Ping An universal insurance has been paid for 6 years, and it is not paying, what else can this insu

Universal insurance is a type of insurance product. In addition to providing life protection like traditional life insurance, customers can also directly participate in the investment activities of the funds in the investment account established by the insurance company for the policyholder, and the policy value is linked to the performance of the policyholder's investment account funds operated independently by the insurance company. Most of the premiums are used to purchase investment account units set up by insurance companies, and investment experts are responsible for the transfer of funds in the account and investment decisions, and invest the funds in various investment vehicles.

Yes, most universal insurance plans have flexible payment periods, and you can skip the payment if you don't want to. However, it is important to pay attention to the policy benefits and insurance protection costs and management fees. As you age, it may result in the termination of the policy.

Hello! I am Li Zhiyuan of Ping An, China. We're happy to answer your questions!

If you don't pay the premium after 10 years, 75% of the sum insured will be paid, and if you don't pay the premium after 2 years, 55% will be paid. It is recommended not to pay the fee after 10 years. If you have any questions, you can call my mobile phone:

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You'd better let your ** person help you inquire, if ** person has left no one to serve, you can contact me, I can help you understand, but to be honest, it depends on how many years you have paid, how much is the account worth? Is it enough to deduct the premium for 6 years? If it's not enough, the policy will be invalid!

Hello, if you have not paid for 10 years, you will only pay 75 of the sum insured when you have to pay in the future, and if you have not paid the fee for two years, you will pay 55, so it is recommended not to pay the fee after 10 years.

If you don't pay the premium, it depends on whether the policy is invalid, if it is invalid, there is no protection, if it is not invalid, there is still protection, welcome to consult.

If you have enough money, you will be guaranteed, or it will be invalid.

Check **, the cash value in the account must be deductible enough, otherwise it will be invalid.

If the policy lapses and nothing is covered.

Money is enough to secure, it is best to consult the ** people around you.

If the policy lapses, nothing is covered.

Open a single account to see how much money is in it, how long you can deduct the cost of protection, and how long you can insure it.

Hello! What kind of product are you buying? Generally, the specific responsibilities set out in the clause are applied.

Hope it helps!

There will be protection, universal insurance is actually a universal account, you can deposit the insurance money, dividends, etc. obtained into it to enjoy compound interest and appreciation, and the account interest rate. It is understood that there is no hard and fast rule on the payment period of universal insurance, and it is okay for the policyholder not to pay it after ten years, as long as it is ensured that the initial minimum premium is paid, and then additional insurance can be applied according to their own needs, and the insured can enjoy lifelong protection. However, if the policyholder continues to pay the premiums, the benefits can be enjoyed better.

A universal whole life insurance policy that protects the whole life, and the account value can be compounded on a monthly basis, with critical illness and life insurance protection attached. It is recommended to hold for a long time, at least 15 or 20 years, which can take into account the maximization of protection and benefits, and can be withdrawn in the short term, but the initial cost in the early stage is higher and the benefits are smaller, so it is recommended to hold it for a long time.

Take peace and outwit life as an example:

1. There is a higher initial fee at the beginning of payment, and the initial cost in the first ten years is about 135% of the initial premium;

2. The cost of protection is deducted for life, and the cost of protection is the corresponding insurance premium for death and critical illness, the cost of protection is relatively low when you are young, and the cost will rise with age, so you should reduce the amount of insurance in time when you are old;

3. Deferred payment of premiums, if the premium is deferred in the first ten years of payment, Ping An Company will pay 75% of the insured amount, so the first ten years of payment must be paid on time;

4. Settlement interest rate, the premium paid by universal insurance will enter the investment account after deducting (initial cost + protection cost + management fee), this part of the money Ping An Company guarantees not less than the annual interest rate, the above are not guaranteed, the medium settlement interest rate demonstrated on the plan, the high 6% is for reference only.

There are three ways for universal insurance to fail:

1.The cash value of the universal account is fully collected.

2.No more contributions, wait for the cost of protection to deplete the cash value.

3.Direct surrender.

Any insurance is in accordance with the Contract Law, and the surrender of the policy is equivalent to the termination of the contract, and after the surrender of the policy, the insurer (insurance company) will no longer bear the guarantee liability in the contract.

