Sunshine Jinxiangyu Universal Insurance, can the principal be reversed at the expiration of ten year

You are talking about the payment period of 10 years, the insurance is generally final, if it is a protection type of 10 years is not enough principal, if it is a pure dividend type, you have interest.

On December 8th, "People**" reported on the large page that **TV station will broadcast a loop on December 23rd to buy a day of China Taiping Financial Management "Enjoy the Family", with specific advantages.

1.Expensive background: Taiping, a state-owned enterprise, has a growth history of 86 years, and is 100% funded by the Ministry of Finance.

2.Short-term and fast: pay the fee for three years, return it every year after the payment period, and receive the money for life.

3.More income: four incomes (30% of the sum insured, annual + daily interest-bearing monthly compound interest rollover in the wealth diamond account + 200% of the sum insured at the age of 65 + death to receive the premiums paid and increase the wealth of the next generation).

4.Stable income: a single investment, a lifetime worry-free! Don't worry about bank interest rate cuts! Compound interest ensures that the return only increases, not decreases!

5.Capital work: you can get it if you want it, pay it if you want to pay it, and borrow it if you want to borrow it......

6.Strong function: It can solve the education fund, wedding fund, entrepreneurship fund, pension, wealth inheritance, tax exemption and debt avoidance!

7.Integrity: Article 85 of the Insurance Law stipulates that insurance companies engaged in life insurance business shall not be dissolved except for division and merger. Don't worry about any risks, one investment, three generations benefit, so that you can enjoy life with ease!!

Can Jin Xiangyu universal insurance be retired when it expires?

It depends on how old you are and how much you want to cover.

You don't have to pay it after 10 times, you said that it was paid in 10 years! Breaking off the relationship means that you have to give up the insurance yourself It is a surrender, only the cash value, if there is a dividend, there will be a dividend!

After ten years, you don't need to pay any more, enough to deduct the cost of protection, don't worry, are you **? Private chat is available.

If your annual income is less than 500,000, it is not recommended that you buy universal insurance!

If you pay for ten years, you don't need to pay it.

Sunshine Life Jinxiangyu Life Insurance (Magnum) is a long-term universal life insurance product that mainly provides death insurance benefits and continuous special bonuses.

Coverage: 1. Death insurance benefit: In the event of death, the death insurance benefit shall be paid according to the insured amount at the time of death, and the contract shall be terminated.

2.Continuous Payment Special Bonus: If the following conditions are met, the Special Bonus for Continuous Payment will be paid from the 4th policy year and will be included in the personal account value.

1) The premium due for each period of insurance due within 3 years from the effective date of the contract shall be paid within 60 days after the agreed premium payment date;

2) For premiums paid in previous periods, the premiums payable in the current period shall be paid within 60 days after the agreed premium payment date. The special bonus for continuous payment of insurance premiums is 2% of the insurance premiums payable in the current period. Can add:

Serious illness, accidental injury, accidental medical treatment, inpatient medical care and inpatient medical treatment.

Further information: 1. An insurance company refers to a corporate legal person established in accordance with the Insurance Law and the Company Law. The insurance company collects the premium, invests the premium capital in assets such as bonds, **, loans, etc., and uses the proceeds from these assets to pay the insurance benefits determined by the policy. Through the above-mentioned business, insurance companies can obtain a higher return on investment, provide customers with appropriate insurance services at lower premiums, and thus obtain profits.

2. The business of insurance companies is divided into two categories: (1) life insurance business, including life insurance, health insurance, accident insurance and other insurance business. (2) Property insurance business, including property loss insurance, liability insurance, credit insurance, guarantee insurance and other insurance business.

Insurance companies in China are generally not allowed to engage in both life insurance business and property insurance business.

3. An insurance company is an insurer in the form of an organizational company that operates insurance business. The insurer in the insurance relationship has the right to collect insurance premiums and establish insurance premiums**. At the same time, when an insured accident occurs, there is an obligation to compensate the insured for economic losses.

4. An insurance company is a company that sells insurance contracts and provides risk protection. An insurance company is an economic organization that operates the insurance industry. Insurance companies refer to commercial insurance companies established with the approval of the China Insurance Regulatory Authority and registered in accordance with the law, including direct insurance companies and reinsurance companies.

Fourth, the housing insurance should be for example, your house is damaged, or the house is damaged due to strong wind and rain, so that you can compensate, and the theft of the home does not belong to this category, it should belong to property insurance. Home insurance belongs to the category of home property insurance, which mainly protects the loss of the house due to natural disasters and accidents such as fire, **, lightning strikes, etc.

