2017 to see if the launch of the new Ping An Xinli

Xueba talks about insurance, focusing on insurance evaluation! Well? Ping An's Xinli seems to have been often mentioned by the public recently, which is a serious two-fold insurance (dividend-paying type).

In fact, both insurance (dividend) products often have "pits" that we don't know, and the same is true of Ping An Xinli, in order to avoid everyone stepping on thunder, I have worked hard to complete an article, if you are interested, you can take a look! Learn this trick and stay away from the 99% pit of annuity insurance

How about Ping An Xinli? Is it worth buying?

How about this Ping An comprehensive insurance (participating) product? Is it worth buying? Let's start with a picture

1.Critical Illness Benefit:After understanding, I found that as a comprehensive insurance (participating type), its protection for moderate and mild illnesses is very scarce, and it can only pay for critical illnesses.

Let's get to the point! The financial management function of this product. There are four main parts of wealth management income: survival insurance benefit, maturity survival benefit, death benefit and dividends brought by the policy.

2.Let's take a look at the survival insurance benefit and the maturity survival benefit:This product can receive 6% of the basic sum assured in the fifth year, and double the basic sum insured if you reach the age of 80.

For example, a 30-year-old man has insured 100,000 Ping An Xinli insurance (dividend) products, and paid in 30 years, then from the age of 35 to the age of 80, there is a dividend of 6,000 every year.

It is not difficult to see from the ** that the yield of this product is only, it is indeed relatively low, and for a long time, it is just an element that almost smooths out inflation. Let's come back to the Kangkang death benefit.

3.Death Benefit:The death benefit of this product is calculated in the same way as other annuity insurance.

A larger portion of the premium paid or the cash value of the account will be used as the amount of the benefit after death.

4.Policy Dividends:As a comprehensive insurance (participating), it will also give us a share of the policy dividends.

The interest rate on dividends is undetermined, and there are generally three grades, mostly in the mid-range, and can be obtained in one of three ways. Calculate it by accumulating interest, and then test the interest rate of dividends in the way of mid-range interest rates.

Objective evaluation, the rate of return is indeed relatively low, the industry generally believes that both insurance (dividend) to reach more than three points to be called qualified, this product is indeed a relatively low rate of return. It is not recommended.

After reading it, or in the clouds? It's okay, let's take a look at the article I wrote and unravel it togetherWhy are there so many complaints about participating insurance? Demystifying the mystery of participating insuranceHope!

On October 1, Ping An Xinli products, after being discontinued and upgraded, have been new, and the Ping An Xinli products currently on sale belong to the second generation of products in 2017.

It is impossible to make any further adjustments at the end of the year.

Ping An Xinli is a quick-return type dividend insurance. The specific dividends are also subject to actual conditions and cannot be calculated. You can call Ping An customer service 95511 for consultation and verification, and check the actual dividend amount.

Participating insurance also belongs to the category of simple traditional insurance, open the policy, read it carefully, I believe that customers can read and understand. If you don't understand something, please call 95511 to verify.

Regarding the product, in fact, it doesn't matter whether it is good or not, it just depends on the planning of the best people.

Regarding the ** shown planning, from a professional point of view, I don't want to say too much, after all, I have been insured for several years. The fundamental problem lies with the customer, and there is no clear demand. Even, it is not clear about the policy responsibilities and benefits.

It is recommended to find a local ** person to conduct an insurance policy analysis, combined with the customer's own actual situation and deterministic needs, and analyze. After that, select the screening process.

Hello! 1.Xinli is a savings product with fixed returns, annual dividends, double the sum insured at maturity, and double protection.

2.Your insurance plan: 2,100 yuan will be returned every other year, if you don't receive it, you will accumulate interest-earning dividends every year, and if you don't receive it, you can also accumulate interest-earning when you are 80 years old, you can receive a maturity payment of 60,000 yuan.

Before the age of 80, you can get 60,000 yuan of personal insurance.

If the critical illness in the clause occurs during the payment period, the main insurance premium will be waived during the payment period, and the maximum compensation will be 100,000 yuan during the payment period, and the outpatient or hospitalization expenses caused by the accident can be reimbursed up to 10,000 yuan per year during the payment period, and the hospitalization expenses (due to illness) can be reimbursed up to 6,000 yuan and 20,000 yuan per year during the payment period.

I don't know much about this insurance I bought the gold products of ICBC AXA Life Insurance When I bought it, their financial advisor told me very clearly

You just have to look at the insurance liability to find out.

According to your description, I calculated that the Xinli recommended by the other party to you has an insurance amount of 25,000.

There is no problem with the specific income, 1750 will be returned every two years, and 50,000 will be given at the end of 80. If you do not receive it during the period, the interest will be compounded together with the bonus. There is no problem with this narrative, if it is not taken all the time, the total income at the age of 80 is 6 8 times the accumulated premium.

The problem is the rider that is put on you. First of all, what is the name of this insurance? Is it "Medical Insurance for Hospitalization Expenses Attached" or "Medical Insurance for Hospitalization Expenses Supplement"?

Is the letter a or b voted? This is very important, please reply to me so that I can explain the next content to you. Thank you.

