Is it good to have a new C double happiness insurance dividend?

Xueba talks about insurance, focusing on insurance evaluation! The comparison of 35 participating insurance products and 101 popular critical illness insurance products in 2020 is hereComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in China, to friends who know this article.

Participating insurance refers to the insurance company that invests part of the customer's premium, and distributes the investment income to the policyholder according to a certain amount of financial insurance products after deducting the cost, which has both protection and return dividends, which makes many people excited.

Participating insurance is more popular with consumers because it has both protection functions and annual dividends, and the question is, is participating insurance really so good? In fact, the protection function of participating insurance is very weak, and the income is not satisfactory.

The reason is that there are many cognitive misunderstandings that consumers don't know

Clause.

1. The amount of dividends you can get is closely related to the situation of the insurance company, and the worst case is that there are no dividends in the current year.

Second, the dividend pool is not transparent.

The existence of these two characteristics makes the dividends that customers can get an unknown, and the dividend insurance is frequently complained about by everyone, and the reasons are in my articleWhy is participating insurance a "high-incidence area" for insurance?

It's all clear.

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!

That's all for me"Is it good to have a new C double happiness insurance dividend?"All, look!

Different insurance products vary, you can call your desired insurance company** for advice.

If you surrender the policy now, you can only receive the cash value at the end of the corresponding year of the policy, since you have paid the premium, wait until 10 years later, and receive it in a lump sum: basic sum assured + accumulated dividend sum assured + terminal dividend.

Participating insurance refers to a kind of life insurance in which the insurance company distributes the distributable surplus of the previous accounting to the customer in the form of cash dividends or value-added dividends in a certain proportion at the end of each accounting.

The main feature of participating insurance is that in addition to the protection responsibilities stipulated in the policy, the policyholder can also enjoy the operating results of the insurance company, that is, the distribution of earnings obtained by participating in the investment and operation management activities of the insurance company. The China Insurance Regulatory Commission stipulates that insurance companies should distribute at least 70% of the distributable earnings of participating insurance to customers.

The so-called endowment insurance is a combination of life and death, and your income is the survival income and death benefit up to a specified age.

As for dividends, most insurance companies have three ways to receive them:

1. Accumulated interest, that is, the dividends are not taken by the insurance company, so that the dividends are profitable.

2. Paying off the increase means that the insurance company will turn the dividends of the current year into the insured amount according to the age of the policyholder.

3. To offset the premium is to offset the premium payable with dividends.

Fulu" series products highlight the characteristics of "financial management + protection + investment", customers can enjoy "two years of return, fixed income", that is, from the date of purchase, every two years, Chinese Life will pay 10% of the basic insurance amount of survival insurance, as a customer's stable income **, can also enjoy stable company dividends every year, very suitable for family stable financial planning needs. Fulu series products have a wide range of insurance and flexible payment methods, and citizens can choose different payment methods according to their own economic conditions, and can also enjoy perfect life protection during the insurance period. The policy has a loan function to ensure flexible funds, when customers need money urgently, they can apply for a policy loan to obtain emergency cash, and the protection part is still valid.

In addition, the Fulu series products can also be supplemented with two types of insurance: Fulu Double Happiness Early Payment Critical Illness Insurance and China Life Additional Premium-Waiver Critical Illness Insurance. The coverage is extensive, and it truly eliminates the worries of getting sick.

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

Xueba talks about insurance, focusing on insurance evaluation! This comparison table of the latest 35 participating insurance products and 101 mainstream critical illness insurance products in 2020 is given to friends who know the answer when they see this articleComparison table of 35 participating insurances and 101 popular critical illness insurancesParticipating 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. It not only enjoys the protection function in the policy, but also enjoys dividends with the policy.

Indeed, dividend insurance not only has a protection function, but also has an investment function, which is quite popular with consumers, but many friends tell me that "I bought dividend insurance, and now I regret it", because the dividend income is completely out of line with expectations.

First, the fulfillment ratio of dividends is very low, or even non-dividend.

Second, the dividend pool is not transparent.

There are detailed explanations inside.

In the final analysis, dividend insurance is not suitable for beginners, and people who do not have certain insurance knowledge should not blindly insure!

You still have to wait until the expiration to take it out, and if you change it or withdraw it halfway, it will be considered a surrender, and you will not get back the principal at all. He said that 250,000 to 400,000 to 400,000, that's just him. You just hope that the company's dividends will be good in the past few years, but the maturity may be more than that of the bank.

Dividends are not fixed!

Bancassurance maturity repayment + more interest than savings, push the surrender loss of principal!

Insurance financial management is planning different stages of life different economic needs, in addition to the protection function, but also has the function of compulsory savings, special funds, value preservation and appreciation, everyone's life is different, the needs are not the same, the insurance contract is protected by law, hearing is false, seeing is believing, do not be gullible foolish, the 10-day hesitation period after the contract is obtained is to protect the interests of consumers. The amount you will receive at maturity is: Basic Sum Assured + 10 years of accumulated annual dividends + terminal dividend.

Xinhua Insurance is now a state-controlled insurance company, investment income in the same industry among the best, and your income accounts for 70% of the company's total profit distribution, there is a professional investment and financial management team for you to earn money, you should be the shopkeeper, why not? Rest assured! If you need money urgently, you can use policy loans, insurance reductions, etc., and if you have any questions, you can call 95567 national service**.