1. In general, there is no guarantee.

2. After surrendering the policy, the original protection is naturally gone. And if you encounter risks, because there is no insurance protection, all personal and property losses have to be borne by yourself.

3. If you have surrendered the insurance, then you do not have the corresponding protection in the future, so it is recommended to continue to pay to get the protection.

Extended Material: aWill the surrender of Ping An Insurance have an impact on the future?

1. Surrender is a choice that many people will make after purchasing an insurance product, which may be because they are not satisfied with the product, or they may not be able to afford the pressure of payment. So, does the surrender of Ping An Insurance have an impact on the future?

2. After Ping An Insurance is surrendered, it will have no impact on the future. There is no situation where the insurance company will refuse to insure if you cancel the insurance once today and apply for insurance in the future. If you want to surrender the policy, you can go to the surrender policy at any time and directly bring your ID card and insurance policy to the counter of the sales department of Ping An Insurance Company to apply for surrender to the staff.

3. However, you need to pay attention to the fact that you have to bear a certain loss if you surrender the policy. Because the premium paid can only be refunded if the policy is surrendered within the cooling-off period; If you surrender the policy after the cooling-off period, only the cash value will be refunded. Especially in the case of surrender at the initial stage of insurance, because there is basically no cash value, the economic loss is still very large.

4. In addition, after the insurance is surrendered, the original protection will naturally be gone. And if you encounter risks, because there is no insurance protection, all personal and property losses have to be borne by yourself.

b.When is the best time to surrender Ping An Universal Insurance?

1. In fact, there is no best time for Ping An Universal Insurance to surrender, because as long as the policy is surrendered after the policy is effective, there will be losses. If you have to say it, it can only be that during the hesitation period of Ping An Universal Insurance, surrender is the best period for surrender. Because Ping An Universal Insurance has a 10-day or 15-day hesitation period, Ping An Universal Insurance will only take effect after the end of the hesitation period, and Ping An Universal Insurance has not yet taken effect before the end of the hesitation period.

2. Generally speaking, Ping An's universal insurance can enjoy the profit dividends of Ping An's participating insurance products every year, so after the policy takes effect, the cash value of Ping An universal insurance will increase with the increase of the policy year, and the increase amount is more than that of general insurance products. Generally speaking, the policy cash value of an insurance product that has been paid for 25 years will be basically the same as the total premiums paid, and the cash value of the policy will be higher than the total premiums paid after 30 years.

3. However, if you are in a hurry to use money after Ping An Universal Insurance takes effect, you can choose to reduce the insurance or apply for a policy mortgage instead of surrendering the policy, so that the loss can be reduced.

Now that the policy has been surrendered. It starts from the day you apply. There is no guarantee until the money is returned to you. The contract has already ended. There will be no guarantees. Unless you pay for another insurance.

Since you have surrendered the insurance, there will be no protection in the future, the insurance company is making money, not issuing benefits!

Now that you have surrendered the insurance, they will definitely not give you any more protection. How can there be such a good thing in the world, you are afraid that you think too much.

Surrender is a breach of contract, and there is certainly no protection, you can check the terms and conditions on the insurance policy.

If the insurance is surrendered, it means that the contract is terminated, and there is definitely no protection. It's been paid for so many years, why should you surrender the policy?

has been withdrawn, that is, the contract has been terminated, there will definitely be no guarantee, but, if you have a guarantee, you can pay that family photo, I think that's pretty good, and it doesn't cost much, everyone doesn't want to have an accident, just buy a peace.

Why don't you ask clearly when you buy insurance, you should pay for ten years to enjoy long-term protection.

If it has been paid, it should be guaranteed, and it is recommended that you ask the staff for details.

In layman's terms, the so-called surrender is the withdrawal of insurance as the name suggests. Then, the original insurance contract is terminated due to the policyholder's withdrawal from the insurance, that is, the insurance liability specified in the original insurance contract is terminated. It can be seen from this that after the policyholder surrenders the policy, the insurance company will no longer bear the insurance liability contained in the original insurance contract, that is, the answer to this question - there is no protection specified in the original insurance contract later.

