Please ask some questions about Ping An Universal Insurance

Let's assume that the death benefit is 120,000 yuan, and the critical illness compensation is 60,000 yuan (of course, the specific amount can be adjusted, you can choose, for example, the death benefit is 300,000 yuan, and the critical illness compensation is 240,000 yuan).

From the first year to the fifth year, you will receive 60,000 yuan for critical illness, because your account value at this time is up to 30,000 yuan.

These costs are included in the annual premium of 6,000.

Universal insurance is flexible, the amount of compensation can be adjusted, the premium can be paid or not, it can be paid for 5 years, it can be paid for 10 years, it can also be paid for 15 years, and it can be partially withdrawn every year, and the protection is always there, knowing that the account value is not enough until the coverage cost for the current year.

The basic insurance of the main insurance, the basic amount of the insurance, the amount of the insurance of the main insurance, the insurance premium of the insurance do not know you don't know, assum, you set the basic insurance of the main insurance is 120,000 (you can choose it, the insurance can also be attached), the basic insurance amount of the insurance is 80,000 yuan, because you pay 6000 per year, the 5th year will definitely not exceed 30,000 yuan, please focus on the situation below 80,000, the policy value is less than 80,000, if there is a critical illness (no compensation within 90 days), the insurance company will pay 80,000, If there is no compensation for critical illness and death, 120,000 will be paid, if you have been paid for critical illness and then die, 40,000 will be paid, if the policy value is higher than 80,000 and less than 120,000 at the same time, if there is a critical illness (no compensation within 90 days), the insurance company will pay the policy value*, if there is no compensation for critical illness and death, 120,000 will be paid, if you have paid for critical illness and then die, 12 - the amount of compensation will be paid, and the policy value will be higher than 120,000

In the event of a critical illness (no compensation within 90 days), the insurance company will pay the policy value* and the contract will be terminated, if there is no compensation for critical illness and death, the policy value* will be paid, and if the critical illness has been paid and then die, the insurance company will not pay because the contract is terminated.

In addition, if you want the total premium to be lower than the basic sum insured of the main insurance, it is recommended to pay 4000 in the regular premium, and pay some more years.

The upstairs is very detailed, and I would like to add that those over the age of 55 (excluding 55) cannot be attached to the critical illness benefit! Think about it, move fast! Also, the calculation method of the policy value you said is incorrect, the policy value depends on the investment income, and your calculation method is much less than the actual policy value!

Ping An Life's universal insurance is based on the insurance contract. Different products have different coverage contents, and there will be differences in terms of claims. It depends on how the terms of the contract are stipulated.

Now back to universal insurance, universal insurance is a type of financial insurance in insurance products. This type of product has two accounts - a protection account and an investment account, which can provide protection for the insured (such as death benefit, etc.) just like traditional insurance products; The investment account is responsible for managing the money and bringing income to the policyholder. You can have a good understanding of universal insurance through the following article:

Wealth management with universal insurance, stable and safe income? Doxxing universal insurance!

Before applying for universal insurance, the senior sister recommends that you must read the contract clearly, especially pay attention to the guaranteed interest rate (or "minimum guaranteed interest rate") indicated in the contract. Because the specific income of universal insurance** depends on the operation of funds in its investment account, it is uncertain how much income it can bring. The guaranteed interest rate represents the lowest interest rate of the universal insurance, and figuring out this can also give us a bottom in our hearts.

In addition, you can also pay attention to the historical settlement interest rate of the universal insurance, which can be found on the official website of the insurance company. If you want to know more about the benefits of universal insurance, you can also take a look at this article: How much money can you make by buying universal insurance? Don't be sold, be happy.

For this insurance, it can be said that it is the best at present, under the premise of not exceeding 45 years old, no serious illness or death in advance, the salesman is right, and the customer service is also right (to consider what I said above) to consider saving a copy, and there will be no rut tomorrow.

Delisting immediately. Good luck!

How much you deduct depends on how much insurance you have.

Pay 6,000 in the first year, and generally only about 3,000 remain.

Remember to pay every year, otherwise you will have nothing until the account balance is insufficient.

Universal insurance can only be sold by professional people who have undergone professional training. It looks like the people you're meeting don't know much about it.

There are two key problems with universal insurance, one is that the policy needs to deduct the initial cost, and the other is that the premium needs to be deducted from the insurance cost on a monthly basis.

As for how long the account value in your policy is enough to deduct, it is determined by the insured amount of your policy, if your policy is 10,000 yuan, then generally only about 2 yuan a month to deduct the cost of protection, then you pay for 5 years, the account value can not be deducted for many years, but if the insured amount in your account is 200,000 yuan, then how long can the value in your account be deducted, it must be different from 10,000 yuan of insurance.

I purchased this product, the accident insurance amount is 100,000 yuan, the critical illness insurance amount is 120,000 yuan, the design payment is 20 years, and the annual premium is 6,000 yuan. By the time I'm 55, I'll have a good pension in my account.

This is from the e-proposal given to me by the business person, calculated as a mid-range income.

It is recommended that you find a business person to print an electronic proposal, which is in the form of **, which can show the account value of your policy after deducting the initial cost and insurance cost, which is generally divided into three grades, low-grade, medium-grade and high-end. We don't look at the high-end, the mid-range should be about the same, according to past experience, it can reach the upper mid-range.

Many salesmen have deceived and misled customers, and in the choice of insurance products, your wife should focus on women's disease and maternity insurance, followed by pension + accidental hospitalization! This is the most practical insurance for women!

The customer center has the best recording, which has legal effect, and the salesman does not have legal effect, so often when customers have questions, they consult a lawyer or take the insurance contract as the standard, and rarely find a salesman, which is a little too late, and there is a risk of leading to their own interests!