How is the cash value of China Life Ruixin Insurance Dividend paying Insurance?

Xueba talks about insurance, focusing on insurance evaluation! The comparison between 35 participating insurance and 101 mainstream critical illness insurance has been updated35 participating insurances competed with 101 mainstream critical illness insurance, to friends who know this article.

I have met a lot of people who buy participating insurance but they just heard that others said it was good, so they bought it, and they didn't understand what participating insurance is, do they need it? Next, I will tell you what dividend insurance is:

The feature of participating insurance is that policyholders can share the operating results of the insurance company while enjoying protection, taking into account protection and financial management, which is the characteristic of participating insurance.

Hearing the word "dividend", many people feel that they have paid money, not only guaranteed, but also able to enjoy dividends, as if they have become the original shareholders of the insurance company, but this is not the case, "dividends" sounds very simple, but I have seen friends who hold dividend insurance, no one gets the expected returns.

Clause.

1. The distribution method of participating insurance is uncertain.

Second, the dividend pool is not transparent.

These two characteristics of participating insurance make the real income of participating insurance an unknown, and it has caused frequent complaints about participating insurance, and the reasons are in my articleWhy is participating insurance a "high-incidence area" for insurance?

It's all clear.

In the final analysis, dividend insurance is not suitable for beginners, and people who do not have certain insurance knowledge should not blindly insure!

That's all for me"How is the cash value of China Life Ruixin Insurance Dividend-paying Insurance?"All, look!

In two parts, 1The premium portion corresponds to the effective year value of the policy (which can be found on the policy). 2.Dividend accumulation + compound interest, the sum of the compound interest of the survival fund returned by the accumulation + dividends and return of the dividend data over the years of the policy.

It is calculated on the premise of ensuring their interests.

There are many people who know that they should buy insurance to increase their protection, but they do not know how to buy insurance, for example, Chinese Life launched the China Life Ruixin Insurance, many people simply do not understand what this insurance is all about, the promotion of this insurance is mainly in,The income is very stable, and it can also be used to protect our health, pension, and dividends。Isn't it particularly heartwarming to hear this? In fact, you haven't fully figured out what this insurance is all about.

Let's take a very simple example, Mr. Zhang works in a formal company, and the company usually helps to pay social security, but Mr. Zhang is over 30 years old, so he has to start thinking about the follow-up pension problem, in order to reduce the risk, he chose this China Life Ruixin Insurance. Mr. Zhang needs to pay a premium of $24,880 per year for 10 consecutive years, with an amount of $100,000. From the time the contract is in effect until Mr. Zhang is 80 years old, he can enjoy the benefits of this insurance.

Every three years, you can get a survival guarantee of 8,000 yuan, if you die due to illness within one year of the contract taking effect, the insurance company will pay the death insurance benefit according to the insurance premium paid by Mr. Zhang, and this insurance will be terminated. If Mr. Zhang dies due to an accident or illness, the company will give 300,000 yuan in insurance money if he dies after one year. If Mr. Zhang can live until the end of the insurance period, the insurance company will also pay an additional 300,000 yuan in insurance money.

If, one year after the effective date of the contract, Mr. Zhang is diagnosed with a critical illness, then the company will pay 300,000 yuan for the critical illness, and the insurance contract will be terminated.

When we look at this insurance, we should not focus all our attention on the return of the sum insured, but should see what protection this insurance can bring us, for example, 300,000 critical illness insurance is a very important one. Some people always just look at the amount of insurance returned, and do not pay attention to what the insurance covers, and start to find trouble with the insurance company once there is an accident, in fact, they don't figure it out at all. In short, when we buy insurance, we should still focus on diseases and accidents, and on this basis, we can extend other insurance to increase our protection.

This is a kind of insurance, mainly dividends, in fact, it is not particularly good for protection, and this kind of insurance is not very cost-effective, if you want to buy simple life insurance or critical illness insurance, this kind of insurance is the least cost-effective.

Hello, dear, happy to answer for you. China Life Ruixin Insurance (Dividend) Insurance RulesInsurance Age: 30 days - 50 years oldInsurance period: Insured to 80 years oldPayment period: 10 years, 15 years, 20 years.

