What are the benefits of Xinhua Double Happiness Insurance 20

There are multiple versions of Xinhua Double Happiness Insurance, and the overall benefits are as follows:

1. The payment period is short, and the installment investment is three or five years, 2. The dividend advantage is high, and the annual dividend base is high, and the final dividend is more return.

3. Strong protection responsibility to provide double accident protection.

4. The product has full functions and is suitable for education, marriage, entrepreneurship and pension.

Xinhua Double Happiness is a comprehensive insurance (participating insurance), both insurance, as the name suggests, life and death insurance, both life and death, it still sounds quite tempting. However, is Xinhua Double Happiness really as perfect as you imagined? Don't be naïve!

I suggest you take a look at this article:"Xinhua Red Double Happiness, the income is choking.

So what about Double Happiness? Let's take a look at it and find out

Double Happiness series products are Double Happiness A (10 years), C (10 years) and D (5 years), I made a picture of the introduction of the three products, as follows:

There are generally several advantages:

1. There are advantages in dividends:The annual dividend base is high, and the final dividend is more returning.

2. Excellent guarantee responsibility:Double accident protection.

3. Wide range of product function designIt is suitable for education, marriage, entrepreneurship and pension.

The general disadvantages are as follows:

1.High threshold for insurance:High returns also mean high premiums, and people with long-term investment needs can consider buying them if economic conditions allow.

2.Policy dividends are uncertain. Depending on the operating situation, that is, there may be no dividends, and there may be more or less. No one can say how much money they will get in the end.

After buying, I regret it, how to minimize the loss?

1. The policy can be surrendered in full without the hesitation period.

2. Reduction and payment:After the hesitation period, it is not recommended to surrender the policy, and it is a good choice to reduce the pressure on the premium, and to minimize the sum insured.

3. Change the payment method:If you are stressed to pay premiums in a short period of time, you can choose to pay monthly or quarterly premiums.

The purpose of buying insurance is nothing more than to add a guarantee, remember the principle of "protection first and then financial management", that is, to configure protection insurance first, and the excess budget can be considered to manage money. When buying insurance, you must keep your eyes open, here is a super practical strategy for you to buy insurance, move to the article link on the right:"Before buying insurance, you must first figure out these key knowledge points!

Thanks for reading, hope!

What's good? First of all, the value of the hedging, double happiness is generally a one-time receipt at maturity, the basic amount of insurance + dividends + final dividends, of which only the basic amount of insurance is higher than the principal, followed by this product is a rolling interest dividend, there is one more dividend at maturity, and the dividend maturity must be given to you, which is equivalent to saying that there are both guarantees and dividends, which is better than the **** not guaranteeing the principal, and the operation of the insurance company is under monitoring, it is impossible to go too far, to this kind of insurance should be viewed correctly, the maturity of the deposit is a little higher, However, it is not appropriate to surrender the policy halfway. In addition, there is a death benefit, and there are individual double happiness benefits that can reach about three times the sum insured, depending on which one you buy. (*

Single payment: there is a guarantee, there is a dividend, there is insurance. The number of dividends is high. The annual dividend of 10,000 yuan with a guarantee is about 500 yuan.

Delivery: 5 years per year, dividends of about 800 yuan per year of 10,000 yuan.

Xinhua Insurance has double insurance and high dividends. High protection.

You should ask what's wrong ...

But any type of insurance from an approved insurance company is better than not buying...

Products are different from person to person.

No matter how good the product is, you can't say it's good

New China Insurance Double Happiness Death Insurance Compensation Standard:

1.Maturity Survival Benefit: The amount of effective insurance paid at maturity.

2.Accidental Death Benefit: Sum Insured in Force Number of policy years at the time of death Duration of insurance.

3.Death of illness insurance benefit: If you die of illness within one year, the insurance premium will be refunded without interest; If you die of illness after one year, the sum insured in force Number of policy years at the time of death Duration of insurance.

New China Insurance Double Happiness C (Dividend) is a participating insurance product sold through banks, postal savings and other part-time businesses**, which has both financial management and protection functions. The first company adopts the method of sum assured dividend, and the first company sets up a terminal dividend; The annual dividend is guaranteed once it is distributed and will continue to participate in future dividend distributions; The final dividend smooths the annual dividend level, and the dividend is more sufficient; Humanized policy pledge loan, reduced payment and policy reduction design; Accumulation of small amounts, no pressure to pay, can achieve mandatory capital accumulation; Expert financial management, value preservation and appreciation.

