China Post Time Depositor, PICC Life Insurance, Xinli Annuity Insurance, can I withdraw the B paragr

It is difficult for ordinary people to understand annuity insurance, and one detail will make the yield vary widely. Some products only receive 550,000 yuan in the end after paying a 50w annuity, with an annualized income of only 1%; Some products can even reach an annualized return of 8% after a few years.

For everyone's reference.

Below I will share two tips for choosing an annuity for you:

1.The first thing to do is to choose a high-yield one.

Not to mention why we should buy annuity insurance, since it is a wealth management product, we have to talk about income. Annuity insurance achieves income growth through annuity accounts and universal accounts. Although the process of value-added is complicated, the judgment of annuity insurance income is still through the calculation of IRR yield.

After about 10 years of appreciation, IRR can reach 4% annuity insurance, which is an excellent level in the market.

2.The cash flow of the product should match the time when you use the funds.

Buying an annuity insurance policy will change our cash flow, so there are 4 questions to consider:

How much can I get back for my child's education?

How much money do we receive when we retire?

If you are in urgent need of liquidity, how much cash value can I get back when I surrender the policy?

How much money can be left to a loved one at the end of a century?

Working families can focus on solving 1 or 2 problems, after all, the budget is limited, such as education funds, and the focus is on how much money their children can receive when they go to school.

As a business owner with a large budget, you need to pay attention to the cash value of the annuity product and how much money you can leave for your loved ones after the end of your life.

In fact, there are so many pitfalls in annuity insurance that you can't imagine, even if its product form is very simple. So I specially evaluated a ranking of the top ten high-yield products of annuity insurance:"Top 10 High-yield Annuity Insurance Points This Year! 》

Hope it helps.

That's all for me"China Post Time Depositor, PICC Life Insurance, Xinli Annuity Insurance, can I withdraw the B paragraph after two years"All, look!

Life Insurance Xinlijin Insurance is a fixed-income product, and the cash value of paragraph B is 10,000 yuan, and it is said that after two years, it will take every 10,000 yuan of income and the rate of return.

China Post Time Depositor, PICC Life Insurance, Xinli Annuity Insurance, and Section B can indeed be repaid after two years. How much money can be refunded every year, in fact, it can be repaid after one year.

From the third policy anniversary onwards, an annuity is paid at the rate of 1% of the premium paid on each policy anniversary during the life of the insured. Maturity Insurance Benefit The insured survives at the expiration of the insurance period, and the maturity insurance benefit is paid according to the basic insurance amount, and this contract is terminated. Death Benefit In the event of the death of the Insured, we will pay the Death Benefit to the greater of the premium (excluding interest) and the cash value, and this contract will be terminated.

Yes, PICC Life Insurance Xinli Annuity Insurance is a fixed-income product, and the cash value of paragraph B at the end of two years is 10,000 yuan, that is to say, after two years, your income per 10,000 yuan is, and the rate of return is.

Summary. The Postal Savings Bank deposits 10,000 a year, deposits for three years, and withdraws money in six years, which is not a lie. The post office deposit for three years and six years is a bancassurance product, that is, a certain premium is paid every year, and the payment is continuous for 3 years, and the sixth year expires.

China Post Insurance is a regular insurance company and can be trusted that the insurance income is an estimate that can only be referenced. Insurance asset management institutions carrying out insurance asset management product business must not promise to guarantee principal and returns. In the event of difficulties in payment, insurance asset management institutions shall not advance funds in any form.

1. What kind of insurance does a three-year deposit and six-year withdrawal belong to? The insurance bought is a bancassurance product, which needs to be invested for a long time, and the bank, postal, ** organization and other financial institutions cooperate with insurance companies to provide customers with products and services through common sales channels; Bancassurance products are the integration of different financial products and services, complementing each other and developing together. As a new type of insurance concept, bancassurance embodies the characteristics of strong cooperation and interconnection between banks and insurance companies in financial cooperation.

Bancassurance products are actually insurance that consumers can buy over the counter at the bank. Its biggest selling point is "protection + income", and the earliest insurance product sold through banks is also savings dividend insurance.

Is it regular to save life insurance for three years and six years?

Hello dear! It's regular.

The Postal Savings Bank deposits 10,000 a year, deposits for three years, and withdraws money in six years, which is not a lie. The post office deposit for three years and six years is a bancassurance product, that is, a certain premium is paid every year, and the payment is continuous for 3 years, and the sixth year expires. China Post Insurance is a regular insurance company and can be trusted that the insurance income is an estimate that can only be referenced.