Hello, during the insurance period of the insurance contract, the insurance company bears the following insurance liabilities: 1. The survival insurance money shall be paid by the insurance company according to 8% of the basic insurance amount from the effective date of the insurance contract to the corresponding date of the annual effective date of each full three policy years when the insured survives to the corresponding date of the annual effective date of each full three policy years. 2. If the insured dies of illness within one year from the effective date of the insurance contract, the insurance company shall pay the death insurance benefit according to the insurance premium paid (excluding interest), and the insurance contract shall be terminated; If the insured dies due to accidental injury or dies of illness one year after the effective date of the insurance contract, the insurance company will pay the death benefit at 300% of the basic insurance amount, and the insurance contract will be terminated.

3. The insurance company shall pay the maturity insurance benefit at the rate of 300% of the basic insurance amount and the insurance contract shall be terminated if the insured survives to the effective date of the year after the expiration of the insurance period.

Questions. How much can I get back after 5 years.

Hello dear, glad to answer for you. After paying for five years, about 6,060 per year, how much can be refunded now, depending on how much can be taken in this insurance contract, which can be seen, if you are still not clear, it is recommended that you call the customer service of the insurance company ** to understand. The surrender of China Life Ruixin Insurance (Participating) may not be able to return the principal.

The cash value of China Life Ruixin Dual Insurance (Dividend) is actually not very high, even if it adds dividends, it will not start to earn income until at least ten years later, and it will be withdrawn at that time. Now only the cash value can be refunded, and only the savings life insurance has the cash value, such as long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, endowment insurance, endowment insurance, whole life insurance, term life insurance with a term of more than one year, and universal insurance.

This is just a trap, and then the risk is relatively large, which means that the insurance company will distribute some of the insurance in the previous quarter as profits, and will also provide customers with a kind of life insurance in the corresponding proportion.

These two insurances are particularly good for personal protection and some dividend distribution, one can protect birth, old age, sickness and death, and the other can protect people's property interests. Therefore, the combination of these two policies is particularly cost-effective.

This is also a kind of insurance newly developed by them, which can attract everyone to invest in this insurance project and drive the development of this insurance project, which is still quite investment-worthy.

This is a very popular product, and the payment period is very flexible, and it has also been favored by many consumers, but there are also many routines in participating insurance, so you must be cautious.

It's all routines, and people give you points after they die.

**At a glance, you can understand that good people are the most likely to be pitted.

Summary. Hello, the survival benefit of Ruixin Dual Insurance (Dividend) is received every three years before the age of 80.

Hello, the survival benefit of Ruixin Dual Insurance (Dividend) is received every three years before the age of 80.

The amount of the survival fund is 8% of the basic insurance amount agreed in the contract.

For example, the basic insurance amount purchased by yourself is 10,000 yuan, and you will receive a survival fund of 800 yuan every 3 years.

Deposits occur on the policy anniversary.

When and when did you buy your policy?

10/22/09

The survival allowance is paid every three years.

will be distributed on October 22.

Your policy anniversary is October 22.

It is paid every three years until the age of 80.

When you are 80 years old, you will receive a maturity payment.

Chinese Life China Life Ruixin Liangquan Insurance Participating Type is a life insurance with policy dividends, providing protection content such as survival insurance money, death insurance money and maturity insurance money, in addition to adding a China Life additional Ruixin early payment critical illness insurance, as for the advantages and disadvantages of this product, and see my analysis below.

Before starting, friends who don't know about insurance should collect this article first, so as to facilitate the understanding of the following: super complete! Everything you need to know about insurance is here.

Not much to say, directly present the product diagram of China Life Ruixin Insurance Dividend Type:

1. The age range of insurance is narrow.

China Life Ruixin Insurance Participating Type only supports people born 30 days to 50 years old to participate in the insurance, it can be seen that its maximum insurance age is only 50 years old, you must know that the maximum insurance age of some insurance can be 70 years old, in contrast, China Life Ruixin Insurance Dividend Type can not provide protection for 50-70 years old group.

Of course, the above part of the population can't buy the participating product of China Life Ruixin Insurance, and there is no need to worry, and there are more life insurance with a wide range of insured ages: super complete! Comparison table of popular life insurance in China.

2. The income of policy dividends is uncertain.

It is a happy thing for China Life Ruixin Insurance to provide policy dividends, but as a consumer, the possibility of getting dividends is uncertain.

