How about Xianghe Wanjia Special Insurance Dividend paying ?

Xueba talks about insurance, focusing on insurance evaluation! This comparison table of the latest 35 participating insurance and 101 mainstream critical illness insurance products in 2020 is given to friends who know this articleA list of 35 participating insurances and 101 major critical illness insurances, to friends who know this article.

Participating insurance, in fact, is a sum of your money, part of the purchase of protection, part of the investment, just like many people think, financial protection is not wrong.

In fact, many consumers are attracted by the dividend function of dividend insurance, but many people regret it after two years after buying, because there is a large gap in income before and after buying.

The main reason is that consumers do not know enough about participating insurance

First, yields are uncertain.

Second, the dividend pool is not transparent.

These two characteristics of dividend insurance make the real income that customers can get an unknown, and therefore lead to the dividend insurance has become a high-incidence area of complaintsWhy is participating insurance a "high-incidence area" for insurance?

There are detailed explanations inside.

At the end of the day, participating insurance is not suitable for everyone, so it is recommended that you do not blindly insure!

That's all for me"How about Xianghe Wanjia Special Insurance (Dividend-paying)?"All, look!

Summary. Kiss will be happy to answer your <>

I bought an insurance policy, called Xianghe Wanjia Insurance (Dividend), I bought it for 20 years, it is 20 years after the end of the term, you can choose to continue to pay the premium and enjoy the protection and dividends during the continuation of the insurance period, or choose not to pay the premium, settle the policy with the accumulated cash value, and terminate the insurance contract. <>

<> I bought an insurance called Xianghe Wanjia Insurance (Dividend), I bought it for 20 years, whether it was bought for 20 years, just.

Kiss will be happy to answer your <>

I bought an insurance policy, called Xianghe Wanjia Insurance (Dividend), I bought a 20-year potato boy, it is 20 years after the end of the term, you can choose to continue to pay the premium and enjoy the protection and dividends during the insurance period, or choose not to pay the premium, settle the policy with the accumulated cash value, and terminate the insurance contract. [Heart Silver Attack] <>

Kiss <>

Xianghe Wanjia Insurance is a long-term savings insurance product, usually defined as participating insurance, its main function is to provide protection at the same time, so that customers can enjoy the rights and interests of the insurance company's profit distribution in which the policy participates, specifically, the insurance product will tease your premium to be allocated to different investment products, such as **, bonds and real estate, etc., and the income from the investment will be allocated to you to increase your cash value and policy dividends. <>

After 20 years, can I get the principal and dividends?

I heard people say that you can only get it when the protection expires, and the Xianghe Wanjia insurance you purchased is a participating product, and the policy term you choose is 20 years, Lao Wang, then at the end of the 20-year payment period, you can get the cash value of the policy and the corresponding policy dividends. <>

<> relatives can receive partial or full coverage during the coverage period.

Summary. Hello, this insurance is a dividend insurance, dividend insurance, mainly that is, it is a financial management role for your funds, because his later dividends are higher than the bank interest rate, and then, you can achieve a protection of your assets, equivalent to your currency, to ensure that it will not depreciate, but you need to bear the corresponding price, that is, your premium is not desirable halfway, only when you pay enough years can you pay a monthly dividend.

Hello This is a very good question, I need a little time to answer, please be patient.

How much to surrender the policy, paid for five years.

Pay 3900 per year

Hello, this is a participating insurance, can not be refunded of the nucleus empty, the return is surrender, this insurance surrender can only refund 15% of the payment fee, the blind is 2925, almost 3000 yuan.

Retreat so little. How can I get more money back?

Hello, this Baosun State Eye Insurance is a dividend insurance, dividend insurance, mainly that is, he is a financial management role for your funds, because his later dividends are higher than the bank interest rate, and then, you can achieve a protection of your assets, equivalent to your currency, to ensure that it will not depreciate, but you need to bear the corresponding price, that is, your tracking fee is not advisable, only when you pay enough years can you pay a monthly dividend.