Supplement 1: I saw that you added "buy one and get two back" downstairs, it is like this, after buying this insurance, the child's personal insurance after the age of 18 is 50,000 If he is safe until he is 80 years old, the 50,000 will be paid to him as a life pension, and then the policy will end.

Supplement 2: Additional exemptions, there are three main types of additional exemptions: a, b and c, all of which are waived of the remaining expenses after the specified conditions occur during the payment period (at the same time, all additional insurances are invalid, except for critical illness insurance). The condition of paragraph A is that the policyholder, that is, if you die or suffer from a critical illness for the first time during the payment period, the remaining premiums will be waived; Paragraph B adds disability to paragraph A; Paragraph C is the insured, that is, when your child suffers from a critical illness for the first time, the remaining premium will be waived.

Insurance can choose a suitable one according to their own needs, Ping An Xinli can give children education is a good choice, return 7% of the insured amount every two years, back to 80 years old, 80 years old maturity insurance twice the amount of compensation. If you are thinking about being able to take out the money for retirement in the future, Ping An Xinxiang may be more suitable for you. You can receive a pension up to the age of 65.

Overall, it's true, but you have to see clearly that the policy dividend benefit is uncertain, and you may not be able to get more than 500,000 (and the premise is that you don't take the 1750 that you can get every two years), but it must be higher than 70,000, and it is guaranteed until the age of 80, which is normal, and some can be guaranteed for life, I hope it can help you.

Your insurance is Xinli Insurance, how old is the child this year?

Xinli should be a share of the sum insured at 25,000 yuan, and 7% of the sum insured will be returned every two years until the age of 80.

This is that there is not much protection before the child is eighteen years old Mainly based on dividends Two years of rebate, but he adds you to the medical treatment of major illnesses and minor illnesses If the child dies before the age of eighteen, only the premiums paid will be compensated, and the simple interest If there is a situation after the age of eighteen It is double the sum insured of the policy.

What you're talking about is that after 80 years, you will be able to receive a maturity benefit, and then there is the value of the policy, and the dividends, depending on the company's operation.

If you have any questions, please ask.

Both of these insurances are dividends and insurance with okay coverage. The difference is that one is regular and the other is long-term. The role of Xinxiang is that we can make a long-term mandatory savings through this insurance, and remember to bring a waiver of the policyholder's premium.

Before the expiration of the insurance, enjoy the insurance protection of the insurance company, and get back our expenses and certain dividends after the expiration.

Xinxiang has won the Best Pension Insurance Award.

From the perspective of security:

1, Xinli (twice the compensation) is lower than Xinxiang (three times the compensation) 2, Xinli protection to 80 years old, Xinxiang protection to 65 years old from the perspective of interests:

1. Xinli receives 7% of the basic insurance amount every two years to survive, Xinxiang has no survival insurance, but can convert annuity, starting from a predetermined age, monthly or annual pension.

2. Xinli can receive a maturity survival benefit of twice the basic sum insured when he is 80 years old, and Xinxiang can receive a maturity survival pension of twice the basic sum insured at the age of 65.

Other interests are basically the same, in general, Xinli is used as a reserve for children's education, the priority of capital flow, Xinxiang is the priority choice of high security and pension security.

Ping An Xinli Insurance (Participating).

Insurance age: 0 years old (born 28 days old and discharged from the hospital in good health) to 60 years oldPayment period: 5 years, 10 years, 15 years, 20 years, 30 yearsInsurance period: to 80 years old.

Insurance liability: 1. Survival return: 7% of the basic insurance amount will be returned every two years 2. Maturity payment: double the basic insurance amount will be given at the age of 80 3. Death benefit:

In the event of death before the age of 18, the insurance premiums paid will be refunded and the value will be increased according to the annual growth rate.

In the event of death after the age of 18, double the basic sum assured.

Xinli's insurance is returnable, and critical illnesses can be attached.

It is characterized by a low starting point and can be purchased regardless of economic class.

If you want to buy this product, what is your starting point? It's okay just to save some money for yourself, and if you still want to solve medical and hospitalization problems, it is recommended that you refer to others.

1. The policy can be loaned, generally after more than 2 years of underwriting, the loan amount can be up to 95% of the cash value, Ping An's insurance generally cannot be so high.

2.As for the expenses you have to deduct every year, you have to see what kind of insurance you buy, if it is universal insurance, the deduction will be more, only 50% of the premium in the first year will go into your account, and only 75% will go into your account in the second year, and the account management fee (also called the cost of protection) will be deducted every month

3. The dividends of each company are uncertain, and the annual dividends depend on the company's earnings in the previous year.

4. Personal advice is that buying insurance should follow the principle of protection to dividends

Hello, this is both insurance, more than 4000 insurance should be 35000. Death is doubled.

The protection should be comprehensive, and buying insurance should be protected first and then financed.

Chengdu Ping An ** people serve you and hope to help you.

Hello, I am the best person of Ping An, this Xinli insurance is better for children to do education. At your age, I suggest you don't buy this, this is purely a financial management type, and you can completely consult your relative to buy a protection type. Ping An Talisman is selling very well, and it may be discontinued soon, so you should consider a lifelong protection type.