Ping An Xinli Insurance of China, the advantages and disadvantages of Ping An s Xinli Insurance

Xueba talks about insurance, focusing on insurance evaluation! Hey? It seems that many people have been talking about this product recently, and we need to know in advance that this is a comprehensive insurance (participating).

In fact, both insurance (dividend) products will have "pits" that we don't know, and the same is true for this product, in order to prevent everyone from stepping on the pit innocently, the senior sister wrote an article, if you are interested, you can learn about itDon't buy seven [participating insurance]** points!

Recently, I saw a lot of fans urging me to sort out the evaluation content of this insurance, and I just brushed up on your question, and now I will share this guide with you, I hope it will help you!

How about Ping An Xinli? Is it worth buying?

How about this Ping An comprehensive insurance (participating) product? Is it worth buying? Let's start with a picture

1.Critical Illness Benefit:After fully understanding, I found that as a comprehensive insurance (participating type), the critical illness protection function attached to the product is equivalent to non-existent, and only critical illness can be paid, and there is no compensation for moderate and mild illness.

Here's the point! What is the financial function of this product? Xinli 2017's income is mainly brought by four modules: survival insurance, maturity survival benefit, death insurance and dividends brought by the policy.

2.Let's take a look at the survival insurance benefit and the maturity survival benefit:This product can receive 6% of the basic sum assured in the fifth year, and double the basic sum insured if you reach the age of 80.

For example, a 30-year-old man has insured 100,000 Ping An Xinli insurance (dividend) products, and paid in 30 years, then from the age of 35 to the age of 80, there is a dividend of 6,000 every year.

As can be seen from the figure, the income of survival insurance is indeed very ordinary, but it is actually capital preservation after a long time. Let's move on to the third part.

3.Death Benefit:This product is very common in calculating the death benefit, which will take the greater of the premium paid or the present value of the premium paid as the payout amount after death.

4.Policy Dividends:In fact, as a comprehensive insurance (participating), he will also give us a share of the policy dividends.

The interest rate on dividends is uncertain, and in most cases it will not reach the high or low level in the middle range, and there are three ways to get it. I'm going to use the accumulation method and I'm going to use the mid-range rate to demonstrate once.

Objective evaluation, the rate of return is indeed relatively low, the industry generally believes that both insurance (dividend) to reach more than three points to be called qualified, this product is indeed a relatively low rate of return. It is not recommended.

Still can't read it? It's okay, let's take a look at the article I wroteWhy are there so many complaints about participating insurance? Demystifying the mystery of participating insuranceHope!

Xinli is a very simple insurance, received every two years, lifelong dividends, and has the dual functions of protection and financial management.

However, I don't recommend paying for a short period of time, as the protection function will be missing, (after 5 years, the payment exceeds the sum insured).

Basically, most insurance plans (except for some short-term payment insurance) have as long a payment period as possible, so as to diversify the risk and avoid inflation.

It is recommended that you go and change the payment period to 20 or 30 years.

1. Advantages of Ping An Xinli Annuity Insurance:

1. The brand is big.

2. It can lock in interest rates and realize rigid savings. Although the level of lock interest is relatively low, it can still achieve the safety of family assets under the insurance law, which is actually the basic function of annuity insurance.

3. Return every two years, 80-year-old survival fund.

4. The exemption function of critical illness does not affect the main insurance.

2. Disadvantages of Ping An Xinli Annuity Insurance:

1. The dividends of annuity insurance are not guaranteed, and the lack of guarantee here can lead to the fact that the dividends that the insured can receive are all judged by the insurance company, and there is no guarantee for more or less, and the investment methods of insurance companies on the mainland are restricted, even if it is the most high-end demonstration, the income is still very low.

2. The universal interest rate is low and cannot well resist inflation (the latest inflation rate is that unless it reaches the highest and middle range, the return ratio of the universal annuity insurance is not attractive.)

3. The premium is high, the cost performance is low, the production of Ping An Life, I have never seen a match with the word cost performance, and the advertising cost of more than 10 billion yuan per year comes from **? I'm sure you know what to expect.

4. Additional insurance is unattractive, whether it is critical illness or medical treatment or additional accidents, it is unattractive, which is also what Ping An has been criticized for, giving money, but there is no good product, and it can't stand the comparison.

Extended information: Take the 20-year-old male with a 20-year payment period of 50,000 yuan as an example, and pay 8,280 yuan per year. The total benefits that customers can receive are as follows:

5-80 years old receive 3,000 yuan per year. 80-year-old one-time 100,000 yuan. The greater of the premiums paid and the cash value paid in the event of death during the insurance period.

Enjoy floating dividends during the insurance period. The total premium paid by the customer is 8,280 yuan * 20 years = 165,600 yuan, if the insured is still alive at the age of 80, the total fixed benefit received by the customer is 3,000 * 76 + 100,000 = 328,000 yuan. The dividend benefit is determined by the company's operating conditions.

