How to get money after ten years of payment of Pacific Insurance Jintai Life B

Founded in 1991, Pacific Insurance Company is a senior insurance company and has been selected as one of the world's top 500 companies for eight consecutive years. Regarding the Pacific Insurance Company, I analyze it from the following three questions::

1.Is the product launched by Pacific Insurance worth buying?

The main products of Pacific Insurance are Jinyou Life, Children's Super Treasure Enjoyment Million, Xin Satisfaction, etc., I spent a week researching Pacific Insurance's products and sorted out one"List of the Seven Best Products to Buy in Pacific Insurance".

Friends who are interested in Pacific products can click on it to take a look.

2.In terms of service, is the level of Pacific Insurance high?

The China Banking and Insurance Regulatory Commission (CBIRC) rates insurance companies based on their claims service, complaint rate, business processing speed and other indicators, with the highest grade being AAA and the lowest being D, in order to give consumers a standard.

Let's take a look at Pacific Life's service ratings:

3.Is Pacific Insurance reliable?

I will ask friends who are unreliable in insurance companies, probably because they are worried about the difficulty of making insurance claims. This is easy to do, the more reliable the company, the higher it must be in the ranking of the same industry. I vomited blood before I sorted out a following:

The latest version of the top 10 insurance company list!

You can see which companies are going beyond Pacific Insurance.

That's all for me"How to get money after ten years of payment of Pacific Insurance Jintai Life B"All, look!

Hello! This product mainly has an annuity conversion function, which can be used as a pension, and it will not be returned at ordinary times.

I don't usually receive money. It can be used as pension money.

Jintai Life is a protection product, if you need money, it is recommended to use the policy loan to take it out.

If it is a protection type, it can insure you for lifelong illness, and you can't get much money, which is the cash value on the contract.

You look at the policy contract, it's very detailed.

If this product is not surrendered, the principal cannot be recovered. Jintai Life Part B Whole Life Insurance Participating Type is whole life insurance, which means that the claim will only be made when the person is gone. However, the annual dividends can be withdrawn and used.

If you have to take the principal, you can choose to surrender the policy, and if there is a loss when you surrender the policy, you can only get back a part of the principal.

Through the more than 100,000 customers who usually receive, it is found that few people can really buy the right annuity insurance, and everyone ignores these problems"Annuity Insurance Purchase Strategy Sharing! Don't jump into these pits anymore! 》

The insurance liability of Jintai Life B whole life insurance participating type:

1. If the insured suffers from accidental injury, or dies or becomes totally disabled due to reasons other than accidental injury after 180 days from the date of the effective date of the contract or the last reinstatement (whichever is later), the company shall pay the death insurance benefit or total disability insurance benefit according to the effective insurance amount at the time of death or total disability, and the contract shall be terminated.

2. If the insured dies or becomes totally disabled due to reasons other than accidental injury within 180 days from the date of the effective date of the contract or the last reinstatement (whichever is later), the company shall pay the death benefit or total disability insurance benefit at the rate of 125% of the amount of insurance premiums paid, and the contract shall be terminated. In the event of a reduction, the "premium paid" will be reduced in proportion to the reduction.

The premium period must be paid, and the additional insurance does not need to continue to be paid, and if it is not paid, it will have no impact on the main insurance.

Your life insurance is paid dividends. Let's educate you. Life insurance is based on the condition that a person's life is terminated.

Dividends are an extra feature. Dividends are not fixed.

Annuity conversion means that the cash value corresponding to this contract is converted into cash for you. For example, let's say the contract is worth ten dollars. Then you can choose to withdraw the five dollars in cash. There is only five dollars left for the sum insured.

You have deviated from the original intention of buying insurance, you are a piece of life insurance is based on protection, not financial management, if you can choose the corresponding financial insurance.

Doing insurance is a policy **, there are many people who can live to 70 years old, people die and there is nothing, insurance is to draw cake deception, the main thing is to have the insurance period and life age of the flicker, the amount of insurance and unknown results to 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.

You may never see the so-called dividends, even if you show them, they are just a number, and you will never see them, let alone get the money.

This is a protection insurance, with dividends (dividends are uncertain), the return itself is very slow, 20 years is the payment period, the protection is lifelong, it is impossible to return to the capital.

In the 20th policy year, the cash value per 10,000 yuan is $1,338, and the sum insured is 221,338 22=29,436

The annual premium is 4810 yuan.

For the 59th policy year, the cash value is $4,919.

4919 22 = 108218 (this is the amount without calculating dividends).

