Sunshine Life Sunshine Shine Insurance D Participating 5 year insurance period, how much do you want

Xueba talks about insurance, focusing on insurance evaluation! It is best not to lose part of the premium due to the loss of part of the premium due to the wrong insurance, such as these critical illness insurance products, it is easy to step on the thunder if you do not consider it carefullyTop 10 [Not Worth Buying] Critical Illness Insurance Points!

It is recommended not to return, there is a loss if you return, you can only refund the cash value, or you need to consider carefully. Before surrendering, you can have a detailed understanding of the surrender of the policy

Some people always sign a contract with a wave of their hand when they buy insurance, but later they will want to surrender the insurance because they are not satisfied with the insurance they bought. Surrender is also a big deal, you can't be casual, the knowledge points about surrender are all in this article, don't miss it again".How to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Surrender often results in a certain amount of financial loss, but there are exceptions, such as the following:

1.Cooling-off period surrender:The hesitation period is usually about 10-15 days, generally speaking, there will be this time when you buy insurance, and surrendering the policy within this period will generally not cause the loss of premiums;

2.Sales misleading:If the salesman's operation is not standardized when buying the insurance, and the signature in the insurance contract is not signed by the person, it is very likely that the full amount will be refunded.

If it is not in these two cases, a certain degree of economic loss is unavoidable, and what can be done is to minimize the loss as much as possible, such as choosing to reduce the amount and pay it off

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

This will result in less than surrender loss, but this method is not universal and needs to be confirmed with the insurance company for specific circumstances.

In addition,These situations are also special attention to when surrendering the policy:

Often, it is best to buy a new insurance policy and return the old one after the waiting period has passed, so as to avoid missing risk protection along the way.

2.Health Status:If the health is not very good, it is very likely that the health notice of the new insurance will not be passed, and it is not recommended to surrender the insurance in such a situation.

3.Payment card balance:If the determination to surrender the policy will not waver again, you should clear the bank card that was bound to pay the insurance premium, so as to avoid being deducted when the insurance is not successfully surrendered.

There are many more surrender details that we need to pay attention to, so I won't go into detail if I want to know, but if you want to know, you can learn more about it in this articleWhat are the details to pay attention to when surrendering an insurance policy? Hope!

Industrial and Commercial Bank of China. Buy sunshine d insurance, 25,000 yuan, paid at one time. Five years. Principal Dividend. 29,768 yuan. 25,000 yuan deposited in the bank for five years, with interest of more than 6,000 yuan. Therefore, it is not suitable to be deceived into buying participating insurance.

Surrender only the cash value is refunded, which is usually a very small sum of money.

1. Sunshine 10-year insurance is a participatory product, which has the functions of financial management and health protection. This plan focuses on the investment philosophy of "investing a little bit every year, and making a big contribution in the future", so that people can invisibly solve major problems in life - such as health, pension, education, etc. while managing their finances easily.

2. Sunshine Insurance's 10-year dividend product has both insurance protection and investment and financial management functions, and healthy people who are generally 30 days old to 65 years old after birth can be insured, which can provide you with self-driving accidents, aviation accidents, critical illnesses, hospitalization and other protection, and at the same time, after the expiration of the insurance period, you can also get the maturity insurance money.

Extended information: 1. Features of Sunshine Insurance products:

1.Three, five and ten years of payment, respectively, the annual return of the basic sum assured, income guarantee, safe and secure. It will also increase every year with the distribution of dividends, and it will be more joyful!

2.Maturity Repatriation:

At the end of the insurance period, all the premiums paid + dividends will be refunded, and all the incremental income will be returned, and wealth will be accumulated, and the dream will come true.

3.High times guarantee and safe escort.

2 times the general accident benefit, 3 times the self-driving accident benefit, 5 times the aviation accident benefit. You can also choose additional critical illness protection and additional hospitalization medical expense reimbursement products for comprehensive protection of health and financial management.

4.Policy Loan Funding flexibility.

When you need money urgently, you can apply for a policy pledge loan to solve your urgent needs, while you still continue to enjoy the benefits of insurance protection, survival benefits, and annual dividends.

