How to withdraw the participating insurance when it expires, and can the principal be withdrawn afte

Hello! There are generally the following ways to receive dividends from participating insurance:

1.Immediate collection: receive dividends every year according to the time agreed in the contract;

2.Increase the sum insured: Dividends can be put directly into the policy account or rider account to increase income or enhance protection;

3.Offset the next premium.

Whether you can withdraw the principal depends on the type of participating insurance.

1.Compensation can be made for the occurrence of an insured accident when the insurance is not due, and the principal or insured amount can be recovered if the insured accident does not occur when the expiration date.

2.The whole life insurance contract will continue to be valid upon the expiration of the premium payment period, and the money will not be paid until death or other insured events.

Xueba talks about insurance, focusing on insurance evaluation! The comparison between 35 participating insurance and 101 mainstream critical illness insurance has been updatedA list of 35 participating insurances and 101 major critical illness insurances, to friends who know this article.

Dividend insurance is actually a kind of insurance that has both protection and dividends, it provides customers with corresponding protection, and at the same time, it also gives customers a certain amount of dividends according to the company's operating conditions.

Participating insurance is very popular in the market because it has both protection and financial management functions, but many people regret it after two years after buying it, because there is a large income gap before and after buying.

First, the dividends of the policy are not guaranteed.

Second, the dividend pool is not transparent.

The existence of these two characteristics makes the benefits that consumers can really obtain an unknown, and an important reason why risks are often complained about is in this articleWhy is the dividend insurance frequently complained?! , if you are interested, you can find out.

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!

That's all for me"How to take the participating insurance when it expires"All, look!

In fact, many insurance companies stipulate that the principal can be withdrawn, not that the premium can be withdrawn after the expiration of the year, but that it can only be withdrawn on the cash withdrawal date specified by the insurance company.

For example, many whole life insurance regulations stipulate that after the premium is paid according to the contract, the contract will continue to be valid, and the insurance contract will stipulate that the money can only be obtained when the policyholder dies or other insurance accidents, so if you want to know whether the principal can be withdrawn after the expiration of the participating insurance, it is best to ask clearly before purchasing.

Policyholders of participating insurance can enjoy the dividend distribution brought by the company's operating results every year, but they also have to bear certain investment risks. In general, participating insurance has the function of protection and financial management, but the premium is higher and the payment time is longer, so consumers still need to consider it clearly when purchasing it. After all, after purchasing participating insurance, there is generally no great income in a short period of time, and if you want to surrender the policy halfway, you can only return the cash value of the policy, and the cash value of the policy may be lower than the premium paid by the policyholder, which will cause a lot of losses to the buyer, which is very unfavorable.

Dad actually doesn't recommend buying financial insurance, the reason is here, you can understand: "Do you know the pitfalls of financial insurance? 》

Can I withdraw the principal after the expiration of the participating insurance?

Participating insurance can generally withdraw the principal after expiration, but the specific situation needs to be distinguished according to the type of insurance, but it should be noted that "expiration" refers to the expiration of the protection period or the date when the principal can be withdrawn specified by the insurance company, rather than the expiration of the payment.

What is Participating Insurance?

Participating insurance refers to the life insurance that the insurance company distributes to the policyholders according to a certain proportion of the surplus of its actual operating results compared to the pricing assumption, which has the following characteristics:

First, policyholders can receive dividend distributions. In addition to the basic protection function, customers can share the company's operating results with the company.

Second, the dividend distribution methods include cash dividends and incremental dividends. Cash dividend distribution refers to the direct distribution of surplus to policyholders in the form of cash, and insurance companies can provide a variety of dividend payment methods, such as cash, premium payment, interest accumulation, and purchase of sum insured. Incremental dividend distribution refers to the distribution of dividends in the form of increasing the sum insured each year throughout the term of insurance.

Thirdly, the distribution of dividends is uncertain. The level of dividends mainly depends on the actual operating results of the insurance company.

What is Dual Insurance?

