What is the insurance of Jintai Life, Jintai Life Section B Whole Life Insurance Participating .

Buy insurance, but many times without knowledge reserves, it is easy to be pitted! Especially when you buy financial pension type insurance! Therefore, the knowledge provided today must be caught, and you can't buy insurance in a daze!

Ultra-complete! Everything you need to know about insurance is here

Jintai Life's B whole life insurance participating type has been discontinued, but you can still learn about it.

From the figure, we can see that the participating protection content of Jintai Life B whole life insurance includes death insurance benefits and dividend distribution, let's analyze it specifically:

1. This is a fixed amount whole life insurance with high premiums and certain mandatory savings characteristics. If you are the breadwinner of the family, it is more appropriate to buy term life insurance if you have the responsibility of taking out a loan and supporting the family, the premium is relatively cheap, and in the event of an unfortunate death, the family can use the insurance money to repay the loan, and you can realize part of the income replacement function. The following is a list of evaluations, which can be learned:

Top 10 life insurance companies worth buying

2. Enjoy dividend distribution.

3. Critical illness insurance can be attached.

It should be noted that once the additional critical illness insurance is paid, the insured amount of the main insurance will be reduced to 0, although the later premiums will be waived, but only the dividend distribution of the main insurance can be claimed.

Xueba talks about insurance, focusing on insurance evaluation! Recently, we have compiled a comparison table of 35 popular participating insurances and 101 critical illness insurances, which is very comprehensiveComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in ChinaParticipating insurance refers to an insurance company that distributes the distributable surplus to customers in the form of cash or value-added dividends according to a certain proportion, and an insurance policy takes into account the protection and financial management functions.

Hearing the word "dividend", many people feel that they have paid money, not only guaranteed, but also able to enjoy dividends, as if they have become the original shareholders of the insurance company, but many friends told me that "I bought dividend insurance, and now I regret it", because the dividend income is completely out of line with expectations.

The reason is that there are many cognitive misunderstandings that consumers don't know

Clause.

1. The amount of dividends you can get is closely related to the situation of the insurance company, and the worst case is that there are no dividends in the current year.

Second, the dividend pool is not transparent.

There are detailed explanations inside.

At the end of the day, participating insurance is not suitable for everyone, so it is recommended that you do not blindly insure!

The first question: first go back and see how much insurance is bought for critical illness insurance, if it is the same as the main insurance, it is 50,000 yuan, then after the compensation for critical illness, the contract will be terminated! If the critical illness is less than 50,000, the insurance contract will still be valid after the critical illness is paid (if there is additional medical insurance, it is still valid), but the critical illness benefit paid in the early stage will be deducted when the death benefit is paid;

The second question: if there is no critical illness in your life (this is a good thing), then you will receive 5w of the main insurance and other dividends when you die naturally, so it is unlikely that you will lose money;

Question 4: Cash value equals surrender money! (If there is a bonus and then add it) I don't know if you are satisfied? A bit of a lot of questions and took some time!

I bought it too. It's been eight years. I was 19 years younger. I only found out this year that I still have this insurance on me. I'm going to retreat today. Who buys who is stupid type insurance. The policyholder is still me. Dizzy.

Insurance doesn't deceive people, and the mandatory savings and protection functions of insurance benefit people for a lifetime. The reason why everyone always says that "insurance is a fraud" is because of disputes arising from unscrupulous salesmen or disputes arising from poor understanding of insurance terms in the claim settlement process. Therefore, today, when insurance has gradually assumed more social responsibility, it is necessary for everyone to know more about insurance, understand insurance, and rationally choose the insurance that suits them.

There are four principles: 20% of the family income is the upper limit, the key points of family needs, the ability to renew the type of insurance insured, and the strength of the insurance company. Insurance is not deceiving, insurance is full of love and responsibility.

Xueba talks about insurance, focusing on insurance evaluation! The comparison of 35 participating insurance products and 101 popular critical illness insurance products in 2020 is hereA list of 35 participating insurances and 101 major critical illness insurancesParticipating insurance has always been one of the more pleasing types of insurance in the market, but due to the complexity of insurance, not many people have really understood it. Let's take a closer look:

Participating insurance, in fact, is a sum of your money, part of the purchase of protection, part of the investment, not only enjoy the protection function in the policy, but also enjoy dividends with the policy.

Indeed, dividend insurance not only has a protection function, but also has an investment function, which is quite popular with consumers, but many friends tell me that "I bought dividend insurance, and now I regret it", because the dividend income is completely out of line with expectations.

First, the fulfillment ratio of dividends is very low, or even non-dividend.

Second, the dividend pool is not transparent.

There are detailed explanations inside.

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!

Insurance is a trend that everyone will have to buy in the future, and I personally believe that taking 20 percent of your income into insurance can effectively resist the unforeseen difficulties and inflationary pressures in the future.

You are a ** who makes insurance policies, there are many people who can live to 70 years old, there is nothing left when people die, insurance is to draw cakes to deceive, mainly there is a flicker of the insurance period and life age, and the amount of insurance and unknown results give you a cake to deceive people.

Anyway, if the money goes in, don't think about taking it out, it's all divided by the insurer, and you can only dream if you want to get it back.

Hello. Now Jintai Life has been discontinued, and its current name is Jinrui Life.

I don't know why you bought this insurance, for the protection of these 10 years.

I don't know your age and men and women, I know that I can check accurately, this insurance is generally 10 years, if you do it for yourself, you yourself are about 20 years old, right?

In fact, insurance is like this, we will take 20 years to pay the principal, so since we are buying a type of protection insurance, why surrender, then the benefits after surrender are gone, we save this money is to protect, Jintai also has a value of protection, pension is to plan for the future.

I don't know why you bought this insurance, why you want to surrender the insurance bag after 10 years after you buy it, you can propose the cash value of the policy to use the contract without termination, so you can also do it. So is it just to guarantee 10 years if we pay a total of 50,000 yuan in the end, then there is no point.

Not to mention when the policy is surrendered, we can even return it after the purchase, but then the insurance is meaningless.

We don't have to get sick if we eat whole grains, it's normal if we have a minor illness, but what if we have a serious illness. There are several options, save 5,000 a year, but you can't get sick, save for 10 years, it's impossible, if you get sick social relief, family, many, many ways, these are what we lose, then we save 5,000 yuan a year, don't spend, put it in the insurance company, pay the money to get 100,000 critical illness protection provisions, and protect for a lifetime, then we really need to provide for the elderly after the age of 50 or 40 years old, then it is based on the situation at the time, not now, Insurance is also talking about the uncertain future of the shed, leaving yourself a certain amount of money.

If you have any other questions, please contact us in detail, or send a message to me.

I use my expertise for your questions and would be happy to help.

The business director of Pacific Life Dalian Branch regretted and Li Yang.

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