Can I get the principal when the No. 1 period expires?

It's completely possible, as long as it expires, it will bring interest to you, and it will be a lot. The interest calculation in stages still changes with the interest rate, and the central bank has cut the interest rate, but they have not lowered it.

How to calculate commercial property insurance premiums.

1) Single folding algorithm. That is, the insurance amount is multiplied by the insurance rate, that is, the annual insurance premium receivable is obtained, and the calculation formula is: annual insurance premium receivable for commercial property = insurance amount annual insurance rate period.

2) Double-entry calculation. That is, on the basis of a single calculation method, considering other factors to comprehensively calculate the insurance premium receivable, the calculation formula is: insurance premium receivable =

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Tianan Property Insurance Baoying No. 1 can get back the principal + interest at maturity, and the maturity is principal-protected, but it cannot be taken out halfway. Let's take a closer look:

Tianan Property Insurance Baoying No. 1 is a wealth management product, which contains the concept of investment to a certain extent, and it mainly has three aspects: driver's accident insurance, family property insurance, and traffic accident insurance.

To put it simply, this product has the dual functions of investment and protection. The point is that there is compensation for accidents, and no accidents can be returned. It seems to sound good, but in fact, there are many doubts, how can you judge that an accident insurance is simply a protection accident?

Take a look at the following article and you'll be inspiredThe correct posture for purchasing long-term return-type accident insurance

I showed the specific details of this product in the form of ** (as shown in the picture on the right):

From the specific content, this insurance has the following benefits:

1) It has two functions: the function of the product is that it belongs to investment and can be guaranteed. The main combination of this product is investment + traffic accident insurance, investment + property insurance, investment + driver accident insurance.

2) The amount of insurance is relatively high: the maximum amount of insurance reaches 600,000, and with the interest rate adjustment of the central bank, the income is relatively stable.

However, if the specific implementation of the clause is not completely implemented, it is not completely feasible to land, briefly talk about his loopholes:

1) Poor flexibility: It has a financial management function, but it can only get out the money when it is due.

2) Weak focus: Don't think about using insurance to make money, but think about how to use insurance to protect risks, which is important.

The focus of this product, as well as the guarantee and the rate of return, are not very outstanding. When it comes to insurance that can manage money, it must be annuity insurance. Not much to say, go directly to the ranking of annuity insurance, quickly collect it and read it slowly:

Top 10 Annuity Insurance Points Worth Buying! Hope!

It's totally possible, as long as you expire, even the principal with interest, a lot of points!

It's just that what was said at the beginning of the segmented interest calculation changes with interest, and I don't know how to understand it. But this time the central bank cut interest rates, but they didn't. Desirable

Hello, I am an employee of Tianan Property Insurance, and I can get the principal and interest within T+0 working days after the expiration.

Tianan Property Insurance Baoying No. 1 Tianan Insurance Company launched. Tianan Insurance is the fourth property insurance company in China.

If you think that **, it generally comes from the introduction of the insurance company's salesman when you first purchased, such as telling you: this is a high-yield financial product, or this is an insurance gift for buying wealth management (in fact, it is not).

If you want to surrender the policy, the insurance company will not surrender the policy in full, and when you negotiate the surrender procedure with the insurance company, you must grasp the evidence in your favor, and after finding the evidence, you are ready to start negotiating with the insurance company. But there are 2 principles to keep in mind:

1. When communicating with the insurance company or negotiating in person, it must be recorded no matter what;

2. In any case, you cannot provide your own signature sample to the insurance company. It is necessary to prevent the insurance company from destroying the favorable evidence.

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

What is Tianan Property Insurance Baoying No.1? Baoying No. 1 is an investment-type insurance of Tianan Property Insurance, which combines the functions of property insurance protection and capital utilization. So is it reliable to win No. 1? What are the advantages? What are the drawbacks?

1. Introduction of Tianan Property Insurance Baoying No. 1

"Baoying No. 1" is divided into three product series: investment-based family car driver accident insurance, investment-type family property insurance, and investment-type traffic accident insurance. The term is 1 year, 2 years, 3 years, according to 10,000 yuan**, 10,000 yuan minimum sale.

