Taiping Life Ruyi No. 2 Insurance related questions, please help answer your friends, thank you

1.You belong to a type of bancassurance, and the dividends of insurance are uncertain. But Taiping Life's investment income is worth looking forward to.

Still, five years is not a long time at all, and insurance makes money on time because they are compounded. The snowball has just rolled out of shape, and you have to take it, how much more?

2.The principal can indeed be obtained, and the advantage of insurance is that the capital is absolutely guaranteed, but if you want to save, you go to the bank, and if you want to buy insurance, you can go to the insurance company, find a professional ** person, and help you design the right type of insurance. You can also enjoy first-class service.

Bancassurance is basically unattended after it is sold, so although the insurance is the safest, you will still feel deceived.

3。The annual dividend refers to the annual dividend, and the final dividend is the dividend of the year in which you mature or surrender the policy, and there is no conflict between the two.

4. I only know that Taiping Life Insurance is indeed a national networked company, one-stop operation, non-stop service, and national general compensation, but the bancassurance is not very clear, if the bank financial manager did not lie to you, that is.

a.If you pay a premium (100,000 yuan or other amounts), if it is in the bank, the fixed deposit is 5 years, and now the 5-year fixed deposit interest rate is, and the sum of principal and interest of 100,000 yuan is: 127,500 yuan, excluding 5% personal income tax, the remaining 126125 yuan; In the future, the personal income tax will be adjusted to 3%, and 126675 yuan can be returned.

However, it is not certain how much insurance dividends can be recovered, because the income of the insurance company is unknown, and the annual dividend ratio is unknown. But insurance is different from bank deposits, which don't protect you, while insurance does.

b.After expiration, you can provide your bank, as well as insurance policy, ID card and other information, and the insurance company will transfer it to your account.

c.If you have already bound a bank card, you can. The state will not allow the insurance company to fail, and the principal is fixed; It is not known how much the bonus will be, but how much it should give you.

d.After five years, you can get the principal according to the contract, you keep the contract and ensure that the name and ID number on the contract are correct. If there is a change in address or means of communication in the later period, the insurance company shall be notified in writing.

e.This product does have an annual bonus and a final bonus, and there is an annual bonus every year, but it will be accumulated to the end, and the final bonus will be paid to you together.

There are three benefits from this product.

1, is a fixed income, for example, if you invest 10,000 yuan, then your income after 5 years is 10,600 yuan.

2. Annual dividends, this is compound interest dividends (increased dividends), that is, rolling profits, and the dividends every year will be higher than the previous year.

3. The final dividend is the dividend after the termination of the contract.

Taiping Life Insurance is one of the four major state-owned insurance companies, and the returns are very good, so when you understand the product, you should understand Taiping's investment channels.

If you want to change your account, please contact your wealth manager at the time of purchase with the bank and fill in the change form. If you have any other questions, you can call China Taiping's customer service**: 95589.

First, to buy insurance, you have to go to the insurance company to find someone to buy it, and the bank is just a business of saving money. It's like buying noodles at a briquette shop.

Second, the online will not be responsible for the authenticity of these promise questions you ask online, and other people's words will not play a big role because you are buying the insurance product.

Third, I wish you success in your work, a prosperous career, a healthy life, and a happy family.

How much will you generally earn when it expires, as long as you don't surrender the policy halfway. But you have to think about whether the money will affect your overall planning in case something happens along the way. When signing a policy, read the terms of the insurance policy clearly and do not believe in the verbal promise.

Taiping Auspicious Ruyi Insurance 2007 can be refunded at maturity This is an additional insurance, and its insurance contract is part of the main insurance contract, so this insurance needs to be insured together with its main insurance "Taiping Auspicious Ruyi Insurance 2007 Edition". The main insurance is a comprehensive insurance with the maturity benefit liability, and because of this, the premium can be refunded after the maturity of the insurance. As long as the insured is still alive at the end of the insurance period, the insurance company can refund the premiums paid by the policyholder without interest.

It should be noted that only the amount of the premium paid will be refunded at the end of the insurance period, not a multiple of the premium paid, which is not very friendly to the policyholder. During the insurance period, the insured can be provided with cancer diagnosis, cancer hospitalization allowance, cancer medical treatment and other benefits, and if there is no insured accident claim during the insurance period, and the insurance will survive at the end of the insurance period, the premium paid can be refunded. Double protection, more peace of mind.

Due to the function of returning the sedan car blind potato fee, the premium may be a bit high when applying for insurance, and this insurance is not very suitable for people with lower incomes.

