Can I re choose the distribution method of Ping An Insurance s dividends?

You can modify the allocation method.

Answer: The policyholder can choose one of the following bonus payment methods in addition to cash collection when applying for cash dividend insurance

1) Accumulation of interest: Dividends are retained by the Company and stored in the form of compound interest according to the dividend accumulation interest rate determined by the Company every year, and will be paid when the contract is terminated or the policyholder applies for it.

2) Offset insurance premium: The dividend is used to offset the insurance premium payable in the next period, and if there is still a balance after the payment, it will be used to offset the insurance premium payable in the following periods. The balance of dividends under the insurance premium payment method is not interest-bearing.

The premium payment method will be automatically changed to the interest accumulation method after the expiration of the premium payment period.

3) Purchase of increased insurance: According to the age of the insured at that time, the insurance amount will be increased according to the same contract conditions with dividends as a lump sum payment of insurance premiums.

If the policyholder does not choose the dividend payment method when applying for insurance, it will be handled by accumulation of interest. The disposition of different types of insurance may vary from insurance company to insurance company, and the final terms and conditions shall prevail.

There are many dividend-paying annuities under Ping An Insurance, but you need to pay attention to it when you insure dividend-paying products, and many dividend-paying products on the market are not guaranteed, that is, the insurance company cannot guarantee that everyone will receive dividends every year, and how much dividends can be taken is also uncertain.

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1.Analysis of insurance conditions.

Elite Baby Education Annuity Insurance (Dividend) is an insurance product for children, its insurance age range is 28 days old and has been discharged from the hospital in health - 10 years old, that is to say, the upper age limit of this product is 10 years old, you should pay attention to it when insuring your child!

Moreover, there is only one type of protection period of Elite Baby Education Annuity Insurance (Participating Type), that is, it is guaranteed until 0:00 on the policy anniversary of the insured's 30th birthday, which is an education annuity product with regular coverage.

In addition, the payment period of the Elite Baby Education Annuity Insurance (dividend) is only 10 years, and there are no payment period options such as single payment or 3 years and 5 years.

Parents must read: Is it necessary to buy education insurance? How to choose the right product?

2.Safeguard Liability Analysis.

From the 15th policy anniversary (including the 15th policy anniversary) to the 29th policy anniversary (including the 29th policy anniversary), if the insured has been in a state of survival, then the insured can get 20% of the basic sum insured of the main insurance contract as a growth care fund every year.

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Dividend-paying insurance is an investment insurance with death liability, with survival funds, dividends, education, entrepreneurship funds, wedding funds, pensions, and family reserves.

Participating whole life insurance is a type of health insurance, and the whole life insurance is guaranteed to death, and the participating whole life insurance is lower than the simple participating insurance and whole life insurance.

Participating annuity insurance is endowment insurance, which ensures that there is money to spend after retirement.

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

Ping An Insurance annuity service refers to the amount paid by the insurance company to the insured on a regular basis within the agreed period. Consumers who have applied for annuity insurance hope that through this financial arrangement, they can have a stable income every year in the future. In essence, annuity insurance is not insurance in the true sense of the word, but an investment that people make through life insurance companies, and when the insured customers buy annuities, the insurance company provides customers with a certain amount of income protection.

Of course, the content of the benefit depends on the type of annuity purchased by the policyholder.

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We are glad to answer for you how Ping An Life Insurance dividends are paid; The dividends of participating insurance generally come from the three differential income of the insurance company, namely the fee differential income, the SI differential income and the interest rate differential income, which are also the main income of the insurance company**. Generally, it is divided into cash dividends and incremental dividends, which are two different distribution methods; 1. Cash bonus 2. Increase dividend.

How does Ping An Life Insurance pay dividends?

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We are glad to answer for you how Ping An Life Insurance dividends are paid; The dividends of participating insurance generally come from the three differential income of the insurance royal model company, namely the fee difference income, the SI difference income and the interest rate difference income, which are also the main income of the insurance company**. Generally, it is divided into cash dividends and incremental dividends, which are two different distribution methods; 1. Cash bonus 2. Increase dividend.

Ping An Life Insurance Co., Ltd. was established in 2002 as a subsidiary of Ping An Insurance (Group) Co., Ltd. of China. After more than 10 years of development, Ping An Life of China has grown in tandem with the domestic insurance business, and its business scale and business quality rank among the top domestic life insurance companies. Ping An Life is the first company in China to market individual life insurance, and has cultivated and built a professional internal and external team with its advanced system, excellent business philosophy and attractive corporate culture.

It has three major sales channels, including personal insurance, celery and oak bank insurance, and sedan car first code telemarketing, and has a clear and complete product system, covering from traditional savings and protection products to non-traditional dividend and investment products, providing customers with them"One account, multiple products, all in one place"to fully share Ping An's comprehensive financial advantages with customers.

1. Choose a strong company.

The benefits of participating insurance vary from time to time. The dividends that the company wants to pay to customers every year are not a fixed value, but are distributed according to the company's operating results. The amount of dividends that customers will receive in the future depends on the company's capabilities.

Therefore, when choosing insurance, customers should choose a strong company in addition to considering some situations of the product itself. First of all, it depends on the strength of the insurance company, and the strong company has certain advantages in all aspects, and it is natural to be able to provide customers with better services; Finally, look at the operation and management of the insurance company, image performance and so on.

2. Don't blindly follow the trend to buy.

Many consumers buy insurance as soon as they hear that there is a good return, but this is actually an irrational choice. Many investors are actually relatively lacking in protection insurance products, so when choosing insurance products, the first thing is to consider his protection, and then choose dividend-paying products in the case of medical and health care, otherwise customers will have a decline in income due to health problems. In short, the policyholder should choose participating insurance on the basis of adequate protection, and do not blindly follow the trend to buy.

3. Understand your own needs.

When choosing participating insurance, friends should analyze their personal risk tolerance and their own needs for insurance. Participating insurance is more suitable for the purchase of stable income, and for families with stable income** and no investment plan in the short term, choosing participating insurance is a good choice. The liquidity of participating insurance is poor, so for families with low family income and large expenses, it is necessary to be cautious in the choice to avoid other losses caused by the inability to realize the money when they need it halfway.

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

Ping An's participating insurance is not much different from other participating insurance on the market, all of which are insurance with financial management functions, and whether the participating insurance is good or not depends mainly on whether this product can meet your needs.

Next, the senior sister will give you a detailed introduction to the content of participating insurance, before starting to introduce, let's first add the relevant insurance knowledge: super complete! Everything you need to know about insurance is here.

First of all, we should note that participating insurance generally does not exist alone, but is attached to a certain type of insurance, such as our common participating annuity insurance, participating insurance and so on. Take participating annuity insurance as an example, if you take out a participating annuity insurance, then you can receive an annuity while also enjoying the dividends of the insurance company.

However, it should be noted that the dividends of our common participating insurance are uncertain, and generally dividends are given according to the actual operating conditions of the participating insurance business in the previous fiscal year, which means that how many dividends we can get each year is uncertain, and it is possible that we will receive little or no dividends in a certain policy year.

Different participating insurance companies may have different ways to receive dividends, but there are usually four types: cash collection, accumulation of interest, payment of insurance premiums, and purchase of increased insurance.

Some products offer two, three, or four ways to allow consumers to choose how to pick up them, while others only stipulate one way to pick them up.

In general, buying participating insurance really can't get a relatively stable income, if you want to get a high yield, you might as well take a look at these financial insurance: top ten financial insurance rankings.