There are two major buying points to attract users to buy: first, the annualized expected return is higher than that of bank deposits in the same period, and the annualized expected expected rate of return of the product is higher than the expected annualized interest rate of the 1-year, 2-year and 3-year deposit benchmark announced by the central bank in the same period; Second, the insurance claim does not affect the principal and the expected annualized expected return, which is equivalent to an additional insurance. "After the insured accident occurs and the claim is made during the insurance period, the customer can still receive the principal and interest of the investment fund as agreed after the expiration of the insurance period.

2. The pros and cons of Tianan Property Insurance to win No. 1

Advantageous: As a wealth management product, Baoying No. 1 also comes with three types of insurance protection: 1 investment + traffic accident insurance, 2 investment + property insurance, 3 investment + driver accident insurance.

If the central bank raises interest rates, the expected annualized expected yield of the product will automatically be adjusted in the same direction; If the interest tax is lowered, the expected annualized expected rate of return will also be lowered. Therefore, it can resist the dual risks of interest rate hikes and tax cuts.

Disadvantages: Although it has financial management functions, it is always an insurance product, and you can't easily withdraw your money. Therefore, it is more suitable for customers with long-term idle funds and conservative customers who prefer stable value preservation and appreciation.

General wealth management participating insurance, returning to the Sen coarse sensitive insurance, can receive the insurance money after the expiration of the stool Huai insurance. To receive insurance money, you need to bring your ID card, insurance policy and other information, go to the business hall of the insurance company to apply, fill in ** according to the requirements of the staff, and submit the information. After waiting for the review, if you meet the conditions, then the insurance company will transfer the money to the designated account, and you can choose to pay it in a lump sum or in installments according to your own situation.

I hope mine can be helpful to you, thank you for your advice, thank you,.

If Tianan Property Insurance Baoying No. 1 surrenders, how much money is lost depends on whether it is surrendered during the hesitation period or surrendered normally.

Surrender during the cooling-off period.

Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

Normal surrender. Surrender beyond the cooling-off period will be regarded as normal surrender. Policies that have received insurance benefits are not eligible for surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.

In the insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill the contractual obligations, and when the insured requests to terminate or surrender the policy for any reason within the validity period of the insurance, the insurance company will return the balance of the liability reserve minus the deduction of the cancellation to the insured according to the regulations, and this part of the amount is the cash value of the policy.

Hello! In terms of operational procedures, surrender is relatively simple. If it is within 10 or 15 days after signing the policy, which is what we often call the hesitation period, you can apply for a surrender of the policy, and the premium can also be fully refunded.

If you apply for surrender after the cooling-off period, there is no procedural obstacle, but the policyholder will have a certain loss financially, and the surrender is calculated according to the cash value stated in the contract. On the first few pages of the insurance contract, there are several statements about the cash value. At this time, you see what amount corresponds to the nth year, and above is how much money you should receive.

Hope it helps!

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In a certain sense, Tianan Property Insurance Baoying No. 1 can be said to be an investment-oriented series of wealth management products, which mainly include investment-type family car driver accident insurance, Baoying No. 1 investment-type family property insurance and Baoying No. 1 investment-type traffic accident insurance.

In a word, this product has the dual functions of accident protection and investment and financial management. If you have an accident, you can get compensation, and if you don't have an accident, you can return it when it expires. It seems to sound good, but in fact, there are many doubts, should accident insurance be purchased?

How do I buy it? What are some good accident insurance recommendations for >>? Top 20 best-selling accident insurance in 2020!

So let's find out what this product contains:

From the specific terms and conditions, we can see the benefits of the product:

1) It has two functions: in addition to the investment function, it also has the function of insurance. This insurance can be divided into three different options: investment + traffic accident insurance, investment + property insurance, and investment + driver accident insurance.

2) The amount of protection is relatively high: the income is relatively stable, and with the central bank's interest rate adjustment, it will automatically adjust in the same direction, which can reduce the investment risk, and can guarantee up to 600,000 yuan.

3) Mortgage if necessary: There is a benefit that is better, and the purchase of insurance reaches 12 shares, and the mortgage can be taken.

However, if the specific implementation of the clause is not completely implemented, it is not completely feasible to land, briefly talk about his loopholes:

1) Poor flexibility: After all, it is a financial product, but you can't withdraw your money at any time.

2) Weak focus: Don't think about using insurance to make money, but think about how to use insurance to protect risks, which is the important place to dig and cultivate.

All things considered, this product is not particularly slippery and funny, and some points are still not taken care of. If you really want to manage your money through insurance, it is recommended that you consider the annuity insurance that many people are buying. Friends who need annuity insurance can click to view and >>