How to pay dividends in Jinyou Life Whole Life Insurance Participating Insurance Can I get money

Kim Yo Life is a lifelong insurance plan that covers death and critical illness, and is generally a good product.

The annual dividend is not settled to you in cash, but converted into the sum insured, which will be higher and higher over time, and the sum insured will exceed the amount of insurance purchased when the claim is settled.

As for the money you said, it is equivalent to surrendering the policy, and if you surrender the insurance, the protection will be gone, and the surrender principal will be lost in the short term.

Therefore, this is not a financial insurance, but a protection insurance, which should not be confused.

Xueba talks about insurance, focusing on insurance product evaluation! Comparison table of the latest 136 popular critical illness insurances

A one-time gift to you.

"It's true that the Internet says that Jin You's life is not good? 》

You'll understand after reading it.

Let me list the advantages and disadvantages of Kim You's life:

Advantages: 1) The sum insured will increase according to the annual dividend, which has a certain effect on resisting inflation;

1) The insurance company Pacific is famous, and its service outlets can be found in many cities and towns, with many employees and convenient services.

Disadvantages: Honestly, there are quite a few disadvantages.

The premiums of Jinyou Life are really not cheap, and the dividends are even more uncertain, and more importantly, not only that, but in terms of disease protection, Jinyou Life is also very average! Yes, it's more detailed, there are too many words, and I've written the reasons in this article, you can take a look"It's true that the Internet says that Jin You's life is not good? 》。

To sum up, I have never recommended participating critical illness insurance, even if it is a big brand product like Jinyou Life, buying insurance protection and financial management still have to be separated, in order to make the best use of each.

Hope, thank you!

Summary. Jinyou Life Whole Life Insurance 2017 Participating Type is a whole life critical illness insurance of Pacific Life Insurance with dividends, and it is a cash dividend (dividends are uncertain<>

Jinyouren Zhengxiangsheng Whole Life Insurance 2017 Participating Type is a bucket-type lifelong critical illness air clearing insurance of Pacific Life Insurance with dividends, and it is a cash dividend (dividends are uncertain<>

Because the main insurance of this product is life insurance, with additional early payment for critical illness, it is said separately

1. Death or total disability insurance benefit: 1:

Death or Total Disability during the Waiting Period: Refund of Premiums Paid 2: Death or Total Disability After the Waiting Period:

Death or total disability before the age of 18: Return of premiums paid Death or total disability after the age of 18: Sum insured (including dividends) 2:

Whole life insurance is a dividend-paying type of sum assured, and every year the insurance company will pay dividends of different amounts to increase the basic sum assured. (Note: dividends can be 0).

Form of Illness Benefit: 1: Critical Illness Benefit:

Covered diseases: 88 Claims Count: 1 Compensation refers to the amount of the Frank Hold:

Effective Sum Insured (including Dividends) II: Minor Illness Benefit: Covered Illness:

20 types Number of claims: 1 Amount of compensation: 20% of the effective sum insured (Note:

Weiqing mild illness is paid in advance, after the compensation for the mild illness, the amount of insurance in the main insurance should be reduced accordingly) 3: Minor illness Xinfan exemption: The insured is diagnosed with a mild illness during the payment period, and the premium will be waived in the later stage.

Summary. Jinyou Life Insurance (Participating) Section B 2017 The following 2 responsibilities:

One. In the unfortunate event of death or total disability, the accumulated dividend sum assured at the time of death + community care payment will be paid, and the premium paid will be paid if the person is under the age of 18 at the time of death or total disability, and the accumulated dividend sum assured + community care payment at that time will be paid at the same time.

Two. During the policy term, you can participate in the company's dividend distribution, including annual dividend and terminal dividend, the dividend distribution is uncertain, and the dividend will be automatically converted into the sum insured.

Additional Jinyou Critical Illness Insurance Section B (2017) provides the following two insurance liabilities:

First. 88 critical illnesses were diagnosed for the first time.

At the same time, the accumulated dividend sum assured + care payment at that time will be paid.

Two. The in-force sum assured will be paid for the initial diagnosis of 20 types of specific diseases, and the in-force sum assured = basic sum assured + the accumulated dividend sum assured at that time.

Jinyou Life Whole Life Insurance Participating Type A 2017 Edition and Additional Insurance.

Hello, about Jinyou Life Whole Life Insurance Participating Type A 2017 version and additional insurance can help you, please describe or supplement your questions more specifically, and talk to the teacher in detail, so that the teacher can better help you.

