Buy Hongfubao Dual Insurance Participating 10 years for 5 years, pay for one year, what if you die

The full name of Shuangquan is called Liangquan Life Insurance, and the compensation of Hongfubao is, the basic insurance amount * the number of years, and it will be returned.

The basic insurance amount is written on your contract, calculate it yourself, multiply it by 1 in one year, multiply it by 2 in two years...

This type of insurance does not make much sense for protection, and it has a low-level accident insurance attached, which is a very low-priority kind of insurance, which is a little more limited than nothing.

Death benefit = basic insurance amount x number of premium periods (paid according to the premium paid within one year); The rate of accidental death is 2 times and that of traffic accident is 3 times.

If you die within one year, only the premium will be refunded.

Xueba talks about insurance, focusing on insurance evaluation! What about participating insurance? Just look at how they compare to other popular critical illness insurance productsComparison table of 35 participating insurances and 101 popular critical illness insurances, to friends who know this article.

Dividend insurance, to put it simply: it is insurance with dividends, and dividends come from the insurance company's profit to take into account protection and financial management, which is the characteristics of dividend insurance.

Hearing the word "dividend", many people feel that they have paid money, not only guaranteed, but also able to enjoy dividends, as if they have become the original shareholders of the insurance company but have bought dividend insurance friends, have you really received the "red"? Anyway, I haven't seen anyone actually make a significant profit.

First, the dividends of the policy are not guaranteed.

Second, the dividend pool is not transparent.

The existence of these two characteristics makes the dividends that customers can get an unknown, and therefore makes everyone stay away from dividend insuranceWhy is participating insurance a "high-incidence area" for insurance?

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!

That's all for me"Buy Hongfubao Dual Insurance Participating 10 years for 5 years, pay for one year, what if you die"All, look!

1.Survival insurance premium: 5 times in 10 years, each time is 10% of the basic sum insured, that is: 5 * 5410 * yuan.

2.Maturity insurance premium: 3 years of payment, 10 years of protection, that is, times the sum insured. 5410*.

3.Policy dividends, dividends are determined according to the profit of the insurance company, under normal survival conditions: (1) survival return:

10% of the basic sum insured will be returned every 2 years (2) is the maturity payment: times the basic sum insured (3) is the dividend: it can be roughly calculated according to the basic sum assured.

Summary. Hello, dear, the amount that can be received after expiration is the amount of insurance agreed in the insurance contract.

How much can I get when the 10-year term of Hongfubao Insurance Dividend?

Hello, dear, the amount that can be received after expiration is the amount of insurance agreed in the insurance contract.

Multiply times. That is, the maturity insurance benefit: if the insured is still alive at the expiration of the insurance period of this contract, this contract is terminated. The maturity premium shall be paid in multiples of the basic insurance amount agreed below.

The insurance period is 10 years and the annual payment is doubled for 5 years.

In addition, it should be noted that this insurance has a survival insurance benefit that can be claimed:

If the insured survives, the survival insurance benefit will be paid at the rate of 10% of the basic sum insured every 2 policy years from the effective date of this contract until the expiration of the insurance period. The initial survival benefit is payable at the end of the second policy year of this contract.

The above is my reply, I hope it will be helpful to you, thank you for consulting <>

Hongfubao insurance participating type 10-year 5-year payment limit, pay 15,000 yuan per year, how much money can you get when it expires.

Do not calculate dividends, you have a survival fund every two years, that is, 10% of the basic insurance amount, according to the data you provide, it is 1626 yuan for two years, and a total of 5 times for ten years, a total of 8130 yuan, of course, you can take this fund in two years, or you can take it together at maturity, and if you take it at maturity, it will also be calculated with compound interest in the insurance company in the past few years. Then there is the maturity insurance, which is paid according to the 10-year 5-year limit payment is the multiple of the basic insurance amount, that is, 73,170 yuan, so that the total amount of funds that can be calculated first is 81,300 yuan, which is 6,300 yuan higher than the principal. If you surrender the policy, you will pay the surrender money according to the cash value, that is, if your insurance is to be surrendered after a full year, it is 637 * 15 = 9555 yuan, plus a one-year dividend, if it is complete after two years, it is 1402 * 15 = 21030 yuan, plus two years of dividends, in addition to the first 1626 yuan survival fund can be received, this is the analogy calculation, when you encounter two years plus a survival fund, of course, the premise is that you have not received a survival fund before surrendering, Otherwise, the survival fund can not be added again, I wish you a happy life!