Since the amount of policy dividends depends on the operating conditions of the insurance company's corresponding participating insurance business, if the operation is good, we can naturally get more dividends; But if the business is not good, we can get very little or even zero dividends.

Moreover, the insurance company does not need to publicize how much dividends to be distributed, and we, as consumers, have no right to ask, only when we get the dividend notice every year, can we know how much the dividend is.

This insurance is paid for 10 years, and it is protected until you are 80 years old, not 80 years of protection, and you don't have to pay your money after 10 years, and the money is also taken when you are 80 years old, not at the end of the payment period. For example, if you buy it at the age of 30, you pay the fee until you are 40 years old, but you don't have to pay it, but the guarantee is given to you until you are 80 years old. What does this mean!!

This insurance is repaid every three years, which means that if you pay the money for three years, he will return 8% of your insurance amount, and return it once every three years.

In the unfortunate event of death, you will be paid three times the sum assured, and 300% of the principal will be returned when you reach the age of 80

You can't get all your money out halfway, and what you can get is 8% back. In addition, this is a participating insurance, dividends are 70% of the annual operating profit of the insurance company, he will do dividends to the customers participating in the participating insurance, which is different every year, depending on the operating conditions of the insurance company. The more money the insurance company makes, the more you take, and if you don't make money, you may not have dividends.

Dividends can also be taken, but under normal circumstances, it is not recommended to take dividends, the dividends of insurance companies are very small in front, only in the later stage, if you are not short of money, it is recommended not to move.

If it is like surrendering the policy, it is the cash value of the refund, there will be a cash value table in your contract, you can take a look, the cash value of each insurance contract is different, the later the surrender loss, the smaller the loss, but the surrender is generally a large loss.

Finally you say".There is also China Life Additional Ruixin Critical Illness Insurance Insurance with an insurance amount of 152.28 million in advance, what does the standard premium mean?

It's because your plan actually has 2 insurance components, one is the main insurance, life and death insurance dividend, and the other is the critical illness insurance that is paid in advance, which is the premium of the additional insurance, and you don't care how much he writes, anyway, the insurance amount is given to you so much, it won't be wrong, you can take the money of the additional insurance to add the money of the main insurance is your one-year principal.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Chinese Life's Ruixin Dual-Life Insurance Participating Collector's Edition will also attach Ruixin Critical Illness Collector's Edition and New Account Diamond Edition. At the time of application, you can choose the age of receiving the life pension (60 or 65 years old) from the beginning of the insurance application, and receive 3% of the sum insured as a survival fund every year until the life pension is received.

The sum insured received every year for the birthday pension is received until the age of 84. At the age of 85, you will receive a maturity insurance benefit, which is 350% of the basic insurance amount

Hello, dear, China Life Ruixin Insurance Participating Collector's Edition is a universal insurance from the insurance period to the age of 85 of the insured.

Chinese Life's Ruixin Dual-Life Insurance Participating Collector's Edition will also attach Ruixin Critical Illness Collector's Edition and New Account Diamond Edition. At the time of application, you can choose to receive the age of the hidden stool (60 or 65 years old) or the insurance liability is from the beginning of the insurance, and 3% of the insured amount is received as a survival fund every year until the life pension is received. The sum insured received every year for the birthday pension is received until the age of 84.

At the age of 85, you will receive a maturity insurance benefit, and the maturity insurance benefit is 350% of the basic insurance amount

At the same time, the additional Xinrui Critical Illness Collector's Edition provides protection for 50 critical illnesses and 10 specific diseases.

China Life Ruixin Insurance Participating Type (Collector's Edition) 10 years of good annual payment, annual payment of 10038 yuan, Youjing additional critical illness insurance of 638 yuan, has been paid for 7 years, how much can be claimed for acute myocardial infarction.

Survival and life payments, as well as maturity insurance benefits, are automatically credited to the universal account.

What is the age and gender of the insured person at the time of application?

Acute myocardial infarction can pay 100% of the sum insured

Dear, what you said is only payment information, you need to know the <> amount of insurance according to the age, gender and payment information of the insured

Male at the time of application, 44 years old.

The sum insured is 30,000

Pay 30,000 ha. Acute myocardial infarction is a critical illness and pays 100% of the basic sum insured.