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Dividends are uncertain, and no one knows how much they will take. If someone tells you how many numbers you take, take a screenshot and complain directly to the CBRC.
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1.Taikang Xinxiang Life Annuity Insurance Dividend, pay 6000 a year for 15 years, and then take 6000 per year is true or false, if it is not written in the contract that you can receive 6000 per year, then no one can guarantee you. Although it seems that there are many ways to receive Xinxiang Life Annuity Insurance (Dividend-paying) annuity, the actual income is not optimistic.
2.There are many uncertainties, such as uncertain dividends, uncertain settlement interest rates, etc. The bonus presentation is only based on a base budget, which means that there may or may not be so much, and even if there is a dividend, it is difficult to determine how much.
The dividend income of any insurance company is uncertain.
Moreover, 15 years later, it is not certain that this company still exists, except for the state guarantee, other companies may not be reliable.
Extended Information:1Taikang Life Xinxiang Life Insurance is a new annuity insurance product launched by Taikang Life, which has the characteristics of continuous and stable income, and can meet the five major needs of consumers from different levels, such as pension planning, children's education, wealth appreciation, asset inheritance and personal protection.
Taikang Life's "Xinxiang Life" has five major characteristics: instant payment, annual dividends, pension increment, guaranteed payment, and self-exempt, which can meet the five major needs of customers for wealth appreciation, pension planning, children's education, personal protection and asset inheritance from different levels, and plan a perfect and free life for customers.
2.The dividends of Xinxiang Life are determined according to the operating conditions of the insurance company and are not fixed. If the insurance company is doing well, then the dividend will be high.
At the end of each policy, dividends will be distributed to policy customers according to the actual operating conditions of Taikang Company, and they can enjoy cash dividends of no less than 70% of the distributable earnings of the policy every year, so that customers can share the annualized expected return of Taikang's good investment expectations.
At the same time, the survival fund and dividends of the "Xinxiang Life" insurance plan will automatically enter the "Taikang Additional Positive Growth Annuity Insurance (Universal)" account by default, and the account will be compounded and accumulated according to the announced expected annualized interest rate on the settlement date of each month.
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It's true, after the payment is full, you can get yuan at one time.
In fact, there are many excellent annuity insurances, and our team of senior experts spent half a year screening out these "Which is the strongest high-yield annuity?" 8 high-yield annuity insurance recommendations! 》
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Xueba talks about insurance, focusing on insurance evaluation! This comparison table of the latest 35 participating insurance products and 101 mainstream critical illness insurance products in 2020 is given to friends who know the answer when they see this articleA list of 35 participating insurances and 101 major critical illness insurancesParticipating insurance refers to a life insurance product in which the insurance company distributes a certain percentage of its actual empirical results to policyholders compared to the surplus assumed by pricing, which looks good, protected, and has money.
It is true that participating insurance not only has a protection function, but also has an investment function, which is quite popular with consumers but this is not the case, "dividends" sounds simple, but I have seen friends who hold participating insurance, no one gets the expected returns.
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 these two characteristics of dividend insurance that it is difficult to make the income of dividend insurance, and because of this, dividend insurance has become the insurance with more consumer complaints, and the reasons are in my articleWhy is participating insurance a "high-incidence area" for insurance? It's all made clear.
With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!
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Really, but you have to ask clearly, it is the first year to start receiving 6,000 a year and receiving it for a lifetime.
I calculated, it will be the 45th year at the earliest.
I am a working employee of Chinese Life.
You can't be wrong.
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Large insurance companies are better, such as Ping An Insurance of China.
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Summary. You can get it, but there is an age limit, and you basically can't get it after you are 60 years old.
Hello, I bought Taikang Life Dividend, pay 6000 per year, pay for 15 years, can I really get 6000 per year after 15 years?
You can get it, but there is an age limit, and you basically can't get it after you are 60 years old.
1.Taikang Life Insurance is a large insurance company, and this kind of insurance is recorded, so after 15 years of payment, you will definitely be able to receive money, but there is an age limit, basically after the age of 60, you can receive 6,000 yuan per year.
2.The cost performance of this kind of participating insurance is actually not high, 6,000 yuan per year, paid for 15 years, that is, 90,000 yuan, 4% interest per year, this 15 years your money will become 160,000, that is, from the age of 60, you need to receive 26 years to get 160,000, that is, you must live to 86 years old, so as not to lose money, more than 86 years old you will make money.
I don't recommend you to buy participating insurance, the cost performance is actually very low, and the payment time is very long, if the family economic situation is not very rich, it is not recommended that you buy such insurance.
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Summary. Hello friends, Taikang Life Participating 15-year insurance is reliable. The main responsibilities of the protection are the survival insurance money, the pension and longevity benefit, and the death insurance benefit.
If we say that we pay this product for 15 years, we can receive a survival insurance for 29 times, until the age of 60, we can get 636 yuan per year, and we can receive a total of 18,444 yuan. In the case of pensions, you can receive them from the age of 60 and 19 times at the age of 80. If you wish for a life payment, you can receive all the premiums paid at the age of 80, which is 50,000 yuan in total.
On the whole, if we have only paid for 15 years, the income from the premiums that may be received at this time may only be less than 10,000 yuan, so his income is very low.
Is Taikang Life's participating 15-year insurance reliable?