Xueba talks about insurance, focusing on insurance evaluation! Recently, we have compiled a comparison table of 35 popular participating insurances and 101 critical illness insurances, which is very comprehensiveA list of 35 participating insurances and 101 major critical illness insurancesDividend insurance, to put it simply: it is insurance with dividends, and dividends come from the insurance company's profits that are both guaranteed and return dividends, which makes many people excited.

Indeed, for customers, participating insurance not only has a guarantee function, but also has an investment function, since the launch, the question that has attracted everyone's attention is, is the participating insurance really so good? In fact, the protection function of participating insurance is very weak, and the income is not satisfactory.

That's because customers don't know these two characteristics of Fu Dividend Insurance:

First, there is uncertainty about how much policy dividends can be distributed.

Second, the dividend pool is not transparent.

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

Hello, your question can be summed up as being fooled into buying Double Happiness new C dividend insurance, and now I want to know whether the principal and dividends are better than the bank fixed deposit after five years, right?

First of all, Double Happiness is an insurance product with protection and financial management, and its characteristics are: 1. Protection function: provide double the insured amount of illness payment, twice the insured amount of accidental death payment, and three times the insured amount of accidental death payment of specific vehicles, which is a function that savings does not have, is to provide you with a value protection, in case you enjoy happiness in advance, you can give your family (elderly parents and minor children, as well as lovers) a financial compensation.

2. Financial management function: This product has annual dividends and final dividends, and dividends are based on the amount insured, the level of dividends depends on the company's annual operating conditions, you can go to the official website of Xinhua Insurance to enter your own policy number to inquire about the annual dividends. This will not be known until the policy is terminated, so it is unrealistic to compare it with bank interest now, and bank interest will actually be adjusted.

According to past experience, dividends are equal to or slightly higher than bank interest, and you can also check the settlement interest of other products on the official website (taking a universal insurance as an example, the settlement interest of the previous month is annualized. 3. Compulsory savings function. Your vision is idealistic, to restrain yourself to save 5,000 yuan a year, you need to have a strong determination and execution, insurance through the form of a contract to remind you to pay every year, and the initial surrender will bear a certain rate loss, which can ensure that your savings plan is implemented.

Second, insurance is actually a good means of risk diversification, but also an important part of the personal asset portfolio to assume the defensive function, in developed countries, per capita holding insurance policies up to seven, which is also the trend of China's development in the future. The best way to buy insurance is to create your own insurance plan (to prevent accidents?). Preparing for a pension?

Saving for your child's education? Combined with your own cash flow situation (the annual premium is about 10%-15% of the total family income), and then choose the insurance plan that suits you according to your needs (how many years to pay, how many years to insure, what to cover, etc.), and finally determine the specific product. You bought insurance on the recommendation of someone without thinking about it beforehand, so there will be a lot of discomfort in hindsight.

My suggestion is to log on to the official website of New China Insurance to check your policy and see what the cash value is now, the cash value is the money that can be obtained for surrendering the policy. The premium of your policy is not high, and 5,000 yuan should not seriously affect your quality of life, so it is recommended to hold this policy and wait until 5 years to see the dividends at the time, and then make a decision whether to surrender the policy.

There is no clarity can email me,

1 If the cash value at that time is higher than the principal amount, the sum insured corresponding to the higher cash value can still participate in the dividend.

2 Raising the principal in five years is equivalent to surrendering the insurance, whether it is enough or not.

3 If you wait until the end of the 10-year period, the return will generally be slightly higher than that of the depository bank.

4. What you said is misleading and related to the quality of the practitioners.

If you just pay 200,000 yuan and want to surrender the policy during the period (that is, within 10 days), 200,000 yuan will be refunded to you, and only a handling fee of 10 yuan will be charged, and after 10 days, it will be converted according to the above cash value rate and get the money back. For example, if you pay for a year (that is, you have paid 200,000) and you want to return it, that is, 200,000 multiplied by 160,000 yuan); After paying for two years (that is, paying 400,000), you have to return, that is, 400,000 times that is, you can return 328,000).

If you don't surrender the policy, you have to be protected, that is, within 1 or five years (that is, you have not paid 1 million yuan yet), if there is any accident, the beneficiary of your policy will have [(1 million + accumulated dividends) * number of years of policy at the time of the accident] payment period; After five years (that is, your 1 million is paid), if there is any accident, the beneficiary of your policy will have (1 million + accumulated dividends) * If you are safe and sound, you can get it after ten years: basic insurance amount (should be a little more than 1 million) + accumulated dividends (cumulative dividends are now generally or calculated according to the interest rate of 1%, if the latter is pressed, then your first year's dividend is 10,000, the second year is 10,100, the third year is 10,000, the fourth year is 1300......In the tenth year, your final accumulated dividend is about 100,000 and 4,600). Okay, I'm done with the calculations, I hope it can solve your confusion.

This is a product with five years of payment and ten years of protection. It is an insurance that focuses on financial management, and is suitable for customers who do not need this money for ten years. You can look at the terms of the insurance contract, it is not suitable for short-term surrender.

In addition, there is a 10-day cooling-off period for insurance, and if you feel that it is not suitable for you, you can surrender the policy to the insurance company within 10 days.