Ping An Jinrui pays 150,000 yuan a year in his life, how much can he return after two years?

About 30%-50%, after two years of payment, you should be able to get back about half of the surrender, and it is recommended not to return it if you buy it. The terms of the insurance contract should have been reviewed, only for individuals and families whether they are suitable or not, there is no loss or loss, just need.

Under normal circumstances, the shorter the insurance period is paid, the lower the cash value, and the longer the insurance period paid, the higher the cash value will be obtained. Some people have a premium of more than 10,000 yuan a year and have paid it for two years, but when they return the cash value, they find that they can only return a few hundred yuan, and they have suffered so many losses inexplicably. This is a very normal phenomenon, after all, if you want to refund the money, you have to deduct the commission fee, production cost, service fee and so on from the premium we paid to the salesman.

If the insured breaks the contract first, the insurance company will not be able to bear the loss instead. It can also be seen from this that we must think carefully when buying insurance. For example, who you want to buy insurance for, or what type of insurance you want to buy, don't blindly listen to the insurance salesman, because some unscrupulous insurance salesmen may sell some insurance that is more beneficial to them, and they don't care about your real needs, so you still have to think about it.

Extended information: 1. How much Ping An Jinrui Life can give back when surrendering the policy is related to factors such as the surrender time, payment period, and regular premium, if it is in the policy hesitation period.

If the policy is surrendered, the insurance company will refund the entire premium, deducting the cost of production of up to 10 yuan; If the cooling-off period has passed, it will be refunded based on the cash value of the policy at the time of surrender. In general, a page of the insured cash value is attached to the insurance contract.

The table shows the cash value corresponding to the different policy years.

Second, don't return if you deposit, continue to deposit, at present, there are three places where domestic wealth is safe, and bank deposits of less than 500,000 yuan.

The second is the treasury bonds, and the third is the financial annuity insurance of the insurance company.

Finish. Jinrui Life is a financial annuity insurance. Security, Warren Buffett.

The first of the wise sayings is to keep the principal, the second is to keep the principal, and the third is to remember the first 2. Forced savings to prevent indiscriminate spending. Steady appreciation, higher than the bank's annual interest rate plus the power of compound interest.

In the future, children's education or pension, etc., not to mention the money that exists in peace, can also be used flexibly in the future.

Depending on the type of insurance, the amount of premium we can refund is also different, basically most people can only refund the cash value of the policy, and the cash value of the policy can be calculated according to the calculation formula attached to the insurance contractCount。Many people are confused when they buy insurance, they have paid for two years, and they don't know what insurance they are buying, and they don't know what they are insuring.

Perhaps because of this, many people finally reacted after two years, thinking that this insurance was of no use to them, so they wanted to surrender the policy, but they did not know how much they could get back. What we refund at this time is called the cash value of the policy, and the cash value of the policy is the sum of the premiums paid, after deducting the relevant fees, the final amount we get. This is why many people paid more than 10,000 yuan, but only returned a few thousand yuan.

The shorter the payment time, the less the premium will be refunded, and the longer the payment time, the longer the premium will be returned. Moreover, the premium has been paid for two years, and the hesitation period of the policy has long passed, and it is basically impossible to get a full refund, unless you can prove that the salesman cheated when you bought the insurance, or did not sign it when applying for insurance, etc. Only if it is proven that there is a problem with the policy can the insurance company issue a full refund.

Many people can't even figure out their own insurance contract, let alone leave evidence when applying for insurance, so there is basically no possibility of a refund of the second amount. If you really want to buy insurance, you must first study the types of insurance on the market and choose the insurance you really need. It is indeed necessary to buy insurance, but it is also necessary to protect your own legitimate rights and interests.

After two years, you can get less than 50% back when you surrender the policy, because it is very uneconomical to surrender the policy at this time, and you will lose a lot of money at this time.

You can check the cash value in the signed insurance contract, and then you can calculate it according to your actual situation, and if you surrender the policy, you can get about 20,000 yuan back.

It is estimated that they can return about 12,000, and they will also deduct part of it, and they can't return all the money.

After two years, you can pay back 10,000 yuan, because the interest rate of this insurance is very high, and this insurance is also very good, which will bring you huge benefits in the future.

