I pay life insurance for 3000 per year, and I can get back more principal after ten years, which is

Maybe you don't know about insurance, there is no principal after the insurance is paid, if it is whole life insurance, there is no return of the principal, only surrender the policy to get back the cash value, and the cash value does not have decades of accumulation can not reach the principal at all.

Xueba talks about insurance, focusing on insurance evaluation! This comparison table of the latest 35 participating insurance and 101 mainstream critical illness insurance products in 2020 is given to friends who know this article35 participating insurances PK 101 mainstream critical illness insurance, to friends who know this article.

Many people must have heard of participating insurance, but not many people really understand what participating insurance is? What's the use? Let's take a look at what is sacred about participating insurance:

Dividend insurance is actually a kind of insurance with both protection and dividends, it provides customers with corresponding protection, and at the same time, it also gives customers a certain dividend according to the company's operating conditions, which is the characteristics of dividend insurance, which can not only manage money but also protect it.

For a long time, dividend insurance with its "protection + income" characteristics by consumers love, for troublesome customers, buy an insurance accident compensation, nothing can also return dividends, why not? But friends who have bought dividend insurance, have you really received a "red"? Anyway, I haven't seen anyone actually make a significant profit.

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 makes participating insurance a type of insurance with a high complaint rate, and the reasons are in this articleWhy is the dividend insurance frequently complained?! , if you are interested, you can find out.

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"I pay life insurance for 3000 per year, and I can get back more principal after ten years, which is a participating insurance"All, look!

Chinese Life Insurance (Group) Company (hereinafter referred to as Chinese Life), a leading financial enterprise, is a state-owned super-large financial and insurance enterprise company, headquartered in Beijing.

Life Insurance launched wealth management insurance, which is a new type of insurance product that integrates insurance protection and investment functions.

Chinese Life Insurance.

It is a large-scale formal insurance company in China, and its products are reliable, but the dividends of participating insurance are uncertain, and the income may be unstable.

Before applying for wealth management insurance, it is best to ensure that your protection insurance has been configured, and then allocate wealth management insurance"Popular financial insurance evaluation, which one has the highest return? 》

1. What isParticipating insurance

Participating insurance means that the insurance company will pay each fiscal year.

This type of participating insurance.

A kind of life insurance that distributable surplus is distributed to customers in the form of cash dividends or value-added bonuses in the form of cash dividends or value-added bonuses in a certain proportion.

Participating insurance is usually relatively high, the premium is relatively expensive, and it takes a long time to continue to invest to see a relatively considerable income, which is not very friendly to consumers with poor economic conditions.

2. What are the characteristics of participating insurance?

1. Participating insurance is a kind of financial insurance, which is risky.

2. The protection period and amount of participating insurance.

All are fixed and must be paid on time.

3. The income of participating insurance depends on the operating results of the insurance company and the investment income of the insurance company.

and other factors. 4. Participating insurance does not necessarily have dividends, whether dividends are paid and how much dividends are paid depends entirely on whether the insurance company made a profit in the previous year, and only dividends can be paid in the case of profits.

5. Participating insurance can only be divided into two types: investment and protection according to function.

Reliable, our non-insurance policies are the most honest contracts, so any insurance company is reliable. Tell you that the dividend is uncertain, but we will give you a dividend report every year.

Yes, Chinese Life is a large formal insurance company in China. Its products are reliable, but the dividends of participating insurance are uncertain, and the income may be unstable. Before applying for financial insurance, it is best to ensure that you have configured your own safety insurance, and then configure financial insurance.

Extended Information: Precautions for Purchasing Insurance:

1. Guarantee first, then manage money.

When applying for insurance, priority should be given to protection insurance. Protection insurance is the insured, can really help everyone to resist the risk of illness and accidents faced by the family, once the risk occurs, hundreds to thousands of dollars of premiums, may get hundreds of thousands of compensation. Protection insurance has no investment income, is usually a consumer product, and if the risk does not occur, it will not bring income to the policyholder.

After the protection insurance configuration is perfect, if you still have a budget, you can consider wealth management products.

2. Adults first, then children.

When buying insurance, families must do so that adults come first, and children second. The breadwinner of the family, who contributes the most to the family's economy, should be given priority in purchasing insurance. After all, parents are the biggest "insurance" for their children.

However, in real life, many parents spend too much budget on their children out of love and concern for their children, such as accident insurance, medical insurance, critical illness insurance, education funds, etc., but they didn't expect that they were actually "running naked". If the parents unfortunately have an accident, not only the child's subsequent premiums will be unsustainable, but the child's future life and education will also be greatly affected. However, if the child is in danger, the family's financial situation will not be greatly affected, so it is irrational to spend most of the insurance budget on the child.

3. Plan first, then product.

Many people buy insurance is disorganized, think of what to buy, insurance products are thousands, complex, everyone who sells insurance is saying that their products are good, what others recommend to buy, this kind of practice without planning is very undesirable, should be done for themselves before insurance for their families to do a good job of insurance demand analysis and planning. Consider the budget, the security you need, and more. Plan well in advance so that you don't spend money in vain and don't get better protection.

Buying insurance, not talking about needs, not talking about combination plans, and directly recommending products are hooligans! According to the comprehensive protection plan, it is the right way to choose a specific insurance product.

