Ping An Ping An Whole Life Insurance related issues

Hello! Ping An Fu is a protection-type insurance, with relatively complete protection, including life insurance, accidents, and critical illnesses, as for whether the additional insurance (hospitalization and accident medical treatment) is attached, it depends on your policy.

Whether it is suitable for you depends on the social security you have and whether the company buys group insurance for you, and you need to determine according to your actual situation.

Insurance and banks are different, you can't compare insurance with deposits, banks are where you keep most of your money in the bank in exchange for a little interest; Insurance, especially protection insurance, uses a small premium in exchange for a higher sum insured in the event of a risk (accident or illness).

After 20 years, you don't have to pay this policy, but the protection is lifelong and can continue to protect you; But if you want to surrender the policy, the 20 years will definitely not get back the principal, surrender is the cash value of the surrender policy, you can see on the policy there is a cash value table, there is a corresponding number of years of cash value, you can see how many years to surrender the policy to get back the principal. However, it is recommended not to consider surrendering the insurance policy if you buy a protection type of insurance, because the cash value is very low, and buying it is also an extra protection for future uncertainties.

If the hesitation period is over, the surrender loss will be very large, so be cautious.

Hope it helps!

The advantages of Ping An Fu Whole Life Insurance are as follows:

1. Pure protection products with a predetermined interest rate of up to 4% among large insurance companies in the market.

2. Low premium, high sum insured, comprehensive protection and high cost performance.

3. The types of critical illnesses are more complete, the accident protection is more comprehensive, and the exemptions are more humane. There are also 8 mild and critical illnesses that are given away for 20% for free.

4. The additional accident insurance has greatly expanded the scope of protection, from 34 items in level 7 to 281 items in level 10, and double compensation for self-driving cars, and the protection is up to 70 years old when the payment period expires.

The disadvantages are: 1. You have to continue to pay for at least 20 years.

2. It is best not to surrender the policy halfway.

Expanding Knowledge: Whole Life Insurance Buying Myths.

Myth 1: Social security is enough.

This is the inertial thinking left over from the era of the planned economy. Many units have purchased insurance for individuals, among which social insurance is compulsory insurance, including pension, unemployment, illness, maternity, and work-related injury, but these insurances only provide the guarantee of maintaining the most basic standard of living, and cannot meet the needs of family risk management planning and higher-quality retirement. Especially for the pillars who support the whole family, it is necessary to buy accident and whole life insurance to prevent the family economy from being subverted in case of unforeseen circumstances.

Myth 2: Whole life insurance is insurance that can only be obtained after death or when you are about to die, so it is useless to insure it.

Insurance does not protect against illness or death, but rather financial security in the event of misfortune. The pillars of the home are a must-buy to provide financial security for the whole family.

Myth 3: Whole life insurance is highly protected and can be bought by anyone.

According to the restrictions of the insurance company, the elderly are not allowed to buy it. At the same time, because the rate of life insurance is calculated according to age, the elderly pay too much and are not cost-effective, so they can buy accident insurance for protection.

Myth 4: Term life insurance is cheaper than whole life insurance, buy term life insurance.

The cost of whole life insurance is higher than that of term life insurance, but if economic conditions allow, whole life insurance should still be considered. Whole life insurance is long-lasting, and as long as the contract is maintained, the benefits will eventually be paid.

Ping An Fu Whole Life Insurance is the main insurance product of Ping An Fu Health Insurance Plan. The so-called main insurance, also known as basic insurance, refers to the insurance that does not need to be attached to other insurances and can be independently underwritten. In other words, Ping An Fu whole life insurance is a type of insurance that can be purchased separately.

The amount of protection of Ping An Fu whole life insurance is not fixed, and the amount of protection it receives is different according to the age of the policyholder and the level of payment.

Coverage content: 1. Insurance amount:

1) Basic insurance amount: The basic insurance amount of this main insurance contract shall be agreed upon by you at the time of insurance application and stated in the insurance policy. If the amount is changed, the changed amount will be the basic insurance amount.

2) Insured Amount: The insured amount of this main insurance contract is equal to the basic insured amount.

2. Insurance liability:

During the validity period of this main insurance contract, the insurance company shall bear the following insurance liabilities: death insurance benefit, death of the insured, the insurance company will pay the "death insurance benefit" according to the insured amount, and the main insurance contract will be terminated.

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

Ping An Fu has a lot of protection, with whole life insurance as the main insurance, as well as covering fraudulent lifelong critical illness, optional additional long-term accident insurance, critical illness and minor illness premium waiver, multiple claims for cancer, medical insurance combination, etc., that is to say, you can regard Ping An Fu as critical illness insurance, although it is additional, but the protection of death and critical illness are the basic sum assured.

Ping An Fu is a comprehensive insurance that combines whole life insurance, whole life critical illness insurance (single claim), term accident insurance (now optional), and waiver insurance (extra money to buy); At the same time, it can be attached to medical, accident, accidental medical and other insurance.

