In January, I took the China Life Xinfu Linmen Annuity Insurance, and I want to refund, how much can

If you only pay a year's premium, you can only withdraw a small amount of cash value, a few hundred dollars.

Please think carefully. Satisfied.

It can be refunded, but the surrender time determines the surrender amount. If the policy is surrendered during the cooling-off period, there is no loss, and only the cost of production is 10 yuan, and if the policy is surrendered after the cooling-off period, only the cash value can be refunded.

The cash value is generally lower than the principal, according to the cash value table of this insurance, the principal can be recovered in the 10th year of 10 years, and the cash value is still relatively high.

Extended information] Xinfu Linmen is a Chinese life.

An annuity product that guarantees 15 years, the following will be introduced in detail in the vernacular from the insurance rules, case analysis and product shortcomings, and it is clear whether it is worth buying.

1. Insurance Rules.

How to pay (payment method): 10 years.

How long is the warranty (the duration of coverage): 15 years.

How to receive an annuity: After 5 years of payment, you will start to receive a cover.

If you start paying the premium at the age of 30, then 100% of the annual premium will be paid at the age of 35-39

Age 40-44 years old receive 50% of the annual premium paid every year

At the age of 45, he receives a lump sum payment.

2. Case analysis.

Although this product is designed.

It is 10 years of payment, and in fact, it is paid according to 5 years, because after the 5th year, you will start to receive money, and the money you receive is the same as the money you pay.

Low income: a total of 100,000 yuan, a total of 110,501, 100,000 yuan.

In 15 years, the total income is only 10,000 yuan.

According to calculations, the IRR (internal rate of return) of Chinese Shouxin Fu Linmen Annuity Insurance.

It is less than 2%, while the bank 3-year deposit rate is.

However, the interest on bank deposits is not necessarily guaranteed to be withdrawn after three years, which is also a disadvantage of bank deposits.

Therefore, it is recommended to choose a product with a higher yield of about 4% in the market, and you can lock in a fixed interest rate of 4% for 15 years or for life.

2.The attached-universal account yields are similarly low.

To buy this Chinese Shouxin Fu Linmen Annuity, you can attach three universal accounts (choose one of the three) to enjoy the floating interest rate.

However, the guaranteed income of the three universal accounts is only, which is relatively weak compared to the 3% guaranteed interest rate in the market.

Summary. Hello dear! Yes, China Life Xinfu Linmen annuity insurance can be taken out after 15 years, China Life Xinfu Linmen annuity insurance belongs to the insurance products that pay ten years for fifteen years, from the fifth year to the tenth year, the premium can be returned every year, from the eleventh year, to the expiration period, 50% of the premium can be returned every year, and after the expiration, the basic sum insured can also be returned, at that time, that is, after 15 years, the insured can take out the money returned.

In addition, China Life Xinfu Linmen Annuity Insurance also protects against death, and if the insured dies during the insurance period, the premium can also be paid.

Hello dear! China Life Xinfu Linmen annuity insurance can be taken out after 15 years, China Life Xinfu Linmen annuity insurance belongs to the insurance products that pay ten years of insurance for fifteen years, from the fifth year to the tenth year, the premium can be returned every year, from the eleventh year, to the expiration period, 50% of the premium can be returned every year, and after the expiration, the basic amount of insurance can also be returned, at that time, it is also 15 years later, the insured can take out the money returned. In addition, Guohong Shou Xin Fu Linmen Annuity Insurance also covers the death, and if the insured dies unfortunately during the protection period, the premium can also be compensated.

That is, the premium and the money returned can be taken out, right?

This insurance can be taken back.

If I pay 12,000 yuan a year, 120,000 yuan in ten years, and on the day of my death, except for all the interest, can I pay 240,000 yuan?

No, you can only get the principal back.

When can the principal be returned to the winner annuity of China Life Xinfu can open the insurance contract, and the cash value of the current year and the annuity returned add up to the total premium, which is equivalent to the return of the principal.

Extended information] Product features of China Life Xinfu Winner Annuity:

1) Survival insurance money: return quickly, and return immediately. 10 days after the effective date of the Xinfu Winner insurance contract, that is, after the 10-day cooling-off period, you can receive the first survival payment - 20% of the premium.

In the second year, you will receive 20% of the basic sum assured until you receive the care payment. After receiving the care fund, there is also a survival insurance benefit, which is paid at 3% of the basic sum insured every year after receiving the care fund.

A sum of money can be returned in the year when the contract takes effect, which is still relatively rare in annuity insurance. For example, if you pay a premium of 100,000 yuan that year, you can get 20% of the premium, that is, 20,000 yuan, 10 days after the contract takes effect.

2) Variety of options for receiving care money: Fu Winner is very flexible in the design of the age of care money, and the policyholder can freely choose any of the 12 types, and can receive all the premiums paid (without interest) at the age of 30 at the earliest.

Through the calculation of the sum insured, it can be seen that the choice of the time to receive the care fund is very important, and the larger the sum insured, the more money can be received. Therefore, if you are pursuing a high sum insured, you can choose to receive the care fund at a later age.

3) Death insurance benefit: During the contract protection period, the insurance company will pay the death insurance benefit due to illness, accident or natural death or total disability. In addition, there is an "accidental injury death benefit", after the relevant conditions are met, the amount of compensation paid by the two is equivalent to the premium.

4) Annuity conversion rights: The beneficiary can choose to receive the death insurance benefit and accidental injury death insurance benefit in a lump sum, or convert all or part of the insurance money into annuity payment. This function has been seen in many annuity insurances, which is not particularly unusual, but it is a more practical function, and the beneficiary can choose freely according to his needs.

5) Optional dual account value-added: Xinfu Winner pioneered the dual account design, one policy can choose two universal accounts, with a minimum guarantee and no upper limit. The first universal account is for rebates, and when the money is not claimed, it will enter this account for monthly compound interest and appreciation.

The second account is an open account for additional premiums, with flexible access and compound interest appreciation to meet the needs of fund management.

Summary. Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait!

Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait!

Hello. Annuity insurance will be surrendered at the cash value of your policy terms and conditions after one year of surrender.

You have a lot to lose.

Found you a cash value sheet.

You can refer to the cash value of your policy.

I paid 6,000 a year, and I lost a lot of money when I paid it back in a year.

To calculate how much you have lost, you must first know the cash value statement on your insurance policy before you can calculate it. There is also a 5% surrender fee.

For example, after paying the first year's premium of 12,000 yuan, but there is a cash value table in the same clause of the lead mill, the default can only get back 5,688 yuan, and another 5% refund premium of 600 yuan will be deducted.

I do not recommend that you surrender the policy.

Ok thanks.

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