Where is the deception of the participating E insurance?

The reason why many people think it is deceptive is because the premium has not been paid, or the policy is surrendered early, so you can only return the cash value, and you cannot return all the premiums you have paid. There is a fee for providing you with protection. The reason why you don't see the income until ten years later is that your dividend income is greater than the protection cost you spend after ten years, and generally speaking, the longer the time, the more dividend income.

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Hello! The Fortune Insurance Wealth Management Plan consists of Fortune Pension Insurance (Participating) and Fortune Annuity Insurance (Universal), which is suitable for a wide range of people, from 28 days of birth to 65 years old. There are three payment methods: 3 years, 5 years, and 10 years. The plan focuses on helping families plan their wealth, and the product features are very distinct, as follows:

Short-term payment and long-term income.

The payment period is divided into 3 years, 5 years and 10 years, and the company pays the survival insurance, the expiration bonus insurance and the maturity insurance during the validity period of the Hezhong Dayingjia Insurance (Participating Type) contract; The above-mentioned insurance money can be entered into the account of Hezhong Dayingjia Annuity Insurance (Universal Type), and compound interest will accumulate until the insured survives to the age of 88. For the first three policy years, the minimum guaranteed interest rate is; Starting from the 4th policy year, the minimum guaranteed interest rate will not be lower.

Double value-added compound interest accumulation.

Hezhong Daying Family Insurance (Participating) adopts the method of insured amount dividend to increase customer rights; As the sum insured increases, so do the three types of survival annuities; Moreover, the funds that enter the account of Hezhong Dayingjia Annuity Insurance (Universal Type) are accumulated with compound interest to earn interest.

Secure, robust, and flexible management.

Hezhong Daying Family Insurance (Participating) pays three insurance premiums as annuity income in proportion; The funds in the Hezhong Dayingjia Annuity Insurance (Universal Type) account can be freely used by customers according to their needs (there is no handling fee for partial withdrawal and surrender after the contract has been effective for three years).

Wealth inheritance, the continuation of love.

Parents can plan the future capital needs of the baby in advance when they choose the Daying Home Insurance financial plan, and the funds can be used to enter the universal account when not in use, and accumulate interest according to the compound interest method, and can accompany the baby to his 88 years old, reflecting the parents' long-term love for their children.

Hezhong Daying Home Insurance is suitable for people at all levels to buy, not only to help customers accumulate wealth, but also with a high amount of accidental death protection for public transportation, which can well escort family wealth.

If you need more information, you can contact us.

Have a free consultation!

It's true, the expiration will be much higher than the bank interest, because there are dividends, even if this year's profits are not good, there will be no loss of money if you don't have much friction, and the bank interest is about the same, but the dividends will definitely have, but you can't estimate the number, but you have to remember that it is taken at the end of the period, if there is no period to use the money in a hurry, then you can also take it, but you will be very cost-effective, and there is a way to get a mortgage, you can apply like an insurance company, the interest on the loan and the dividends you call are basically the same, I don't know if I can help you!

Xueba talks about insurance, focusing on insurance evaluation! In 2020, the latest 35 participating insurance products and 101 popular critical illness insurance products were compared35 participating insurances competed with 101 mainstream critical illness insurance, to friends who know this article.

I believe many people have heard of participating insurance, but how many people really know what participating insurance is? Let's take a look at what is sacred about participating insurance:

Participating insurance, literally: Participating insurance is a type of insurance with dividends, that is, when the insurance company makes money, it distributes part of it to customers who have purchased participating insurance. The insurance that has both protection and returns dividends has made many people excited.

Just listening to the word "dividend", is it going to feel good, I paid the money, not only guaranteed, but also dividends However, when you buy, you are often confused by the demo interest rate, in fact, almost no one can get the expected return.

Clause.

1. It is difficult to receive dividends from dividend insurance.

Second, the dividend pool is not transparent.

It is precisely because of the existence of these two characteristics that it is difficult to earn dividends and rotten stove insurance, and therefore makes dividend insurance the most complained about by everyoneWhy is participating insurance a "high-incidence area" for insurance?

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!

That's all for me"What does it mean to have both Hong Yongfeng Insurance (Participating)."All, look!

Insurance Liability During the term of this main contract, we assume the following insurance liabilities:

Maturity Survival Benefit If the insured is still alive at the end of the insurance period, we will pay the maturity survival insurance benefit according to the basic insurance amount of this main contract, and this main contract will be terminated.

Death of Illness Benefit If the insured dies due to illness within 180 days of the effective date of the contract, we will refund the premium paid by you without interest, and the main contract will be terminated.

If the insured dies due to illness 180 days after the effective date of the contract, we will pay the insurance money according to the basic insurance amount of the main contract, and the main contract will be terminated.

Accidental Death Benefit If the insured suffers an accidental injury and dies due to the accident as a direct and separate cause within 180 days from the date of the accident, we will pay the insurance benefit at twice the basic sum insured and the main contract will be terminated.

Traffic Accident Death Benefit If the Insured suffers an accidental injury while riding a legal commercial transportation vehicle as a passenger, and dies within 180 days from the date of the accident due to the direct and separate cause of the accident, we will pay the traffic accident death benefit in addition to the above-mentioned accidental death insurance benefit according to the basic insurance amount of this main contract, and this main contract will be terminated. Judging from the insurance responsibility, the principal can definitely be recovered, but only dividends can be received from the insurance company, and bank interest does not seem to be in the insurance income.