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Depending on how many years you have bought, it is generally impossible to lose money even if it is in a bad type of insurance, and the interest is higher than that of the bank, unless you surrender the policy in the middle of the way, you must choose a good insurance company or product before buying, I strongly recommend that you buy Xinhua insurance, because Xinhua has always put the interests of customers in the forefront. Xinhua --- an international large-scale listed insurance company, **Huijin" Holdings. 1 is the first family to pay dividends in the form of sum insured dividends - large returns, 2 low payment - easier to pay, higher and more comprehensive protection - and every year the protection and benefits will not only increase - the payment will remain unchanged 3 - premium waiver, as long as you buy Xinhua products, as long as you meet the requirements of the policyholder in the event of accidental death, total disability - you can not renew the insurance premium (premium waiver) contract that has not expired, and the benefits will remain unchanged.
Take as much as you should. 4. The claim settlement speed is fast, the small claim below 1000 is completed in 1 hour, the average claim is not more than 3 days, and the complex and major claim is not more than 30 days. 5 Professional - we only do life insurance.
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Hello! 1. What do you value when you buy insurance? Whether it is protection or pension, Huacai Life is a universal insurance, focusing on protection.
2. Don't know your current age? Different types of insurance are suitable for different ages and have different product features. After you understand the features of the policy, you can adjust the sum insured appropriately to maximize the protection and income of the policy. Third, universal insurance is generally paid for life, because the cost of protection is deducted from the account, that is, after insurance, we should also pay attention to the changes in the funds in the account, if the account funds are not enough to deduct the cost of protection, the role of protection is lost.
It is difficult to determine how much you can get back, and it is related to your payment period, as well as business operations, market interest rates, social reasons, etc., so the dividends of the participating insurance itself are uncertain, and the income of your insurance (payment time and age information is unknown) is more difficult to analyze and determine. If you need further communication, please call or QQ consultation (due to the recent work, it will not be online during the day, and at night**or directly** add QQ to mark insurance consultation). If you're satisfied, +1 Oh.
Good health and success in your work!
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Hello insurance will not lose money, unless the customer wants to surrender the loss point, like you after the age of 60 no one can be sure how much money you will receive this insurance, you can only count those who receive it fixedly.
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Hello, I am very happy to serve you, it is impossible to lose money even if it is in a bad type of insurance, and the interest is higher than that of the bank, unless you surrender the policy in the middle of the way, you must choose a good insurance company or product before you buy, volatile years, unchanged commitment.
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The exact amount of money that can be received is variable and variable.
The profitability of the insurance company is determined according to the annual investment income, that is, the 3 difference of the insurance company**, which is dispensable and has obvious uncertainties.
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Hello! Well, your specific information is not comprehensive, Huacai Life is a universal insurance, universal insurance is an investment-type insurance product, if you are older when you apply for insurance, and the amount of insurance is relatively high, and you also attach a critical illness, etc., then the deduction will be relatively high, it is recommended that if you want to increase dividends and income, you can adjust the amount of insurance and critical illness protection, and then re-purchase accident insurance and critical illness products, if you only want to be protected, then you can consider not reducing the amount of insurance, the current monthly dividend is not bad, If you do not receive the company's annual dividend report, you can go to the nearest Pacific outlet to print the annual dividend report to understand the current earnings and dividends, and then make adjustments, good luck!
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1 Can you tell us your age at the time of application? What is the number of years to pay the fee? Otherwise, it's hard to judge.
2 Insurance companies' returns are uncertain, and even without losing money, no one can guarantee how much they will have by the age of 60. 3 The basic meaning of insurance is protection, and financial management is just the icing on the cake. Let's not put the cart before the horse.
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Hello, did you buy a Cadenza or a Cadenza B, and at what age did you buy it. How many years to pay, and whether there is additional critical illness insurance on it. These are the keys to your benefit.
You call 95500 and press 2 to quote your policy number to check your existing account balance. As for the age of 60, I don't know yet, it depends on the company's investment benefits.
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For customers who have already purchased insurance products, they should have the most basic understanding of their own benefits (insurance plan)!
According to the provisions of China's insurance law, the salesman should explain the surrender and income in detail when the customer handles it at that time, otherwise it is a phenomenon of misleading customers in violation of regulations and will be terminated by the company!
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Hello Buying insurance solves the problem of protection, as for how much money you can receive in the future, depending on the company's operating conditions, the specific customer service on the policy ** consultation reference: whether to choose the product first or the company first The most important thing is to choose the company when buying insurance.
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Hello, the benefits of insurance are related to the gender and age of the policyholder.
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Hello! How old are you when you apply for insurance? How many years will it take? These have something to do with taking money!
