Can the principal be withdrawn after 5 years of payment in 5 years?

You can take it out, the principal is not necessarily the amount of money paid, 5 years to pay means, after 5 years do not have to pay the premium, the insurance continues to be effective, if you take out the principal insurance amount halfway.

It will be reduced or the insurance contract ends, and if you need the principal for a short period of time, you can apply for a policy loan.

The contract continues to be in force.

Whole life insurance is a wise way to manage your family by not only addressing the harm that real-life economic risks may cause to your family, but also ensuring that you leave a wealth for your family that is higher than your investment. This kind of insurance is suitable for people with relatively stable income, high assets, and hope to have stable returns but do not want to participate in investment by themselves, and it is also a good choice for investors who want to earn tax shelter income and complete inheritance of property.

Hello, you can take it out, but it doesn't have to be the principal.

"5 years to pay" actually refers to the time of payment, that is, to pay for 5 years, after 5 years there is no need to continue to pay, but the contract is still valid.

However, if the principal is withdrawn during the benefit period, the sum insured will be reduced; If you need cash flow, you can choose a policy loan, where you can take out some of the money first, but at the same time, you will also incur interest, and then you will have to pay it back.

In addition, how long it takes to recover the principal can actually be checked on the insurance policy to see the cash value.

Finally, I would like to say more. For the vast majority of things, the most important thing we should consider is protection insurance, not financial insurance.

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You can take it out, but the principal is not necessarily the amount of money you pay, 5 years to pay means, after 5 years you are not going to pay, the insurance continues to be effective, if you take out the principal halfway the amount of insurance will be reduced or the insurance contract ends, if you temporarily need the principal for a short period of time turnover can apply for a policy loan, the contract continues to be valid. In addition, it is stated in the insurance policy how much time it will take to recover the principal.

Founded in July 2011, Li'an Life Insurance Co., Ltd. (hereinafter referred to as "Li'an Life") is a national life insurance company approved by the China Insurance Regulatory Commission. For withdrawal rules, it is recommended to contact Lion Life Insurance Company for advice.

No, because it is a whole life insurance, you have to wait until you die and report to the insurance company before you can get the principal back.

If I don't have the money to pay after the year, can I get the principal for one year?

My money is gone, and the money 7 has not arrived, three days.

Summary. Is Lion Life Whole Life Insurance (5 Years Paid) Reliable?

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Reliable. Li'an Life's whole life insurance is reliable with 5-year premium payment and the product can pay back in a short period of time.

Take a 30-year-old man as an example, if he pays 10,000 yuan every year to pay 50,000 yuan for the total amount of 5 years of Chachun, he can get back the yuan in the 6th year. Not only did you get back the principal of $50,000, but you also got extra dollars.

If it is at the expiration of five years, the livestock will be withdrawn with interest at the end of the period. If it does not expire, it is a surrender of the policy, and there is a loss in surrender. Think twice before you decide.

1. If you want to surrender the insurance after five years of insurance, how much can you refund?

The surrender rate is generally around 70%. The policyholder can unilaterally terminate the insurance contract during the cooling-off period, that is, the policyholder can surrender the insurance and terminate the contract at any time. Requirements and procedures for handling surrender of insurance:

The applicant is eligible to apply for surrender. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder must clearly indicate who will receive the surrender money; If the policyholder applies for surrender, the contract has been in force for two years and the premium has been paid for two years, the insurance company shall refund the cash value of the policy after receiving the surrender application, and if the policyholder has paid the premium for less than two years, the insurer shall refund the remaining insurance premium to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge.

The surrenderer shall provide the following documents when handling the surrender:

If the insured requests to surrender the policy, the applicant shall provide the application for surrender with the written consent of the policyholder; The insurance policy provided by the surrenderer to prove the conclusion of the contract and the proof of the last payment; Proof of identity of the policyholder; If the policyholder or the insured entrusts another person to handle the application on his behalf, the power of attorney of the policyholder or the insured and the identity card of the principal shall be provided.