5. Housing insurance is generally insured by the owner or household, and the insurance rate is: In case of loss, the insurance company calculates the compensation based on the actual value of the house, but not more than the insured amount. This type of insurance does not require the policyholder to insure the actual value of the home in full, but rather to insure the maximum amount of damage that can occur in an accident.

I just bought one, but I regretted it when I paid it!

Hello, you don't have to pay it after 10 years.

Summary. Hello, happy to answer this question for you. Personally, this insurance is not reliable.

Sunshine Jinxiangyu Universal Insurance is a product launched by Sunshine Life, which includes death benefit and special bonus for continuous payment. There is no sickness or critical illness coverage for this insurance.

Sunshine Jinxiangyu Universal Insurance pays 6,000 yuan for ten years, is this insurance reliable?

Hello, I am happy to serve you, I have been engaged in the financial industry for more than 15 years, I have quite a lot of work experience, typing takes time, you have to be patient and wait......

Hello, happy to answer this question for you. Personally, this insurance is not reliable. Sunshine Jinxiangyu Universal Insurance is a product launched by Sunshine Life, which includes death benefit and special bonus for continuous payment.

There is no sickness or critical illness coverage for this insurance.

You can take a look at the terms of this insurance to understand, and it is recommended that you choose carefully.

I hope I can help you, and if you have any other questions, you can continue to ask me. 

Summary. 1) The insurance premium shall be paid within 60 days after the agreed payment date of the insurance premium within 3 years from the effective date of the contract; (2) The premiums paid in the previous periods have been paid, and the premiums due for the current period shall be paid within 60 days after the agreed date of payment of the premiums. The special bonus for continuous payment is equal to 2% of the insurance premium due for the current period.

Can be attached: Ankang Critical Illness, Accidental Injury, Accidental Medical Treatment, Inpatient Medical Treatment, Inpatient Medical Treatment.

Can the principal of Sunshine Life Jinxiangyu Whole Life Insurance Universal be withdrawn at maturity?

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.

OK. Sunshine Life Jinxiangyu Whole Life Insurance Universal is a flexible type of insurance that can be withdrawn at any time, and the principal can be naturally withdrawn after expiration.

Sunshine Life Jinxiangyu Whole Life Insurance (Universal) is a long-term universal life protection product, which mainly provides death insurance benefits and special bonuses for continuous payment. Coverage: 1. Death Benefit:

In the event of death, the insurance money will be paid according to the insured amount at the time of death, and the contract will be terminated. 2. Special Bonus for Continuous Payment: If all of the following conditions are met, a Special Bonus for Continuous Payment will be issued from the 4th policy year onwards and will be credited to the value of your personal account.

1) The insurance premium shall be paid within 60 days after the date of payment of the insurance premium within 3 years from the effective date of the contract; (2) The insurance premiums for the previous periods have been paid, and the premiums due for the current period shall be paid within 60 days after the agreed payment date of the insurance premiums. The special bonus for continuous payment is equal to the denier or 2% of the premium due for the current period. Can be attached:

Critical illness, accidental injury, accidental medical treatment, inpatient medical care, inpatient medical care.

Pay 6000 per year for 10 years How much can you get at the end of the period.

This product is lifelong. Pay 6,000 every year, pay for 10 years, pay 60,000 yuan in total, and you can get back 60,000 yuan at the end of 10 years (this is in the case of a rough deduction of guaranteed costs, the older you are, especially over 50 years old, you can't get 60,000 yuan back from the rough car).

In the 20th year, you can get back 120,000.

That is to say, I can get back 120,000 after 20 years.

Right. As long as the cost of protection is not deducted too much because of age, it is basically guaranteed to get 120,000 yuan.

Summary. Hello! Sunshine Life Jinxiangyu Universal Insurance pays 6,000 yuan per year, and if you pay enough to surrender the policy for ten years, it can only be calculated according to the cash value, and there will be losses. It's probably only twenty or thirty thousand.

Sunshine Life Jinxiangyu Universal Insurance pays 6,000 yuan per year, and how much money can be returned after paying ten years of surrender.

Hello! Sunshine Life Jinxiangyu Universal Insurance pays 6,000 yuan per year, and if you pay enough to surrender the policy for ten years, it can only be calculated according to the cash value, and there will be losses. It's probably only twenty or thirty thousand.

This cash account, the salesman then has, you can see, the first year you paid 6000, the cash account is only more than 130, the second year did not grow much, and the insurance premium is completely unequal, my old man bought the one, to 75 years later the cash account and the insurance premium account equal. In other words, there are only two situations when you want to get the 60,000 principal you saved, one is after 75 years, and the other is... Hey, the insured died.

