Is it reliable to buy life insurance, can you get the money back when the deadline is reached?

You can buy any life insurance is reliable, what kind of insurance you buy, you have to understand, insurance is protected by law, there is no money that cannot be returned when it expires

Buying life insurance is a responsibility for oneself and a kind of care for one's family, what you say is unreliable, I think there are two problems with your view, 1: you think that you are young and will not have diseases and accidents, 2: is what you have heard about insurance is a lie?

So I ask you, which comes first, risk or tomorrow? Don't you have anyone around you who is seriously ill? You can get it back when the insurance payment is due, so what's the point of you buying insurance?

It's better to save money in the bank. Hopefully, you're seriously considering your decision.

Look at what kind of insurance, if it is a consumption-based one, it can't, if it is a savings + dividend-paying life insurance, dividends every year, more and more, the older you are, the more valuable you are, you can get it back! Learn more about 13377356051.

This bar can't be generalized, depending on the specific product liability. Term life is generally consumer-oriented, consumer-oriented is cheap, highly leveraged, and there is no insurance at maturity, so there is generally no money to take; Lifetime is generally the money that can only be obtained after the person is old, and of course the money is given to the beneficiary; The current annuity insurance, which is also a type of life insurance, may be able to get money every year; There is also a kind of increased whole life, which is generally agreed to withdraw money at any time by reducing the sum insured after the expiration of the payment period, so different products, the protection responsibility is different, depending on the specific product.

What type of insurance do you have? The ones that can't be taken back are all consumer-based, and some of them are life-long guarantees, which can be left to the next generation.

Hello! The insurance is carried out in strict accordance with the terms of the insurance contract and is supervised by the insurance regulatory authority. The first thing to be protected by law depends on what kind of insurance you have purchased, and if it is consumer-oriented, the principal will not be refunded at maturity.

In the case of savings and insurance insurance, the principal will be refunded at maturity. For more information, please contact us.

As long as it is on time, you can get it back at the appointed time.

If you buy health insurance, you can get back the participating insurance, only the accident insurance is consumption-based.

Insurance contracts are the most reliable, so don't worry.

There are contracts, and the state strongly recommends insurance, so you can buy insurance with confidence, mainly to buy protection insurance first.

The pure consumption type can't get it back, and the rest can basically get money.

Life insurance is the safest, it is a central enterprise, as long as the Communist Party is in it, there is no same topic.

Xinhua multi-time insurance, the industry's unique 7 claims. There is also cash value. After a certain period of time, it is higher than the principal.

When you buy life insurance, you will have an insurance contract, and the contract represents the law

It depends on whether you buy term life insurance or whole life insurance.

Life insurance contracts are protected by national laws

Except for consumption, it can be returned when it expires.

Insurance is not used for profit!

He is used to protect you, you and the money earned.

One day in the future, you will be able to face the risk in stride.

You can't look at the type of insurance Consumer products can't.

If it is a regular maturity interest rate hike reversal,

There is an insurance law, there is a contract, insurance.

According to the terms of the contract, the insurance company is a formal financial institution and is supervised by the national agency CIRC, so unlike private lending or pyramid schemes, the insurance company has absolute security and legal protection, which you can rest assured.

Very reliable Hello! The insurance is carried out in strict accordance with the terms of the insurance contract and is supervised by the insurance regulatory authority. The first thing that is legally protected depends on the type of insurance you have purchased.

Hello! Buying insurance is buying protection, not to make money, if you want to make money, it is recommended that you buy a little financial products.

Each type of insurance varies.

What kind of insurance did you buy.

If you don't buy insurance, it's unreliable, will so many people buy it?

Summary. Hello, I am glad to answer for you, life insurance can be bought, not a lie, life insurance is a kind of life insurance, with the life of the insured as the subject of insurance, and the life or death of the insured as the payment condition. As with all insurance businesses, the insured passes the risk to the insurer, accepts the insurer's terms and pays the premium.

Can I buy life insurance? Why do so many people say that insurance is a scam?