I personally bought a dividend life insurance when I was 07, and the investment environment was good that year, and the annual dividend reached 400 per 10,000. In 08, due to the financial crisis, the dividend of 10,000 yuan was distributed to less than 60 yuan. Cups!

Let's talk about dividends. Dividends are uncertain. Maybe the salesman brags about his previous performance in front of you, but that doesn't mean anything.

Press. According to the relevant regulations, dividends are related to the operating performance of the insurance company, and a certain proportion of the performance of each fiscal year is distributed, and the operating performance is uncertain, so the dividend is uncertain and cannot be calculated now. If you buy this insurance, the income you can get is the sum insured and dividends, the sum insured and the dividends (it may be less than the bank's interest plus principal in the same period, or what should the bank do?).

Because dividends are uncertain, there is no comparison of how much you can get. But we can't make a direct comparison, because after all, we are buying insurance, we are selling things, and we are buying a guarantee.

Also, buying insurance is not a deposit, and you will lose a lot if you surrender the insurance halfway, so please decide everything carefully according to your financial situation.

Dividends from all insurance companies are indefinite.

China Taiping invests in China's infrastructure, with high profitability and stability!

Hello friends, Taiping Ruyi No. 3, is a short-term dividend insurance, you can learn more about the products of several companies, as the old saying goes, shop around, it is recommended that you compare more, understand more, you can refer to my case, thank you for your reference: auspicious Ruyi C 15-year dividend, 5 years old auspicious Ruyi expiration dividend type (15 years old, 15

Summary. The second insurance product of Taiping Life Insurance **** is Taiping Wealth Growth No. 2 Mutual Insurance (Participating Type). Taiping Wealth Growth No. 2 Insurance (Participating) and Terms Product Type:

Main insurance company: Taiping Life Insurance****Payment method: Ten years to pay, insurance type:

Participating insurance policy: 0-60 years old.

The second insurance product of Taiping Life Insurance **** is Taiping Wealth Growth No. 2 Mutual Insurance (Participating Type). Taiping Wealth Growth No. 2 Songcong Insurance (Participating) and Terms Product Type: Main Insurance Company:

Taiping Life Insurance **** Payer Nuclear Sakura Chinese Style: Ten years to pay, the type of insurance has been changed: Participating insurance insurance age:

0-60 years old.

It is reported that the "Taiping Chuanshi No. 2 Insurance Product Plan" is the second product plan customized by Taiping Life Insurance for the "Taiping 1929 Family Office", and the most prominent advantage of its product design is that it will have in-depth insight into the characteristics of China's middle and high-net-worth individuals.

China Taiping Life Insurance dividends include Taiping Wealth Growth No. 1 Insurance, Jinyue Life Insurance, Wealth Regular Investment Insurance, and so on.

Participating insurance originates from the fixed interest rate of the policy, and the risk of changes in market returns for a long time in the future is shared between the policyholder and the insurance company. Participating insurance refers to a life insurance product in which the insurance company distributes a certain proportion of its actual operating results to policyholders compared to the surplus of the pricing assumption.

How to choose Taiping Life Participating Insurance:

Choose a strong company.

Unlike the fixed value payment of traditional life insurance, the benefits of participating insurance are variable. The annual dividends paid by the company to customers are not fixed, but fluctuate with the actual operating performance of the insurance company. The amount of dividends that customers will receive in the future depends on the strength of the insurance company's business operation ability.

Therefore, when choosing to buy, customers should choose a strong insurance company on the basis of carefully understanding the insurance liability and cost level of the product itself. First, it depends on the strength of the insurance company. Powerful insurance companies often have certain advantages in terms of resources and can provide better services to customers; Second, it is necessary to look at the operation and management level of the insurance company, including the investment performance and brand image of the insurance company.

Don't blindly follow the trend and buy.

Many consumers rush to apply for participating insurance as soon as they hear that there is a high return when they apply for insurance, which is irrational insurance behavior. Nowadays, most residents in China are still in the current situation of lack of protection insurance products. When choosing an insurance product, you should first put protection first, and consider the participating product only when the health and medical protection is sufficient, otherwise the customer will lose more than the loss if the customer's income decreases due to health reasons or unexpected risks, and the ability to pay the renewal premium of the participating insurance product is difficult.

Therefore, the policyholder should choose to purchase participating insurance on the basis of adequate protection, and must not purchase insurance for the pursuit of dividends.

Know what you need.