5.Annuity collection is worry-free.

At the end of your coverage, you can apply to convert some or all of your maturity benefits into an annuity to help you enjoy your old age.

2. Can I get back the principal after the expiration of ten years?

Sunshine Insurance is not able to get back the principal. It can only be said that the income of the insurance you are insured can reach or exceed your principal. At the same time, whether the insurance income can reach or exceed the principal depends on the type of insurance invested.

If you need to surrender your policy, you can check the Cash Value page of your insurance plan to see if the cash value for 10 years is greater than or equal to the principal.

If you buy critical illness insurance, it is better to pay for 10 years and reach the principal amount in cash for at least 30 years. If you buy an increased life insurance product, with a ten-year payment period, there is basically no problem in returning the principal of the cash value in the 9th year, and there is not only no loss after paying the premium, but also a little interest.

It is suitable for people aged 30 days to 65 years old, and provides three payment methods: 3 years, 5 years and 10 years, and customers can choose flexibly according to their own conditions.

The insurance provides customers with survival insurance money, and the annual return of survival insurance amount under different payment methods is different: customers who choose the three-year payment method will be refunded by the insurance company 4% of the basic insurance amount as survival insurance money every year; If you choose the five-year payment method, the insurance company will return 6% of the basic sum insured as a survival insurance benefit every year; If you choose the 10-year payment method, the insurance company will return 8% of the basic sum insured as a survival insurance benefit every year. When the customer survives to the expiration of the insurance period, the insurance company will return all the premiums paid + all the incremental income accumulated from the dividends as the maturity insurance money.

The dividends of insurance companies, depending on the profitability of each insurance company, are uncertain.

The annual payment is the same as 3k, and the base of the dividend is cumulative, 3k in the first year, 6k in the second year, and the dividend is a dividend every year, and the amount of money is uncertain, which is linked to the performance of the insurance company. The money from the dividends can be withdrawn, but not much. In the fifth year, the money is withdrawn, which is a surrender, and there will definitely be a loss in surrendering, and the cash value of the policy and the dividend money will be returned.

The cash value can be queried in the insurance contract. It is not recommended to surrender the policy, and it is best to withdraw the money at the end of 10 years.

Sunshine Life is a ** company, I met one, hit a ** came to ask my name to send insurance, I was afraid to meet ** just said a name he really gave the pseudonym insurance, after a month or so suddenly sent a message asking me to pay more than 8,000 yuan of insurance, fortunately I didn't leave my real name, tell you, that is a ** company, 5 years? Five years later, it's a question of what the hell this company is not or not.

Summary. Dear, I'm glad to answer your <>

Sunshine Life Sunshine 10-Year Insurance Participating Type, 1. Sunshine 10-Year Insurance is a future-paying and participating product, which has the functions of financial management and health protection. This plan focuses on the investment philosophy of "investing a little bit every year, and making a big contribution in the future", so that people can easily manage their finances while invisibly solving major problems in life stages - such as health, pension, education, etc.

Sunshine Life Sunshine 10-Year Insurance Participating Type.

Dear, I'm glad to answer your <>

Sunshine Life Sunshine 10-Year Insurance Participating Type, 1. Sunshine 10-Year Insurance is a future-paying and participating product, which has the functions of financial management and health protection. This plan focuses on the investment philosophy of "investing a little bit every year, and making a big contribution in the future", so that people can easily manage their finances while invisibly solving major problems in life stages - such as health, pension, education, etc.

2. Sunshine Insurance's ten-year dividend product has both insurance protection and investment and financial management functions, and healthy people from 30 days to 65 years old after birth can be insured, which can provide you with self-driving accidents, aviation accidents, major illnesses, hospitalization and other protection, and at the same time, after the expiration of the insurance period, you can also get the maturity insurance money.

Pro, Sunshine Life Insurance Co., Ltd. (hereinafter referred to as Sunshine Life) was formally approved by the China Insurance Regulatory Commission in July 2007, initiated by Sunshine Insurance Holding Co., Ltd., and established on December 17, 2007, a national xing professional life insurance company, with a registered capital of 100 million yuan, mainly engaged in life insurance.

