Can Tianan Property Baoying No. 1 Investment Family Property Insurance be refunded after two years?

Did you buy a two-year one?

You're talking about Tianan's "Baoying No. 1" financial insurance product, right?

Its interest rate is somewhat higher than the bank's interest rate for the same period. It is fixed-income. The so-called "fixed income" means that the income is locked. No matter what happens, no matter what the economy is, a year later, it's all about getting so much gains. It can be said that there is no risk.

It's not the same as some of the so-called "expected returns". The "expected return" is only a reference figure, and the final return will be different. If the economic environment is not good, the returns may be low. This is not the case with fixed income.

At the same time, if you buy this product, you will get a home property insurance, and if you have a fire or typhoon damage at home, you can claim directly from Tianan Insurance through the bank or yourself. For specific terms, you can look at the policy that the bank gives you.

If you buy it for two years, you won't get your money back until two years later. Applying for early surrender of the policy will not only be not, but there will also be a loss of principal. This is the disadvantage.

So, don't buy this if your money might be useful in the short term. Or deposit in the bank. If you have money to spare, it's useless in peacetime.

Consider buying this.

If you have any questions, you can continue to ask me.

Yes, I bought ......It's due tomorrow.

Limited solvency, web links.

Assess the risk yourself.

Summary. Whether the insurance will be automatically surrendered if the insurance is not paid at the expiration depends on the actual situation:1

If it is a one-year insurance product, the insurance will be automatically withdrawn if the insurance is not paid at the expiration date; 2.If it is a long-term insurance product, the insurance will not be paid when it expires, and there is a grace period of 60 days, during which the policy is still valid, but if the grace period has passed and the premium has not been paid, then the policy will be temporarily invalid, but the policyholder still has a 2-year policy reinstatement period, if the reinstatement period has not been paid, then the policy will be completely invalid, which is equivalent to automatic surrender, and the insurance company will refund the cash value of the policy.

Whether the insurance will be automatically surrendered when it expires or if it does not pay the premium, it depends on the actual situation:1If it is a one-year insurance product, the insurance will be automatically withdrawn if the insurance is not paid at the expiration date; 2.

If it is a Zheng Jian long-term insurance product, the insurance expires without payment, and there is a grace period of 60 days, the policy is still valid during the grace period, but if the grace period has passed and the premium has not been paid, then the policy Biwu will be temporarily invalid, but the policyholder still has a 2-year policy reinstatement period, if the reinstatement period has not been paid, then the policy will be completely invalid, which is equivalent to automatic surrender, and the insurance company will return the cash value of the policy.

I bought Tian'an Win No. 1 investment family property insurance 2 years, I forgot when it expired, but it must have expired, I want to check it with dust, prompting that Bao Pei You's single does not exist, what's going on? Can I still recover my principal?

Hold on. The premium cannot be refunded in full at the end of the policy, but the principal can be recovered.

I say that my policy does not exist, what can I do to get the principal back?

If the customer loses the insurance contract, he can apply to the insurance company to reissue a new one, and the cost of production will generally be charged 10 yuan. If you lose the payment invoice, you can also ask the insurance company to reissue it. General invoices are not necessary proof of claims, as long as the insurance company can find out that the payment has been made, it will basically not affect the insurance interests.

If you want to surrender the policy, you will have to apply for a replacement policy. The specific surrender process is as follows: 1. When the policyholder requests to terminate the contract, he or she shall fill in the application form for termination of the contract and submit the insurance contract and the legal identity certificate of the policyholder.

2. The contract shall be terminated when the insurance company receives the application for termination. If the policyholder requests to terminate the contract within 10 days after signing the insurance policy, the insurance company shall refund all the insurance premiums received to the policyholder within 30 days from the date of receipt of the application for termination. 3. The policyholder shall request the termination of the contract ten days after signing the insurance policy, and the insurance company shall refund the cash value of the contract to the policyholder within 30 days from the date of receipt of the application for termination of the contract.

