Taikang Jinmancang B Annuity Insurance Urgent!!

Now surrender the policy only for cash value. It is estimated that only more than 1,000 yuan can be refunded. This is a participating insurance. If you don't return it, it's okay, just save money. Insurance companies won't cheat you out of money, saying that insurance cheats people, that's from the salesman's misleading to the customer.

If you lose a lot of money if you surrender the policy in less than one year, you can probably only get back more than 1,000 yuan, and it is not recommended not to surrender the policy as a last resort.

This kind of dividend insurance is equivalent to a long-term bank fixed deposit, and the rate of return is not bad, that is, it must be put for a long time.

Taikang Jinmancang's investment management institution is Taikang Asset Management Co., Ltd., which is a professional asset management company approved by the China Insurance Regulatory Commission. At present, the company manages assets of nearly 300 billion yuan, and is one of the large institutional investors in the domestic capital market. The company adheres to the investment philosophy of "research-driven investment, research creates value", relies on solid and in-depth research, grasps a variety of excess return opportunities, adopts active management strategies, and is committed to creating stable and high-level value growth for customers.

Or log on to Taikang's official website.

Summary. Hello, if your insurance expires, you don't bring it out, and if a claim occurs, this amount is quite substantial. That is to say, if you keep the insurance in the insurance company, you don't take it out, well, if it is the beneficiary who benefits, the first can not pay taxes, and the second can get your premium, that is, the amount you show is multiplied by 10%, and you can also receive an additional 10% of such an income.

How much money can I receive when Taikang Jinmancang B insurance expires?

Hello, if your insurance expires, you don't bring it out, and if a claim occurs, this amount is quite substantial. That is to say, if you keep the insurance in the insurance company, you don't take it out, well, if it is the beneficiary who benefits, the first can not pay taxes, and the second can get your premium, that is, the amount you show is multiplied by 10%, and you can also receive an additional 10% of such an income.

I am from 2011 to 2021, 4,000 yuan per year for five years and ten years.

If that's the case, you can get at least about 50,000 to 60,000 yuan for this insurance, and you may have nearly 25% of the income.

1. The payment period is 5 years, but the insurance period is 10 years, that is, the contract expires after 10 years, and the money can be withdrawn.

2. The contract is very clear, that is, 10% of the insurance amount will be returned every year, and the insurance amount is 10,000 yuan, which is fixed, that is, 1,000 yuan will be returned every year for ten years as survival insurance.

3. The money paid by yourself is given after 10 years, when the contract expires. The bonus will be a little bit every year, and it will be given when the survival fund is returned.

4. The product is risk-free, and it is indeed higher than the interest rate of bank deposits, but it is not much higher.

It must be withdrawn after 10 years, and if it is withdrawn in less than 10 years, it is equivalent to surrendering the policy, and you may not even get back the principal.

5. You are a bank insurance, and you usually buy personal insurance from the insurer. Log in to New China Life** and enter your insurance contract number to check it.

Reminder: The insurance has a 10-day hesitation period, starting from yesterday's purchase of insurance, if you feel that it is not suitable, you can return it during the hesitation period, and the insurance company only charges 10 yuan for the cost of production.

After the hesitation period, it cannot be refunded, or the surrender loss will be large.

The situation you said shows that the salesperson is misleading, Taikang gold B pays a five-year insurance period of ten years is to return the payment of 4 per year, that is, save 10,000 to 400 every year, save 10,000 or give 400 in the second year, just give 20,000 dividends.

It is difficult for ordinary people to understand annuity insurance, and one detail will make the yield vary widely. Some products only receive 550,000 yuan in the end after paying a 50w annuity, with an annualized income of only 1%; Some products can achieve the annual rate of return of the main insurance alone.

For everyone's reference.

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

1.Pick the one with the highest income first.

No matter what the purpose of buying an annuity is, as a kind of financial insurance, the income of annuity insurance is crucial. Annuity account and universal account are ways to increase the value of annuity insurance. Although the process of revenue growth is more complicated, the standard for judging the return of this product is to calculate the IRR yield.

After about 10 years of appreciation, IRR can reach 4% annuity insurance, which is an excellent level in the market.

2.Cash flow should match the need for capital use.

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

When the child reaches the age of schooling, how much money can he receive?

How much pension can be returned for our old age?

Will there be a loss when I surrender the policy due to urgent need for money? How much cash value can it be?

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

Due to the limited funds of the working class, it is enough to solve one or two problems by focusing on the budget, such as pension, and focus on how much money this product can return after the age of 60.

As a business owner with a large budget, you have certain requirements for flexibility in funds, and you also need to consider the cash value of the annuity and how much money you can return to your family after 100 years.

In fact, there are so many pitfalls in annuity insurance that you can't imagine, even if its product form is very simple. 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"Questions about Kangtai Jinmancang B annuity insurance (urgent)."

Let's talk about dividends and cash values.

Dividends are uncertain.

Maybe the salesman brags about his previous performance in front of you, but that doesn't mean anything. According to the relevant regulations, dividends are related to the operating performance of the insurance company, and a certain proportion of the performance of each fiscal year is distributed, and the operating performance is uncertain, so the dividend is uncertain and cannot be calculated now.

I bought a dividend insurance in 07, and in 07 (the economic development is better) the dividend was more than 400 per 10,000, but in 08 (financial crisis) it was less than 100 per 10,000.

Cash value simply refers to the value of the insurance contract after a certain number of years (usually 2 years) of the insurance you bought, that is, the money you can get when you surrender or expire. It is stated in the general insurance contract.

If you buy this insurance, the monetary income you can get is the cash value (generally less than the bank's interest plus principal in the same period, or what about the bank?). ) and dividends. Because dividends are uncertain, there is no comparison of how much you can get.

