Taiping Life Insurance Pacific Life Insurance Pacific

Your questions are messy, and they are not too clear, and some of them are insufficient. I can only guess first. You can ask more questions.

First of all, the payment period of this type of insurance is 10 years, but the insurance period is 15 years, which is a big difference between insurance and deposit. It's not that you pay the premium for 10 years, and after 10 years, you will take it out with interest, that's not how you understand it. It will expire after 15 years, and if you surrender the policy halfway, only the cash value will be refunded, which is a loss.

That means you have to wait 15 years.

Let's talk about dividends. First of all, the bonus is uncertain, and you must be aware of this. The insurance period of this insurance is 15 years, what is the dividend level in each of these 15 years, no one can **, based on the number on the annual dividend notice.

It is entirely possible that the dividends will be different from year to year in 15 years, and it will not be possible. You have to know this. So if you ask how much the dividend is, I don't know how much it is, but how much is written on the dividend notice every year, it is how much.

This product is in the form of a sum assured dividend. Sum Assured Bonus products generally have two concepts: Sum Insured and Basic Sum Assured. Let me tell you that the annual return of 500, because the dividend of the insured amount dividend product is not given to the policyholder in the form of cash, so this 500 should not be a bonus, but a survival fund.

The survival benefit is 10% of the basic sum assured, so if you do so, your basic sum insured should only be 5,000. You can check your original policy, the basic sum assured is listed on the digital policy, you can see if it is 5000.

Finally, let's talk about the extra one. This should be explained to you in conjunction with what I explained to you earlier. As I mentioned earlier, the annual dividends of the Sum Assured Dividend will not be paid to the policyholder in the form of cash.

So how are the dividends reflected? It is reflected in the increase in the sum insured. The sum assured of the participating product will increase year by year, and the incremental part is topped up by dividends.

According to this understanding, the dividend of your last policy year should eventually increase your sum insured, that is, your sum insured has changed from the previous 5000, and then return 10% of this figure to you the survival fund, that is.

Based on what you provided, I can only analyze it so far. It's a good idea to add to your policy.

Pay 5,000 annuity annuity and return 500, how many years have you been teaching? The dividends in the back are not the same as mine.

The Red October Festival is very good!

Let me briefly talk about my understanding, I have worked in Taiping Bank Insurance for 3 years, let me understand that it is the dividend of the year!

Why do you say that, because there was a year when Yingsheng B (the predecessor of paragraph C, paragraph C has been returned every year, and paragraph B is returned every 3 years) A year's dividends are yuan! It immediately made me sad! So that's probably a dividend!

As for the dividends of your policy, you can call your local Taiping Life operation to enquire, or call the service on the policy**!

Don't call the salesman's... You know! That's all there is to it!

Because it is an increase in dividends.

Summary. Dear is happy to answer for you, dear. First of all, Taiping Life's Yingsheng C is a 10-year payment insurance, that is, you need to pay 10,000 yuan per year for 10 years, a total of 100,000 yuan, which can be guaranteed for 15 years.

Secondly, the hesitation period of the insurance is only 10 days, and the hesitation period can be surrendered in full. The bank asks you to wait 10 working days, which is very disgusting, and by the time you get the contract, the cooling-off period has already passed. The essence of this product is that you are making a fixed deposit at an annual interest rate of 2%-3% per annum, which is very attractive in the current era of low interest rates.

Its protective function is also commendable, especially the bus accident death insurance, which pays 3 times (the basic sum insured and the number of years of payment) compensation, and the basic sum insured is the amount paid each year. The highest, that is, more than 300,000 can be paid after ten years. The link in the reference material is a master's analysis of the essence of this product.

Overall, this product is very good, but the bank didn't make things clear to you. As for whether you want to buy it or not, it depends on your own considerations.

Pacific Life Insurance Yingsheng C

Hello. I bought it in January 2009, and I paid 10 guarantees for 15 years, 5,000 yuan per year, and how much money can I get when it expires next year.

Dear is happy to answer for you, dear. First of all, Taiping Life's Yingsheng C is a 10-year payment insurance, that is, you need to pay 10,000 yuan per year for 10 years, a total of 100,000 yuan, which can be guaranteed for 15 years. Secondly, the hesitation period of the insurance is only 10 days, and the hesitation period can be surrendered in full.

