How about Xinhua Life Participating Insurance

Consultation content: Is Xinhua's participating insurance reliable? For example, if I buy a dividend insurance with an insured amount of 100,000 yuan, pay for 5 years, 20,000 yuan per year, can I receive 260,000 yuan with interest after 20 years?

Consult netizens: Shuguang (Foshan) expert answer: Foshan Xinhua Life Ye Haicheng Xinhua's dividend method is different from other companies, Xinhua adopts the sum insured dividend method, which is very different from the cash dividend of other insurance companies, please learn more online!

Wuhan Xinhua Life Insurance Co., Ltd. should be recognized by the industry for its products of Huiqiong Xinhua, because of the dividends it uses, the insurance that will increase will make customers gradually increase the amount of insurance after purchasing the insurance, which fully demonstrates the function of protection. Not today you buy 100,000 sum insured, 20 or 30 years later, or longer, is still 100,000 insured, with the annual growth, inflation, Xinhua insurance is the insurance will rise, the value of your policy year increases, the unique annual dividend and final dividend based on the sum insured, to give customers the greatest feedback. But good products, not suitable for everyone, all the company's products, are filed by the Insurance Regulatory Commission, have their own characteristics and highlights, customers are to measure whether it is suitable for themselves according to their own needs.

Fuzhou Xinhua Life Chen Lianggang Xinhua Insurance product brand is the result of the long-term accumulation and development of the product system, and is closely related to the law of social and life development. 1. Xinhua Insurance product brand is the specific embodiment of Xinhua Insurance's product culture, which originates from the common characteristics of mainstream products, and the basic purpose of product brand building is to shorten the distance with customers, rather than to improve the height. 2. "Growing up insurance" can directly explain the essence of the "increase culture" of Xinhua insurance products, which is vivid and vivid, and is the product of social and industry development in the initial stage, and calls on customers to pay attention to the improvement of protection needs through professional strength.

3. "Growing up insurance" is in line with the law of the human life cycle, in the period of rapid rise of the country, with the continuous change of their own destiny, change the social class of customers, to realize the ideal of life, to complete the social transformation.

Is that okay?

What the subject wants to ask should be how about the participating insurance of New China Life? In fact, there is no obvious difference between good and bad insurance, only suitable and unsuitable, as long as it suits its own protection needs, then the insurance is worth buying.

Having said that, New China Life is a reliable insurance company supervised by the China Banking and Insurance Regulatory Commission, but this does not mean that its participating insurance is necessarily worth buying. Before entering the relevant assessment, you can first come here to understand the relevant knowledge of insurance: before buying insurance, you must first understand these key knowledge points!

1. How about New China Life?

Founded in September 1996, New China Life Insurance is a state-controlled listed life insurance company, a company directly managed by CIC and one of the Fortune and Forbes Global 500 companies, and was listed on the Shanghai ** Stock Exchange and the Hong Kong Stock Exchange in 2011.

In 2021, New China Life's primary insurance premium income exceeded RMB160 billion, with total assets exceeding RMB1 trillion, and it has been rated A by Fitch Financial Strength Rating and A2 by Moody's for consecutive years.

In the solvency data for the third quarter of 2022, New China Life's core solvency adequacy ratio and comprehensive solvency adequacy ratio reached .74%, the latest risk rating is AA, exceeding the standard line set by the China Banking and Insurance Regulatory Commission, and the solvency is qualified.

2. What about New China Life's participating insurance?

Although the dividend insurance can provide dividend opportunities, the dividend is uncertain, and it may be able to get dividends this year, but it will not be available next year, and the same is true for New China Life's dividend insurance.

This is because we, as consumers, do not know how much the insurance company's earnings can distribute, so the dividends of participating insurance are uncertain.

Hello, after 20 years of premium life annuity insurance (dividend) of Xinhua Insurance, the treatment and dividends that Xinhua Insurance Company will give are actually not fixed.

If you want to know what annuity insurance you can buy, you can click to make an appointment for 1-to-1 insurance planning services, and Deep Blue Insurance Concentrate Insurance Brokers will provide you with professional advice.