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Hello! You can't do it with incomplete information, such as your current age? When does it take to pay the bill? Are there any add-ons? Thank you.
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Hello! Your information is unknown, it is recommended to find a local ** person or 95500 consultation!
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Xueba talks about insurance, focusing on insurance product evaluation! Too many people ask about critical illness insurance, and interested friends can check out this comparison table:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".
Pacific Insurance Jinyou Life can receive dividends, what is the specific situation of this product, let's talk about it below.
This Jinyou life is said to be a collection of protection and money, whether the insurance is good or not depends on the protection first:
The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", which is complained about every time, but what is the actual situation? If you are interested, you can look at the article:"It's said on the Internet that Jin You's life is not good?
Is it true? 》
From the analysis, we can know that there is indeed a reason for being complained about, and it still has many shortcomings, such as the following shortcomings:
1. The proportion of compensation for mild illness is low
Although the product covers 50 types of minor illnesses and pays 3 times, the proportion of minor illnesses is only 20% of the basic sum assured. However, the average level in the market is 30%.
2. Lack of protection for moderate illness
Lack of moderate illness protection, many critical illness insurance can now provide moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness, and moderate illness protection plays a great role in alleviating the pressure in the early stage.
3. The dividend protection is slightly poor
Let's talk about the dividends of Jinyou's life: annual dividends and final dividends.
Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. Dividends are not paid directly to the insured, but are accumulated in the policy, resulting in a greater increase in the sum assured for critical illness.
Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, these 3 bonuses can only pay one out of three.
4. Premiums are expensive
From **, you can know that if you buy 500,000 insurance for a 30-year-old man, protect it for life, and pay it in 20 years, you need to pay a premium of 19,650 yuan per year, almost 20,000! It can be said that it is very expensive.
Summary: In general, Jinyou life is not only not comprehensive enough, but also relatively expensive, not cost-effective, there are many better options for the same conditions, you can collect it for reference slowly:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".
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Xueba talks about insurance, focusing on insurance product evaluation! The limited-time benefits are coming: a comparison table of 136 popular critical illness insurances in the country, free of charge
"It's true that the Internet says that Jin You's life is not good? 》, I suggest you take a look.
Let me list the advantages and disadvantages of Kim You's life:
Advantages: 1) Dividends will increase the sum insured to a certain extent, which can play a role in curbing inflation a little bit;
1) The insurance company Pacific is famous, and its service outlets can be found in many cities and towns, with many employees and convenient services.
Let's look at the disadvantages first: Honestly, there are quite a few disadvantages.
To sum up, dividend-paying critical illness insurance has never been favored by me, even if the Jinyou life brand is loud, the cost performance is still worrying, it is recommended to buy insurance or to separate protection and financial management, in order to make the best use of each.
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Yes, it is up to you whether you receive it monthly or annually or at one time, this is the pension energy that Jinyou Life has.
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Self-transformation pension, gold bless life, you deserve it.
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Xinhua Insurance's Jin Cai received money while paying money all his life.
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You can receive dividends! Immovable pension! You'll get more out of it that way.
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Yes, the sum insured in the main insurance will be reduced in equal amounts.
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Yes, but the cash value is received, and the sum insured of the main insurance is reduced equally.
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Yes, in addition, I think you can consult customer service directly, so that the information obtained is more accurate.
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Yes, this product has the function of converting pensions independently.
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How much can I get in a year? How many years can I get it?
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You can take it all, but we don't recommend taking it all, because the money in insurance makes money very quickly.
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。With its strong financial strength, Taiping Insurance has been selected as one of the Fortune Global 500 for eight consecutive years, and it is a senior insurance company founded in 91. How to evaluate Pacific Insurance Company, mainly look at three questions:
1.How cost-effective are CPIC's products?
The popular products of Taiping Insurance include Jinnuo Life, Jinyou Life, Anxingbao Auspicious Life, Love Guardian, etc., I stayed up late last night to sort out the products of Pacific Insurance and sort out one"Seven Products Worth Buying for Pacific Insurance".。Hope it helps.
2.In terms of service level, what is the evaluation of Pacific Insurance?
The China Banking and Insurance Regulatory Commission (CBIRC) rates insurance companies based on their claims service, complaint rate, business processing speed and other indicators, with the highest grade being AAA and the lowest being D, in order to give consumers a standard.
The service ratings of Pacific Insurance are as follows:
The form shows that the Pacific Ocean is AA graded, which is a high level. Next year will be different.
3.Is Pacific Insurance reliable?
Friends who are worried that the insurance company will be unreliable should be afraid that it will be difficult to settle claims after buying insurance. This is easy to do, and the higher the ranking, the more reliable it is. Here's an up-to-date list:
Which of the top 10 insurance companies is good. You'll be able to see which companies are better than Pacific Insurance.
