About Ping An Hongli Insurance! Please know and tell thank you !

Xueba talks about insurance, focusing on insurance evaluation! Here is a freshly released comparison table of popular critical illness insurance in China, which will be given away for free for a limited time:"Comparison Table of 136 Popular Critical Illness Insurance in China".

First of all, after expiration, 8% of the sum insured will be returned every three years, plus dividends, but the dividends depend on the operation of the insurance company, and there may or may not be.

In addition, you can take a look at my detailed analysis of the precautions about this insurance:

Ping An Hongli is the first dual-type participating insurance launched by Ping An Company. What is Endowment Insurance? It is the insurance that preserves life and death.

"About both insurance, the salesman will definitely not tell you! 》

As you can see, the advantages are as follows:

1.The sum insured is returned once every three years and can be withdrawn at any time.

2.There are policy dividends, which is a point that many people are more excited about.

The disadvantages are as follows: For example:

1.The survival guarantee is really small. According to the above friend's policy, the annual premium is 4460 yuan, a total of 10,000 yuan for 20 years, and 4000 yuan is returned every 3 years. Year ......

2.Yields are uncertain. Depending on the operating situation, the income dividends are more or less, with or without them, and are full of unknowns. Until the moment you get the money, no one can tell how much you can get.

Many people want to surrender their insurance as soon as they find themselves in the pit. Then you will also lose a lot of money by surrendering the policy, because only the cash value of the policy will be returned, so is there a better way to reduce the loss?

You may wish to try to reduce the amount of payment, after reducing the basic sum insured of the contract, you do not need to pay the premium, and the main insurance contract continues to be valid, is it not good to use the remaining premiums to concentrate on financial management or buy protection insurance?

Therefore, everyone must keep their eyes open when buying insurance, and follow the principle of "protection first and then financial management", don't wait until you buy the wrong one and then regret it, and then you can only suffer a loss. Take a look at this guide to buying insurance that I've compiled to teach you how to buy the best insurance for the least amount of money:"Before buying insurance, you must first figure out these key knowledge points!

Hope!

In simple terms:1Annual dividends (subject to uncertainty).

2.Return 1,600 yuan in three years until life.

3.In the event of the agreed critical illness, 20,000 sum insured and cumulative dividends will be paid. Termination of the insurance contract.

4.Death benefit of 20,000 yuan and accumulated dividends. Termination of the insurance contract.

In addition, one more thing, this kind of insurance is not of great benefit to customers, (the income is very low, the protection is very low) since it is done, it is forgotten.

The insurance liability of Ping An Hongli Insurance includes survival insurance benefits and death insurance benefits. The survival insurance benefit means that the insured and the policy are still alive for every three years after the effective date of the policy, and Ping An Insurance Company of China will pay the "survival insurance benefit" at the rate of 8% of the insured amount; The death benefit means that if the insured dies due to illness within one year from the effective date of the policy, Ping An Insurance Company of China will pay the "death benefit" at 10% of the insured amount and return the insurance premium without interest, and the insurance liability will be terminated. If the insured dies due to accidental injury or dies of illness one year after the effective date of the policy, Ping An Insurance Company of China will pay the "death benefit" and the insurance liability will be terminated.

The product feature of Ping An Hongli Insurance is that it is the first batch of insurance policies in Chinese mainland that can participate in the profit sharing of insurance companies, and it is a participating insurance. Dividends every year, enjoy for life. It is returned every three years, and the return is fast and the return is high.

Dividends are flexible and convenient, and the value of customers only rises and does not fall. The dignity of illness is paid in advance, showing human care. In addition, how to inquire about the dividends of Ping An Hongli Insurance?

You can call **95511

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

Summary. Ping An Hongli both risks disadvantages 1The survival guarantee is really small. According to the policy, the annual premium is 4460 yuan, a total of 10,000 yuan is paid for 20 years, and 4000 yuan is returned every 3 years. Year ......

2.Yields are uncertain. Depending on the operating situation, that is, there may be no dividends, and there may be more or less. Until the moment of getting the money, no one can determine how much Ping An Hongli can get.

Ping An Hongli Whole Life Insurance (Participating) Section 751.

