Can the principal be refunded in the end?

With its strong financial strength, Taiping Insurance has been selected as one of the Fortune Global 500 for eight consecutive years, and it is a senior insurance company founded in 91. Let's evaluate Pacific Insurance Company with the following three questions:

1.How cost-effective are CPIC's products?

Blessing and health, Jinfu life, auspicious treasure d, wealth and wisdom win-win, enjoy millions and so on are the popular products of Pacific Insurance, I stayed up late last night to sort out the products of Pacific Insurance, and sorted out one"Seven Products Worth Buying for Pacific Insurance".

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

2.Is the service level of CPIC high?

In order to provide consumers with a standard, the China Banking and Insurance Regulatory Commission (CBIRC) has rated the services of insurance companies according to indicators such as complaint rate, claims service, and business handling efficiency, with AAA rating being the highest and D rating being the lowest.

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

Pacific Life has a rating of AA and is performing well. However, the rating changes every year, and next year will be different.

3.Is Pacific Insurance reliable?

Some people are worried that Pacific Insurance is unreliable, probably because they are worried about not making claims after buying insurance. This is easy to do, and the higher the ranking, the more reliable it is. I vomited blood before I sorted out a following:

The latest version of the top 10 insurance company list!

You can look at which companies go beyond the Pacific.

That's all for me"Can the principal be refunded in the end? "All, look!

Yes, it can be profitable. After taking a sum of money at the age of 18, 19, and then taking a sum of money at the age of 25, and then surrendering the policy can protect the principal. Earned security; If the policy is surrendered when the child is 60 years old, the bonus will be even greater. It depends on age and premiums.

Summary. Hello, this question is up to me, and I can return about 70%-%80. This product is a dividend-paying product, its cash value growth is still relatively good, 10 years is already in the middle and late stages of payment, so at this time if we want to surrender the policy, we can generally return more costs, probably should be able to return about 70 80%.

Specifically, you can take a look at the cash value table in the policy, and the cash value corresponds to the premium that we can return when we surrender the policy.

How much can be refunded after 10 years.

Hello, this question is up to me, and I can return about 70%-%80. This product is a dividend-paying product, its cash value growth is relatively good, 10 years is already in the middle and late stages of payment, then at this time if we want to surrender the policy, generally can return more costs, probably should be able to return about 70 80%. Specifically, you can take a look at it, there is a cash value table in the policy, and the cash value corresponds to the premium that we can return when we surrender the policy, you can take a look at when it is more cost-effective to surrender the policy, and then choose a more cost-effective time to surrender the policy.

This product is a participatory insurance product, if you survive it is Tan Huihui can receive a special survival fund, if you unfortunately die, you can also receive the premium or the amount of insurance in accordance with the regulations, this product belongs to the death premium before the age of 18, after the age of 18 to the age of 25 to pay twice the premium, after the age of 25 death can pay the sum insured. So such a product, if you pay for 10 years and want to return the package, you can definitely return it, but at this time, there is still a big loss for us, so we still have to think about it carefully. If we want to surrender the policy, we can only go to the insurance company to deal with the surrender of this product, first of all, we can call the customer service of the Pacific Insurance Company**, please ask the Pacific Insurance Company from our close business outlets.

Then we can bring the information required for surrender to the business branch to process the surrender, or we can entrust someone else to help us handle the surrender. The information required for surrender is a copy of our personal identity document and the original, a copy and the original of the bank card, the surrender application and the original contract. In addition, if you entrust someone else to surrender the policy, you also need to write a power of attorney and bring your own ID card to handle the surrender.

Summary. Hello, honored with your question!

OK. Pacific champion red is a comprehensive insurance, surrender can directly call customer service **95500 to apply, you can also directly bring your valid identity documents, bank card, insurance policy to any Pacific Insurance outlets counter to go through the surrender procedures, generally need to fill out a "insurance contract termination application".

In addition, you can also directly find the salesman to help apply for surrender, but the policyholder also needs to provide the corresponding surrender information.

Can I surrender the insurance after 6 years?

Hello, honored with your question! You can directly call customer service **95500 to apply for surrender, or you can directly bring your valid ID card, bank card, insurance policy to any Pacific Insurance outlet counter to go through the surrender procedures, and generally need to fill out an "Application for Termination of Insurance Contract". In addition, the Pacific champion red surrender can also directly find the salesman and ask him to help apply for surrender, but the policyholder is also required to provide the corresponding surrender information.

How much will be lost to the surrender economy.

If you think about surrendering the policy after the hesitation period, it is very cost-effective, a policy of several thousand yuan, surrender may only return a few hundred yuan or even less, because the surrender is the cash value of the return rather than your premium, the earlier the surrender, the lower the cash value.

Summary. Dear, glad to answer for you. During the validity period of the contract, the insurance company determines the dividend distribution plan according to the actual operating conditions of the participating insurance business, and will provide a dividend report to the policyholder each policy year, but the policy dividend is not guaranteed.

Guess the vertical, I'm happy to answer for you. During the validity period of the contract, the insurance company will determine the dividend distribution plan according to the actual operating conditions of the participating insurance business, and will provide the policyholder with a dividend report every policy year, but the policy dividend is not guaranteed.

Expand for you. Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility for compensating for the property damage caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract. From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for the loss; From a social point of view, insurance is an important part of the social and economic security system, and it is the social production and social life"Delicate stabilizer";From the perspective of risk management, insurance is a method of risk management.

Summary. 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.

Generally speaking, it can be simplified as follows: cash value of the policy = premiums paid management expenses apportioned amount salesman commission net premiums required by 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.

Hello dear! If the premium can be refunded, 30% 60%, because the surrender can only refund the value of the insurance payment, how much can be refunded? You can open the cash value table of the policy to see what the corresponding cash value is for the corresponding year.

The cash value of the policy is a cash value table on the paper policy. The collapse of the cash value refers to the part of 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 specific figure will be given by the die slag insurance company for the year with a clear cash value table.