The proportion is dead according to the company's regulations, and there is no way to return more.

Summary. The protection period of Xinhua Xianghe Wanjia Insurance Participating Insurance can be seen from the insurance policy, under normal circumstances, the protection period of the product is 70 years.

The protection period of Xinhua Xianghe Wanjia Insurance Participating Insurance can be seen from the insurance policy, under normal circumstances, the protection period of the product is 70 years.

In addition to the limited insurance period, the participating type of Kuze Xinhua Xiang and Wanjia Insurance also provides dividends that can be obtained during the survival of the policyholder, as well as the insurance money that can be obtained by the family members of the insured after the death of the insurer.

The insurance period is 20 years, so I can get it back after 20 years.

Yes, if you buy a 20-year policy, then after 20 years you can get it back.

I have written out the detailed introduction of this product in advance, and you can pick it up if you need to! What about New China Life's Xianghe Wanjia?

Xianghe Wanjia Insurance is a 30-year-old male, with an insurance amount of 500,000 yuan, paid for 20 years until the age of 60, and does not attach 100,000 yuan of cancer insurance, which requires 37,090 yuan per year.

Payment deadlineThe maximum payment period of this product is 20 years, we say that the longer the payment period, the better the insurance leverage, and the maximum payment period of many products is 30 years.

Moderate Illness Benefit:InModerate LiabilityToday, this product is completely trueThere is no mentionIn this regard, it can be seen that its protection content is lacking.

Minor Illness Benefit:Currently on the marketMinor illness benefitThe average is inand above, and the payout ratio of this product is lower, only

Specific Diseases:The specific diseases of Xianghe Wanjia are divided into three categories: male, female, and juvenile high-incidence diseases, a total of 7 types.

In the event of one of the following agreements, the insurance company shall be based on the basic sum insuredIndemnity. Specific diseases are all critical illnesses with a high incidence and ** cost is relatively expensive, so specific diseases can pay an additional 50% of the basic sum assured, which is a relatively good design.

Overall, this productValue for moneyis moreLowYes, the coverage is not very comprehensive, but the premium is not cheap. And although this is a dividend product, it should be noted that this dividend should be distributed according to the income obtained by the insurance company from operating this insurance (note: it is not the overall profit of the insurance company!).

Exactly the policyholderHow much bonus can you getConsumersYesI don't knowTarget.

Therefore, if the subject is mainly to configure insurance for your own children, it is recommended to take a look at other cost-effective products. The most cost-effective products for children in 2020

Xueba talks about insurance, focusing on insurance evaluation! What about participating insurance? Just look at how they compare to other popular critical illness insurance products35 participating insurances PK 101 mainstream critical illness insuranceParticipating insurance, as the name suggests, is a dividend insurance, which not only provides various guarantees agreed in the contract, but also can enjoy the insurance company that guarantees the operating results of everyone and returns the dividends, which makes many people excited.

Indeed, the dividend insurance not only has a guarantee function, but also has an investment function, which is quite popular with consumers, but friends who have bought dividend insurance, have you really received a "red"? Anyway, I haven't seen anyone actually make a significant profit.

A large part of the reason is that consumers ignore the two characteristics of participating insurance:

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

Second, the dividend pool is not transparent.

It is precisely because of the existence of these two characteristics that it is difficult to make the income of participating insurance, and it has made participating insurance a hard-hit area for customer complaintsWhy is participating insurance a "high-incidence area" for insurance? It's all made clear.

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

Hello Answer! We'd be happy to be able to answer for you. : If the insured is after the effective date of the 18-year-old policy at the time of death or total physical disability, the death or total physical disability insurance benefit is multiple of the actual premium paid by this insurance, what do you think?

Xianghe Wanjia Insurance (dividend-paying).

Features: Very valuable 6-in-1, perfect life can be expected.

Life is worth more than total disability protection, so that your love can continue.

Wealth value multiplied maturity survival benefits, plan your future goals.

