for life, guaranteed annualized return; After the insured reaches the age of 60, the annuity will be paid according to the agreed proportion multiplied by the premium, but the annual payment shall not exceed 20%.

At the same time, it can also be attached with whole life critical illness insurance, the sum insured is optional, and it can be paid in advance, and 45 diseases can only be paid once; Secondly, there is a 1-year term life insurance with an optional sum insured; In addition, there are two types of coverage: accident insurance and accident medical insurance. After reading the basic guarantee, this product has many aspects of protection, which is really worry-free and trouble-free.

Further information: 1. Whole life insurance refers to unscheduled death insurance. After the conclusion of the insurance contract, the insurer shall pay the insurance benefit whenever the insured dies.

As long as the insured pays the premium on time, the insurer has no right to refuse to renew the policy. According to the different ways of paying premiums, there are three types of life insurance: whole life insurance with full payment of premiums, whole life insurance with regular payment and whole life insurance with one-time payment. Whole life insurance can be partially surrendered during the insured's survival to receive part of the cash value, which can solve the pension problem.

2. Scope of application of whole life insurance:

1. Traditional whole life insurance is one of the important types of life insurance. It is characterized by lifelong protection, the premium is fixed, the policy has a cash value, which is accumulated by the annual dividends paid by the insurance company, the insurance premium is relatively high, in addition to the basic insurance cost, part of the insurance is charged for investment, and the policyholder does not participate in the investment operation; Due to the accumulation of cash value, you do not need to pay premiums for a certain number of years, and the amount of coverage also increases with the increase of cash value.

2. Some insurance companies will specify the payment period of the insurance in the contract, such as 10 years or 20 years to guarantee the payment; Some companies don't guarantee 20 years of payment in the contract; Others do not have traditional whole life insurance. This kind of insurance is suitable for people who have a relatively stable income, high assets, and want to have stable returns but do not want to participate in investment by themselves. It is also a good choice for investors who want to earn tax shelter income and complete inheritance of property.

3. For the insured with heavier family responsibilities, if you are old and young, life insurance is more suitable for you; Insured persons who plan to leave the proceeds to their family members or other persons; Insured persons who plan to use their pension for retirement living expenses or other purposes; Insured persons who plan to leave the insurance money to their families so as not to pay too much inheritance tax.

Ping An Insurance. The detailed introduction of the Wisdom Star Universal is as follows:

Ping An Wisdom Star Whole Life Insurance Universal is an insurance product underwritten by Ping An Life, the underwriting age of this product is 0-17 years old, the payment period is flexible, when the payment is less than 10 years or less than 50,000, the payment can be deferred for 2 years, and the premium can be increased during the payment period, and the sum insured can be added.

It can also be adjusted, and the guaranteed interest rate of the product is.

Ping An Wisdom Star Whole Life Insurance Universal Product is not a simple protection insurance, which can receive regular returns, including critical illness protection, death protection, worry-free accident protection, etc., but at the same time, it can withdraw the investment return of the policy, which has the functions of protection and financial management.

This product is mainly launched for teenagers and is a comprehensive insurance product, but this kind of insurance is generally not strong, so if you focus on buying protection products, this product is not recommended to buy.

First, product features.

1. Educational reserves, flexible collection;

2. Multiple guarantees, the amount of insurance can be adjusted;

3. Premium waiver, worry-free payment.

2. Additional insurance.

Ping An Additional Wisdom Star pays critical illness insurance in advance.

Ping An Plus Worry-Free Waiver Term Life Insurance.

a), Ping An Additional Worry-Free Waiver Critical Illness Insurance (b), Ping An Additional Worry-Free Waiver Critical Illness Insurance (c).

Summary. Ping An Wisdom Star Whole Life Insurance (Universal) is not eligible for the principal because the insurance period of this insurance is lifelong, and there is no maturity insurance benefit.

Wisdom Star is a universal insurance. Universal insurance is an insurance product that can be consumed for life. 50% of the handling fee will be deducted for the first year, 25% for the second year, and 15% for the third year.

In addition, the protection cost of the main insurance and additional insurance will be deducted every year, and the more money will be deducted as you get older. Therefore, its payment period is not fixed. Unlike other insurance products, the figure of 10 or 20 years of payment is stated.

The number of years written in the contract is "lifelong" or "unlimited". Because the cost is deducted from the account every day, if the principal deducted is gone, you will be asked to pay again, and then deduct it again. So pay money for a lifetime.

There is no income, and the monthly interest is deducted from the cost. It may be that ** people will communicate and publicize with customers like this, but it is somewhat misleading, at least not rigorous. The premium is the premium, and as for the money that the customer gets in the later stage, if it is a claim, it is the sum insured.

If it is a survival claim, it is the policy value. The specific policy value cannot be simply understood as the annual accumulation of premiums, which is not bank savings, and there is a fundamental difference between the two, although many people have emphasized that this has the function of compulsory savings.

Can Ping An Wisdom Star Whole Life Insurance (Universal) withdraw the principal?

Hello dear! No.

