Happy Life Insurance: I have saved 100,000 for 5 years, how much interest is there, can I save money

Spent 100,000 premiums to buy the insurance product of Happy Life, how much interest can be after 5 years, it depends on the specific provisions of the contract, buying insurance is not the same as bank deposits, buying insurance is to buy this insurance with the insurance company, and then enjoy the protection provided by the corresponding insurance. If you want to take out Happy Life insurance for financial management, you can.

First of all, I spent 100,000 yuan to buy the insurance of Happy Life, and how much interest will be after 5 years depends on how the contract stipulates. Anything about the insured's protection, benefits, or other aspects will be clearly written in the insurance contract. I suggest you do more research.

If you don't know how to read the insurance contract, you can take a look at this article first: teach you to identify the pitfalls of the insurance contract!

It is certain that Happy Life is a formally established insurance company, as long as it is the interest promised in the contract, it will be paid to everyone on time and in accordance with the amount, so you don't have to worry.

Let's introduce you to the company Happy Life. It was established in 2007 and is a national life insurance company approved by the China Insurance Regulatory Commission. The registered capital of Happy Life has reached 100 million yuan, which is in the forefront of life insurance companies.

At present, Happy Life has 22 provincial-level branches across the country, forming a comprehensive service coverage network. Senior sister has also conducted a detailed evaluation of its insurance products before, you can take a look: how is Happy Life, what products are there, and which one is good?

Let's take a look at the solvency of Happy Life, according to the solvency report of Happy Life in the second quarter of 2022, its latest core solvency adequacy ratio, comprehensive solvency adequacy ratio, and the latest comprehensive risk rating result is B. Judging from various data, Happy Life meets the solvency standards stipulated by the China Banking and Insurance Regulatory Commission. You can rest assured.

Hello, look at your contract, there is it inside.

Summary. You have to look at your expiration time, if you are guaranteed for life, you can't withdraw it in a few years in the short term, and the money will not exceed the principal, if your insurance period is only 5 years, after the expiration of 5 years, you can probably withdraw close to 60,000 yuan.

I bought a happy life insurance and saved 10,000 yuan a year for five years, how much money can I withdraw at that time.

You have to look at your expiration time, Kai Hao If you are guaranteed for life, you can't take it in a few years in the short term, and the money will not exceed the principal, if your insurance period is only 5 years, after the expiration of 5 years, you can probably get close to 60,000 yuan of money.

How much money can be withdrawn, you should look at the cash value table in the contract, and the cash value will be taken for the corresponding year, and the cash value shall prevail.

The contract is for life, but the term is 5 years, and the 6th year can be taken against the cash value table, right?

The contract is for life, but the term is 5 years, and the 6th year can be taken against the cash value table, right?

Pay 50,000 yuan in five years, and you can take 52156 at the beginning of six years

Pay 50,000 yuan in five years, and you can take 52156 at the beginning of six years

It is relatively good for this, and it can be returned to 10,000 after 5 years of payment, and the more it retreats, the more it will be.

In the 6th year, it can be withdrawn to about 10,000.

There are no loopholes, I'm afraid that I will pay 50,000 yuan, and I won't be able to get it back in 6 years, there are too many insurance traps.

There are no loopholes, I'm afraid that I will pay 50,000 yuan, and I won't be able to get it back in 6 years, there are too many insurance traps.

Contracts are secure and executed on a cash value basis.

First of all, if you buy the insurance of Happy Life, you will pay 10,000 yuan a year for 5 years, and how much money you can withdraw when the insurance expires mainly depends on how the product is stipulated. There will also be specific instructions on the insurance contract, you can take a look, if you don't know how to read the insurance contract, you can read this article:Teach you to identify those pitfalls in the insurance contract!

In addition, judging from the information given by the subject, the product may also provide a "full liquid return period", so the subject is very likely to buy annuity insurance and both insurance. Next, I will introduce these two types of products to you.

Annuity insurance is an insurance product that provides survival benefits on the condition of the insured's survival, and the protection period of this type of product is also divided into two types: term and life. For example, if the insured does not have an insurance benefit accident during the entire insurance period, the insurance company will provide a maturity return at the end of the insurance period. For more information about annuity insurance, you can click below to view:

Is annuity insurance good? Are there any pits? What are some good products?

