Ping An Zhifu Life Whole Life Insurance Universal, B, 2004 What are the specific benefits

The Ping An Zhifu Life (b) you insure, with pistachio regular children's critical illness insurance, pays (2,000 yuan + 52 yuan =) 2,052 yuan per year. Let's start with Fortune Life (B), which is a life insurance policy that is guaranteed to be lifelong. The contract stipulates that it is the customer's right to pay the fee for life, and it is up to the customer to decide how many years to pay (but in the case of you, at least your granddaughter is 15 years old to fully enjoy the protection benefits of additional pistachio regular children's critical illness insurance until the age of 18).

When you pay the first 2,000 yuan, the company will open two accounts for you: investment and financial management and protection, (1) investment account; After deducting part of the initial fee, the rest will go directly to the investment account (on the basis of the lowest guaranteed annual interest rate for customers to win higher returns, the current settlement annual interest rate is by the company's unified investment operation, monthly compound interest rollover, monthly settlement and transfer to your account. From the fourth year onwards, the company will reward you with 2% of the current year's payment directly credited to your account. From the sixth year onwards, the initial fee will only deduct the reward of the current year's premium, and 1,970 yuan will enter your account if you pay 2,000 yuan per year) The money in the account (when needed) can be partially received at any time (according to the company's regulations, at least 1,000 yuan or more will be left in the account after receiving, as long as the money in the investment account is enough to deduct the cost of protection, the insurance contract will continue to be valid) and receive it free of charge every year (20 yuan handling fee will be charged for more than two times), (2) protection account (the insurance amount can be adjusted once a year, with a minimum of 10,000,000,); The insurance amount you agree with the company is up to 50,000 yuan before the age of 18 (according to the regulations of the Insurance Regulatory Commission, except for Beijing, Shanghai, Guangzhou and Shenzhen), and the insurance amount can be increased according to demand after the age of 18 (the premise is that you must pay the premium continuously until you are 18 years old, and the maximum insurance amount specified in the proportion of annual premiums is within the range, such as 20-300,000 yuan), and the annual insurance cost is deducted from the investment account every month (such as the protection cost per 10,000 yuan; 10 years old, 20 years old 5 years, 30 years old, 40 years old).

Pistachio Plus is a fixed-term children's critical illness insurance policy with premiums paid up to age 15 and liability up to age 18.

Universal insurance payment is lifelong, the deduction is also lifelong, and the annual deduction amount is with age**, which increases rapidly! The main insurance will only receive the benefit in death!

At the same time, universal insurance has a guaranteed interest rate, Ping An has a guaranteed interest rate, and other insurance companies are!

Buying Magnum must be noted:

1. Not suitable for people around 50 years old or above.

2. Based on the contract, the guaranteed interest rate shall not be lower than the bank interest rate.

3. The company has long-term stable income, and the investment income is not high or low.

4. The annual premium should be in line with one's financial ability and controlled at 10-15% of the annual income 5. The controllability of universal insurance is extremely poor and the cost is extremely high, so it is recommended that the payment age is more than 10 years.

6. The best buyers are mainly those with generous financial ability, the younger, and those with conservative needs, commonly known as "rich people"!

You are handling it in the hands of that business **person, you just call him directly and let him explain it to you! The salesman's name and ** are both in the contract.

It belongs to the old insurance that is out of sale, according to the meaning of the new product is now understood to be 2,000 per year, lifelong payment, because it is a savings type, how many years can be paid by yourself, but in the end you can take out how much money you can do, it is recommended to have the ability to pay all the time.

Critical illness is usually a whole life insurance, I don't understand what you mean by the above to the age of 18 and to the age of 15.

Just ask the salesman of Ping An directly.

Summary. The cash value of the policy is a cash value table on the paper policy. The cash value refers to the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract.

Generally speaking, it can be simplified as follows: cash value of the policy = premiums paid management expenses apportioned amount salesman commission net premiums required by the insurance company to bear the insurance liability of the policy interest accrued on the remaining premiums. The insurance company will give a clear cash value statement for the year.