The benefit presentation table I made in Ping An's marketing system showed that the mid-range cumulative dividend at the age of 80 was 422751 yuan. But the dividend benefit is uncertain, this figure is for reference only We will calculate the case above, because the dividend is uncertain, but it cannot be calculated, we still calculate it according to the mid-range dividend. The total premium paid by the customer is 165,600 yuan, and the total benefit received by the age of 80 is 328,000 + 422751 yuan = 750751 yuan.

We might as well extrapolate what the annualized comprehensive income is. After a simple calculation, I have come to the average annualized rate of return of Ping An Xinli close to.

Summary. Hello, Ping An Xinli is a product of Ping An Insurance, not a lie, found in the process of use, and the salesman said differently, you can ask for a full refund.

Ping An Xinli, this insurance deceives.

I feel cheated, can I sue.

Hello, Ping An Xinli is a product of Ping An Insurance, not a lie, found in the process of use, and the salesman said differently, you can ask for a full refund.

You can file a lawsuit or file a complaint with the CBIRC.

Ping An Xinli general payment period of 20 years, 20 years of payment expires do not need to pay, every 2 years of return, called fixed return, also known as survival money, according to 7% of the amount of insurance returned to the customer every 2 years, every two years to receive 2800 and annual dividends have lasted until the age of 80, to the age of 80 to pay the maturity of survival insurance 80,000. If the insured dies before the policy anniversary of the 18th birthday, the insurance company will refund the premium paid and increase the value at an annual rate. If the insured passes away after the policy anniversary of the age of 18 (up to and including the policy anniversary of the age of 18), the insurance company will pay the death benefit2 of the sum insured.

There is nothing bad about insurance, only suitable for you, many young parents are buying this insurance in Ping An to prepare for their children's future education expenses. Because this product not only has a protection function but also a financial management function, 7% of the sum insured is returned every two years until the age of 80, and there are dividends every year until the age of 80, and there is also an exemption function, if the premium after the critical illness occurs during the payment period, the premium does not need to be paid, but the return and dividends remain unchanged.

Hello, it depends on who you are buying for, what the insurance covers, if it is a child is very suitable, it can be used as an education fund, it can also be used for major illness protection, it is a very good insurance, if it is an adult, it is not very suitable.

It's good for children to buy, and the younger the better, and adults are recommended to buy Xinsheng! Good protection!

Hello, I am a salesman of Ping An Chengdu of China.

It's not good to only deal with Xinli, as everyone said, only the right one, I mix Xinli and Xinxiang because Xinli's protection is really...

And it is generally better for small children.

If you are between 20 and 40 years old, it is recommended that you apply for universal insurance, and universal insurance has a lot of room for operation.

You can focus on three aspects: security, income and pension.

But friend, let me tell you something: insurance is the embodiment of responsibility and love, and insurance is more important than protection, and income is secondary.

Life is not as good as Pacific Insurance Hongxin.

Any insurance product is relatively good, but the key for customers to buy insurance products is to meet their own needs!

Adults buy outsmart life (universal insurance) This insurance is more suitable for you. The benefits and guarantees are more comprehensive.

It can only be said that it is not suitable for good or not.

There is no good or bad insurance, only suitable and unsuitable.

All insurance is good.

It depends on your situation, who to buy it for, and how much to buy.

What's not good. It's okay, depending on your needs. You can see the money in these two years.

Full name of the product.

Ping An Xinli Insurance (Participating).

Product Category: Participating insurance. Product Category.

Primary Insurance. Affiliation.

Ping An Life Insurance Co., Ltd. of China****.

Characteristics of insurance types. l It can be returned every two years and can also accumulate interest.

l Double payment at maturity to enjoy the joy of family.

There is no upper limit to the love of children's customers.

l Annual Policy Bonus adds an extra bonus.

Policy Benefits. l Survival insurance benefits.

For every second anniversary of the effective date of the main insurance contract, we will pay the "survival insurance benefit" at the rate of 7% of the basic sum assured.

l Maturity survival insurance benefits.

If the insured is still alive on the policy anniversary when the insured reaches the age of 80, we will pay the "Maturity Survival Benefit" at twice the basic insurance amount, and the main insurance contract will be terminated.

l Death benefit.

If the insured passes away before the policy anniversary of the 18th birthday, we will refund the premium paid and increase the value with simple interest at an annual growth rate, and the main insurance contract will be terminated.

If the insured passes away after the policy anniversary of the 18th birthday (including the policy anniversary of the 18th birthday), we will pay the "death benefit" at 2 times the basic sum assured, and the main insurance contract will be terminated.

The premium paid is calculated based on the annual premium determined by the basic sum insured at the time of death.

The basic sum insured mentioned in the above "Death Benefit" does not include the relevant benefits arising from the distribution of dividends. [1]

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