Why is the policy value of Ping An Insurance Smart Profit Universal Insurance decreasing month by

The cash value of the policy is related to two aspects: 1) the sum insured; 2) Age. Think about it from a different perspective and see why:

1) If the two people have the same amount of insurance and are different in age, the cost of your risk protection will be different for the company, and the cost of the younger will be small, otherwise, the cost will be large. 2) If the same age and gender are different, the multiple of the risk sum insured with a small sum insured is smaller, then the cost is smaller, and the cash value of the policy is more; Otherwise, the cost becomes larger and the cash value of the policy is less. Because the sum insured of universal insurance is based on necessity, the only way to increase the sum insured is to sacrifice the cash value of your policy.

The sum insured can be adjusted at the right time to increase the cash value of your policy.

Hello! Since the cash value of the policy is determined according to the premium that enters the account, the premium that entered the account in the previous years is not much, so the interest settled monthly is not enough to deduct the monthly protection cost, and the policy value will decrease accordingly. It is also necessary to see whether the age at the time of insurance is too high, or the design of the sum insured is very high and the proportion of annual premiums paid is very different.

Hello! The universal policy is based on the monthly deduction of the cost of protection, which is the basic cost of operating the policy, so the value of the policy will be reduced, and the age of the insured is also related, the older the cost, so the younger the insurance plan, the earlier the benefit, in the protection at the same time there will be investment income! You can understand that the insurance company bears the risk of serious illness for you and deducts a certain amount of money from the cost of your policy to manage and operate your policy?

Hello, the cost of universal insurance increases with age, many people start to stop paying as soon as they pay for 10 years, but the cost of protection has been deducted, so it will lead to a decrease in cash value. If you are over 60 years old, it is advisable to reduce your coverage. Universal insurance is a comprehensive insurance that buys protection in the short term, buys income in the medium term, and is used for retirement in old age.

For specific inquiries, you can contact me or QQ.

Because the cost is to be deducted, the cost is deducted on a monthly basis, so there will be a gradual process at the beginning, maybe your age or the protection is too high, and the cost of deduction is higher than the benefit.

Have you stopped paying your bills? The cost of protection of Enrich Life Universal Insurance does not require additional payment by the customer, but it will be deducted from your policy account every month, so if you stop paying and the monthly investment income is not enough to cover the cost of protection, then there is a possibility that the policy value will be reduced.

Hello! Your situation only speaks of a decrease in the value of the policy, which can affect this reduction in several ways, the first is that the amount of coverage is too high, and the second is that the insured person will reach a certain age and the cost of protection will also increase. These are relatively professional, because insurance counts the risk in it, you can find a local marketer for further understanding, or you can directly call the ** on the contract book for consultation.

Reference: **) Prudential Life's universal insurance, with Ping An Prudential Life Insurance was awarded the 2011 Insurance Industry Best.

As you get older, the cost of universal insurance increases with age, and when the monthly income is not enough to cover the cost of protection, the policy value decreases month by month.

Hello, Ping An Zhiying is a universal insurance, universal insurance has some initial costs, policy management fees and protection costs, deducted monthly, if the amount of your account is relatively small and the settlement interest generated is not enough to deduct these costs, then the account will be less and less, universal insurance if the insurance age is too old is not suitable for purchase, please be careful!

Hello! Universal insurance is subject to monthly deductions of protection costs! If the rate of account compound interest is lower than the deduction of protection costs, the policy value of the account will be reduced. As for your specific situation, it depends on the contract.

Hello! Zhiying Life Universal Insurance is to deduct the cost of protection on a monthly basis, when the cost of protection is deducted more, there will be the situation you said, the specific may be your age, the amount insured, and the occupation may be higher due to the wish you peace!

Universal insurance plans accrue interest on a monthly basis and also charge a monthly cost of coverage, which can be due to your relatively high age or higher sum insured.

When the cost of protection is greater than the interest of the policy, the value of the policy gradually decreases.

Universal insurance will deduct the corresponding expenses every year according to the increase in age, which is called the cost of protection, that is, the company will deduct the fee for you to bear the risk.

Universal insurance will deduct the cost of insurance for life, I wish the whole family happiness and health, and it is recommended to add protection!