First of all, the main body of the product, the income of the annuity insurance part, how much money can be received, when to start receiving and how long to receive, etc., will be written in the insurance contract, this part of the income is fixed, we can receive the insurance money at the agreed time according to the insurance contract, and the dividend part is actually not fixed, after all, the dividend of the product is the company's profit, and the amount of dividends will be affected by the company's operating conditions and market and other factors, that is, Dividend-paying products may have little or even zero dividends.

If the insurance period is 20 years, then you can get the insurance amount plus dividends at the end of the period, and the general insurance amount is higher than your so-called "principal", but it is not much higher. Xinhua's insurance is a dividend after the expiration of the contract. The benefits are substantial.

If the surrender loss is significant, you can check the cash value on your policy. If the insurance period of this insurance is 20 years, you can receive the insurance money after 20 years, including accumulated dividends and final dividends! To choose dividends, you can go to the Insurance Regulatory Commission, and look at the operating conditions of insurance companies on the financial **.

In the Nursing Care Pension, 1% of the insurance premium that pays the basic liability is paid every year. After the effective date of this contract and before the effective date of the declaration at the age of 60, 9% of the insured amount of the basic liability will be refunded every two years, and between the age of 60 and 80, 9% of the insured amount of the basic liability will be paid between the age of 60 and 80.

Participating insurance generally distributes dividends to customers on the basis of protection at 70% of the company's distributable earnings, which can partially protect against inflation.

Dividends are different for each company, according to the investment scale, investment platform, and investment channels of each company, the dividends of products will be different every year, and the amount of dividends also depends on the amount of premiums invested by customers each year and the different product choices.

It is recommended that customers make reasonable choices and plans according to their own circumstances and needs, rather than buying products from the crowd.

Hello! <>

Xinhua Leakage Insurance Dividend Insurance 20 years is reliable. As long as you buy dividend-paying insurance, you will definitely be able to get a certain amount of dividends after meeting the requirements of the insurance company, but it is uncertain how much dividends you will get. Because the vast majority of participating insurance companies can get how much dividends are determined according to the operating conditions of the insurance company, and the participating insurance of Xinhua Insurance Company is no exception.

New China Life Insurance Co., Ltd. (hereinafter referred to as Xinhua Insurance) was established in Beijing on September 6, 1996. It is a national professional life insurance company approved by the first People's Bank of China.

Reliable. First of all, from the insurance company level, this is an insurance company that is regulated by the China Banking and Insurance Regulatory Commission, so there is no need to worry about the problem of compensation, and there is no need to be afraid of bankruptcy.

The standard of Xinhua Insurance's participating type:

1. In terms of insurance age, you can apply for insurance from 30 days old to under 55 years old.

2. In terms of the insurance period, it has been insuring the policyholder until the age of 80.

3. In terms of payment period, you can choose to pay in a single payment, 10 years to pay in 5 years, or you can choose to pay in 20 years.

4. In terms of protection content, it includes survival insurance benefits, maturity survival benefits, death insurance benefits and premium waivers.

5. The policyholder can also choose according to his actual situation, such as the birthday payment, which means that when the insured is over 60 years old, he can enjoy the corresponding life payment on each effective day stipulated in the policy. You can also choose between a death benefit and a total disability benefit. If you die or become disabled before the life benefit is paid, you can receive a certain amount of money stipulated in the policy.

Summary. Hello, after 20 years of premium life annuity insurance (participating) of New China Insurance, New China Insurance Company will pay the insured a survival pension every year until the insured is 80 years old.

After 20 years of premium life annuity insurance (participating type) of Xinhua Insurance, what kind of treatment and dividends will Xinhua Insurance Company give?

Hello, after 20 years of payment of Xinhua Insurance's Exclusive Life Annuity Insurance (Participating Mausoleum Group), Xinhua Insurance Company will issue a living allowance to the insured every year until the insured is 80 years old.

At the same time, enjoy the dividends of the actual profit of the insurance company every year.

If the survival fund and dividends are not received, they will automatically enter the universal account, and the wealth will increase for the second time. You can withdraw it whenever you need it.