From the cash value, the surrender is basically not able to take out the money, it is recommended to consider comprehensively, if there is indeed a good alternative product, you can stop the loss in time! Of course, it is necessary to make up for the lack of protection in advance to avoid the risk of a gap in the surrender period!

This is a whole life insurance product, the surrender loss is very large, from the cash value table, the surrender at the end of the first year at the end of the maximum return of a few hundred yuan. If you want the protection of this insurance, you still don't need to surrender the policy. If you just want to make a profit, this insurance is not suitable, and it will be a few thousand yuan to surrender after 2 years, what is the point?

The protection function of this insurance is very strong, so let's take a look at this aspect.

Judging from the ** you uploaded, your cash value and the cash value of your dividend insurance amount are the same in the 20th year, but your insurance dividend is floating, and you are not sure how much you can get, but the cash value of the insured yuan is only 1338 yuan if you surrender the policy in the 20th year, which means that you can only refund 1338 yuan in the 20th year.

It is not recommended to take it immediately, and if you really want to take it, you can only [surrender]. I bought the 2014 version.

Jinyou is a whole life insurance, after the full payment and no claims have occurred, if you want to take it out, you can only surrender the policy, and this can only return the cash value and the sum insured dividend; At this time, the cash value and accumulated dividends are far less than the premiums paid, so you will lose some principal.

2) If you are really anxious to use the money and do not want to surrender the policy and lose the principal, you can consult the insurance company for a policy loan;

3) If you really want to surrender the policy, it is recommended to consult the insurance company's current cash value + how much the accumulated dividends are, as well as the compound interest calculation for each year in the future, and then evaluate by yourself which year you can offset the cost (cost = principal + possible inflation discount in these years + if you use the paid premiums to manage your conservative profits).

I also don't think it's cost-effective to buy long-term participating insurance now. Woo

Summary. Hello, dear, happy to answer for you. Hello, The Pacific "Jintai Life (Section B) Whole Life Insurance Participating" insurance you purchased cannot fully return the principal after paying the premium for ten years, and the whole life insurance is to protect the death liability and add critical illness insurance; These are pure protection products.

If you want to get back the premiums you have paid, you can only surrender the policy, and the surrender money is the cash value of the policy.

Pacific "Jintai Life (Section B) Whole Life Insurance Participating" insurance is a lifelong health insurance, not financial insurance, and cannot receive money. The insurance company's contract stipulates that you can't get it back until you are 60 years old. If the principal is not withdrawn, it can be converted into a pension and a pension can be received every year.

Withdrawing money at the end of the 10-year premium payment period is equivalent to surrendering the policy, and only the cash value of the policy can be refunded, and there will be a certain loss.

According to the different ways of paying premiums, there are three types of life insurance: whole life insurance with full payment of premiums, whole life insurance with regular payment and whole life insurance with one-time payment. The disadvantage of whole life insurance is that the insured cannot receive the insurance money during his or her lifetime, and can only surrender the policy to receive the cash value, which cannot solve the pension problem.

Can I get the full refund of the principal of the Pacific "Jintai Life (Type B) Whole Life Insurance () Participating" insurance I purchased after paying the premium for 10 years?

Hello, dear, happy to answer for you. Hello, The Pacific "Jintai Life (Section B) Whole Life Insurance Participating" insurance you purchased cannot fully return the principal after paying the premium for ten years, and the whole life insurance is to protect the death liability and add critical illness insurance; These are pure protection products. If you want to get back the premiums you have paid, you can only surrender the policy, and the surrender money is the cash value of the policy.

Pacific "Jintai Life (Section B) Whole Life Insurance Participating" insurance is a lifelong health insurance, not financial insurance, and cannot receive money. The insurance company's contract stipulates that you can't get it back until you are 60 years old. If the principal is not withdrawn, it can be converted into a pension and a pension can be received every year.

Withdrawing money at the end of the 10-year premium payment period is equivalent to surrendering the policy, and only the cash value of the policy can be refunded, and there will be a certain loss. According to the different ways of paying premiums, there are three types of life insurance: whole life insurance with full payment of premiums, whole life insurance with regular payment and whole life insurance with one-time payment. The disadvantage of whole life insurance is that the insured cannot receive the insurance money during his or her lifetime, and can only surrender the policy to receive the cash value, which cannot solve the pension problem.

Can I get my principal back when I surrender the policy at age 60?

Hello, Pacific "Jintai Life (Section B) Whole Life Insurance Dividend" Insurance This is a lifelong health insurance, not financial insurance, and cannot receive money. The insurance company's contract stipulates that you can't get it back until you are 60 years old. If the principal is not withdrawn, it can be converted into a pension and a pension can be received every year.