Jinyou Life Insurance (Participating) 2017 is Jinyou Life Insurance (Participating) 2017B, with additional Jinyou Critical Illness Insurance (2017) B, providing the following insurance liabilities:

Jinyou Life Insurance (Participating) Section B 2017 The following 2 responsibilities: 1. In the unfortunate event of death or total disability, the accumulated dividend sum assured at the time of payment + Community Care Payment, and the premium paid for those who are under the age of 18 at the time of death or total disability will be paid at the same time, and the accumulated dividend sum assured + Community Care Payment 2 at that time will be paid at the same time.

During the policy term, you can participate in the company's dividend distribution, including annual dividend and terminal dividend, the dividend distribution is uncertain, and the dividend will be automatically converted into the sum insured. Additional Jinyou Critical Illness Insurance Section B (2017) provides the following two insurance liabilities: First.

88 critical illnesses are diagnosed for the first time, and the accumulated dividend sum assured + care payment 2 will be paid at the same time. The in-force sum assured will be paid for the initial diagnosis of 20 types of specific diseases, and the in-force sum assured = basic sum assured + the accumulated dividend sum assured at that time.

When the insurance will return the principal, it is written in the policy terms and conditions that your insurance name whole life insurance should not be able to get back the principal in full.

Jinyou Life is a lifelong insurance, not a 10-year insurance, 10 years is just a payment period, and the end of the payment period just means that you don't have to pay any more, but the protection continues to exist, when the insured accident occurs and when you get a claim.

If you choose to surrender the policy after the end of the 10-year payment, the principal will of course be lost.

Summary. Hello, yes, Jinyou Life Whole Life Insurance Participating Type A 2014 can be converted into an annuity after reaching the age of 65, and then receive it according to the annuity agreement.

Jinyou Life Whole Life Insurance Participating Type A 2014 is not a pension that can be converted after reaching the age of 65.

Hello, you can be here, Jinyou Life Whole Life Insurance Participating Type A 2014, after reaching the age of 65, it can be converted into an annual change fund, and then receive it according to the annuity contract.

There are three ways to convert the skin: (1) the reduction of the insurance by applying for a reduction in the effective sum insured will be converted into an annuity in whole or in part; (2) Surrender conversion, which converts all or part of the cash value and terminal dividend corresponding to the effective sum insured of the surrender into annuity, and this contract is terminated; (3) The beneficiary will convert all or part of the insurance money and final dividend into annuity.

How to stimulate dividends in 2017? How to calculate the 2017 new Jinyou life dividend? Pacific Golden Blessing Whole Life Insurance.

In 2017, in addition to providing total disability and death benefits, you can also enjoy Pacific Pacific Insurance.

Distribution of distributable earnings of participating insurance business. So, how to calculate the 2017 dividends of Jinyou Life? Is it advisable to pay dividends from Jinyou Life Whole Life Insurance in 2017? Now, let me introduce it to you.

How to calculate the dividends of the 2017 version of Jinyou Life?

CIRC. Stipulate that the insurance company shall have each fiscal year.

The proportion of the actual distribution of surplus to policyholders shall not be less than 70% of the distributable surplus for the year. It is important to note that this is a break-by-item, not an insurance company's surplus. There is also the dividend itself is uncertain, it depends on the company's actual investment expected returns, then to see how much shareholders distribute, then to see how much the previous year's smoothing reserves, and then to see what the actual dividend structure of the product is.

Therefore, from the above conditions, it can be concluded that the actual annual dividend can be calculated without an accurate formula.

How to distribute dividends in 2017?

The dividends of Golden Woo Life Whole Life Insurance 2017 include annual dividends and terminal dividends, and the annual dividend distribution method in its friends is an increase in dividends, and each year Pacific Insurance increases the main insurance and additional bonus critical illness according to the determined dividend distribution plan.

The amount of insurance in force for a contract under paragraph A (2017 version).

The increase in the effective sum insured of the 2017 version of Jinyou Life Whole Life Insurance will participate in the dividend distribution of subsequent years. There are two types of terminal bonuses: Care Bonus and Special Bonus.

Can I take dividends from Jinyou Life Whole Life Insurance?

So, can Jinyou Life Whole Life Insurance dividends be taken? It is not advisable to increase the amount of dividends, but if the final dividend meets the conditions for the payment of the care fund, it will be paid in the form of the care fund. In addition, Golden Life 2017 has a conversion annuity function, which allows you to apply for the cash value corresponding to the effective sum insured.

and the final dividend will be converted into an annuity in whole or in part.

The participating type of Jinyou Life Life Insurance can get back the principal, and the longer the insured, the more dividends can be obtained.

The participating type of Jinyou Life Insurance has an early payment of critical illness insurance, which is a lifelong protection and can get back the principal. There is a waiting period of 180 days, during which the insurance company is exempt from liability, and only accidents are exempt from the waiting period. Jinyou Life Life Insurance Participating is underwritten by Pacific Life, and is also attached to the early payment of critical illness insurance, which is a lifelong protection and can get back the principal, and the insurance liability includes 100 kinds of critical illness, 50 kinds of minor illness, death, and the insured is exempted, which is a savings insurance product.