It may only be a small amount of money refunded because the one-year guarantee is for one year, and they will also have certain service fees and other fees.

Unreliable.

1.The so-called annuity insurance is essentially to invest a sum of money in the hands of the insurance company, and the longer it is put in, the more income it will be. Ping An's annuity insurance basically pays premiums every month, and it takes 10 or even 20 years to pay back, and the money will start to be returned in the fifth year.

The dividend distribution of the policy is based on the operating situation of the insurance company, and the data is not publicly available, that is, the amount of income markup is uncertain. The premium is more than 10,000 or even more than 100,000 yuan, which is chosen by the policyholder, and its scope includes the policyholder's death insurance benefit, survival insurance benefit, accumulated survival insurance benefit, and policy cash value.

2.Is it reliable to return money in 5 years of Ping An Annuity Insurance?

1) Ping An annuity insurance currently has two kinds of wealth Jinrui and Jinrui life, the so-called 5th year to start to return money, but generally the first year to pay 60% of the premium, not as high as the principal plus interest. 30% of the basic sum assured will be refunded in the 7th to 9th years, and the basic sum assured will be refunded in a lump sum in the 10th year. Pay attention to the distinction between premium and sum insured.

2) The unreliable part lies in the terms of the contract, first, although there are annuity dividends, but there is no exact number of dividends, it depends on the income, of course, there is no simple investment return high. And there is a sense of forced savings, you can't take it before you return the money, and if you want to withdraw the money urgently, you will be treated as a surrender and the cash value of the policy will be refunded, which is not cost-effective.

3.Advantages and disadvantages of Ping An Annuity Insurance.

1) Advantages: The advantage of annuity insurance is that it can be received every year, and the policyholder can either leave the money in a specific account to generate interest, or receive it every year. And there are various choices, and you can freely choose the annuity payment period and annuity payment method.

And set up the love fund, for the annuity insurance with the dividend function, you can get a certain income.

2) Disadvantages: The premium is expensive, not suitable for ordinary customers to insure, and it is necessary to insure for a long time to see obvious benefits. In addition, as an insurance product, the protection function is very important, and Ping An annuity insurance only protects death, which is obviously not enough.

This kind of financial insurance alone cannot protect against any medical risks.

4.Generally speaking, it is not very cost-effective to invest in this kind of annuity insurance, and it is not very reliable.

Extended information: Ping An annuity products are formal and reliable, but whether they are suitable for their own purchase depends on the universal account interest rate and Ping An Insurance Company itself.

1) Ping An Insurance itself: If the company has strong solvency and stable operation, then the interest rate on the universal account will be better, Ping An Life relies on comprehensive finance, and through deep integration with Ping An Bank, Ping An Puhui, Ping An Lufax, etc., the annual net profit and premium income are relatively stable, which shows that Ping An annuity products are reliable;

2) From the perspective of the interest rate of the universal account: the annuity itself has clear interests, but the universal account can be added twice, that is, the survival fund, special survival fund, and maturity fund of the annuity are not received, and they are put into Ping An Ju Caibao, and the annualized interest rate of Ping An Ju Cai Bao has been stable at 5% for nearly a year.

Taking Ping An Yuxiang Jinrui Annuity as an example, if a 30-year-old adult male pays for 3 years and saves 100,000 yuan per year, the main insurance protection period is 8 years, and the basic insurance amount is 10,000 yuan.

1. Main insurance rights:

1) Survival fund: adult male 35-37 years old: that is, the policy is 5-7 years, and a special survival fund of 60,000 yuan can be received every year, with a total of 180,000 yuan.

The clauses written into the contract in black and white have legal effect, are sure to be reliable, and it is useless to question the reliability of Ping An Annuity Insurance for 5 years;

2) Maturity payment: An adult male who is 38 years old will receive 100% of the basic sum assured on the 8th policy year and a one-time survival benefit of 10,000 basic sum assured.

Question: Is it true that Fuying Jinsheng is?

Ask Ping An Insurance.

Ping An Insurance Company.

Question: Can I still receive an annuity if I withdraw the principal?

It is from Ping An Insurance Company.