Ping An Hongli both risks disadvantages 1The survival guarantee is really small. According to the policy, the annual premium is 4460 yuan, paid for 20 years, a total of 10,000 yuan, and 4000 yuan is returned every 3 years.

Year ......2.Yields are uncertain. Depending on the business situation, that is, there may be no dividends in the spring, and there may be more or less.

Until the moment of getting the money, no one can determine how much Ping An Hongli can get.

The insurance liability of Ping An Hongli Insurance includes production insurance and death insurance. If the insured dies due to accidental injury or dies of illness one year after the effective date of the policy, Ping An Insurance Company of China will pay the "death benefit" and the insurance liability will be terminated. The product feature of Ping An Hongli Insurance is that it is the first model insurance policy in Chinese mainland that can participate in the profit sharing code difference of insurance companies, and it is a participating insurance.

Ping An Hongli Insurance makes whole life insurance and investment both right and safe, and at the same time, if you add accidental injury, critical illness and hospitalization medical insurance, it can provide comprehensive protection for the life of the elderly.

"About both insurance, the salesman will definitely not tell you!

From the above figure, we can see that the protection period of Ping An Hongli Insurance (Participating) is lifelong, with 8 exclusion clauses.

Some friends may not know what the disclaimer clause is, so click on the following popular science article to learn about it:

What are the exclusions of insurance and how do you look at them? If you don't understand, you'll suffer a big loss!

There are two types of protection contents: survival insurance and death insurance.

If the insured person is still alive every 3rd anniversary after the effective date of the policy, the insurance company will pay a survival benefit of 8% of the sum assured.

If the insured passes away due to illness within one year from the effective date of the policy, the insurance company will pay the death benefit at the rate of 10% of the sum assured, and the premium paid will be refunded without interest. If the insured person dies due to an accidental injury or dies due to illness one year after the effective date of the policy, the insurance company will pay 100% of the sum assured.

In fact, the death benefit setting of this article is quite good, because the death of some products of the same type on the market only pays the maximum value between the cash value and the premium paid.

In addition, Ping An Hongli Insurance (Participating) also has a variety of practical policy benefits, if you want to know what are the specific policy rights and interests of Ping An Hongli Insurance (Participating), you can click below:

Ping An Hongli has heard that the income is small, and there are so many pits!

The contents of Ping An Hongli Insurance are as follows:

1.Survival Benefit: Paid every three years from the effective date of the policy, at the rate of 8% of the basic sum insured each time, until life.

2.Death benefit: If the insured dies due to illness within one year of the effective date of the policy, the insurance company shall pay the death insurance benefit at the rate of 10% of the insured amount.

In the event of death due to accidental injury or death one year after the effective date of the policy, the insurance company shall compensate according to the insurance premium, that is, the amount of insurance.

3. Dividends: Dividends are determined by Baozhi Insurance Company every year according to the actual operation of dividend insurance business. The distribution of dividends is carried out in accordance with the relevant regulations of the regulatory authorities, and the distribution of dividends is not fixed.

Policyholders can choose to receive dividends in a bridging manner, including accruing interest, paying premiums, and purchasing and paying additional insurance. If no option is chosen, it will be treated as accrued interest.

Ping An Hongli's survival** can be claimed at any time. If you do not choose the method of receiving policy dividends, you can accumulate interest in the insurance company's account by default, and you can also receive dividends.

Summary. 1. Survival insurance benefits.

For every 3rd anniversary after the effective date of the policy, the insurance company will pay the "survival benefit" at the rate of 8% of the sum insured.

2. Death benefit.

If the insured dies due to illness within one year from the effective date of the policy, the insurance company will pay the "death benefit" at the rate of 10% of the insured amount, and the insurance premium will be refunded without interest, and the insurance liability will be terminated.

Ping An Hongli Insurance Participating 2004

2004 insurance coverage: under 65 years old, expiration age not more than 79 years oldPayment period: 5 years, 10 years, 15 years, 20 years and 30 years.

1. The insurance company shall pay the "survival insurance benefit" at the rate of 8% of the insured amount for every three years after the effective date of the policy. 2. If the insured dies due to illness within one year from the effective date of the policy, the insurance company will pay the "death benefit" at 10% of the insured amount, and the insurance premium will be refunded without interest, and the insurance liability will be terminated.