Extended Material: What Insurance Means:

Insurance is a Chinese word that originally means safe and reliable protection; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system. Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

What are the types of insurance:

1.Life insurance: including life insurance (death insurance, endowment insurance, annuity insurance, universal insurance, participating insurance, investment-linked insurance), accident insurance, health insurance (critical illness insurance and medical insurance); Property insurance: including property damage insurance, liability insurance, and credit insurance.

2.Compensatory insurance: compensation based on actual losses, which shall not exceed the amount of the insurance contract; Benefit-type insurance: a lump sum payment of the amount agreed in the insurance contract.

3.Consumer insurance: An insurance contract in which no money is returned to the insurance consumer after the end of the coverage period without a claim; Return-back insurance: An insurance contract in which money is returned to the insurance consumer after the coverage period is over, without a claim.

The basic principles of insurance are:

The principle of maximum good faith: This principle means that both the policyholder and the insurance company should maintain the greatest sincerity, and both parties should not deceive and conceal each other; Insurable interest principle: This principle means that the insured can enjoy legally recognized economic benefits according to the insurance contract, and the insurance company must implement it according to the effective contract; Principle of Compensation:

This principle means that after the occurrence of an insured event, the insurance company will only compensate the insured according to the actual amount of damage within the insured amount, and will not allow the insured to obtain additional income; Proximate Cause Principle: This principle means that the insurance company only compensates for the losses caused by the accident within the scope of the insurance liability, and does not compensate within the scope of the contract.

Hello, Jinyou Life Life Insurance Participating Type is underwritten by Pacific Life, and it is also attached to the early payment of critical illness insurance, which is a lifelong protection and can get back the principal, and the insurance liability includes 100 kinds of critical illness, 50 kinds of mild illness, death, and the insured is exempted, which is a savings insurance product. This life insurance product has a waiting period of 180 days because of the additional critical illness protection, and the insurance company is exempt from liability during the waiting period, and only accidents are not subject to the waiting period.

Summary. This product is a product with the main insurance for the whole life insurance dividend, and the additional insurance for the early payment of critical illness insurance, the insurance age of the product is 30 days from birth to 55 years old, the term of protection is lifelong, the maximum payment can be paid for 20 years, and the waiting period is 180 days. The effective sum assured is the basic sum assured plus the sum assured of accumulated dividends.

If you die under the age of 18 or become totally disabled, the premium paid will be paid to the effective sum insured. There are 88 types of critical illnesses and 20 types of minor illnesses for early payment critical illness insurance, and the insured is exempted from minor illnesses.

Jinyou Life Whole Life Insurance Participating Type A 2017 The principal can be returned after 15 years.

Hello, dear, I'm honored to answer your questions, I'm the <> of Wenqutang Financial Research

Hello, Jinyou Life Whole Life Insurance Dividend-paying Eggplant A 2017 15 years of payment, the principal is not paid stupid can be returned, but the dust can be surrendered, that is only cash value, thank you!

Hello, cash value and because this product is a participating product, we can get his accumulated dividends back.

This product is a main insurance good branch for the whole life insurance dividend, additional insurance for the early payment of critical illness insurance a product, the product insurance age is born 30 days to 55 years old, the period of protection is lifelong, the maximum payment can be paid for 20 years, the waiting period is 180 days. The effective sum assured is the basic sum assured plus the sum assured of accumulated dividends. If you die under the age of 18 or become totally disabled, you will be refunded, and the premium paid will be paid to the effective sum insured.

There are 88 types of critical illnesses and 20 types of minor illnesses for early payment critical illness insurance, and the insured is exempted from minor illnesses.

This product is a product of Pacific Life, so if we want to surrender this product, we can go to the offline business outlets of Taihui Sou Pingyang Life to go through the surrender procedures.

1. China Pacific Insurance (Group) Co., Ltd. **** national customer service: 95500; 2. The number of car insurance ****** of China Pacific Insurance (Group) Co., Ltd. is as follows: 10108888; 3. China Pacific Insurance (Group) Co., Ltd. ** Unified Telemarketing Service of the Whole Mountain Country**:

4006095500；4. China Pacific Insurance (Group) Co., Ltd.

If you go back now, will you pay me back the principal at all?

Hello, now refund, the refund is your cash value and dividends, thank you, normally a little more than the principal you paid, thank you.

This insurance is not worth much if you continue to pay it.

Hello, continue to pay, the protection of the insurance is still there, the cavity stove surrender is not cost-effective, if there is a problem with capital turnover, the policy can be mortgaged, Wu Zhi pretended to be thank you [ ].