Taikang Excellence Life Whole Life Insurance Universal After a few years, the surrender can return t

Universal insurance, there will be an initial cost deduction in the early stage, the highest in the first year, if you only invest 3000 yuan, and then do not pay the premium or add, with the deduction of the corresponding management fee and the like, the remaining money can only be less and less, and finally there is no return, this kind of financial insurance, suitable for large investment in the early stage, there is a fixed investment every year, and there is an excess amount to add, so that it will return quickly, but the salesman will not tell you that a lot of money is deducted in the early stage, and most people do not understand the characteristics of universal insurance when they buy this policy. Too gullible to trust other people's words

Don't even think about it, if you can return the principal, what does whole life insurance mean? Generally, after the end of the annual term, after another 15 years, the cash value of this insurance may exceed the total premium you paid, and then you can only get back all the money you paid when you surrender the policy.

1. Is insurance a lie?

Whether insurance is a deception or not, we take the rapid development of China's insurance industry in recent years to illustrate. Since the reform and opening up, China's insurance industry has ushered in more than 40 years of rapid growth. If this is a deceptive industry, how can it continue to "cheat" after 40 years of cheating?

Take the P2P industry that has grown savagely in recent years, don't talk about the problem of cheating, because of non-standard development, it has been banned in large quantities in less than 5 years, and only 3 companies are currently left. The insurance industry has not only continued to develop rapidly for more than 40 years, but also more and more insurance companies, the team of insurance marketers is getting bigger and bigger, the insurance income is increasing, and the total assets are getting bigger and bigger.

This insurance is similar to a scam, it sounds good, an accident, a major illness. In fact, he took your money out to invest and make money, and the dividends he gave you back were these two insurances, and you still care about the 100,000 premiums when you see these two insurances. Another critical illness: How high is the incidence of critical illness before the age of 60?

Taikang Excellence Life Whole Life Insurance (Universal) is a company that has both investment and financial management functions.

A universal insurance plan with a coverage function. Open an account to enjoy double protection of 120,000 yuan and 100,000 critical illness. On the one hand, the policy account value.

Monthly interest, interest rate, compound interest appreciation, can meet the needs of customers in pursuit of higher investment returns; On the other hand, Ben.

The contract insurance amount can be increased or decreased according to the customer's needs, and the policy account value can be added or received at any time, which is flexible and adjustable.

It meets the needs of customers who are looking for personalized protection. The annual payment is 6,000 yuan, and the payment can be made for 10 years, and there is no limit to overpayment; The more you pay, the more you earn! Minimum 20 times the amount of protection for account opening; 32 major diseases are paid 100,000 yuan in advance; Accumulate accounts, roll over with monthly compound interest, and continue to accumulate wealth; Guaranteed Returns!

Comprehensively solve life problems such as accidents, major diseases, medical treatment, education, and pension. It can be used as a child's education fund and a pension in the future. can be added at any time (base 2000 in increments of 1000 or multiples thereof); After 5 years, you can receive a partial claim at any time (each time you receive more than $500, and it is a whole number) for any of your expenses.

It can also be received like an annuity; If you pay the fee in the following year, you will receive a continuous bonus of 2%, how long you pay, how long you will be rewarded. Mr. Wang, 30 years old, is insured by Taikang Excellence Life Omnipotence, with an annual payment of 6,000 yuan and a savings of 60,000 yuan in 10 years. Critical illness protection of 100,000 yuan, worth of 120,000 yuan; pensions; At the age of 65, you can receive about 200,000 yuan at one time (you can also choose to receive it annually or monthly, and you can also leave a lot of money to your descendants after a hundred years).

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Hello dear, I'm glad to answer your questions Yes. According to statistics, Taikang Excellence Wealth (2007) Whole Life Insurance (Universal) is a new type of universal insurance that not only has the role of financial investment, but also takes into account the safety protection of personal accident insurance.

Hello dear, I'm glad to answer your questions Yes. According to statistics, Taikang Excellence Wealth (2007) Whole Life Insurance (Universal) is a new type of universal insurance that not only has the role of financial investment, but also takes into account the safety protection of personal accident insurance.

What is the premium premium interest? I've been insured for 15 years.

Is it possible to withdraw money from the universal account?

Yes, the money in the insurance universal account can be withdrawn, but only the policyholder can receive it, because the universal account belongs to the policyholder, so the fixed return generated by the insurance will automatically enter the universal account and then be handled by the policyholder, so the policyholder can receive the money from the universal account. However, once the money is withdrawn, it cannot enjoy secondary appreciation and cannot maximize benefits.

In addition, it is necessary to pay attention to the fact that some insurance contracts clearly stipulate that a certain handling fee is required for the first three years, and the handling fee paid is different depending on the time of collection.

Summary. Hello, after 10 years of Taikang Life's excellent life, you can continue to enjoy the protection and do not need to continue to pay premiums.

Hello, after 10 years of Taikang Life's excellent life, you can continue to enjoy the protection and do not need to continue to pay premiums.

The expiration of the payment period means that the policyholder has completed the premium payment of the payment period in accordance with the insurance contract, because it is a whole life insurance, and there is no need to continue to pay after the expiration of the payment period, but the model protection continues until the death of the insured. The whole life insurance is surrendered at the end, and the insurance company will return the money according to the cash value of the policy, because the payment period expires, the policyholder has no pressure to pay, it is best not to surrender the policy, continue to enjoy the protection, you can wait for the emergency money or choose to surrender the policy when you are older.