Comprehensive insurance refers to life insurance that is conditional on death or survival during the insurance period in accordance with the insurance contract. At the same time, it has the function of protection and savings. All other things being equal, the savings function of both insurance is more prominent than that of whole life insurance.

Since both the endowment insurance policy includes both the death benefit and the survival benefit, all other things being equal, the premium rate of the endowment insurance is higher than that of both term life insurance and whole life insurance. The death protection function of both insurance is similar to that of term life insurance and whole life insurance, and the survival insurance money can be used for education, pension and other expenses.

What is Annuity Insurance?

The so-called annuity insurance refers to the amount of money that the insurance company pays to the insured on a regular basis within the agreed period. Consumers who apply for annuity insurance hope that through this financial arrangement, they can have a stable and continuous financial income every year in the future.

In essence, annuity insurance is not insurance in the true sense of the word, but an investment that people make through life insurance companies, and when the insured customers buy annuities, the insurance company provides customers with a certain amount of income protection. Of course, the content of the benefit depends on the type of annuity purchased by the policyholder.

Question: Is the contract terminated?

Question: I don't know about the contract, and now that I have paid it for ten years, I don't think there are tens of thousands of dollars in the insurance company and there are no dividends, and I want to surrender the policy, can I return all the principal and dividends during the ten years?

Yes, you can get back all the principal and dividends.

Some participating insurance plans may be refunded every year.

Question: Yes, there is a dividend return every year.

Question: This is the expiration of the payment period, not the expiration of the insurance period.

Question: If I want to terminate the contract and return the principal and dividends, can I return the full amount of the principal and dividends?

It is possible to get back only part of the principal.

It is necessary to know how many years the insurance contract itself has before it expires.

Why is dividend insurance so tempting, buy it without understanding the product, it is easy to be pitted, this article will take you to understand the truth of dividend insurance"After reading these shortcomings of dividend insurance, I can't accept it at once".

The question of whether you can get back the principal after the expiration of participating insurance depends on what type of insurance you have purchased. If you are new to participating insurance, you can read on:

Let's take a look at what participating insurance is.

Participating insurance is essentially life insurance, in addition to having the basic protection content, you can also participate in the distribution of the insurance company's earnings every year, the distribution of dividends, can be cash, accumulation of interest, payment of premiums and purchase of one of the increased insurance, different products have different choices.

1. How much is the dividend of the participating insurance?

Regarding the dividends of the participating insurance, it can only be said that it is uncertain, and it is clearly stated in the contract. The dividends of the participating insurance are the distributable surplus generated by the difference between death, interest and expense, and the salesman always uses the assumed interest rate when selling, and the high-end income and mid-range income he says are unrealistic. In the end, we can only obediently wait for the result, and we will receive as much as we write on the notice.

Participating insurance does not have a guaranteed interest rate, which means that there is a risk of zero dividends.

Taking Xinsheng dividend-paying whole life insurance as an example, its income can be used as a reference:"[Xinsheng] participating whole life insurance, the income and protection are choking.

2. Under what circumstances can dividend insurance be considered?

When considering participating insurance, first see if you have all the protection. The foundation of insurance is to be able to provide protection and transfer risks, and at present, there is no product on the market that can achieve comprehensive protection and high returns.

In addition, the flow of funds in dividend insurance is not flexible, not that you can take it out when you want to, it has the function of compulsory savings, if you do not have much liquidity, it is not recommended that you choose this type of product.

In general, the income of dividend insurance is uncertain, and the protection is insufficient, if the protection is complete, and you want to buy some insurance with more stable income, you can consider annuity insurance, I have screened out some products for your reference:"2020, High-yield Annuity Insurance".

The principal can be withdrawn after the expiration of the participating insurance.

Note! In fact, there are many pitfalls in participating insurance, and we must be cautious in buying, and the senior insurance consultant team has summarized these experiences "Why do many people buy participating insurance but want to surrender it? What are the tricks in participating insurance? 》

Huaxia FLM will return the principal at maturity.

Yes, the Chinese Shou Xinfu winner saves for five years, puts it for five years, and can return to the capital, and continue to pay dividends for life after returning the capital.

