What does Accumulated Premium mean, what does Accumulated Premium mean

The accumulated premium refers to the total premium you have paid since the effective date of the policy, for example, if you pay 15,000 per year, the third year of the policy year, and continue to pay the premium, then the cumulative premium is 15,000*3=45,000. Year-end cash value, simply put, is the amount of money that a policyholder can get from an insurance company when they surrender their policy at a certain stage. Whether you can receive the cash value at the end of the year after 20 years depends on what kind of insurance you are insured, and you can receive it freely if you have universal insurance, if it is a dividend type, you can only apply for a policy loan according to the amount of cash value, and you cannot receive the cash value freely.

The cash value can be used to pay the insurance premium, and for participating insurance, the dividend can accumulate and earn interest, which can be received, or it can be offset against the premium or purchase the premium to pay off the incremental insurance. If you have any questions, please feel free to contact us!

Accrued premiums are the total premiums you have paid since the effective date of your policy.

The cumulative premium refers to the total premium you have paid since the effective date of the policy, for example, if you pay 15,000 per year and the third year of the policy year, and continue to pay the premium, then the cumulative premium is 15,000*3=45,000. ”

Survival Insurance Accumulation Account:

It refers to the insurance products that can be received, and when the survival fund is not received, it can be placed in a special account of the insurance company for accumulation of interest. Evils.

Survival insurance: also known as survival insurance, is based on the insured is still alive at the expiration of the insurance period, and the insurance company pays the insurance money according to the amount agreed in the contract, and the survival insurance is different from the death insurance in that the payment of the insurance money is based on the survival as the payment condition; Therefore, survival insurance is mainly based on savings, also known as savings insurance.

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Hello, it is a pleasure to serve you and give you the following answers: The accumulated premium expenses include:1

Insurance premium: refers to the insurance premium paid by the policyholder to the insurance company in accordance with the insurance contract. 2.

Insurance money: refers to the compensation paid by the insurance company to the beneficiary in accordance with the insurance contract. 3.

Insurance tax: refers to the insurance tax paid by the policyholder to ** in accordance with the insurance contract. 4.

Insurance commission: refers to the commission paid by the policyholder to the insurance broker in accordance with the insurance contract. 5.

Insurance cost: refers to other expenses paid by the policyholder to the insurance company in accordance with the insurance contract, such as insurance handling fee, management fee, etc. Causes of the problem:

1.Unreasonable premiums charged by insurance companies: Insurance companies may charge unreasonable premiums, resulting in excessive premium payouts for policyholders.

2.Underpayment by insurance companies: Insurance companies may pay underpayment, resulting in policyholders' cumulative premium payouts being too high.

3.Insurance companies charge too high insurance taxes: Insurance companies may charge too high insurance taxes, resulting in policyholders spending too much on their accumulated premiums.

Workaround and practice steps:1Find out about the premium collection of insurance companies:

Policyholders should be aware of the insurance company's premium collection to ensure that the premium collection is reasonable. 2.Find out about the insurance company's insurance payments:

The policyholder should be aware of the insurance company's premium payments to ensure that the insurance payments are reasonable. 3.Find out about the insurance tax collection of insurance companies

The policyholder should understand the insurance company's insurance tax collection to ensure that the insurance tax collection is reasonable. 4.Objection to the insurance company:

If the policyholder finds that the insurance company's premium collection, insurance payment or insurance tax collection is unreasonable, he should raise an objection to the insurance company in time to ensure that his rights and interests are protected. Teaching: In teaching, it should be emphasized that the policyholder should understand the insurance company's premium collection, insurance payment and insurance tax collection to ensure that the premium expenditure is reasonable.

At the same time, policyholders should be taught how to raise objections to the insurance company in a timely manner to ensure that their rights and interests are protected. Personal tip: When paying premiums, policyholders should strengthen their understanding of the insurance company's premium collection, insurance payment and insurance tax collection to ensure that the premium payment is reasonable.

If you find that the insurance company's premium collection, insurance payment or insurance tax collection is unreasonable, you should raise an objection to the insurance company in time to ensure that your rights and interests are protected.

Hello, it is a pleasure to serve you and give you the following answers: The accumulated premium expenses include:1

Insurance premium: refers to the insurance premium paid by the policyholder to the insurance company according to the insurance contract. 2.

Insurance premium discount: It refers to the insurance premium paid by the insurance company in accordance with the insurance contract. 3.

Insurance premium subsidy: refers to the insurance premium paid by the insurance company in accordance with the insurance contract. Practical steps to solve the problem of accumulated premium expenses of liquid brother infiltration:

1.First of all, it is necessary to determine the agreement of the insurance contract in order to determine the payment of insurance premiums. 2.

Then, according to the agreement of the insurance contract, the situation of the premium discount and the insurance premium subsidy is determined. 3.Finally, the amount of accumulated premium expenses is calculated based on the premium discount and premium subsidy.

Personal tip: When solving the problem of accumulated premium expenses, it is necessary to carefully read the insurance contract to determine the payment of insurance premiums, as well as the premium discounts and insurance premium subsidies, and finally calculate the amount of accumulated premium expenses based on these circumstances.

Social security is cumulative, as follows:

1. For example, the insured person of endowment insurance only needs to pay for 15 years and reach the retirement age to enjoy the pension treatment. If the insured persons of medical insurance reach the statutory retirement age and the cumulative contributions reach the number of years specified by the state, they will no longer pay the basic medical insurance premiums after retirement, and can directly enjoy the medical insurance treatment according to the regulations;

2. For those who pay pension insurance premiums intermittently, when they meet the retirement conditions stipulated by the state and calculate and pay basic pension insurance benefits, it will directly affect the personal account pension and transitional pension.

The new Social Security and Medicare is a card. Social security includes basic endowment insurance, medical insurance, etc., so the social security card also has the function of settlement of the medical insurance card. The social security card can be used as an electronic voucher for the cardholder's rights and interests in social security and public employment services.

Legal basisArticle 58 of the Social Insurance Law of the People's Republic of China.

The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number. Striker.

Article 59.

The people at or above the county level have strengthened the collection of social insurance premiums.

Social insurance premiums are levied uniformly, and the implementation steps and specific measures are stipulated by the government.