During this period, as long as you want to use money, don't think about the 60,000 principal, because as long as you withdraw it, it will be a very big loss!

Do you still have any questions? Here's the answer! If not, please give it a thumbs up! Wishing you a happy <>

Hello dear, Sunshine Insurance is not able to get back the principal. It can only be said that the income of the insurance you are insured can reach or exceed your principal. At the same time, whether the insurance income can reach or exceed the principal depends on the type of insurance invested.

If you need to surrender your policy, you can check the Cash Value page of your insurance plan to see if the cash value for 10 years is greater than or equal to the principal. If you buy critical illness insurance, it is better to pay for 10 years and reach the principal amount in cash for at least 30 years. If you buy an increased life insurance product, there is basically no problem with the cash value of Kaiyin in the 9th year of the ten-year payment period, and there is no loss after paying the premium, but also a little interest.

If it is medical insurance, whether it is high-end medical insurance, mid-end medical insurance or million-dollar medical insurance, the validity period of the policy is one year, and some products can support renewal, which is consumer insurance. There is no cash value when the policy expires. After expiration, you can only renew or repurchase the policy!

Accident insurance: Generally, it is also a one-year term, and some products support renewal. Some accident insurance has 0 deductible and reimburses outpatient and inpatient expenses caused by accidents.

The same cash value at the end of the policy is 0. Term life insurance: Some of these products are covered up to age 70 and 60, and some are whole life insurance.

Summary. Universal insurance does not stipulate that it must be paid for 10 years, 10 years is the minimum payment of 10 years, it doesn't matter if you can pay for the year, the more you pay, the more money in it! For customers who pay universal insurance, I recommend that you go to 65 years old and check how much your cash value is every year!

Once this year is not more than last year, apply for surrender, use the surrender money to prevent illness and pension, otherwise the cash value may be deducted at that time, first of all, you have this insurance, benefits: free payment, flexible collection. The longer you pay the premium, the more rewards you enjoy, the disadvantage is that the payment period is indefinite, when the sum insured is high, the age is old, and the cost of protection is not enough to deduct, you still need to pay the premium, and the deduction is normal, but the cash value in your policy will also be more and more, because it is compounded by more than 4% annually plus the annual floating dividend, and the interest rolls over.

When you get old, there will be more and more deductions every year, because people are getting older and older, and the mortality rate is getting bigger and bigger, so the cost of the policy, the deduction is getting more and more, I don't recommend you to surrender the policy, it's best not to return, you will definitely lose if you return! It is cost-effective to retire after the age of 65, because you can insure for an additional 20 years, and you can earn more by surrendering the insurance at that time.

I bought Sunshine Life Jinxiangyu Universal Whole Life Insurance, pay it on time for 10 years, pay 6,000 a year, do I still need to pay it for 10 years? If you don't pay enough to deduct the benefit rate.

Okay later. Universal insurance does not stipulate that it must be paid for 10 years, 10 years is the minimum payment of 10 years, it doesn't matter if you can pay for the year, the more you pay, the more money in it! For customers who pay universal insurance, I recommend that you go to 65 years old and check how much your cash value is every year!

Once this year is not more than last year, apply for surrender, use the surrender money to prevent illness and pension, otherwise the cash value may be deducted at that time, first of all, you have this insurance, benefits: free payment, flexible collection. The longer you pay the premium, the more rewards you enjoy, the disadvantage is that the payment period is indefinite, when the sum insured is high, the age is old, and the cost of protection is not enough to deduct, you still need to pay the premium, and the deduction is normal, but the cash value in your policy will also be more and more, because it is compounded by more than 4% annually plus the annual floating dividend, and the interest rolls over.

When you get old, there will be more and more deductions every year, because people are getting older and older, and the mortality rate is getting bigger and bigger, so the cost of the policy, the deduction is getting more and more, I don't recommend you to surrender the policy, it's best not to return, you will definitely lose if you return! It is cost-effective to retire after the age of 65, because you can insure for an additional 20 years, and you can earn more by surrendering the insurance at that time.

That is to say, I will not pay for ten years, and it is cost-effective to surrender the insurance at the age of 65, which is what it means.

That's not cost-effective, and the insurance itself is spending money to spend, such as life insurance, which is a person who is gone, and gives the family a guarantee, you understand it this way.

If you're afraid of spending money, you can't have insurance, you can't save money, you have to protect, you have to earn, so you're wrong.