Brother Bao said insurance, focus on insurance evaluation! The list of domestic annuity insurance products was painstakingly collected and sorted out by me to make a list, >>

The interest rate of Tianan Property Insurance Baoying No. 1 is adjusted with the regular interest rate of the People's Bank of China, but the income is fixed, and the risk is small

The nature of Tianan Property Insurance Baoying No. 1 is an investment-based wealth management product, which mainly includes investment-based family car driving remorse front car accident injury insurance, Baoying No. 1 investment-type family property insurance and Baoying No. 1 investment-type traffic accident injury insurance.

Specifically, this product has two functions: accident protection and investment and financial management. If an accident occurs, you will receive compensation, and if there is no accident, the insurance money will be refunded.

It seems to sound good, but in fact there are many doubts, should the accident insurance be purchased in Biqing? How do I buy potato? What are some good accident insurance recommendations for >>?

Top 20 best-selling accident insurance in 2020!

Then we can take a look at the specific content of this product (as shown in the picture on the right):

From the specific content, this insurance has the following benefits:

1) It has two functions: this product can play the role of protection and investment. Investment + traffic accident insurance, investment + property insurance, investment + driver accident insurance represent the basic matching model of this product.

2) The amount of insurance is relatively high: the maximum amount of insurance reaches 600,000, and with the interest rate adjustment of the central bank, the income is relatively stable.

However, some of the clauses are untenable, and here are the shortcomings:

1) Poor flexibility: Although it has a financial management function, it is always an insurance product and cannot be easily withdrawn.

2) Weak focus: The word "insurance" in insurance is used to resist risks, not to manage money, and you can't want to use insurance to make money.

On the whole, the focus of this product is somewhat scattered, and the accident protection is not comprehensive, and the yield is not very ideal. When it comes to insurance that can manage money, it must be annuity insurance. Not much to say, go directly to the ranking of annuity insurance, quickly collect it and read it slowly: >>

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Tianan Property Insurance "Baoying No. 1" investment-type family property insurance is unreliable, but it is not credible, and you can rest assured that it will not deceive people. Insurance companies can't deceive people, it is absolutely formal, because there is the supervision and management of the China Banking and Insurance Regulatory Commission, so it will definitely settle claims smoothly in accordance with the contract. Moreover, the establishment of an insurance company requires at least 200 million funds (laws and regulations are clearly written), and I believe that those reliable insurance companies are because they have the absolute strength to pay enough money.

Let's take a look at the detailed product introduction:

Tianan Property Insurance Baoying No. 1 is an investment-oriented series of wealth management products, which mainly includes investment-type family car driver accident insurance, Baoying No. 1 investment-type family property insurance and Baoying No. 1 investment-type traffic accident insurance.

To put it simply, this product has the dual functions of investment and protection. If an accident occurs, you will be compensated, and if you are safe and sound, the insurance money will be automatically refunded when it expires. It seems to sound good, but in fact there are many doubts, is there a need to buy accident insurance?

What are some good accident insurance recommendations before repenting? Top 20 best-selling accident insurance in 2020!

Then let's find out what this product contains

This product has the following benefits:

1) It has two functions: this product can play the role of protection and investment. This insurance can be divided into three different options: investment + traffic accident insurance, investment + property insurance, and investment + driver accident insurance.

2) The amount of protection is relatively high: the income is still relatively stable, reaching a maximum of 600,000, and with the rise and fall of the central bank's interest, it is relatively stable.

On the other hand, there are quite a few vulnerabilities in this product:

1) Poor flexibility: Although it has the function of financial management, this product can only withdraw money when the contract expires.

2) Weak focus: Don't think about using insurance to make money, but think about how to use insurance to protect risks, which is important.

The focus of this product, as well as the guarantee and the rate of return, are not very outstanding. Annuity insurance may be the most suitable choice for consumers who want to buy in the direction of financial management. For more details about annuity insurance, you can check out this article: >>