1.This is 20,000 yuan of Ping An Hongli insurance, which returns 1,600 yuan of survival money every 3 years, and after 20 years, you can't receive survival money every year, and you can receive 1,600 yuan for 3 years, and it has always been like this.

2.The dividends are collected in a lump sum when you receive them, and the principal cannot be moved, and you can receive them every year after 20 years. But the amount is small. In the era of no dividends, there will be no dividends to receive.

3.Hospitalization due to illness is withdrawn in advance according to this clause, and 10,000 yuan can be received (in the case of more serious illness).

4.There is no birthday payment (at least not in the terms), don't take the bonus that the salesman said as a birthday payment.

5.The principal can't be moved, only 20,000 yuan of insurance, and it is unrealistic to want a small loan. Generally, you can get enough of it, and if you pay it for 20 years.

Yuan, 20 years to receive 6 times 1600 yuan for a total of 9600 yuan, (37200-9600) 1600 * 3 is your return to the principal year, dividends are not counted.

7.If someone is willing to buy this insurance, it is not a cheat.

Oh, the first insurance, pay 1,860 yuan, and pay 20,000 yuan immediately when someone dies. After 24 months, 20,000 were also given for suicide. As long as you live, the insurance amount will be 8% and 1,600 yuan every three years.

In addition, there are dividends every year, and I don't know how much. Look at the benefits. Third, if you purchase hospitalization medical insurance, you will be reimbursed.

If you don't buy it, the payout is 0. Fourth, there is no birthday payment. I've always been healthy, and I've been receiving it every three years.

1600.Until the death benefit of 20,000 plus dividends, the contract is terminated. I don't know if that's clear. FYI.

1.This insurance is a whole life insurance, and it is guaranteed for life, and it is not what you say, "20 years", as for how much money you receive, it is 1600 for less than three years

2.If you want to check the dividend, you need to call 95511 or log in to Ping An One Account or go to the Ping An counter to inquire The dividend will not be too much, because the premium is not high.

3.How much you can pay for hospitalization depends on whether there is additional critical illness or hospitalization medical insurance.

4.There is no birthday payment for this insurance.

5.What do you mean by whether the principal can be moved? This is not a bank deposit to receive money. You can only take out a policy loan at 80% of the cash value, and the loan interest rate is slightly lower than that of the bank for the same period.

6.If you want to get the money back, you have to use it for a lifetime.

7.I don't know why your calculations are limited to saving and receiving money, but if you factor in inflation, then I have to tell you, Social Security doesn't go up with inflation.

8.If the world's insurance is all about cheating, then you blame the ** for pitting you.

A few additional points:1In theory, insurance companies make money through the difference between death, fees, and profits, and in fact, insurance companies make money through investments in national projects, financial markets, and so on.

2.Buy insurance and never calculate the gains and losses of personal money A joke Want to buy insurance is the most cost-effective? It's definitely the best deal to buy today and die tomorrow.

3.The purpose of insurance is to provide an education fund reserve for children, a value guarantee for adults, and a pension supplement for the elderly.

Insurance is not a panacea, but it is impossible without insurance.

You have so many questions! There are clauses on it that I can't read the jacket! Annual payment 1860 20 annual payment 37200

Question 1: 1600 will be returned every three years, this is a survival insurance money, as long as you are alive.

Question 2: Dividends are uncertain, you can call 95511 to ask how many dividends are over the years, all insurance companies are calculated according to compound interest, and the expiration of 20 years cannot be explained, no one can know. Compound interest is rolling interest!

Question 3: I don't know what insurance you have attached to it! How much is the main insurance, how much is the critical illness covered, and whether there is any accidental medical treatment (hospitalization expenses arising from accidents will be paid for more than 100!) This one is guaranteed for one year!

Question 4: Hongli didn't have it before, but now Xinli has a sum of money at the age of 80! ·

Question 5: There is no principal, you don't understand the essence of insurance, people want to live for the better, the more profitable... And you...

Question 6: 1600+ dividends received every 3 years. So if you don't know how many years to get back, you can take out the contract and calculate it according to the above!

Question 7: Isn't it the same thing for you to let go of the bank? Will the money you earn today be spent tomorrow? Don't you plan for the future? Your mother bought you insurance for your own good! Insurance is actually for the good of the next generation!