But we can't make a direct comparison, because after all, we are buying insurance, we are selling things, and we are buying a guarantee. Also, buying insurance is not a deposit, and you will lose a lot if you surrender the insurance halfway, so please decide carefully according to your financial situation.

I bought in 2010 Jin Mancang B annuity insurance (dividend) for 5 years and 10 years, the dividend in 2011 was only more than 100 points, and the dividend in 2012 was only 266 yuan. Don't believe the bank people who wear work clothes, I run it at ICBC, don't be fooled again.

Dividends vary from year to year depending on how much the insurance company makes a profit.

08 is specifically asked 95522 to provide the policy number.

First of all, it is definitely not cost-effective for you to surrender the policy now. If the life insurance policy is surrendered for less than two years in accordance with the Insurance Act, the premium will be refunded minus a handling fee. However, the law does not clearly stipulate the proportion of this handling fee relative to the premium, and it is basically the insurance company that has the final say.

In reality, this deduction will basically deduct about half of the premium you have paid. Therefore, it is certainly not cost-effective to surrender the policy.

The annual income of your husband and wife is 4-50,000 yuan, and such a policy was barely reasonable when it was originally designed, but it did not leave the necessary space for the family finances later. If this 5000 per year is already overwhelmed and you can't afford it, then I suggest you consider paying off the policy, which is to reduce the sum insured, but the contract is still valid. In this way, you will not have to pay any more fees, and you will not directly bear the loss of surrender, which is a relatively good compromise.

If you can't afford the 5,000 yuan, then it's not impossible to consider paying again. At present, China's economy has entered the channel of interest rate hikes. In fact, a proper loan is helpful to resist inflation, and I myself have a mortgage of 340,000 yuan for 30 years, 55555555

Hello, your product should be handled in the bank, this product income is higher than ordinary deposits, but the security is not very high, you have been saving for a year, now you will lose money when you return it, and it is not much help to take it out, it is better to save for 5 years, it is recommended to supplement the product with high protection, it is best to supplement the insurance with a protection of 200,000.

Hello, with a loan, you need more protection, please check whether the protection is sufficient, to ensure that there is no risk, you have to repay the loan! Reference: Household income distribution chart for the average person Why do people buy insurance?

A few hundred yuan of accident and hospitalization medical insurance a year, Ping An Family outwits life, critical illness medical and pension insurance.

Hello: You have paid for a year, and now there must be a loss in surrendering, consider carefully. There are also 4 years of premiums totaling 20,000 yuan, only one-tenth of your loan, saying that if you have a loan, you must have insurance, insurance is a family economic lever, you can arrange your funds reasonably.

Can you hand it over or continue to hand it in.

Hello, surrendering the policy after the cooling-off period is more than worth the loss. The expenditure of premiums can be 15%-20% of the annual family income for family financial planning, since you have a house bag, you can buy a consumer-oriented high-protection insurance, and participating insurance can best reflect the function of resisting inflation, so there is no need to return.

You are a bancassurance product, surrender you have a loss, this premium according to your current income, can also bear, it is recommended not to refund, if you want to improve your protection plan, it is recommended to find a few more powerful insurance companies to understand and compare before making a decision.

Hello, according to your situation, generally we do not recommend surrender, surrender to have a loss, and with a mortgage to consider the risk, so it is better to continue to pay, the time is not long and it is 5 years.

Hello! This product has a short payment, good income, and high personal accident protection. You can't surrender the policy because you buy a house, which is a loss for you.

Hello, the policy has been bought for one year, and the surrender is the least cost-effective, and there will be a large economic loss. I advise you not to surrender the policy!

It is recommended to make an insurance product with low premium and high protection.

Xueba talks about insurance, focusing on insurance evaluation! I spent a week compiling a comparison table of 35 participating insurances and 101 popular critical illness insurances35 participating insurances competed with 101 mainstream critical illness insuranceMany people buy insurance in a confused and inexplicable state to buy insurance, dividend insurance is one of them, the reason is because you haven't really understood, let's take a closer look:

Dividend insurance is actually a kind of insurance that has both protection and dividends, which 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.

Indeed, for customers, dividend insurance not only has a guarantee function, but also has an investment function, since the launch, quite a lot of attention but I have seen too many friends who bought dividend insurance, but no one really got considerable income after buying dividend insurance, not one.

First, the dividends of the policy are not guaranteed.

Second, the dividend pool is not transparent.

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

That's all for me"How about the insurance "Taikang Gold Full Warehouse B Annuity Insurance (Dividend)"? Pay 5000 per year, pay for a total of 5 years, and take it after 10 years"I hope to adopt all the answers!

Xueba talks about insurance, focusing on insurance evaluation! In 2020, the latest 35 participating insurance products and 101 popular critical illness insurance products were comparedComparison table of 35 participating insurances and 101 popular critical illness insurancesParticipating insurance, as the name suggests, is a participating insurance, which not only provides various guarantees agreed in the contract, but also can enjoy the operating results of the insurance company.

Just listening to the word "dividend", will you feel very good, you have paid the money, not only guaranteed, but also dividends but buy dividend insurance friends, do you really get the "red"? Anyway, I haven't seen anyone actually make a significant profit.

The reason is that there are many cognitive misunderstandings that consumers don't know

Clause.

1. The amount of dividends you can get is closely related to the situation of the insurance company, and the worst case is that there are no dividends in the current year.

Second, the dividend pool is not transparent.

It is precisely because of the existence of these two characteristics that it is difficult to make the income of dividend insurance, and therefore everyone stays away from dividend insurance, for reasons in my articleWhy is participating insurance a "high-incidence area" for insurance? It's all made clear.

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!