What happens after 10 years.

Those who have paid for more than ten years are generally guaranteed, so they can return to their principal after expiration; You can get the principal back.

First of all, it is recommended that you check the relevant insurance liability clauses of Sunshine Life Wealth Heirloom B Annuity Insurance to understand how the benefits are calculated and the minimum standards for protecting the benefits. If it does fall below the minimum benefit threshold, you can contact Sunshine Life Wealth Customer Service** or call the customer service of your local insurance company** to confirm if a claim is necessary. Secondly, if the return is less than expected, it is recommended that you adjust your investment portfolio, reduce the cash investment products in the existing portfolio, and increase the investment varieties such as ** and bonds with higher returns, so as to improve the yield of the investment group.

Finally, investment requires patience, and investors should regularly check the positive benefits of the investment portfolio, adjust the investment portfolio in a timely manner, and appropriately increase the risk investment to obtain higher returns.

Summary. Yes, Sunshine Wealth Annuity Insurance Section B (participating type) can be taken for 5 years, but it is not necessary to receive all the premiums paid. The details are as follows:

1. The protection period of Sunshine Wealth Annuity Insurance Section B (dividend) is until the age of 100, and if it is paid for 5 years, it can only be processed according to the surrender. 2. Sunshine Wealth Annuity Insurance Section B (dividend) is withdrawn in 5 years, and if the policy is surrendered, it is the cash value and survival fund, if there is a universal account, the surrender is the total survival benefit, that is, the sum of the cash value and the universal account value, not necessarily all the premiums. 3. Sunshine Wealth Annuity Insurance B dividend-paying type, if there is no additional universal value, paid for 5 years and not withdrawn through surrender, can only be received in accordance with the agreement, after the hesitation period to before the age of 60, according to 10% of the sum insured, after the age of 60 is to receive 20% of the sum insured, if there is a universal account, the returned survival fund will enter the universal account for secondary value-added, if it is taken out after 5 years, you can partially receive the universal account.

What to do if the income and expectation of buying Sunshine Life Insurance Company's Wealth Heirloom B Annuity (Participating) Insurance are 53% less than five years later.

Yes, Sunshine Wealth Annuity Insurance Section B (participating type) can be taken for 5 years, but it is not necessary to receive all the premiums paid. The details are as follows: 1. The protection period of Sunshine Wealth Annuity Insurance Section B (dividend) is until the age of 100, and if it is paid for 5 years, it can only be processed according to the surrender.

2. Sunshine Wealth Annuity Insurance Section B (dividend) is withdrawn in 5 years, and if the policy is surrendered, it is the cash value and survival fund, if there is a universal account, the surrender is the total survival benefit, that is, the sum of the cash value and the universal account value, not necessarily all the premiums. 3. Sunshine Wealth Annuity Insurance B dividend-paying type, if there is no additional universal value, paid for 5 years and not withdrawn through surrender, can only be received in accordance with the agreement, after the hesitation period to before the age of 60, according to 10% of the sum insured, after the age of 60 is to receive 20% of the sum insured, if there is a universal account, the returned survival fund will enter the universal account for secondary value-added, if it is taken out after 5 years, you can partially receive the universal account.

If it is written into the contract, you can directly contact the CBIRC for complaint handling.

It is the amount of money that can be earned by handwriting on the policy by the salesman of Sunshine Life Insurance Company until five years.

It's useless for a salesman to write, it's like you go to the bank to deposit money, and the bank teller writes it on paper, and it doesn't make any sense in the end.

The salesman who bought the insurance signed it and had his name.

But is the salesman still there?

Hmm, how much is the difference ?

The salesman is still there, and he also helped me negotiate this matter with the company.

Well, yes, how much is it worse than expected?

My suggestion is to ask the company to give an explanation, and then file a complaint with the CBIRC.

The difference is 20,000 yuan.

You can file a complaint with the China Banking and Insurance Regulatory Commission or find a lawyer to consult to protect your legitimate interests.

Didn't you say that what the salesman wrote was useless.

That's right, so you're looking for a company.