The feature of both insurance is that it can achieve "life and death", and this type of product can provide both maturity insurance and death insurance. If the insured does not have an insured event during the entire period of insurance, the insurance company will pay a maturity benefit at the end of the coverage period. In the unfortunate event that the insured person passes away during the insurance period, the insurance company will also pay the corresponding death benefit.

Hope.

Life insurance is life insurance.

A kind of life insurance that takes the life of the insured as the subject of insurance and the life or death of the insured as the condition of payment.

As with all insurance companies, the insured passes on the risk to the insurer, accepts the insurer's terms and pays the premium.

Unlike other insurance, life insurance passes on the risk of survival or death of the insured.

Interest is the fee for the use of money for a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or monetary capital. It includes interest on deposits, loans and interest on various bonds. in the capitalist system.

The source of interest is the surplus value created by the wage labourers.

The essence of interest is a special form of transformation of surplus value, which is part of the profit.

Life insurance is life insurance.

A kind of life insurance that takes the life of the insured as the subject of insurance and the life or death of the insured as the condition for the payment of the wheel. As with all insurance businesses, the insured passes the risk to the insurer, accepts the insurer's terms and pays the premium. Unlike other insurances, life insurance passes on the risk of survival or death of the insured.

Life is classified as follows:

1. Term life insurance is based on the death of the insured during the Zhidan period specified in the policy, and the deceased beneficiary has the right to receive the insurance money, if the insured does not die during the insurance period, the insurer does not need to pay the insurance money and does not return the insurance premium, referred to as "term life insurance."

Most of the insurance covers the insured to perform more dangerous work in a short period of time;

2. Whole life insurance is a kind of irregular death insurance, referred to as "whole life insurance."

Insurance liability extends from the date of the effective date of the insurance contract until the death of the insured. Since the death of a person is inevitable, the benefits of a whole life insurance must eventually be paid to the beneficiary. Due to the long insurance period of whole life insurance, its rate is higher than that of term insurance, and it has the function of savings;

3. Survival insurance means that the insured must survive until the expiration of the insurance period specified in the policy before receiving the insurance money. If the insured dies during the insurance period, the insured cannot claim to recover the insurance premiums and cannot recover the premiums paid.

The benefits of buying life insurance are as follows:

1. There are many insurance options, and you can buy and choose insurance products suitable for the policyholder, different life insurance.

There are different ** that guarantee the purchasing power of people with different financial affordability.

2. The insurance scope is wide, and the product planning of life insurance is strong, which can allow the policyholder to enjoy more insurance accidents when the cost performance is the highest;

3. Property inheritance, you can choose the insurance beneficiary, in case of an accident to the policyholder, you can avoid unnecessary property losses, to a certain extent, it is a property risk transfer.

How much can be taken at that time generally depends on the provisions of the contract, the subject did not say which product is the quiet chaos of Happy Life, and the senior sister cannot give a specific amount. In addition to the annual premium and payment period, the amount of money you can withdraw is also related to your age and gender. Taking the happy wealth annuity insurance of happy life insurance for a 0-year-old man with an annual payment of 100,000 yuan, 5 years, the basic insurance amount of 35,900 yuan, and 20 years of insurance, as an example, at the end of the fifth policy year, the cumulative premium paid is 500,000 yuan, and the cash value at the end of the year is 514973 yuan, which exceeds the premium paid.

Happy Wealth Annuity Insurance Returns Disclosure! A must-see before you buy!

If you buy an annuity insurance product, the return rate of short-term annuity insurance is relatively low, and the cash value generally needs to be returned at least at the end of the 5th policy year. If you want to get a higher return by investing in annuity insurance, it generally takes a long time to accumulate. Don't know much about annuity insurance?

You can't miss this article:

Is annuity insurance good? Is there anything I need to pay attention to? What are some good products?

Founded in 2007, the company has a registered capital of 100 million yuan, ranking in the forefront of life insurance companies and having strong capital strength. Happy Life is a state-controlled enterprise with a deep shareholder background, with a total of 18 shareholders and 22 branches. The main business includes life insurance, health insurance, accident insurance and other life insurance.

Combined with the above analysis, the strength of Happy Life is relatively strong. So is Happy Life reliable? Everything you want to know is here:

How about Happy Life, what products are available, and which one is better?

That's all there is to it! Hope that helps!

Hope.