Second, it is not necessary to choose the products of a large company to buy insurance, in fact, the insurance industry is now within a unified regulatory framework, and the insurance company can be opened, and the compensation is sufficient. What we have to do is to choose the insurance that suits us, and choose the most cost-effective after comparing all aspects. Of course, if it is the same insurance, the premium is about the same, and it is reasonable to choose a large company, after all, large companies have many channels, wide services, and greater brand value.

It is not recommended to surrender the social security that has been paid for 5 years, after all, after paying for another 15 years, you can receive a pension when you reach retirement age.

The first question: If you only apply for Li'an Life Xinlilai Incremental Whole Life Insurance, and you have paid the premium for 5 years, you cannot withdraw it in the sixth year (assuming that there is no reduction right).

However, if a universal account is attached to this product, then the beneficiary of the policy is entitled to partial withdrawal if the conditions are met.

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The following is the protection details of Xinlilai increased whole life insurance:

1.Analysis of insurance conditions.

Xinlilai increased whole life insurance is mainly to provide insurance opportunities for people born from 28 days to 65 years old, and protect it for life; Among them, the maximum age of this product is 65 years old.

In terms of the payment period, this product provides 5 options of 3 5 10 15 20 years.

2.Guaranteed content analysis.

In terms of protection content, Xinlilai increased whole life insurance provides death or total disability insurance benefits, high-speed rail, aviation accident insurance death or total disability insurance benefits; There are also other rights and interests such as the use of policy pledge loans.

It is worth noting that the increasing ratio of the insured amount of this product is, compared with similar macro and wild products on the market, the setting of Xinlilai increased whole life insurance is at an average level.

This type of limb augmentation whole life insurance.

The general recommendation of the product is to hold it for a long time to have better growth benefits. Now most products can lack the front, and it is good to return to investment in the fifth or sixth year. Therefore, if you want to withdraw it in the sixth year, you can only do so by surrendering the policy.

But in this way, even if the return on investment is not too high, it is not cost-effective to go hungry.

Summary. You can take out, the principal is not necessarily the amount of money paid, 5 years to pay refers to, 5 years after not to pay, the insurance continues to be effective, if you take out the principal halfway the amount of insurance will be reduced or the insurance contract ends, if you temporarily need the principal for a short period of time to turn over you can apply for a policy loan, the contract continues to be valid. "Warm reminder: Lion Life Whole Life Insurance (Premium) 5-year payment can mainly cover the content of death or total disability protection

1.If the insured person dies or becomes totally disabled before the age of 18, the insurance company may pay the premium paid and the cash value is greater; 2.If the insured dies or becomes totally disabled after the age of 18, the greater of the cash value and premiums paid* will be paid if the death or total disability occurs before the expiration of the premium payment period of the insurance contract. In the event of death or total disability after the expiration of the premium payment period, the largest proportion of cash value, sum insured, and premiums paid* will be paid.

The benefit ratio is: 160% for those aged 18 to 41 (inclusive), 140% for those aged 41 (exclusive) to 61 (inclusive), and 120% for those over 61 years old.

Can the principal be withdrawn after 5 years of payment in 5 years?

Hello dear! OK.

You can take out, the principal is not necessarily the amount of money paid, 5 years to pay means, after 5 years do not have to pay, the insurance continues to be effective, if you take out the principal halfway the amount of insurance will be reduced or the end of the insurance contract, if you temporarily suspect that the principal needs a short period of time to turn over the principal can apply for a policy loan, the contract continues to be valid. "Warm reminder: Li'an Life Whole Life Insurance (Premium Edition) 5-year payment can mainly cover the contents of death or total disability protection: 1

If the insured person dies or becomes totally disabled before the age of 18, the insurance company may pay the premium paid and the cash value is greater; 2.If the insured dies or becomes totally disabled after the age of 18, the greater of the cash value and premiums paid* will be paid if the death or total disability occurs before the expiration of the premium payment period of the insurance contract; In the event of death or total disability after the expiration of the premium payment period, the largest proportion of cash value, sum insured, and premiums paid* will be paid. The payout ratio is:

160% for those aged 18 to 41 (inclusive), 140% for those aged 41 (exclusive) to 61 (inclusive), and 120% for those over 61 years old.

