What does Ping An Xinli Insurance Participating Insurance, Ping An Xinli Insurance Participating m

Are the other riders you are referring to? It is recommended that the participating insurance should be planned in a single way, and the savings and dividend insurance should not choose the 20-year payment method, which will have little benefit in the future. And it's too slow to return money only once every 2 years, Pacific Insurance's savings dividend type returns money every year, you think about the same 10-year period, Ping An Xinli returns 5 times, Pacific returns 10 times, which is more cost-effective?

If you pay 3,460 yuan a year and pay it off in 20 years, you will have to wait for 20 years to save the premium, which is the largest base. But if you change it to 10 years of payment, 6,800 yuan per year, the total payment amount is the same, but you shorten the time of 10 years, and the maximum base will be reached after 10 years, if it is replaced by 5 years, the annual cost is more than 10,000 yuan, and the maximum base will be reached after 5 years, and the payment period is short, and it will be paid soon to enjoy the maximum benefits. But if it is paid in 20 years, and after 10 years, the price rises, and your money has depreciated, but there are still 10 years of money that have not been paid, and it is even less cost-effective to continue to deposit the depreciated money in insurance, do you understand what I mean?

1. Even if you apply for this product, it is recommended to cancel the additional premium waiver clause, there is no need to spend 1,000 yuan less per year, but 100 yuan per year, after all, it does not play a big role and has no actual value;

2. Your baby is only 4 years old, and your primary consideration now should be that both husband and wife should have a certain amount of financial resources to resist personal and financial risks, that is, if you have something to do, will you be very helpless financially, or whether there is a significant impact on the family's economic life at this stage and for a certain period of time in the future, and whether it will be largely related to the growth of the child, after all, you buy insurance, and the beneficiary will be your child. Secondly, consider the child's education fund reserves and accident and medical insurance (if you have gone to kindergarten, you can buy "student safety insurance" instead, which is cheaper);

3. The annual dividend of four percent, this is purely deceptive, I have repeatedly warned consumers that the income of dividend insurance is not guaranteed and the exact return ratio, it is based on the financial operation of the company you insured, it may also be zero; Moreover, the proportion of dividend income is not calculated according to your actual contribution amount, but the remaining cash value is used as the principal basis for dividend distribution after deducting a certain amount of expenses from your actual insurance money every year;

4. Don't buy insurance through this person, I said such a recommendation, either a fool or a second-class dealer. There are really very few insurance practitioners who meet the word "professional" now.

Here's what to say to the follower:

Today, I have made several posts, and I have also scolded some people, I hope that the insurance practitioners who are recruited here, you will first practice your professional hard work, and then come out to give consumers this kind of advice that affects their economic quality of life.

Professionalism is not that you just know what the terms and conditions are, then you just have the functions of a general audio recorder. Rather, you need to consider the consumer's actual economic situation, family structure, lifestyle preferences, future life expectations and other factors. The people who work in the insurance industry must first be a responsible person, and if you prompt consumers to take corresponding actions, will you bear the consequences?

Hope it helps.

Hello! When you communicate with Ping An ** people and initially reach the intention to buy insurance, ** people will make a plan for you, which will list the premiums paid, the payment period, the cash value of the policy on each contract anniversary, dividends and other information, of course, you can also know the cash value of the policy at maturity, which is the so-called how much money you can get in the end. In addition, you are welcome to know more about insurance products, insurance cases, you can ask questions, you can publish the intention of insurance needs, and the registered person of Zhibao will customize the insurance plan for you for free, so that you can choose the right insurance plan faster.

Hope it helps.

What does Ping An Xinli Insurance (Participating) mean?

Hello, glad to be able to answer for you. Based on your description, you can take a look at the following: As a savings insurance, Ping An Xinli Insurance (Participating) is a savings insurance with an applicable age of 0-60.

If it is a 0-year-old boy, he can apply for Ping An Xinli Insurance (dividend), the basic insurance amount is 50,000 yuan, and the annual insurance premium is 5,675 yuan. The insurance features of Ping An Xinli Insurance (Participating) include a return every two years and the accumulation of interest; Double payment at maturity and enjoy the joy of family; There is no upper limit for children's customers to apply for insurance and love; Annual Policy Bonus with extra surprises. Of course, more people are concerned about the policy benefits of Ping An Xinli Insurance (participating).

The policy benefits of Ping An Xinli Insurance (Participating) include survival insurance money, maturity survival insurance benefit, death insurance benefit, etc., of which survival insurance benefit refers to the "survival insurance benefit" paid by Ping An Insurance of China at the rate of 7% of the basic insurance amount for every second anniversary of the insured's survival from the effective date of the main insurance contract; Maturity survival insurance benefit means that if the insured is still alive on the policy anniversary when the insured reaches the age of 80, Ping An Insurance of China will pay the "maturity survival insurance benefit" at twice the basic insurance amount, and the main insurance contract will be terminated. Death benefit means that if the insured passes away before the policy anniversary of the 18th birthday, we will refund the premium paid and increase the value with simple interest at an annual growth rate, and the main insurance contract will be terminated. If the insured passes away after the policy anniversary of the 18th birthday (including the policy anniversary of the 18th birthday), we will pay the "death benefit" at 2 times the basic sum assured, and the main insurance contract will be terminated. Ping An Xinli Insurance (Participating) can not only protect the right of children to receive education in the future, but also serve as an endowment insurance.

In addition, if you want to understand and inquire about the dividends of Ping An Xinli Insurance (Dividend), you can register and log in to Ping An One Account for free, which is a leading multi-financial platform in China, which can easily integrate multiple Ping An internal accounts for you, not only to inquire about payment, dividends, cash value and other information, but also to provide a number of self-service functions such as change of address, **, etc., so that you can enjoy the convenient, safe and environmentally friendly services brought to you by Ping An e-service.

Ping An Xinli Insurance (Participating) is a return-type participating insurance listed on April 11, 2009 by Ping An Insurance Group of China.

For every 2nd anniversary of the effective date of this main insurance contract, we will pay the "survival insurance benefit" at the rate of 7% of the basic insurance amount. Maturity Survival Premium, the insured is still alive at the expiration of the insurance period, we will pay the "Maturity Survival Premium" at 2 times the basic insurance amount, and the main insurance contract will be terminated.

If the insured dies before the policy anniversary of the 18th birthday, the insurance premium paid will be returned and the simple interest will increase according to the annual growth rate, and the main insurance contract will be terminated. The "premium paid" is calculated based on the annual premium determined by the basic sum insured at the time of death.

If the insured passes away after the policy anniversary of the 18th birthday (including the policy anniversary of the 18th birthday), Ping An will pay the "Death Benefit" at twice the basic sum assured, and the main insurance contract will be terminated.