Hello, I am glad to answer for you, life insurance can be bought, not a fraud and jujube people, life insurance is a kind of life insurance, with the life of the insured as the subject of insurance, and the life or death of the insured as the payment condition of the life insurance of the insured. As with all insurance businesses, the insured passes on the risk to the insurer, accepts the insurer's terms and pays the premium.

The types of insurance are classified according to the nature, purpose, and object of the insurance business, the requirements of the insurance laws and regulations, and the historical customs. There is no fixed principle and unified standard for the classification of insurance business in the world, and countries usually adopt different classification methods according to their own needs. The method of dividing the big and hidden is first divided into two categories: personal insurance and damage insurance according to whether the subject matter of insurance is a person or a thing.

Whether life insurance can be purchased or not depends on personal needs and financial circumstances. Life insurance is a kind of life insurance, which takes the survival and death of the insured as the payment conditions, and can transfer the survival of the insured, such as pension or economic risks caused by death. In addition, insurance is not a fraud, and if the claim conditions are met, the insurance company will generally settle the claim normally.

The small partner who says that insurance is a deception may be because he bought the wrong type of insurance, or the claim was denied. It should be noted that the purchase of insurance should still be subject to the contract, rather than the verbal promise of the insurance salesperson. Don't know enough about insurance?

Then you can't miss this super comprehensive science:

Ultra-complete! Everything you need to know about insurance is here

Life insurance is generally divided into term life insurance, whole life insurance, comprehensive insurance, annuity insurance, etc. Term life insurance refers to a type of insurance that mainly provides regular death or total disability protection for the insured, with relatively low premiums, and can buy higher sum insured with lower premiums, which is cost-effective. Whole life insurance mainly provides lifelong death or total disability protection for the insured, which has both protection and financial management functions, but it should be noted that the premium of whole life insurance is more expensive.

What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article!

Endowment insurance is a kind of insurance that can provide both survival and death protection for the insured, and if there is no claim for insurance after the expiration of the insurance period, the insurance company will generally return a sum of money to the insured. Annuity insurance requires a one-time or regular premium payment, and the insurance company will pay a sum of money to the insured on a regular basis after the specified period. Some friends will find that the comprehensive insurance and annuity insurance may be somewhat similar in terms of protection content, so what is the difference between the two?

For those who don't know, you may wish to take a look at this popular science article:

What is the difference between endowment insurance and annuity insurance? A detailed explanation!

That's all there is to it! Hope that helps!

Hope!

First of all, we need to talk about insurance knowledge! The full name of Chinese Life Insurance is Chinese Life Insurance Shares****. Mainly responsible for life insurance and life insurance.

Chinese People's Insurance is the abbreviation of Chinese People's Property Insurance Shares, which is mainly responsible for property insurance. Both Chinese Life and Chinese Insurance are affiliated to Chinese People's Insurance Group Corporation.

Again, your question is a bit one-sided. If you have time, you can flip through the "Insurance Law" promulgated by the People's Republic of China to see, which is clearly stipulated in Article 85 of Chapter III.

As for whether you have committed fraud or not, I am afraid that it will only be possible after everyone has complied with the law. In the current society, no company can completely guarantee that there is no fraud, as long as there are ** people, there will inevitably be fraud. The insurance industry is an industry with high self-discipline requirements, and it is difficult to avoid fraud if you encounter some people who are prone to short-circuiting of the brain and people who are not right-minded.

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

To save money is to save money, life insurance

At the time of purchase, there must be an insurance contract or insurance policy, if it is specifically said that saving money in a bank-owned bank becomes buying life insurance, it means that the customer is confused by the insurance product introduced by the insurance practitioner working in the bank, and buys the insurance product without figuring out the real situation.

If you do buy life insurance, there will be an insurance contract. From the date of getting the official contract, 10 days is the hesitation period of the insurance, as long as you want to return, there is no loss. If you want to surrender the policy after the cooling-off period, the loss will be significant.

