Is it useful for a child to buy Taikang Xinxiang Life Annuity Insurance Dividend when he is sick?

Xueba said that insurance, only help parents who want to buy the right insurance for their children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

Click to claim now, we believe that we can help you choose the right insurance for your child.

How to buy insurance for your child

This question has made many parents think hard, today let's take a look at how to buy insurance for their children! Follow these three points:

First, medical insurance is essential, especially for children!

Newborn medical insurance (urban and rural residents' medical insurance) is the national basic insurance, the child should be born immediately handled, whether serious or minor illness, the basic medical insurance is particularly important, this is the basic security benefits given by the state, must be handled well.

Second, after running medical insurance, it is necessary to consider fully configuring commercial insurance, and it is recommended to give priority to critical illness insurance + medical insurance + accident insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the best expenses, it can also solve many hidden problems caused by illness, such as the delay in studies caused by medical treatment and some losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance policy can be used to solve these problems.

Let's take a look at medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan a year, you can buy an insurance amount of 10,000 yuan, which is cheap and useful.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, you don't see that it doesn't cost much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, cost-effective.

Third, is there any insurance that I should not buy for my child?

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleHow to buy child insurance without being cheated? You'll know when you see it!

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be done, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"Is it useful for a child to buy Taikang Xinxiang Life Annuity Insurance (Dividend) when he is sick?"All of them, I hope it helps you! Hope!

Taikang Xinxiang Life Annuity Insurance is a participating insurance, regardless of the loss caused by illness, if the additional medical insurance is sick, it can be reimbursed.

Hello, you must buy accidents and health for your children, and then consider annuity dividend products, otherwise your children will not be able to start the true meaning of insurance.

Your insurance is a participating insurance, if you add a minor illness and hospitalization, it doesn't matter, it doesn't matter if you don't add it.

Participating insurance generally does not care about the disease, you see if you have additional hospitalization at that time.

Annuity insurance, generally only about money. Regardless of the financial loss caused by accident or illness.

Taikang Insurance Group's Xinxiang Life is okay if it is attached to accident and hospitalization medical insurance.

Medical insurance is available.

First look at the insurance contract, there is additional insurance, if there is a claim, if there is a claim, if there is a claim, there is no claim.

You can learn about the Pacific Super Insurance.

My favorite is the Kids Super Protector.

Taikang Xinxiang Life is annuity insurance, which is used for pension, financial management, children's education, marriage, etc., and the child's illness and hospitalization depends on whether you have an additional critical illness or health at that time.

Yes, the participating insurance only pays dividends, and if you have additional hospitalization medical insurance, then you can ask.

Xinxiang Life Annuity Insurance can be supplemented with critical illness insurance, cancer insurance, accidental injury and medical treatment, with a complete package.

Taikang dividend-paying type does not cover inpatient medical treatment.

Just go directly to the insurance company, but the insurance company generally has an overlord clause and you will definitely lose a lot.

Question: Is Taikang Xinxiang a cost-effective life?

Question: I bought it for a two-year-old at the time.

I paid 3,000 a year for 15 years, and I was told that I could receive 3,000 a year in the sixteenth year, and I could also receive part of the money at one time.

Answer: Yes. The longer the payment period, the greater the surrender loss. You can open the second or last page of your policy and there is a cash value table, and the amount after the corresponding number of years is the amount you surrendered.

Question: I've been paying for the fifth year, I'm worried, I don't know what to do? I'm afraid that I won't even be able to get the principal back then.

It's not appropriate to return now, and about 10,000 yuan will be refunded.

Isn't there a contract? I guess there are electronic contracts as well.

Summary. Hello, I am the co-teacher of Ask the Question, I am good at insurance analysis and planning, and I have been engaged in the insurance industry for 7 years now, and I am happy to serve you.

[Insurance information inquiry is time-consuming, your problem is normal after ten minutes, please be patient and wait for ......】Taikang Xinxiang Life Annuity Insurance Participating 15-Year Cash Value Table.

Hello, I am the co-teacher of Ask the Question, I am good at insurance analysis and planning, and I have been engaged in the insurance industry for 7 years now, and I am happy to serve you. [Insurance information inquiry is very time-consuming, after ten minutes your questions are very serious, please be patient and wait for ......Hunger.

Taikang Xinxiang Life Annuity Insurance Participating 15-year cash value is 455250 (0-year-old boy pays 150,000 yuan per year, a total of 15 years).

Is an annuity insurance worth buying Many people ask, and a list can tell you the answer:

It is more reasonable to understand the type of insurance first and then talk about the product, many people don't even know what annuity insurance is, so they plan to see how an annuity insurance product is, so it is difficult to buy a product that is just right for themselves.

The following is an analysis of annuity insurance in three points:

1) What is Annuity Insurance?

Annuity insurance should pay a certain premium to the insurance company first, and after the agreed period is reached, you can receive money from the insurance company.

In order to avoid this point, I have compiled an evaluation evaluation: 10 major insurance companies hot-selling children's critical illness insurance inventory.