Yes question. I first bought three insurances to pay 16,000 per year Today, the account manager said that from these three insurances, more than 1,700 per month will be transferred to the Fuying Gold Life Policy, no need to pay cash, and no need to pay in the future, and the annuity will be received for 25 years in the fifth year, and the first six years will receive more than 14,000, and the last 19 years will receive 3,060. Isn't it a routine?

I first bought three insurances to pay 16,000 per year Today, the account manager said that from these three insurances, more than 1,700 per month will be transferred to the Fuying Gold Life Policy, no need to pay cash, and no need to pay in the future, and the annuity will be received for 25 years in the fifth year, and the first six years will receive more than 14,000, and the last 19 years will receive 3,060. Isn't it a routine?

Because specifically, you need to look at the specific provisions in your contract to know whether it is fake, because this product, it must be performed according to the provisions of the contract.

Ask if you can help you take a look.

It is reliable, and after the expiration date, you can go to the place where you can handle it and ask where to get the money.

Insurance and deposits are not the same, the interest on deposits is written, how much money can be calculated when the time comes, and the income of insurance is floating, although the possibility of loss is very small, but it is not nothing, and the income is also uncertain, you can go to the bank for insurance to withdraw, or to the insurance company to withdraw.

1. You can deposit a fixed deposit most reliably, and the interest rate of one-year lump sum deposit is;

2. There are insurance personnel stationed at the bank counter, which does not comply with relevant national regulations; It is recommended that you surrender the policy;

3. The interest rate of insurance cannot be higher than that of the bank;

Extended Materials. How to save so that the interest can be higher?

1. Fixed deposits.

The interest rate of fixed deposits of each bank is as follows; One-year interest rate, two-year interest rate, three-five-year interest rate, some commercial banks, joint-stock banks interest rate is relatively high, 5-year interest rate can reach, time deposit threshold is low, as long as 50 yuan, low risk, the principal is guaranteed. According to the annual interest rate, the estimated interest income of 60,000 yuan for 5 years is 9,600 yuan, with an average of 1,920 yuan per year.

Clause. 2. Private smart deposits.

Smart deposit is a product issued by commercial banks, through cooperation with the Internet financial platform, to achieve the demand for savings, the minimum deposit threshold is 50 yuan, which is much higher than the ordinary deposit interest rate, and the one-year interest rate can reach up to 5%, such as the smart deposit deposit on the xx platform, the one-year deposit interest rate can be up to, low risk, and the principal and interest are guaranteed. If you deposit into the product with an annual interest rate, the estimated income after the maturity of 60,000 yuan is 2,700 yuan * 5 years, and the total income of 5 years is 13,500 yuan.

Time deposit. Start-up process.

1.Open a Time Deposit Account over the counter;

2.Apply for Bank of China Personal Internet Banking Edition or VIP Edition at the counter;

3.Link your Time Deposit Account to Internet Banking;

4.If you want to renew your savings or education savings on online banking, you need to open a lump sum deposit or education savings account over the counter and link it with online banking, and agree with the bank on the monthly deposit amount and deposit period before you can renew your savings on online banking.

5.If you wish to conduct principal and interest deposit and interest withdrawal business in online banking, you need to open a principal deposit and interest withdrawal business account (current savings) over the counter before you can withdraw interest in online banking.

Lump sum deposit: The principal is deposited at one time, and the principal and interest are withdrawn at maturity.

Fixed life two pence: the principal is deposited at one time, and the deposit period is not specified, and the principal and interest can only be withdrawn at one time, and cannot be partially withdrawn.

Deposit principal and interest: deposit the principal at one time, withdraw the interest in installments, and withdraw the principal at maturity.

Ping An annuity insurance currently has two kinds of wealth Jinrui and Jinrui life, and the survival fund that starts to return in 5 years is available, with an annual premium of 50,000 yuan and a 3-year period as an example to show you.

60% of the annual premium will be refunded in the first year, 30% of the basic sum assured will be refunded in 7-9 years, and the basic sum assured will be refunded in a lump sum in the 10th year.

The insurance policies implemented vary from region to region, and there are also 20,000 5-year areas.

For the specific amount to receive after 15 years, please refer to your own plan for details.