Summary. Hello <>

We are glad to answer your question about Taikang Excellence Wealth 2007 Whole Life Insurance; Qinqin Taikang Life 2007 Outstanding Universal Insurance Product Features: Guaranteed interest rate, safe investment, annual appreciation, 10-year short-term payment to reduce customer pressure, continuous regular payment customer income increase, additional premiums at any time to plan a happy life, lower initial costs, greater investment benefits, low protection costs, changes the sum insured according to needs, increased critical illness protection, shorter observation period, flexible continuation of critical illness sum assured, and flexible continuation of account income.

Taikang Prestige Wealth 2007 Whole Life Insurance.

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We are glad to answer your question about Taikang Excellence Wealth 2007 Whole Life Insurance; The product features of the 2007 Outstanding Universal Insurance of Taikang Life Insurance include: the interest rate is guaranteed, the investment increases every year, the short-term payment for ten years reduces the pressure on customers, the income of customers increases by continuing to pay on time, the additional premium is planned for a happy life at any time, the initial cost is reduced, the investment benefit is greater, the protection cost is low, the amount of insurance for Youchan changes according to needs, the observation period of critical illness protection is increased, and the amount of critical illness insurance is flexibly extended to the income of the potato fiber account.

Kiss; Whole life insurance refers to indefinite SI death insurance. After the conclusion of the insurance contract, the insurer shall pay the insurance money whenever the insured dies. As long as the insured pays the premium on time, the insurer has no right to refuse to renew the policy.

Whole life insurance is a type of insurance that provides lifelong protection, that is, insurance that pays insurance benefits in the event of death or total disability at any age. Generally up to the terminal age of the life table 1 0 0 years. If the insured lives or saves until the age of 1 0 0, the insurer pays the insurance money to him.

In contrast to term life insurance, the insurer pays benefits to the beneficiary in the event of the death of the insured at any time before the insured reaches the age of 1 0 0.

Hello dear! Taikang Excellence Wealth 2007 Whole Life Insurance Liability.

1) Death benefit.

is the sum of the following two amounts:

1.The sum insured under this contract on the date of the insured's death.

2.The value of the policy account under this contract as at the date of the insured's death.

2) Critical illness insurance benefits.

If the insured suffers from a critical illness during the waiting period (within 90 days from the effective date of this supplementary contract) not caused by an accidental injury, the company will refund the unexpired premium of the Japanese supplementary contract to the policy account of the main contract, and the value of the policy account of the main contract will increase by the same amount as the refunded amount, and the validity of the additional contract will be terminated.

If the insured is diagnosed with a critical illness for the first time after the waiting period, the company will pay the critical illness insurance benefit according to the insured amount of the additional contract. After the payment of the critical illness insurance benefit under the supplementary contract, the sum insured under the main contract is reduced by the same amount as the critical illness insurance benefit paid. If the insured amount of the main contract is reduced to 0, the company pays the policy account value of the main contract to the policyholder and the main contract is terminated.

Summary. Hello dear, glad to answer for you! <>

Taikang Excellence Life Life Xian Universal Type, annual payment of 3000, after 10 years of payment, the principal cannot be <>returned

Because Taikang Excellence Life Whole Life Xian has to be received in accordance with the payment method stipulated in the contract, it is not possible to apply for a refund of the principal, even if the policy is surrendered, only the cash value of the policy will be refunded, which is much less than the principal<>

<> Taikang Excellence Life Whole Life Insurance Universal Type, with an annual payment of 3000, can the principal be refunded after 10 years?

Hello dear, glad to answer for you! <>

Taikang Outstanding Renhuai has a lifelong life expectancy for the rest of his life, with an annual payment of 3000, and the principal cannot be returned after 10 years <>of payment

Because Taikang Excellence Life Whole Life Xian has to be received in accordance with the method of late receipt stipulated in the contract, it is not possible to apply for a refund of the principal, even if the policy is surrendered, only the cash value of the policy will be refunded, which is much less than the principal<>

<> if I withdraw part of the universal account, what will happen to the insurance?

If you withdraw part of the universal account, baoxian changes 1Reduction in Account Value: A portion of the premium in the Universal Account is used to accumulate the sum insured, and the other part is used for investment income.

If the policyholder withdraws a portion of the funds, the cash value in their account will be reduced accordingly. 2.Adjustment of the policy year's settlement interest rate:

Baoxian companies usually use a portion of the account value (e.g. 80) as a regular settlement, and receive the policy year settlement interest rate as a profit dividend; The remainder (e.g. 20) is settled on a RI basis, and the level of income is determined by the investment income. If the policyholder withdraws some of the funds from it, it may affect how and how the policy year's settlement interest rate is calculated. 3.

Changes in the amount insured and baoxian's liability: universal accounts often provide a certain amount of baoxian. If the policyholder withdraws part of the funds, the account value decreases and the corresponding baoxian sum assured is also reduced.

In addition, if the account value is insufficient to cover the baoxian fee, the policy may reduce the baoxian liability or be cancelled. The eggplant is <>