Insurance asset management institutions carrying out insurance asset management product business must not promise to guarantee principal and returns. In the event of difficulties in payment, insurance asset management institutions shall not advance funds in any form. 1. What kind of insurance does a three-year deposit and six-year withdrawal belong to?

The insurance bought is a bancassurance product, which needs to be invested for a long time, and the bank, postal, ** organization and other financial institutions cooperate with insurance companies to provide customers with products and services through common sales channels; Bancassurance products are the integration of different financial products and services, complementing each other and developing together. As a new type of insurance concept, bancassurance embodies the characteristics of strong cooperation and interconnection between banks and insurance companies in financial cooperation. Bancassurance products are actually insurance that consumers can buy over the counter at the bank.

Its biggest selling point is "protection + income", and the earliest insurance product sold through banks is also savings dividend insurance.

It's true. This insurance is Japan Post Bank.

If it is sold on behalf of the company, there will be an insurance contract after the insurance is purchased, and the claim can be made according to the insurance contract. Insurance products that belong to the nature of wealth management do not support withdrawing halfway, and can only be withdrawn with interest after 5 years, and it is a floating interest rate.

Earnings are not fixed. If you want to withdraw money in the middle of the process, it is not recommended to buy this insurance, and you can choose a fixed deposit.

Extended information: Postal Savings Bank's main business.

1. Corporate finance business.

Postal Savings Bank of China.

The main profit of the business is based on the bank's core credit products, providing customers with personalized and innovative financial services. In 2007, the company continued to focus on improving the customer service system, promoting the overall business linkage, strengthening product innovation and implementing management transformation, established the corporate finance sector, and strengthened line management. Postal Savings Bank of China implements the development strategy of serving key large-scale high-quality corporate customers, focuses on long-term cooperative relations with large-scale high-quality customers, and makes it clear that the SME business is an important part of the company's financial business, and is committed to becoming an efficient, professional and capable partner of SMEs to meet the comprehensive needs.

2. Personal financial business.

Mainly for the financial needs of individual customers, we provide services including savings deposits, consumer credit and bank cards.

3. Deposit business.

It is the Postal Savings Bank of China that actively responds to the capital market.

The impact of rapid development on the deposit and source business of RMB companies has been vigorously developed.

4. Loan business.

The Postal Savings Bank of China continued to strengthen the adjustment of the loan structure, increased investment in key support industries, and achieved optimal allocation of credit resources.

5. Financial institution business.

Postal Savings Bank of China focuses on comprehensive cooperation with financial institutions, and provides customers with more comprehensive services through mutual customer referrals, resource sharing and joint development of new products. The Postal Savings Bank of China also operates through New York and Frankfurt.

and Tokyo branch for dollars, euros.

and JPY Clearing, both the above branches and the Singapore branch are local primary clearing banks.

6. International settlement and financing business.

Postal Savings Bank of China has strengthened the linkage between domestic and foreign institutions to achieve rapid development of international settlement and financing business.

7. It respects the financial business of other companies.

The Postal Savings Bank of China provides payment and settlement services, mainly including bank drafts.

Promissory checks, checks, exchanges, bank acceptance drafts, entrusted collections, collection acceptances.

Centralized payment, cheque deposit and bill custody, etc.

After five years, it will be taken out together with the interest, and whether it really depends on the statement of the staff, but whether it is written in the contract signed for the purchase of insurance at that time. The five-year fixed deposit has become a million life insurance wealth management product, which is a typical deposit into wealth management insurance. If you have the financial ability, you can buy participating life insurance; If the financial ability does not allow, try to surrender the policy within the hesitation period, after all, insurance and wealth management products also have certain risks.

Definition of Fixed Deposit:

Time deposits are also known as "certificates of deposit". The bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity. Some CDs can be sold in the market before maturity when the depositor needs funds; Some certificates of deposit are non-transferable and require the depositor to pay a fee to the bank if he or she chooses to withdraw funds from the bank before maturity.

Definition of Life Insurance:

Life insurance is a kind of life insurance, which takes the life of the insured as the subject of insurance and the life or death of the insured as the condition of payment. As with all insurance businesses, the insured passes the risk to the insurer, accepts the insurer's terms and pays the premium. Unlike other insurances, life insurance passes on the risk of survival or death of the insured.