In all fairness, in the industry, Ping An Fu's design concept of "large, comprehensive and upgradeable" is very recognized by most practitioners, because it covers most of the basic insurance.

About Ping An Fu Whole Life Insurance.

Life insurance refers to the insurance that pays after death, and Ping An Fu's whole life insurance cannot be purchased separately. Although the product is right, Ping An Fu's whole life insurance has both disadvantages and advantages.

Advantages: There is no waiting period for Ping An Fu Whole Life Insurance.

Second, is it necessary to return Ping An Fu after buying it?

It is not recommended to return for two reasons:

1. Surrender blood loss: Ping An Fu's payment is super high, and it is quite expensive to pay for 3 years, paying more than 10,000 or even tens of thousands, and only a few hundred yuan can be refunded.

2. There is a risk of surrender: if you bought Ping An Fu three years ago, your body was okay at that time, and it was covered by the standard body, and after three years of physical examination, there were some minor problems in the body to buy other critical illness insurance, which may not be covered by the standard body, and there are 90 days and 180 days of waiting period after surrender, which is more troublesome.

The advantage is that it can provide us with good protection, and the cost performance is particularly high, the premium is relatively low, the amount of insurance is relatively high, and the accident insurance is attached, the disadvantage is that if you want to surrender the policy halfway, then you will definitely lose a lot of money, and you must continue to pay for at least 20 years.

The advantage is that the premium is relatively low, the sum insured is relatively high, the protection is comprehensive, and the cost performance is high, but the disadvantage is that a large amount of fees will be deducted if the policy is surrendered halfway, and the premium will be paid for 20 years.

The advantage is that the amount of insurance is very high, the scope of protection is very large, the claim settlement speed is very fast, and the speed of processing is also very fast, the disadvantage is that the timeliness is relatively long, and the number of years that need to be paid will be relatively long, and the cost is relatively high.

The advantages are very affordable, very cost-effective, good for your future, and some guarantees. The disadvantage is that you need to pay premiums for many years in a row, and you have to pay a certain amount of premiums every year, so that you can have some protection.

Xueba talks about insurance, focusing on insurance product evaluation! Is there a big difference between Ping An Fu and other critical illness insurance policies currently on the market? You can refer to this comparison table"Comparison Table of 136 Popular Critical Illness Insurance in China".

First of all, I can clearly answer you, Ping An Fu whole life insurance is not **, and there is no problem of deception in any insurance product, because they are strictly supervised by the China Banking and Insurance Regulatory Commission, so this can be assured. Moreover, Ping An Fu has been a hot-selling product for many years, and it is not a lie to upgrade and improve protection under the attention of the public. It seems that you don't know much about Ping An Fu, so I will make a detailed analysis of Ping An Fu below, you can refer to it:

Ping An Fu is the most representative product of Ping An Insurance, which has been upgraded every year, and has been upgraded to the version of Ping An Fu 20 this year. After the new version update, I have already done a research and found that the upgrade of the product is just a name change, and it is not much different from the old version? I'm here to share the article with you:

"The new version of Ping An Fu 20 is coming! This deficiency has not changed.

Ping An Fu 20 upgraded**? Just look at the comparison with the previous version:

After reading **, it is clear that compared with the old version, it is difficult to see any changes in the protection of Ping An Fu 20, and what is better is to cancel the sales of long-term accident insurance.

But the shortcomings have not been upgraded! For example, the following shortcomings:

1.Incomplete coverage:It is still not possible to provide moderate illness protection, and many products on the market now have moderate illness protection.

2.Low payout:The payout for a mild illness is only 20%, compared to the average of 30%.

3.Poor Cancer Benefit Setup:Ping An Fook 20 suffered from cancer for the first time, and only after 5 years could he get cancer protection again; If you suffer from a non-cancer critical illness for the first time, the contract will be terminated directly.

The excellent product is the first cancer and can be repaid after 3 years; If you suffer from a non-cancer critical illness for the first time, you will receive a cancer benefit after 1 year.

4.No waiver:The Insured Waiver of Ping An Fu 20 must be purchased additionally, and the additional words** will also be higher, but now good critical illness insurance will include the Insured Waiver of this benefit.

Based on these contents, the cost performance of Ping An Fu 20 is relatively low, if it is an ordinary family, you can take a look at other popular critical illness insurance.

Anyway, it's unreliable, the investment is large, the premiums are paid for 20 years, and the principal can only be withdrawn after 30 years of surrender, I want to surrender the policy, 1 year 15,000 yuan to refund more than 1,000**are**.

Downstairs is right, the premium paid is too high.

Hello, have you been deceived?

**No, but it's not cost-effective.

Ping An Fu Whole Life is a protection life insurance product that provides death protection, and the policyholder can also add critical illness insurance, accidental injury insurance, accident medical insurance, premium waiver insurance, etc., so that the insured can enjoy more comprehensive protection.

It is understood that the insurance age of Ping An Fu whole life insurance is between 18 and 65 years old, the hesitation period is 10 days, the insurance period is lifelong, the insured can apply for compensation for death, and the insurance beneficiary can get the death insurance benefit.