Hello friends, Taikang Life Participating 15-year insurance is reliable. The main responsibilities of the protection are the survival insurance money, the pension and longevity benefit, and the death insurance benefit. If we say that we pay this product for 15 years, we can receive a survival insurance for 29 times, until the age of 60, we can get 636 yuan per year, and we can receive a total of 18,444 yuan.
In the case of pensions, you can receive them from the age of 60 and 19 times at the age of 80. If you wish for a life payment, you can receive all the premiums paid at the age of 80, which is 50,000 yuan in total. On the whole, if we have only paid for 15 years, the income from the premiums that may be received at this time may only be less than 10,000 yuan, so his income is very low.
To sum up, this product is not particularly cost-effective, and in fact, most of the dividend-paying products on the market are quite chicken-ribbed, their dividends are not so good, and there are some products with a dividend interest rate, and even can't catch up with us to deposit money in the bank, so when you buy participating insurance products, you must not blindly buy, don't listen to what the salesman says, and then how to calculate the amount of money, you must compare more, ask the relevant people in the industry.
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Summary. Dear: Hello!
I am glad to answer for you, Taikang Life Participating Insurance, pay 10,000 a year, and dividends for ten years are: 448 yuan a year before the age of 60, and 2240 yuan a year after the age of 60. From the effective date of the policy to the death of the insured, the Company shall pay the survival insurance benefit from the beginning of each policy year as follows: (1) from the end of the cooling-off period to the age of 60, the annual survival insurance benefit amount shall be 20% of the agreed annuity amount; (2) From the age of 60, the survival insurance benefit shall be paid according to the agreed annuity amount every year.
If you start from the age of 43 to the age of 60, you can receive the annual survival insurance benefit = your agreed annuity amount * 20%, and after the age of 60, you can receive the agreed annuity amount in full every year until the age of 60. At the same time, the survival insurance can also be picked up in cash and the company can accumulate interest. By default, it is a retention company, and you can apply for it once a year.
Taikang Life Participating Insurance, pay 11,000 a year, how much bonus can be divided in ten years.
Dear: Hello! I'm glad to answer for you, Taikang Life Participating Insurance, a year to pay a dull delay, ten years can be dividends are:
Before the age of 60, he received 448 yuan a year, and after the age of 60, he received 2,240 yuan a year. From the effective date of the policy to the death of the insured person, the Company shall pay the survival insurance benefit from the beginning of each policy year as follows: (1) from the end of the cooling-off period to the age of 60, the annual survival insurance benefit amount shall be 20% of the agreed annuity amount; (2) From the age of 60, the survival insurance benefit shall be paid according to the agreed annuity amount every year. If you start from the age of 43 to the age of 60, you can receive the annual survival insurance benefit = your agreed annuity amount * 20%, and after the age of 60, you can receive the agreed annuity amount in full every year until the age of 60.
At the same time, the survival insurance can also be picked up in cash and the company can be retained to accumulate interest. By default, it is a retention company, and you can apply for it once a year. <>
Pro: Participating insurance refers to a life insurance product in which the insurance company distributes its actual empirical results to policyholders according to a certain percentage of the surplus assumed by pricing, as many people think. Indeed, for customers, the participating insurance not only has the function of selling protection, but also has the function of investment, since the launch, it has attracted everyone's attention and in fact, there are not a few people who want to surrender the insurance after buying the dividend insurance, because everyone finds that the dividend income is exaggerated.
That's because customers are not aware of these two characteristics of the insurance policy: first, the dividends of the policy depend entirely on the economic environment and the experience of the insurance company, which are uncertain. Second, the dividend pool is not transparent.
These two characteristics of dividend insurance make the real income of dividend insurance an unknown number, and therefore make dividend insurance the most popular type of insurance for everyone. At the end of the day, participating insurance is not suitable for everyone, so it is recommended that you do not blindly insure! <>
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Summary. Incremental insurance premium: From the time the insured reaches the age of pension insurance to the first annual effective date of this contract after the insured reaches the age of 105 (inclusive), the insured survives on the corresponding date of each annual effective date of this contract, and we pay pension insurance benefits to the beneficiary of survival insurance benefits.
The amount of the pension insurance paid for the first time is 105% of the amount of the survival insurance of the previous year, and the amount of the pension insurance paid for the second and subsequent years is 105% of the amount of the pension insurance of the previous year.
Hello, I bought a participating insurance for 15 years in Taikang Life, how much money do I have after paying for 15 years?
Hello, if you have a clever insurance policy around you, please open the policy to find the crack and regret to the page of policy responsibility, send it to me, can you take a look here?
After 15 years of Xinfu annuity, is it a one-time premium payment?
Do you not have an insurance policy? If not, here is a check for you.
It's not a one-time claim......
The insured of the special insurance benefit shall survive on the corresponding date of the year corresponding to the 6th and 7th policy years of this contract.
Survival Insurance: From the 8th policy year of this contract to the time when the insured reaches the starting age of pension insurance, we will pay 30% of the basic insurance amount to the survivor of the survival insurance benefit at the rate of 30% of the basic insurance amount.
Incremental insurance premium: From the time the insured reaches the age of pension insurance to the first annual effective date of this contract after the insured reaches the age of 105 (inclusive), and the insured survives on the corresponding date of the annual effective date of each contract, we will pay the pension insurance benefit to the beneficiary of the survival insurance premium. The amount of the first pension payment is 105% of the previous year's survival insurance premium, and the second and subsequent annual pension payments are 105% of the previous year's pension insurance amount.
In short, it will not be a one-time money to get back.
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