Summary. Hello, no, the principal of Lion Life Whole Life Insurance (paid in 5 years) cannot be withdrawn after 5 years.

Can the principal be withdrawn after 5 years of payment in 5 years?

Hello, no, the principal of Lion Life Whole Life Insurance (paid in 5 years) cannot be withdrawn after 5 years.

This is whole life insurance, not a deposit.

When can the principal be withdrawn.

To be paid, only surrender or death of the insured.

There is no concept of principal and interest on insurance products.

Insurance is only paid by the policyholder and the insurance company pays the insurance money according to the insurance contract.

This is a whole life insurance policy.

The only insurance liability is the death or total disability of the insured.

Then it's a pit.

At the same time, the basic insurance amount will increase year by year.

This is a value policy that will grow up.

At the same time, the policy has a cash value.

The cash value is the surrender of the policy.

At the same time, the cash value can be used as a loan.

Summary. Hello, whole life insurance generally covers life, if there is a return in the contract can be received, if not, you can only surrender the surrender is calculated according to the cash value

Can the principal be withdrawn after 5 years of payment in 5 years? Will it lose money.

Hello, rolling whole life insurance generally protects lifelong, if there is a return in the contract, you can receive, if not, you can only surrender the surrender of the policy is calculated according to the cash value of Dong Beikai.

You can take a look at the name of the policy, and I will check the specific insurance liability for you to see if it involves a return

Li'an Life] Dear Customer: Hello! 9513000000650348 The policy will take effect at 0:00 on January 4, 2022, the longest insurance period is lifelong, the annual fee is 20,000 yuan, and it needs to be paid for 5 years, and the policy hesitation period is from January 04, 2022 to January 18, 2022.

The electronic policy has been sent to your email, in order to protect your legitimate rights and interests, please read the terms of the insurance contract carefully. Our company will follow the provisions of the China Banking and Insurance Regulatory Commission to you to enter the key mu line ** return visit, return visit number: 956009.

I asked about a five-year lockdown period, after which you can take it all out without losing money.

Received, I'll check the insurance liability, you wait

If you surrender the policy halfway, it is an early termination of the contract, and only the cash value will be refunded

Do you have a contract in your hand now, dear?

There is a page of cash value in the contract, take a picture and send it to me, and I will calculate the cash value for you.

That's it. Wait a minute, I'll figure it out.

Hello, 20,000 a year for 5 years with a total premium of 100,000, cash value at the end of the 5th year is 101811

After 5 years, the cash surrender value is enough for your premium

But I can't move it for 5 years

After 5 years, the policy will not be surrendered at a loss

It's also safe, which is good

Ok thanks.

Must praise. Thank you for your recognition

Summary. Hello, dear. We're happy to answer your <>

Lion Life Whole Life Insurance (5 Years Pay) is reliable. The principal is not necessarily the amount of money paid, 5 years of payment means, after 5 years do not have to pay, the insurance continues to be effective, if you take out the principal halfway the amount of insurance will be reduced or the insurance contract ends, if you temporarily need the principal for a short period of time to turn over the policy loan, the contract continues to be valid.

Is Lion Life Whole Life Insurance (5 Years Paid) Reliable?

Hello, dear. Very good to argue for you to bring the answer <>

Lion Life Whole Life Insurance (5 Years Pay) is reliable. The principal is not necessarily the amount of money paid, 5 years of payment means, after 5 years do not have to pay, the insurance continues to be effective, if you take out the principal halfway the amount of insurance will be reduced or the insurance contract ends, if you temporarily need the principal for a short period of time to turn over you can apply for a policy loan, the contract continues to be valid.

Founded in July 2011, Li'an Life Insurance Co., Ltd. (hereinafter referred to as "Li'an Life Yufu") is a national xing life insurance company approved by the China Insurance Regulatory Commission. The shareholders of Li'an Life Insurance are composed of 5 well-known private enterprises, including 7 large state-owned enterprises, including Jiangsu Communications Holdings, Jiangsu International Trust Co., Ltd., Nanjing Zijin Investment Group Co., Ltd., Jiangsu Suhui Asset Management, and CICC. The company has a registered capital of 100 million yuan and is headquartered in Nanjing.