Generally speaking, the insurance period of life insurance is relatively long, and when a risk occurs, it is generally necessary to seek compensation from the insurance company by virtue of the insurance contract; If there is no risk, then after the expiration of the insurance, the contract can be settled by the insurance company for cash value.

The insurance company will send you the insurance policy, which is the insurance contract, and go to the insurance company to collect it after the contract expires.

What you apply for is a periodical payment insurance, which is transferred once a year, and you can go to the bank with the policy, ID card, and passbook after expiration.

After maturity, the principal can be withdrawn, and at the same time, you will get an annual dividend income.

What bank did you pay it into, did you start with a contract, did you sign the contract and put your fingerprint on it? If you don't have your consent, you can complain. And ask for the money to be returned.

I don't know what kind of insurance you buy in the bank for Chinese Life, how much money you need to pay, what version of protection is there, when it expires, you can call Chinese Life has a service **95519 consultation, if it expires you also call 95519 to ask him to help you go through the procedures, if the contract expires to receive the principal can be returned, if it has not expired and wants to get the money can only get the cash value.

Life insurance is certainly useful.

1.Definition of life insurance: Life insurance is the most important one of many insurance varieties, which takes human life as the subject of insurance, and life and death as the insurance of insured accidents, also known as life insurance, life insurance transfers the risk of survival or death of the insured.

It is a social security system, and it is an insurance business that takes people's lives and bodies as the object of insurance.

2.The function of life insurance: from the perspective of the whole society, there will always be some people who have accidental injuries, there will always be some people who are sick, and various dangers are threatening people's lives at any time, so we must adopt a method to deal with personal danger, that is, to give certain material help to people and their families in personal danger, life insurance belongs to this method.

It is characterized by the conclusion of insurance contracts, the payment of insurance premiums, the provision of protection to the insured in order to enhance the ability to resist risks, the preparation of family financial plans, and the construction of psychological defense for the families of the insured.

Therefore, to sum up, life insurance has a vital protective effect.

In life insurance, the two most common types are term life insurance and whole life insurance. Life insurance is mostly based on the death of the insured, so life insurance is bought for the family in order to leave a sum of money to the family after the death of the insured, and provide financial security for the subsequent life of the family on behalf of the insured.

The specific role of purchasing commercial insurance can be summarized as follows: risk avoidance, asset preservation and effective means of financial planning. 1. Insurance can avoid risks.

By purchasing adequate insurance, we can protect ourselves and our loved ones in the event of an accident or loss of earning capacity, so that we can continue to live a better standard of living to the greatest extent. 2. Purchasing insurance helps to preserve assets. With the ever-changing market environment, the risks of business operation are everywhere, and people's assets, especially the business owners and self-employed people who run their own enterprises, are easy to shrink their assets due to poor management or turbulent financial environment.

3. Insurance is also an effective means for people to carry out financial planning and prevent inflation. By purchasing some participating insurance, wealth management products carry out financial planning and prevent inflation.

Agreed, people are like this nowadays, they feel that it is useless to buy insurance, and they only know that insurance is good when something happens. When you have something, do you think you can still buy it? Why do you think anyone can buy insurance?

And the words war, turmoil, show that you don't know your country yet. I hope you will learn more about the development of society. Don't stay where you are.

Insurance is bought when you don't want to use it, no one wants to use it, and if you use it, it proves that you have a problem, and why not buy a safe one for more than a thousand a year?

Hello, Chinese Life Insurance is not a lie. Chinese Life Insurance is a state-owned super-large financial and insurance enterprise, headquartered in Beijing, the world's top 500 enterprises, China's top 500 brands, is a leading financial enterprise. The predecessor of the company was the original Chinese People's Insurance Company, which was established in 1949, and was divided into China Insurance Life Insurance **** in 1996, and changed its name to Chinese Life Insurance Company in 1999.

Appeared on the market as an independent brand. In 2003, the former Chinese Life Insurance Company was restructured and changed to Chinese Life Insurance (Group) Company.