Summary. Under normal survival conditions: (1) Survival rebate:

10% of the basic insurance amount returned every 2 years (2) is the maturity payment: times the basic insurance amount (3) is the dividend: because you are not sure, you don't have to say much, just say a word, it is not the main interest, don't expect too much.

I can only give you this conceptual content here, and you can roughly calculate it according to the basic sum assured. Finally, the official introduction and detailed terms of Hongfubao Insurance (participating type) are attached for understanding and reference only), and the most comprehensive and accurate is to see the specific terms (but it is relatively dry).

How to calculate the survival insurance benefit of Hongfubao Dual Insurance (Participating Type) with a 10-year term and a 3-year limit after 10 years.

Hello, I'm sorting out the answer to your question, so please wait a minute

Hello, can I take out all of this insurance after it expires and how to take it.

After the expiration of ten years, the principal with interest can be repaid.

It depends on who is the insured, and the younger the age, the higher the insurance amount! The expiration period is calculated like this, the amount of insurance x the number of years of payment + (annual dividends) in addition, it depends on what other protection this insurance has, such as several times the compensation for death, etc.! Generally, the dividend product is more cost-effective than bank deposits, with high protection for value preservation and appreciation, and let's see which insurance company it is!

Because the dividend type is based on the company's operating benefits, it is best to be a large company.

In 2011, my mother bought it that year, and her 53 expired on November 5 this year.

How much is your insurance?

How to calculate the cooperation between China Post and Pacific Life Please help me calculate the ten-year period of the first three years to pay a total of 30,000.

What was the annual dividend of this company stipulated at that time?

Can you help me see that I feel cheated after buying it, or ten copies, how much money can I get when I see the period, how to take it, thank you.

I'll help you find out.

1.Survival insurance benefit: 5 times in 10 years, each time is 10% of the basic sum insured, that is:

5 * 5410 * yuan 2Maturity insurance premium: 3 years of payment, 10 years of protection, that is, times the sum insured.

5410*. 3.Policy dividends, dividends are determined according to the profit of the insurance company, and the insurance company will not be able to write the specific amount in the insurance contract I can't calculate, but I see many people say that this kind of insurance is easy to be pitted, how to take me to help you check.

Under normal survival conditions: (1) Survival rebate: 10% of the basic insurance amount will be returned every 2 years (2) It is the maturity payment

Double the basic sum insured (3) is dividends: because you are not sure, you don't have to say much, just say a word, it is not the main interest, don't expect too much. I can only give you this conceptual content here, and you can roughly calculate it according to the basic sum assured.

Finally, the official introduction and detailed terms of Hongfubao Insurance (participating type) are attached for understanding and reference only), and the most comprehensive and accurate is to see the specific terms (but it is relatively dry).

Summary. Hello, no. There are three parts that can be claimed at the end of the year:

Survival insurance + maturity + dividends. Since the basic insurance premium of this type of insurance is related to the age of the insured, if the basic insurance premium is paid for 10 years and 5 years, the basic insurance premium for every 1000 yuan paid is between 1085 and 1039, which is calculated as follows: Fixed Income Survival insurance premium = (1085 to 1039) * 5 * 10% * 5 Maturity insurance premium = (1085 to 1039) * 5* Survival insurance premium If the insured survives, we will pay 10% of the basic sum insured for every 2 policy years elapsed from the effective date of this contract. A one-time survival benefit is paid until the expiration of the insurance period.

The initial survival benefit is payable at the end of the second policy year of this contract.

Hongfubao Endowment Insurance (Participating) 10-year 3-year limit payment, 10-year maturity survival insurance benefits, how to withdraw the money after one year, will the fee be deducted?

Hello, no. There are three parts that can be received at maturity: survival insurance + maturity insurance + dividends.

Since the basic insurance premium of this type of insurance is related to the age of the insured, if the basic insurance premium is paid for 10 years and 5 years, the basic insurance premium for every 1000 yuan paid is between 1085 and 1039, which is calculated as follows: Fixed Income Survival insurance premium = (1085 to 1039) * 5 * 10% * 5 Maturity insurance premium = (1085 to 1039) * 5* Survival insurance premium If the insured survives, we will pay 10% of the basic sum insured for every 2 policy years elapsed from the effective date of this contract. A one-time survival benefit is paid until the expiration of the insurance period. The initial survival benefit is payable at the end of the second policy year of this contract.

Hongfu Bao is a term insurance. After expiration, go to the counter of the insurance company and take your ID card to get the money. At that time, the principal dividend will be given together.

Buy insurance according to your own situation! What's right for you is the best.