Health Value 32 Critical Illness Benefit and Cancer Benefit to protect your health.

Dignity is worth 60 years old and the maturity of the convertible pension to ensure the quality of your life in old age.

Caring Value policyholders waive premiums for accidental death and total disability, eliminating your worries.

The added value continues with the classic sum assured bonus, and the double bonus accelerates the growth of your wealth and protection.

Basic information about the product.

Issue age: 55 years old after 30 days of birth.

Payment method: one-time payment, 5 years, 10 years, 20 years.

Insurance Period: Maturity year.

Age-old type: to the age of one.

Insurance Liability. During the contract insurance period, the company assumes the following insurance liabilities:

Maturity Survival Benefit: The Company shall pay the maturity survival insurance benefit at the rate of the sum of the basic insurance amount and the accumulated dividend insurance amount until the expiration of the insurance period, and the contract shall be terminated.

Death or Total Disability Benefit.

1.If the insured dies or becomes totally disabled due to illness within one year from the effective date of the contract, the company shall pay the death or total disability insurance benefits according to the following different circumstances at the time of the insured's death or total physical disability, and the contract shall be terminated

1) If the insured is before the effective date of the 18-year-old policy at the time of death or total physical disability (excluding the effective date of the 18-year-old policy), the death or total physical disability insurance benefit shall be the actual premium paid by this insurance;

2) If the insured is after the effective date of the 18-year-old policy at the time of death or total physical disability (including the effective date of the 18-year-old policy), the death or total physical disability insurance benefit shall be multiple of the insurance premium actually paid by the insurance.

Question: I bought it for my child in 13 years, can I withdraw the premium amount I paid after 20 years?

If you ask questions, please refer to the contract.

The dividends of Xianghe Wanjia depend on your insurance amount, which can be paid at maturity and can be multiplied by the total sum insured, which includes the basic insurance amount (which can be seen on your insurance contract) + the cumulative dividend insurance amount (the annual dividends are added together, uncertain, depending on the future operation of Xinhua Insurance Company). For example, if your basic insurance amount is 50,000 yuan, then you can get back at least 10,000 yuan at the end of the period, and the amount will be different under the assumption of high-end, mid-range and low-grade dividends. In the end, the amount of money you will be able to get will only be known in the end, because the operation will be unknown from year to year.

But the guaranteed 10,000 is proper, and the contract is ***.

This product is a relatively popular product of Xinhua Insurance, in 2012 and 2013 won the annual insurance award, the protection is very comprehensive, death, critical illness, cancer can be compensated, safe and secure to the expiration of the money and money returned, in both insurance is still very good. I'm a financial planner and I've recommended this product to my friends. From the perspective of yield, the yield of insurance products is not very high, and the investment allocation of insurance funds is based on the first goal of safety and capital preservation, and the main allocation is large-amount certificates of deposit, gilts and some first-class infrastructure investments.

Therefore, it is impossible to rely on insurance to increase wealth quickly, and it can only be regarded as a long-term compulsory savings. Moreover, his protection functions (critical illness, cancer and death benefits) are not possible with other wealth management products.

People under the age of 30 buy insurance, every penny used should be financial management, and every penny should have three functions, see a doctor when you are sick, and withdraw money if you are not sick, it depends on whether your salesman is professional or not, hehe.

As long as it's insurance, it's good. It's just that you have to plan your insurance plan carefully, and the types of insurance you buy at different stages of your life are different, and the types of insurance you buy at different stages of your financial ability are also different. Pay attention to your insurance plan and don't buy insurance that doesn't fit you.

The general rule of thumb is to buy adequate insurance for the breadwinner of the family, then the partner and then the children. The order of purchase is accident insurance, accidental medical treatment, critical illness insurance, hospitalization medical insurance, life insurance, and annuity. This is a two-pronged insurance, that is, life insurance, which can be purchased separately when the previous insurance types are sufficient.

Hope it helps.