How much pension can I get each year after the age of 60?

This is a whole life critical illness insurance with dividends, pay for 10 years, and want to return the principal, that is, surrender the policy, surrender the cash value of the policy, and the cash value of the 10-year cash value is not enough for the principal. The so-called conversion of pension is a rhetoric, or surrender, and the protection function is all invalid after surrender.

At the end of 10 years, the surrender is not refundable to the principal, I also paid Jintai Life B, last year was paid, if the surrender is the policy, there is a loss of nearly 10% of the principal.

Summary. Hello, Pacific Jinyou Life is a critical illness insurance, dividends, the main costs are converted to the cost of protection, surrender can not be much money, 5 years, refund about 30%, the loss is very large, it is not recommended that you return, because this protection is including critical illness, surrender loss not to say, the protection is gone, I hope I can help you!

Pacific Insurance Jin You Life 2017b has been paid for five years, and how much money can be refunded now.

Hello, Pacific Jinyou Life is a critical illness insurance, dividends, the main costs are converted to the cost of protection, surrender can not be much money, 5 years, refund about 30%, the loss is very large, it is not recommended that you return, because this protection is including critical illness, surrender loss not to say, the protection is gone, I hope I can help you!

There is too little to retreat.

The main value is the cost of guarantee, and only after the full number of years can you get some back.

How much money can I get back after 14 years?

About 80% of the payment period can be refunded.

Are you 15 years old?

Pay 2120 yuan per year.

After the full payment period, assuming 20 years, you can return about 30,000 yuan.

You open the policy, there is a cash value change, and you look for the cash value at the end of 20 years.

20 was 1918 in the year

You send me a picture and I'll do the math for you.

1918 is the cash value of each copy, you don't buy one.

You look at how many copies you bought, the number of copies, and the amount of insurance is 10,000.

This is the cash value corresponding to each one, and the sum insured is about 80% for every 10,000 yuan.

Summary. Hello, after 10 years, the principal cannot be refunded in full, only the cash value of the 10th year.

Can I get the full refund of the principal of the Pacific "Jintai Life (Type B) Whole Life Insurance () Participating" insurance I purchased after paying the premium for 10 years?

Hello, after 10 years, the principal cannot be refunded in full, only the cash value of the 10th year.

The insurance is not fully surrenderable at the end of the term, but only the cash value of the current year. For example, after 10 years, you can only return the cash value of 10 years. It is not recommended to surrender the policy after the expiration of the policy, because after the surrender of the policy, all the benefits can not be continued and there will be losses.

It is recommended to wait for the cash value of the insurance to be greater than the principal paid, and then choose to surrender the insurance or wait for the age of filial piety and then choose to surrender the insurance. Therefore, after the expiration period, you can wait for a long time before choosing to return.

Summary. Jin You Life can not be said to return to the principal after 20 years, but if the policy is surrendered after 20 years, you can generally refund the money equivalent to the premium paid, with the 18th edition of Jin You Life paying 20 years for life, the first year premium is 8280, and the additional Jin You Life pays Critical Illness Insurance A 18 version for 20 years for life, and the first year premium is 3510 for example, after 20 years, the cash value of the refundable policy is 171428, which is greater than the premium paid. Jinyou Life is a whole life insurance of Pacific Insurance, which will increase with time after purchase, and its additional critical illness insurance is essentially an increased critical illness insurance.

Hello dear, no.

Jin You Life can not be said to return to the principal after 20 years, but if the policy is surrendered after 20 years, you can generally refund the money equivalent to the premium paid, with the 18th edition of Jin You Life paying 20 years for life, the first year premium is 8280, and the additional Jin You Life pays Critical Illness Insurance A 18 version for 20 years for life, and the first year premium is 3510 for example, after 20 years, the cash value of the refundable policy is 171428, which is greater than the premium paid. Jinyou Life is a whole life insurance of Pacific Insurance, which will increase with time after purchase, and its additional critical illness insurance is essentially an increased critical illness insurance.

The cash value of the policy is a cash value table on the paper policy. The cash value refers to the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract. In general, it can be simplified as:

Cash value of the policy = premiums paid Management expenses apportioned amount Salesman's commission Net premiums required for the insurance company to bear the insurance liability of the policy Interest accrued on the remaining premiums. The insurance company will give a clear cash value statement for the year.

I bought the 2014 version.

It's all the same. Not against the original.

It's been 7 years.

Well. Only cash value can be refunded.