As an aside, since it is a surrender, it means that the policyholder has not paid the premium on time to the expiration period agreed in the insurance contract. Then, no matter how long the policyholder has paid the premiums before, as long as the policy is surrendered halfway before the expiration of the insurance contract, it is a unilateral breach of contract by the policyholder, not only after surrendering the policy, but also losing a certain amount of expenses, that is, what is obtained at the time of surrender is the cash value of the policy at that time. This amount is much lower than the amount of premium paid.

The part of the loss is the liquidated damages of the policyholder.

If this policy is surrendered, it is estimated that there will be no guarantee.

If the policy has been surrendered, there will be no more.

Friends, just consult this insurance company directly.

This is definitely not guaranteed, you have already surrendered the policy.

I don't know what the duration is, but if you do, you should be covered!

Hello! Ping An Universal Insurance, which has been paid for 10 years, has now been surrendered, is there any protection in the future?

Hello, after the surrender of the policy, there will be no Ping An universal insurance, and all the insurance will be withdrawn after 10 years, which is equivalent to surrender and cannot take effect. Generally speaking, the money in the universal insurance universal account can be withdrawn at any time, but not all of it, and there will actually be an agreement in the insurance contract that after taking out a part of the money, the money in the universal account cannot be lower than a certain value, and if it is taken out in full, it is equivalent to surrendering the insurance and the protection is invalid. Only after the expiration of universal insurance coverage can you withdraw all the money in it at once.

It should be noted that although the money in the universal insurance universal account can be withdrawn at any time, if it is withdrawn in the first five years, the policyholder still needs to pay a handling fee, which is generally a 5% handling fee for the first year, a 4% handling fee for the second year, a 3% handling fee for the third year, a 2% handling fee for the fourth year, and a 1% handling fee for the fifth year.

Summary. There are two types of surrender of Ping An Service Insurance, one is surrender during the hesitation period. The hesitation period refers to the calculation of the receipt of the insurance receipt, within 15 days, if the policy is surrendered during this period, then Ping An Insurance Company will refund all the premiums to everyone, but it has been paid for 6 years, and if you want to surrender the policy, it belongs to the second situation, that is, the normal period of surrender.

In this case, Ping An Insurance Company will only refund the cash value of the policy. How much is the cash value of the policy, you can check the policy in the contract, the cash value table has a clear provision for the cash value, if you still don't know how much, you can call the customer service of Ping An Insurance** for surrender consultation.

Hello, I am inquiring for you here, please wait a while, I will reply to you immediately

Dear, good boss, Ping An universal insurance can be refunded 40,000 yuan after 6 years, which is generally 20% of the premium paid. Unless you have evidence of the illegal operation of the salesman or insurance company when applying for insurance at that time, such as signing on your behalf or the content of the contract is not clear, and the content of the contract is inconsistent with what they said. This will help you get a full refund of your premium.

There are two types of surrender of Ping An Service Insurance, one is surrender during the hesitation period. The hesitation period refers to the calculation of the receipt of the insurance receipt, within 15 days, if the policy is surrendered during this period, then Ping An Insurance Company will refund all the premiums to everyone, but it has been paid for 6 years, and if you want to surrender the policy, it belongs to the second situation, that is, the normal period of surrender. In this case, Ping An Insurance Company will only refund the cash value of the policy.

How much is the cash value of the policy, you can check the policy in the contract, the cash value table has a clear provision for the cash value, if you still don't know how much, you can call the customer service of Ping An Insurance** for surrender consultation.

Extended information: 1. Surrender during the hesitation period: If you can decide to surrender the insurance as soon as possible after purchasing the insurance product, that is, surrender the policy within the cooling-off period, you can achieve full surrender at this time.

2. Sales misleading: If it is said that when signing the insurance contract, because the salesman does not operate in a standardized manner, so he does not have his signature, then it is also possible to surrender the insurance in full, if there is fraud in the sales process, then as long as the evidence can be provided, it can also be surrendered in full. In addition to these two cases, basically the surrender of the policy can only bear the corresponding economic losses and losses without insurance protection.

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