When purchasing participating insurance, the public should correctly analyze their personal insurance needs and fully consider their personal risk tolerance. Buying participating insurance is more suitable for people with stable incomes, and for families with stable income** and no plans for large expenses in the short term, buying participating insurance is a more reasonable way to manage their finances. Families with unstable income, or those who are expected to have large expenses in the short term should carefully choose participating products, as the ability of participating insurance to cash out potatoes is relatively poor, and if you want to surrender the policy and withdraw it to meet unexpected needs, it may be difficult to even protect the principal.

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

Protective life insurance.

Taiping True Love Additional Term Life Insurance.

Taiping I Whole Life Insurance.

Taiping True Love Additional Waiver Term Life Insurance.

Elite Life Integrated Protection Plan.

Health insurance. Taiping True Love Health Insurance 2007

Taiping True Love Term Critical Illness Insurance 2007

Taiping Additional Sunshine Angel Children's Critical Illness Insurance 2007

Taiping Excellence Medical Insurance.

Taiping Fukang Critical Illness Medical Insurance Plan.

Taiping Plus True Love Advance Critical Illness Insurance 2009

Accident insurance. Accident Insurance.

Taiping Accident Insurance.

Taiping True Love Additional Accident Insurance.

Taiping True Love Additional Accident Injury Medical Insurance.

Taiping Comprehensive Accident Benefit Series.

Taiping Anxin self-service insurance card type A.

Children's insurance. Taiping Splendid Future Children's Insurance (Participating), 2006 Taiping Champion Additional Junior High School Education Annuity Insurance (Participating), 2006 Taiping Champion Additional High School Education Annuity Insurance (Participating), 2006 Taiping Champion Additional University Education Annuity Insurance (Participating), 2006 >Taiping Fukang Little Master Health Insurance Plan.

Participating insurance. Taiping Whole Life Insurance (Participating) 2006 Taiping Fengdeng Insurance (Participating) 2006

Taiping Shoubi Nanshan Pension Insurance (Participating) 2006 Taiping Yinuo Qianjin Whole Life Insurance (Participating).

Taiping Cheng coarse this long annuity insurance (participating type).

Taiping Sunshine Angel Children's Insurance (Participating) 2007 Taiping Fushou Lianlian Insurance (Participating).

Taiping Fulu Double to Whole Life Insurance (Participating) 2009

Taiping Fuxiang Whole Life Insurance (Participating).

Investment-based insurance.

Taiping Outsmart Investment-Linked Insurance 2007

Expand the stool to read: [Insurance] How to buy stupid, which is good, teach you to avoid these insurance"pits"

1. List of types of Taiping Life Insurance.

2. Taiping Fu Lu Double to Whole Life Critical Illness Health Insurance Plan 2009 [Taiping Life].

3. Taiping Fushou Lianlian Insurance (Participating Type) [Taiping Life].

4. Taiping Jinyue Life Insurance (Dividend) [Taiping Life].

5. Taiping Yingsheng Insurance Section C (Dividend) [Taiping Life].

6. Taiping Wealth Growth No. 1 Insurance (Participating) [Taiping Life].

7. Taiping Yingsheng Insurance Section B (Dividend) [Taiping Life].

8. Taiping Wealth Regular Investment Insurance (Dividend) [Taiping Life].

9. Taiping Sunshine Angel Children's Insurance (Participating) 2007 [Taiping Life].

10. A Promise Thousand Gold Growth Pension Plan [Taiping Life].

11. Taiping Xiyingfeng Insurance Section B (Dividend) [Taiping Life].

12. Taiping Splendid Future Children's Insurance (Dividend) 2006 [Taiping Life].

13. Fulu Double to Critical Illness Early Payment (2007) [Taiping Life].

14. Taiping True Love Health Insurance 2007 [Taiping Life].

15. Taiwang Rent Ping Excellent Medical Insurance [Taiping Life].

16. Taiping Cai Jingling Yinfu Growth No. 3 Liangquan Insurance (Dividend) [Taiping Life].

17. Taiping Ruyi No. 2 Insurance (Dividend) [Taiping Life].

18. Taiping Profit Insurance 2007 (Universal) [Taiping Life].

19. Taiping Zhisheng Eggplant Investment-Linked Insurance 2007 [Taiping Life].

20. Taiping Wealth Growth No. 2 Insurance (Dividend) [Taiping Life].

21. Taiping Kang Yi Jinsheng Additional Critical Illness Insurance [Taiping Life].

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