Definition of hesitation period:

"Cooling-off period" means that within 10 days (15 days for bancassurance channels) after receiving the insurance contract, if the policyholder does not agree with the contents of the insurance contract, the policyholder can return the contract to the insurer and apply for revocation. During this period, the insurer agrees to the policyholder's application, rescinds the contract and refunds the entire premium received. This 10 days (15 days for the bancassurance channel) is commonly referred to as the "cooling-off period".

Definition of financial insurance:

Wealth management insurance is a new type of insurance product that integrates insurance protection and investment functions, and is a new type of life insurance. Insurance companies that operate investment insurance make full use of their scale, investment advantages and investment experts to strive for the maximum investment benefits for policyholders. The types of financial insurance carried out in China mainly include participating insurance, investment-linked insurance and universal insurance.

Financial management through insurance refers to the reasonable arrangement and planning of funds through the purchase of insurance, to prevent and avoid financial difficulties caused by illness or disaster, and at the same time to obtain ideal preservation and appreciation of assets.

It's true, though, this product isn't ideal.

It is best to take a closer look at the contract, it is likely to be a product that is more than 5 years old, and the income is not ideal, it is recommended to surrender the policy free of charge during the cooling-off period.

Your estimate is an insurance contract, not a five-year fixed term of the bank, it is recommended not to deposit it, so as not to be deceived.

Don't you have an insurance policy in your hand? Just take a look at the policy.

Postal savings five-year fixed life insurance is an insurance product launched by the Postal Bank, which deposits 10,000 yuan per year, saves for 5 consecutive years, and withdraws the principal of 50,000 yuan and the interest of 6,200 yuan in the sixth year. Moxiang Mausoleum

The name of this product is called participating insurance, but although the product is reliable, this income (interest) is unreliable, because the interest of participating insurance is not fixed, but random.

The interest rate of 10,000 years or more launched by the Postal Savings Bank is a policy business and is not recommended to be saved. The easiest way to tell if it's an insurance policy or a deposit is very simple. If the minimum deposit of 10,000 yuan is a large-amount certificate of deposit of the savings bank, the minimum deposit of the large-amount certificate of deposit is 200,000 yuan, which does not meet the threshold of large-amount certificates of deposit; If it is a savings bank fixed deposit, the savings bank will not give 100% such a high.

Since it is not a deposit business, it is definitely the policy business of the Postal Savings Bank**, and it is recommended not to handle the policy business blindly, and think carefully before acting.

There are still a lot of five-year fixed-term life insurance policies distributed by postal savings, such as Sunshine Life's Golden Stable Profit B Insurance (Participating Type), Huagui Life Insurance's Huagui Profit Insurance (Participating Type), Soochow Life Insurance's Stable Profit Insurance (Participating Type) and so on. What should I pay attention to when buying bank insurance? Click on the link below to find out:

What about bancassurance? Be cautious with all this content!

Some friends want to know how the insurance sold by postal savings is limited, so the senior sister will take Huagui Life's Huagui Profit Insurance (dividend) as an example to give you a brief analysis of this product. This product has a waiting period of 90 days, which is relatively short and friendly to the insured. However, the content of the insurance is actually relatively simple, there are maturity insurance benefits and death limb fiber insurance benefits, and total disability is not covered.

In the unfortunate event that the insured person becomes completely disabled, the insurance company will not be liable for compensation and will need to bear the relevant expenses on its own. Moreover, it has more exemption clauses, with 7 clauses, and some exemption clauses for the same type of products are set at 3 clauses. On the whole, although the waiting period for this product is short, the protection is not comprehensive enough, and you can shop around before insuring it.

If you also want to know more about this product, you can take a look at this professional evaluation:

In-depth review! Is it worth buying Huagui 2023 Good Start Huagui Profit Insurance (Participating)?

In addition to the comprehensive insurance, life insurance generally includes term life insurance, whole life insurance, annuity insurance and other types of insurance. Term life insurance is also a kind of insurance that protects the term of insurance, generally providing 20 years, 30 years, and coverage up to 60 70 80 years old. Term life insurance mainly provides death or total disability protection for the insured, and the premium is relatively cheap, so you can buy a higher sum insured with a lower premium.

So who is term life insurance suitable for? If you want to know, don't miss this article:

What is Term Life Insurance? Who is it suitable for? Everything you want to know is here!