Ping An Zhifu Life Whole Life Insurance (Universal A, 2004), buy it for 15 years, can you return the cost when you surrender the policy?

Hello dear! No.

Ping An's universal insurance is guaranteed to life, you can partially receive it in the middle, you can also do pension supplements, the principal can not be returned, the contract will end after the principal is returned, you can play ** to inquire, what is the cash value of your universal account, after 15 years, you can basically get back the principal, according to your statement, it is surrendered.

The cash value of the policy is a cash value table on the paper policy. The cash value refers to the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract. In general, it can be simplified as:

Cash value of the policy = premiums paid Management expenses apportioned amount Salesman's commission Net premiums required for the insurance company to bear the insurance liability of the policy Interest accrued on the remaining premiums. The insurance company will give a clear cash value statement for the year.

Summary. Dear, hello, I'm glad to answer for you Ping An Zhifu Life Whole Life Insurance Universal Type B 2004 Deduct so much money every year, what's the point of buying: Ping An's Zhifu Life is universal insurance, to put it bluntly, it is similar to the deposit bank, you are equivalent to opening an account in Ping An, you can deposit additional money at any time, and you can also take out the money at any time, but some initial expenses will be deducted, so there is no income or even loss in the first few years.

Ping An Zhifu Life Whole Life Insurance Universal Type B 2004 What is the point of deducting so much money every year?

Dear, hello, I'm glad to answer for you Ping An Zhifu Life Whole Life Insurance Universal Type B 2004 Deduct so much money every year, what's the point of buying: Ping An's Zhifu Life is universal insurance, to put it bluntly, it is similar to the deposit bank, you are equivalent to opening an account in Ping An, you can deposit additional money at any time, and you can also take out the money at any time, but some initial expenses will be deducted, so there is no income or even loss in the first few years.

Hello dear, the following is the relevant extension I found for you: the advantage is that it has a guaranteed interest rate, and then the interest rate will be automatically raised according to the floating bank interest, which must be higher than the bank interest rate at that time, and I don't know the current interest rate, you can ask your ** person or Ping An Insurance Company. It is calculated on a rolling basis based on the interest rate, which is compounded interest.

Therefore, the income is considerable after a long time, and the two most important points of financial management are regular investment and long enough.

Hello dear, here is the relevant extension I found for you: Rich life should also have the protection of critical illness, that is to say, if the child unfortunately suffers from the critical illness stipulated in the contract, once diagnosed, the company will give a claim, generally speaking, it is 100,000 (at least my friends buy this insurance are 100,000) and then there is life insurance, that is, there will be compensation for unfortunate death, which is generally the amount insured plus the value of the account at that time.

Hello, honored with your question! Ping An Zhifu Whole Life Insurance (Universal, B, 2004) (discontinued) Individual insurance coverage for those who meet the underwriting conditions, lifetime insurance life, universal whole life insurance, and death protection. Product DescriptionInsurance LiabilityDuring the validity period of this main insurance contract, we assume the following insurance liabilities:

In the event of the death of the insured, we will pay the "death benefit" according to the insured amount at the time of death, and the main insurance contract will be terminated.

Summary. Hello pro is happy to answer for you, the interest is calculated through the interest rate, the settlement interest rate is announced monthly, the settlement rate value announced this time is only for August 2022, and does not represent future investment income.

How to calculate the interest of Ping An Zhifu Life Whole Life Insurance Universal B to 2022.

Hello pro is happy to answer for you, the interest is calculated through the interest rate, the settlement interest rate is announced monthly, the settlement rate value announced this time is only for August 2022, and does not represent future investment income.

Ping An Zhifu Life Whole Life Insurance is divided into two types: Ping An Zhifu Life Whole Life Insurance Universal A 2004 (Anxin Retirement Pension Accumulation Plan) and Ping An Zhifu Whole Life Insurance Universal B 2004 (Xinxin Children's Growth Fund Reserve Plan). A certain amount of insurance will be deducted according to age and other conditions, and the older the age, the higher the cost of protection, so the same method B policy is in effect longer than A.