Yes, Chinese Life Insurance Xinfu Winner Dividend Insurance, three years of savings and ten years of return to the principal, after the return of the fixed dividends continue to take for life.

Our Taikang's Xinxiang can return the principal

Participating insurance can be withdrawn from the principal.

If it is a guaranteed term, dividends will be added to the sum insured after maturity.

If you are in Yangzhou, you can have an interview, answer your questions, and formulate a plan.

The Pacific Ocean can continue to pay dividends for life after taking it out.

When the principal is withdrawn, the insurance contract is terminated.

It is possible until the term specified in the contract.

It depends on the policy contract, some can and some can't.

For example, the bank or the salesman tells you that you can get back the principal after 5 years, as long as you hold it for 5 years, you can get back the principal and interest.

Question: Can I return the principal after the delivery date has expired?

Will this be seen? Question: Can the principal of 110,000 yuan in 5 years be refunded?

But you have to look at whether the cash value is 110,000 or not.

Ask what to do.

Or go directly to the insurance company to surrender the policy.

Yes, how much you can surrender depends on the current value.

Insurance is not a bank deposit, it is not that you can return as much as you want, I have said that you can return as much as you want depending on the cash value, you have to understand.

You can surrender the policy at any time by going to the insurance company, or by the bank you purchased.

The cash value ,,, is the meaning of how much your insurance is worth now, and the method of checking the cash value also tells you, how much is the cash value, which is the money you can get when you surrender the policy.

Taking Ping An Talisman Whole Life Insurance (Participating) as an example, the policyholder has the right to participate in the distribution of distributable earnings in the participating insurance business.

During the validity period of this main insurance contract, the company determines the dividend distribution plan according to the actual operating conditions of the participating insurance business, and the policy dividend is not guaranteed.

If the Company determines that there is a dividend distribution under this Master Insurance Contract, the dividend will be distributed to you on the policy anniversary date, and the Company will send you a dividend report for each policy year informing you of the details of the dividend.

The policyholder has the right to participate in the distribution of the distributable surplus of the participating insurance business.

If the principal insurance contract is terminated during the policy year, the company will distribute the dividends from the previous dividend payment date to the termination of the contract in cash.

Participating insurance may not be able to withdraw the principal after expiration. Most participating insurance plans allow you to withdraw the principal. Specifically, it depends on the type of participating insurance purchased by the insured, in the whole life insurance of the participating insurance, the principal cannot be withdrawn after maturity, while the principal of the participating insurance can be withdrawn, but in the absence of accidents.

Extended information: 1. Participating insurance is a type of insurance. Participating insurance refers to a kind of insurance in which the insured who holds an insurance contract can receive dividends from the insurance company.

Those who purchase participating insurance can enjoy a certain amount of profit distributed by the insurance company every year.

2. 1. Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating the insurance money for the property losses caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract. From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

2. Type. Commercial insurance can be roughly divided into: property insurance, life insurance, liability insurance, credit insurance, allowance insurance, and marine insurance. The large categories are classified according to the scope of insurance coverage, and the small categories are classified according to the type of insurance subject.

According to the scope of insurance protection, it is divided into: life insurance, property insurance, liability insurance, and credit guarantee insurance.

3. The policyholder refers to the person who has signed an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the insurance contract. The policyholder can be a natural person or a legal person, but must have civil capacity.

4. The insurer, also known as the "insurer", refers to the insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money. In China, there are two forms: joint-stock **** and wholly state-owned company. The insurer is a legal person, and an individual citizen cannot act as an insurer.

5. The insured refers to the person who, according to the insurance contract, has the right to claim the insurance money after the occurrence of the insured accident and whose property interests or personal life are protected by the insurance contract. The policyholder is often the insured at the same time.

6. The beneficiary refers to the person designated by the insured or the policyholder in the life insurance contract to enjoy the right to claim the insurance money, and the policyholder and the insured can be the beneficiary. If the policyholder or insured person does not designate a beneficiary, his legal heirs are the beneficiaries.