4. The terms of the contract should be read clearly.

Generally, the insurance contract is drawn up by the insurance company, and the insurer has no right to change it. The insurance contract is the only reference document for us when making a claim, and it is also the only evidence to protect our legitimate rights and interests, so it is very necessary to read the terms of the insurance contract clearly.

When will the principal be returned.

Now there are thousands of insurance, but I want to say that there is basically no insurance in the world, insurance companies will go through a series of algorithms when they launch insurance, and it is impossible for any commercial insurance they launch to lose money, and the money you lose on your head will be multiplied dozens of times on other people's heads. Therefore, it is 100% problematic to pay 60,000 yuan and return 300,000 yuan of insurance in this ten years, don't believe it, I still recommend that you call the police directly.

Reliable, Chinese Life belongs to a relatively large insurance company, so it is particularly reliable, this company's insurance project is worth recommending.

This is very reliable, this is a new participating insurance product launched by Chinese Life Insurance, and it can really get 300,000 after ten consecutive years.

I think this kind of thinking is a bit unreliable, after all, making money can't be achieved overnight, and we can't become fat in one bite, so we should still take it step by step.

It should be a wealth management product. The new product launched by Chinese Life this year is a happy year, there are 3 years, 5 years and 10 years of payment, if you choose 3 years, it is to pay 20,000 yuan per year for 3 consecutive years, and then return the capital to you in 10 years at the earliest.

Hello, according to age, the earliest male 60 returns, female 55 returns, is Xinfu annual products, contact for details.

If you are consulting about a peaceful and noble life or a happy life, you will start receiving it in the third year. Collar for a lifetime!

I pay 20,000 a year and how much can I pay in 10 years after 3 years are paid?

The types of insurance of each insurance company are different, so you can call the customer service of Life directly for consultation.

It is a wealth management dividend insurance, which can be seen in the terms of the contract.

Pacific Life's happiness companionship is selling very well, you can consider it.

Summary. Hello, life insurance dividends pay 5,000 yuan per year, like this type should belong to annuity insurance. 5000 yuan a year for 10 years. That's 50,000 in total. There are some types of annuities, which can be received after the age of 60, and can receive more than 2,600 per year.

How much does the life insurance dividend type take out at one time after paying 5,000 yuan per year for 10 years?

Hello, life insurance dividends pay 5,000 yuan per year, like this type should belong to annuity insurance. 5000 yuan a year for 10 years. That's 50,000 in total. There are some types of annuities, which can be received after the age of 60, and can receive more than 2,600 per year.

This is an indefinite value. 10% of the sum insured will be returned every two years, which is fixed, and the dividend is uncertain, and the premium paid at the age of 75 is 50,000. Because I don't know your exact sum insured, it can only be calculated this way. You look at the information in the policy.

First of all, the participating insurance products of Chinese Life are reliable, but whether they can get so much money according to the subject's description of "6,000 a year for 10 years, and 300,000 after 10 years" still depends on the contract provisions.

Although the listing of Chinese Life's participating insurance products is subject to layers of control by the China Banking and Insurance Regulatory Commission, and you do not need to worry about the safety of the product, whether the product is suitable for purchase must be analyzed in combination with the actual situation.

Participating insurance is an insurance product that can share the operating results with the insurance company, and the insurance company will account for the participating insurance business of the year at the end of each fiscal year, and determine the dividend distribution plan according to the actual operating conditions of the participating insurance business. At the time of application, the insured can receive this bonus according to the provisions of the contract.

At first glance it sounds great, but it's important to note that the dividends are actually uncertain. The dividends of the insurance company are distributed according to the distributable surplus, that is, according to the operating conditions of the insurer's company, the dividends received are unknown, may be more, may be less, or even zero.

The low, medium and high-end dividends mentioned in the examples of wild insurance provided by insurance companies are also hypothetical and can only be used as a reference.

Based on the above analysis, there is still a great deal of uncertainty in the dividend income of participating insurance. Therefore, if consumers want to obtain a more stable income, Senior Sister suggests that you can choose an annuity insurance product with a more stable income.

The intimate senior sister has also sorted out several good annuity insurance for everyone, interested friends can take a look:Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Hope.

Summary. Hello friend, very happy with your question, can't, after ten years of Chinese life dividend insurance, there will be dividends every year in the future, this dividend includes part of the principal and interest, will not let you take it all out, is to let you receive some every year, I hope my reply can bring you help, I wish you a happy life

Can the money be taken out after ten years of Chinese life dividend-paying insurance? Bonuses included.

Hello friend, very happy with your question, can't, after ten years of Chinese life dividend insurance, there will be dividends every year in the future, this dividend includes part of the principal and interest, will not let you take it all out, is to let you receive some every year, I hope my reply can bring you help, I wish you a happy life

The participating insurance has been paid for ten years, whether it is all good to get it back, or is it stored in the card, when can it be taken out, and our family pays 2,800 yuan a year.

Take a portion of the year.

Whether it is taken annually or not.

Take it out. Are you talking about the money that takes dividends?

Take as many as you want.

It's supposed to be money for you, so why don't you take it?

Some are given to you every year, and when they are given to you, they can take them out and make other investments.

You can't withdraw the principal, you can't withdraw it until you're seventy or eighty years old, right?

The money given to you every year is partly the principal and partly in dividends.