Hello! It is likely that you are older and the sum insured is higher when you apply for the policy, and the value of the policy usually increases year by year. The cost of coverage increases with age, and it's hard to determine the exact cause of this outcome without knowing the details of your policy.

Hello: I don't know how old you are? Universal insurance is a natural rate, and the cost of protection increases with age, and it is generally not recommended to buy universal insurance for people over 40 years old.

Hello! How old are you? Is there a partial pick-up? Has the basic sum assured been adjusted? It's all about cash value!

Hello: Because Magnum has a guaranteed cost deducted from the policy account value every year, it may be that your age and designed insurance amount are too high, resulting in too much deduction of the protection cost, and the phenomenon of inversion, it is recommended to reasonably adjust the personal protection amount, so that the deduction of the protection cost will be less. I hope it can help you, and you are welcome to contact me or QQ.

When the income from the policy is not enough to cover the cost of protection, the account value of the policy will be deducted from the account value of the policy. What is the annual payment and sum insured? There is not enough information to help you make a detailed calculation: the deduction of universal insurance The premium and sum insured of universal insurance.

The key is to be clear about what is the real purpose of your insurance? At that time, the salesman gave you an introduction, if it does not meet, you can go to him or complain to him.

Universal insurance has a minimum interest rate The interest rate is calculated on a daily basis It seems to be a savings product with a lot of costs 6000 to start selling You can deposit and withdraw at any time Same as the bank 6000 in the first year, but some fees paid will be 3000, which means that only 30 million universal insurance may lose money if you really invest.

This person only said to let you pay for 3 years? Integrity is a bit of a problem, although many people are also sold like this, your guess is very right, only pay for 3 years, with the increase of age, the cost of protection is not enough to deduct,

The cost of this insurance is deducted from the policy value once a month! If you can't estimate it, according to the following calculation method, you can calculate how much is how much!

Calculation method: the greater of the policy value * 105% and the basic sum assured, minus the policy value, divide by 1000, multiply by the cost of protection factor, divide by 365, and multiply by the number of days in a month to get the cost of protection deducted each month!

This can be found in the plan made by your insurance person. This insurance product is still good. It's going to be discontinued soon.

It takes at least 10 years for you to have a positive return. Don't be fooled.

The initial expenses are mainly used for the commissions of the business personnel, the company's profits, operating costs, etc.

Or, if you are really psychologically unbalanced, think about the mobile phone you use, you pay for every minute you call**, but you still have to pay a network selection fee, basic monthly rent, etc., so this is all about the same.

Finally, you don't have to be psychologically unbalanced, thinking that the business person took the commission, other types of insurance, do not clearly indicate what your deduction rate is, but in fact it is the same to deduct the money, but you don't know.

After deducting the cost every month, you should be able to buy critical illness and accident insurance every year--- which is theoretically correct. That's because the monthly deduction is exactly what you need to cover you.

But there are actually two problems that you can't solve.

But did you get it at Walmart? Can't buy it. Because people don't sell it.

So if you want to buy at least 1,000, 10,000 (that is, the meaning of wholesale), the same is true for insurance, pure consumer insurance, only in group insurance, and you alone can not organize such a large group to **. So, you can only buy regular insurance.

Problem 2: The rate of insurance increases more and more as you get older. By the time you are 60 years old, you may have to pay more than 10,000 yuan a year for 100,000 yuan, will you still pay it?

But as you have more and more balance in your account, although the rate increases, because your account is valuable, the insurance company takes less and less risk (because it is the greater of the sum insured or the value of your personal account), so the amount of money deducted is less and less until it is none. This passage seems rather winding, and it's normal for you not to understand it. Because as far as I know, more than 90% of insurance salesmen don't understand this either.

Question 3: The interest rate at which money is deposited in the bank, yes, this sentence is true. But the insurance company gives you an excess yield (the general universal rate of return of the insurance company is about about right now).

In addition, if the money is deposited in the bank, the bank will only be responsible for returning the principal if there is a risk. I have made it very clear above, you can understand the initial fee as China Telecom's number selection fee, so can you accept it?

Universal insurance is a lifetime deduction type, and the annual deduction amount is **, so these high cost fees will not be returned to customers, and Zhiying Life is guaranteed (lower than bank interest.)

The initial cost of the first 5 years will not be refunded after deducting the cost of a lifetime, but Ping An's dividends are relatively high, and the principal is generally returned in the 6th year.