That's all for me"Pacific Life Insurance pays 3,000 yuan a year for 15 years, and how much money can I receive every month after the age of 60"
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Depending on what kind of insurance you have, tell me about the insurance responsibilities in the insurance.
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A financial product launched with a good start, Zunhong Life.
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Pacific Insurance Company's newly launched Happiness Accompaniment,
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Hello! It depends on the age and salary.
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Hello! I am Manager Liu Jian of Pacific Insurance Company.
First of all, thank you very much for your trust in Pacific Insurance Company.
Happiness is accompanied by financial insurance, pay for three years, 20,000 yuan per year, and start receiving 2,000 per month at the age of 60, provided that you have to figure out your age, the way of payment, and add in full at one time, and the effect of compound interest is better. So 2000 yuan is okay.
The wealth winner account accompanied by happiness operates independently of China Railway Development** (high-speed rail), so the investment project is good, which determines the high return and the high return of the customer.
Trust Pacific Insurance, yes!
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Chinese Shou "Xinfu Niannian".
For example: 0-year-old baby, invest 20,000 yuan, invest for 5 years, and invest a total of 100,000 20-year-old policy benefits of 10,000 yuan.
At the age of 30, the policy benefit is $10,000.
At the age of 40, the policy benefit is $10,000.
At the age of 60, the policy benefit is $10,000.
At the age of 80, the policy benefit is $10,000.
Pacific: Happiness goes hand in hand.
For example: 0-year-old baby, annual investment of 20,000 yuan, investment for 5 years, a total of 100,000 20-year-old policy benefits of 10,000 yuan.
30-year-old policy benefit of 10,000 yuan.
At the age of 40, the policy benefit is 10,000 yuan.
The 60-year-old policy benefit is $1.74 million.
At the age of 80, the policy benefit is 10,000 yuan.
Peace: Respect for life.
For example: 0-year-old baby, annual investment of 20,000, investment of 5 years, a total of 100,000.
Age 20 Policy Benefit Dollars.
30-year-old policy benefit of 10,000 yuan.
At the age of 40, the policy benefit is $510,000.
At the age of 60, the policy benefit is 10,000 yuan.
At the age of 80, the policy benefit is 10,000 yuan.
Xinhua: "Enjoy a Life".
For example: 0-year-old baby, annual investment of 20,000, investment of 5 years, a total of 100,000.
20-year-old policy benefit of 10,000 yuan.
30-year-old policy benefit of 10,000 yuan.
At the age of 40, the policy benefit is 10,000 yuan.
At the age of 60, the policy benefit is 10,000 yuan.
At the age of 80, the policy benefit is 10,000 yuan.
Fude Life: "Creating a Wealth Life".
For example: 0-year-old baby, annual investment of 20,000, investment of 5 years, a total of 100,000.
The 20-year-old account is worth 10,000 yuan.
The 30-year-old account is worth 10,000 yuan.
The 40-year-old account is worth 10,000 yuan.
The 60-year-old account is worth 10,000 yuan.
The 80-year-old account is worth 77110,000 yuan
Taikang Life: "Xinxiang Life".
For example: 0-year-old baby, annual investment of 20,000, investment of 5 years, a total of 100,000.
The 20-year-old account is worth 10,000 yuan.
The 30-year-old account is worth 10,000 yuan.
The 40-year-old account is worth 10,000 yuan.
The 60-year-old account is worth 10,000 yuan.
The 80-year-old account is worth 10,000 yuan.
Different choices, different benefits! Save money or choose Taikang!!
Of course it's not one!
Taiping has a very long history, you can find this, started in 1929, is China's first insurance company, moved to Hong Kong in 1956, specializing in overseas business. In 2001, the resumption of business in China, this year is the 10th anniversary, Taiping attaches great importance to the cultivation of talents. >>>More
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Some types of insurance companies are sold through cooperation with banks, including postal savings, the industry term is called bank ** insurance, these types of insurance are generally similar to savings, most of them can also dividends, in addition to having a certain nature of savings, but also with a certain critical illness protection or life protection or something, its advantage is that there is protection in addition to savings, but it should also be noted that this type of insurance can not be withdrawn at any time like the existence of savings, and it must be withdrawn at one time after expiration (generally 5 or 10 years). Withdrawals will be deducted in accordance with the regulations, because there is insurance provided by the insurance company, so the deduction is higher than the bank's. Therefore, early withdrawal is treated as surrender, and only the cash value of the policy at that time will be returned. >>>More
In the final analysis, insurance is not payable for this, and it is not payable for that!
Xueba talks about insurance, focusing on insurance product evaluation! Critical illness insurance is the most discussed, and I've combed through most of them here:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance". >>>More