Pension is also known as pension, after buying enough pension insurance for a number of years, the insurance company will pay the pension according to the contract to ensure the basic living needs of the elderly after retirement.

2) Types of annuity insurance.

Annuity insurance is divided into traditional annuity insurance, participating annuity insurance, universal annuity insurance and investment-linked insurance.

3) How to choose annuity insurance.

First of all, don't step on the pit:

Secondly, the following points must be seen:

1.Look at the internal rate of return.

The most direct way to buy annuity insurance is to list the annuity that can be received in the future and the premiums to be paid every year, combine it into a long-term cash flow, and calculate the IRR (real rate of return) according to the formula.

2.Look at the cash value.

Different annuity insurance has different income trends, and some cash values can be repaid in a few years; The return of some cash value is slow, but the pension that can be received is relatively large.

If you are worried about the need for cash flow in the future, you may choose to surrender the policy and choose the annuity insurance with a fast return on the cash value of the annuity insurance. If you only have pension needs, you can choose products that do not pay back quickly in the early stage.

3.Look at the predetermined interest rate.

The most important factor in yields is the predetermined interest rate. When the predetermined interest rate is higher, the annuity insurance yield will also be relatively high, and now the China Banking and Insurance Regulatory Commission has begun to stipulate that the predetermined interest rate shall not exceed, which is the cap value, and the specific amount needs to be calculated.

Answer: Hello, I am very happy to serve you, pay 6000 per year for 15 years, if you do not receive it during the period, you will receive 6000 to 99 years old every year from the sixteenth year, and return the total premium at the age of 80.

6,000 for questions, 10 years. Lots of them in the future.

Taikang Life's Xinfu Annuity.

The annual dividends are based on the actual operating conditions of the company, and also according to different ways of receiving them.

For example, Xiao Ming is 0 years old, his parents want to plan a lifetime of happiness for him, provide continuous and stable cash flow for his growth at all stages of life, and insure Xiao Ming of Taikang Xinxiang Life, depositing 10,000 yuan every year for 10 years, with a basic insurance amount of 22,335 yuan, and the insurance period is until the age of 99.

For dividend insurance, the future income is uncertain, whether it can pay dividends, and how much dividends can be distributed are uncertain. In contrast, annuity insurance is more suitable, because the income of annuity insurance is certain, and when you buy annuity insurance, how much money you can get in the future must be determined.

1. Fixed return:

1. Survival pension: 0-59 years old, 10% of the basic sum insured - yuan per year.

3. Birthday payment: the total amount of premiums paid will be returned at the age of 80 - 150,000.

Dividends: The insurance company distributes 70% of the distributable surplus to the policyholder according to the actual operating conditions of each year.

Universal account: lifetime guaranteed expected return, no upper limit.

Hello, you look at the policy, look at how much money you have to surrender the policy at ten years, plus the cash value of ten years, this is the money you surrender.

Question: I paid it to my 15-year-old daughter, and it took many years to start receiving money? The insurance officer said that he would receive his daughter who was 108 years old. I just wanted to ask for a long time before I started to return the money.

If you don't surrender the policy, you won't lose it all the time?

Hello, of course, you won't suffer if you keep receiving it.

Ask if it's my daughter's age or mine.

I am the policyholder and my daughter is the insured. I couldn't believe what the insurance officer said.

Answer hello, Xinxiang life is a term annuity insurance, taking a 30-year-old male insurance as an example, paying 6,000 yuan per year, 15 years of payment, its rights and interests are as follows: 1. Survival money: the next day after the hesitation period and the corresponding date of the policy each year after that, receive yuan, which lasts until the age of 59.

2. Pension: 60 to 80 years old, receive pension, receive it in the first year, and increase the amount of longevity pension every year after that: survive at the age of 80, return the premium paid 90,000 yuan 4, longevity annuity:

Age 81 to 99, 10% of the sum insured per year. Receive $5 at age 81 and $5 at age 99, Death Benefit: If you die before the age of 80, the greater of the premiums paid and the current price of the policy will be paid; In the event of death after death, the premium is waived

If the insured dies or becomes disabled due to an accident, the premium will be waived after the accident.

Of course, it is the insured who collects it.

Taikang Xinxiang Life Annuity Insurance Dividend, pay 6,000 a year for 15 years, and get 6,000 every year in the future?

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:1

Taikang 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.

Summary. Taikang Xinxiang Life Annuity Insurance has a participating annual payment of 12,000, and you can continue to choose to renew or surrender the policy after 10 years of payment.

Taikang Xinxiang Life Annuity Insurance Dividend Annual Payment is 12,000, and the 10-year payment is full.

Taikang Xinxiang Life Annuity Insurance has a participating annual payment of 12,000, and you can continue to choose to renew or surrender the policy after 10 years of payment.

Personally, I suggest that the surrender of the policy at the appointed time is equivalent to not renewing the contract and it is over.

Because this kind of dividend insurance really has an accident, the loss is less, and the dividend is not as high as the financial management, so it belongs to the four non-reliance. If you want to make money, just choose a bank to manage your money.