During the validity period of the contract, the company shall assume the following insurance liabilities:

1) Maturity survival insurance benefits.

If the insured survives until the expiration of the contract, the Company shall pay the maturity survival insurance benefit according to the effective insurance amount, and the validity of the contract shall be terminated.

2) Death benefit.

1. If the insured dies due to illness within one year of the effective date of the contract, the company will refund the insurance premium paid without interest, and the validity of the contract will be terminated.

2. If the insured dies due to accidental injury or dies due to illness one year after the contract takes effect, the company calculates and pays the death insurance benefit according to the following formula, and the contract will be terminated.

Death Benefit Sum Insured in Force at Death Number of Policy Years at Death Period of Insurance.

In some cases, the company does not assume insurance liability, please consult our financial manager for details, or refer to our terms and conditions, product manual.

The features of Double Happiness New C Dual Insurance (Participating Type).

Short payment period: invest in installments for three or five years, rapid accumulation and early planning;

Dividends have many advantages: the annual dividend base is high, and the final dividend is more return;

Strong protection liability: 1 times sickness, 2 times general accident and 3 times accidental death benefit for specific vehicles;

Full product functions: suitable for education, marriage, entrepreneurship and pension.

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

Xinhua Double Happiness is a comprehensive insurance (participating insurance), what is comprehensive insurance? That is, life and death, both life and death, sounds great! But is Xinhua Double Happiness really as good as you think?

Next, let's take a look at whether this product is good or not

Double Happiness series products are divided into Double Happiness A (10 years), C (10 years) and D (5 years), as shown in the following table

On the whole, the advantages are as follows:

1. There are advantages in dividends: the annual dividend base is high, and the final dividend is more rewarded.

2. The protection responsibility is not bad: double accident protection is provided.

3. Wide range of product functions: suitable for education, marriage, innovation and pension.

But these shortcomings are really hard to ignore:

2.Policy dividends are uncertain. Depending on the operating situation, that is, the dividends may be less; Probably more; Probably not, maybe there is! So, no one knows how much money they will get in the end.

Many people find themselves in the pit in the end, and they plan to surrender the insurance, how to deal with it?

1. The policy can be surrendered in full during the cooling-off period.

3. Change the payment method: Replace the annual payment with monthly or quarterly payment, which can alleviate the payment pressure in a short period of time.

Hello, Double Happiness is the largest bank channel insurance product in Xinhua, which is safe and reliable, and can be purchased with confidence. Xinhua Insurance is the third largest insurance company among the 63 life insurance companies in China, and its major shareholder, Huijin, is an important national financial holding company represented by the company. Xinhua has developed very well in recent years, and last year's annual report showed that it was the fastest growing rate among the four major listed insurance companies.

There are more than 29 million customers in China who hold Xinhua insurance products.

Double Happiness has the function of protection and financial management, as long as you pay on time every year, you can enjoy protection and dividends during the insurance period, and you can receive a refund at the end of the period. This is a product with five years of payment and ten years of protection. It is an insurance that focuses on financial management, which is suitable for customers who do not need this money for ten years, and is regarded as a compulsory savings to maintain and increase value.

You can look at the terms of the insurance contract, it is not suitable for short-term surrender. There is a certain loss in surrender. The money that can be refunded is the cash value on the policy.

I don't understand what you mean by security. As a bystander, I just want to tell you: Double Happiness is quite popular in many regions, and this type of insurance once won the most popular ranking in China's insurance industry.

Compare more, and then start, absolutely correct and safe.

What are you referring to: the company will not fail.

Part of the product promise will be fulfilled.

That is, the dividend may be higher or lower every year, and it is a floating number.

It is recommended not to buy insurance through banking channels, the bank has a rebate, and the money in hand is about the same as the bank on a regular basis.

The Insurance Law famously stipulates that any insurance company that operates life insurance is not allowed to go bankrupt by the state, and it will either be merged by other companies or directly operated by the State Insurance Regulatory Commission.

It depends on whether someone has introduced you to insurance.