The daily interest is calculated and the monthly interest is paid more than %5 per year after the 5th year, and if 6000 a year is deducted, it will be positive after 5 years.

The protection cost of universal insurance is much lower than that of other types of insurance, and I don't believe that you will take out the rate manual for you, which is generally much more expensive than this.

The initial fee is deducted by each company. The cost of this insurance is low, if you want to do the same amount of insurance as this insurance, you will not only pay so much in a year.

Insurance is an investment that takes a long time to have big returns.

To put it simply.

The amount of money in the policy will not be depreciated.

The cost of protection for Enrich Life is only for the duration of your premium payment.

The cost of coverage after the 6th year is 5%.

If you don't charge this fee, how can the company operate?

It is very normal, first of all, the insurance business personnel must also have income. The company then deducts some costs, which are generally stipulated to account for 50%.

It's a small amount, and you don't care about it at all.

First of all, it provides you with adequate protection.

Secondly, if you only look at the long-term returns of insurance investment for two or three years, it is definitely not as strong as depositing in the bank.

In the end, if you look directly at the long term, after 10 years, you will definitely have earned back the expenses that were originally deducted. If you still have questions, please feel free to communicate with me, I have it in my personal information, and you can choose a way to communicate.

The specific closing date is August 31.

There are many reasons why it is out of sale.

First, for example, the bank interest rate is lowered Ping An still gives such a high settlement interest rate is not very suitable Second, 09 years of the "Insurance Law" has made a lot of adjustments, *** The Insurance Regulatory Commission is also more inclined to formulate an insurance system similar to that of foreign countries, that is, the foreign kind of protection is guaranteed, savings is savings, the two can not be combined into one, and the universal has both banks and insurance, not only affecting the insurance industry but also affecting the bank - it is normal to stop, and the country has never considered it from the perspective of the people.

Thirdly, as a universal life insurance company, the payment period is too short, and the frequent access of customers has a great impact on the insurance company's regular investment, and the burden on Ping An is also very heavy.

In the end, the so-called suspension of sales is only temporary, and then there will definitely be a product to replace it, in terms of foreign history, the substitute should be guaranteed and dividends of the universal type, and the savings are completely separated, but obviously the old universal is better, more flexible, and the income is higher.

Discontinued at the end of August. Buy it at speed, good!

Originally, it was to be stopped in August, but the performance in the first four months of this year was much better than that of Chinese Shou, so there was no rush to stop selling. It should be stopped at the end of the year.

In August, sales are restricted, and you have to buy a card to handle it! September completely disappeared from the market!

Previously, it was said that in early August, in order to better transfer profits to the majority of Ping An customers, there is no exact date at present, but it is certain to stop.

Hope it helps.

Hello, please call customer service to inform you of the specific situation.

Go to the counter and type the universal report.

Summary. Hello, the biggest loss is that you have canceled the insurance that the audience is anxious about. This is the biggest loss, and what you get is only a fraction of the cash value of the financial insurance.

Ping An Zhiying Life Universal Insurance has not paid out for 12 years, the additional Zhiying Critical Illness Insurance amount is 50,000 yuan, and the policy has a premium of 52,000 yuan and has not received a premium for Zhiying Critical Illness Insurance.

Hello, the biggest loss is that you have canceled the insurance that the audience is anxious about. This is the biggest loss, and what you get is only a fraction of the cash value of the financial insurance.

There is also the main insurance, and the additional money has been transferred to the main insurance.

It's not a rider, you stop it and you don't have it.

The insurance broker said that after retiring the critical illness, there is a premium of 50,000 yuan after the critical illness, which is right.

This is deceptive, after you withdraw the critical illness insurance, there is no critical illness insurance program.

The insurance broker said that my existing amount had exceeded the premium for critical illness, and said that I would refund Zhiying Critical Illness. The annual critical illness protection cost will not be paid, and the critical illness protection is still there, which is deceptive, critical illness insurance and car insurance are the same, and the money will be in vain if you don't take out insurance this year, but this thing must be paid, in case of insurance, you don't have this thing, then you can't make a claim.

This is different from car insurance, I have paid for 12 years, and the agent said that the protection has been generated, and the additional critical illness will be refunded, and the compensation will be paid.

Well, well, hopefully this broker didn't lie to you.