Ping An Wisdom Star Whole Life Insurance (Universal) is not eligible for the principal, because the insurance period of this insurance is terminal, and there is no maturity insurance benefit. Wisdom Star is a universal insurance. Universal insurance is an insurance product that can be consumed for life.

50% of the handling fee will be deducted for the first year, 25% for the first two years, and 15% for the third year. In addition, the protection cost of the main insurance and additional insurance will be deducted every year, and the more money will be deducted as you get older. Therefore, its payment period is not fixed.

Unlike other insurance products, the figure of 10 or 20 years of payment is stated. The number of years written in the contract is "lifelong" or "unlimited". Because the cost is deducted from the account every day, if the principal deducted is gone, you will be asked to pay again, and then deduct it again.

So pay money for a lifetime. There is no income, and the monthly interest is deducted from the cost. It may be that ** people will communicate and publicize with customers like this, but it is somewhat misleading, at least Lu's is not rigorous.

The premium is the premium, and as for the money that the customer gets in the later stage, if it is a claim, it is the sum insured. If it is a survival claim, it is the policy value. The specific policy value cannot be simply understood as the annual accumulation of premiums, which is not bank savings, and there is a fundamental difference between the two, although many people have emphasized that this has the function of compulsory savings.

Summary. Hello, how much does Ping An Wisdom Star Insurance lose when surrendering, and what is the value of the Wankan Wisdom Star Universal Account, and how much can be refunded is related to the insurance payment age, payment period, and payment amount. A 30-year-old parent insured a wisdom star for a 0-year-old child, paying 7,000 yuan a year for 15 years at a medium interest rate.

The specific circumstances of surrender are as follows: 1. At the age of 20, the account value of the policy, that is, the cash value, is 71,169 yuan, which exceeds the premium paid, which is equivalent to having the principal recovered. 2. At the age of 30 or above, the account value of the policy can be refunded to 112352 yuan if the policy is surrendered.

3. At the age of 40, the account value of the policy can be refunded to 169345 yuan.

How much money will you lose if Ping An Wisdom Star Whole Life Insurance (Universal) is returned.

Hello, how much does Ping An Wisdom Star Insurance lose when surrendering, and what is the value of the Wankan Wisdom Star Universal Account, and how much can be refunded is related to the insurance payment age, payment period, and payment amount. A 30-year-old parent insured a wisdom star for a 0-year-old child, paying 7,000 yuan a year for 15 years at a medium interest rate. The details of the surrender are as follows:

1. When the company is 20 years old, the account value of the policy, that is, the cash value, is 71,169 yuan, which exceeds the premium paid, which is quite ruined because it has already been recovered. 2. At the age of 30 or above, the account value of the policy can be refunded to 112352 yuan if the policy is surrendered. 3. When Yu reaches the age of 40, the account value of the policy can be refunded to 169345 yuan.

Before buying insurance, you must read the content of the contract clearly to avoid regrets and lose money when you surrender the insurance.

Summary. Hello dear <>

I will be happy to answer for you the impact of Ping An Wisdom Star Whole Life Insurance (Universal Insurance) paying the first 30,000 yuan withdrawn in 9 years; Dear Ping An Wisdom Star Universal Insurance Policy stipulates that it can be withdrawn at any time during the validity period, but the account value after receiving it cannot be less than 1,000 yuan or enough to deduct the protection fee. Whole life insurance is a type of personal death insurance for an indefinite period of time. After the conclusion of the insurance contract, the insurer shall pay the insurance money regardless of the death of the insured.

As long as the insured pays the premium on time, the insurer has no right to refuse to renew the policy.

Ping An Wisdom Star Whole Life Insurance (Universal) has been paid for nine years, what is the impact of taking 30,000 yuan out first1, dear dear, <>

I will be happy to answer for you the impact of Ping An Wisdom Star Attack Mountain Whole Life Insurance (Universal Insurance) to pay the first 30,000 yuan withdrawn in 9 years; Dear Ping An Wisdom Star Universal Insurance Policy stipulates that it can be withdrawn at any time during the validity period, but the account value after receiving it cannot be less than 1,000 yuan or only collapsed enough to deduct the protection fee. Whole life insurance is a type of personal death insurance for an indefinite period of time. After the conclusion of the insurance contract, the insurer shall pay the insurance money, regardless of whether the insured dies or laughs.

As long as the insured pays the premium on time, the insurer has no right to refuse to renew the policy.

Intimate whole life insurance is a type of life and death insurance with an indefinite term. After the conclusion of the insurance contract, no matter when the insured dies, the insurer shall pay the insurance imitation money to cover the hole. As long as the insured pays the premium on time, the insurer has no right to refuse to renew the policy.

Whole life insurance is a type of insurance that provides lifetime coverage, i.e. the insurance company pays out in the event of death or total disability at any age. In general, the end age of life is 100 years. Some insurance companies will specify the payment period of the insurance in the contract, such as 10 years or 20 years, to guarantee the payment; Some companies do not guarantee 20-year payments in the contract; Some companies don't have traditional life insurance.