The bank asks you to wait 10 working days, which is very disgusting, and by the time you get the contract, the cooling-off period has already passed. The essence of this product is that you are making a fixed deposit at an annual interest rate of 2%-3% per annum, which is very attractive in the current era of low interest rates. Its protective function is also commendable, especially the bus accident death insurance, which pays 3 times (the basic sum insured and the number of years of payment) compensation, and the basic sum insured is the amount paid each year.

The highest, that is, more than 300,000 can be paid after ten years. The link in the reference material is a master's analysis of the essence of this product. Overall, this product is very good, but the bank didn't make things clear to you.

As for whether you want to buy it or not, it depends on your own considerations.

In the 15th year, you can receive about 3,000 5,000 yuan.

That is to say, the interest for 15 years is about 5,000.

Insurance Benefits of Taiping Life Insurance Yingsheng C:

1. Annual survival fund;

2. Maturity survival fund;

3. Death benefit;

4. Accidental death insurance for public transportation.

Additional Insurance: Taiping Additional Health Critical Illness Insurance 2007

Case Demonstration: Ms. Wang, 40 years old, purchased 10 Taiping Yingsheng Insurance Paragraph C, paid an annual premium of 10,000 yuan, and only paid for 10 years, she can enjoy 15 years of stable income and high protection. 1. Fixed return:

10% per year ($10,000 + accumulated annual dividends) for a total of 15 years; 2. Maturity income: receive a one-time maturity survival fund of 100,000 yuan, and enjoy the double dividend income of 10 times the accumulated annual dividend + final dividend; 3. If Ms. Wang dies due to illness, the death insurance benefit paid by the insurance company = (10,000 yuan + accumulated annual dividend) the number of years of payment in which she died + final dividend; 4. If Ms. Wang dies due to a public transportation accident, the death benefit paid by the insurance company = 3 (10,000 yuan + accumulated annual dividend) the number of years of payment in which she died + final dividend.

5.Taiping Yingsheng C is a product sold by Taiping Life Insurance in bancassurance in 2009. The premium paid will be refunded at maturity.

There are four payment periods: 20 years, 15 years, 10 years and 5 years. In addition, the benefits include sickness or general accidental death benefit, triple public transport accidental death benefit, and the longer the payment period, the higher the protection; There is also a special additional hospital insurance product to enjoy more health protection.

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

This is called altruistic insurance.

If you are a person in the core economic circle of your family, you should buy it, and you can continue your responsibilities, in fact, there will be other options.

Such as: self-interested, altruistic.

Critical illness imitation of false tung Accidental medical treatment Hospitalization medical treatment Survival return Maturity return Annual dividends Death benefit.

China Life Ruixin's dual-dividend plan is an option.

I did a detailed investigation of this insurance and found that this insurance is really tricky. I persuaded my mother to return this insurance in the past few days, and I lost nearly 10,000 yuan, but I think the loss is more serious if I don't refund it. I went to print the calculus of dividends, there are three grades, high-end dividends, mid-range dividends and low-grade dividends, corresponding to the quality of the company's operation, of which the high-end is more than 17,000 (10,000 a year, 10 years of savings and 15 years), the mid-range is more than 15,000, and the low-end is more than 13,000.

If this money is deposited in the bank, the first 10,000 can be saved for 15 years, and the second 10,000 can be saved for 14 years ,..The 10th 10,000 can be saved for 5 years, and the 15th calculated in this way can get about 15,000, which is about the same as its mid-range dividends, and much better than the current dividends. The most important thing is that the money you deposit in the bank can definitely be regarded as living money compared to this insurance, after all, the bank will not lose the principal if it is not due, and you will deposit it in many installments, and this period will not affect all of it.

If the use value of living money and insurance dead money is concretized, if you can get about 180 million after 15 years of this insurance, I think it is the same as the bank (mathematical calculation). It can be seen that this insurance is really too tricky, the only thing that is a little consoling is that he has life insurance, which is only useful when you die, but the loss of money is pitiful! In view of all this, I think you can consider surrendering the insurance, of course, you must take into account the number of years you have bought it, and if you want to take this insurance to get a mortgage in the future, you can also consider not returning.

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