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Xueba talks about insurance, focusing on insurance evaluation! Recently, we have compiled a comparison table of 35 popular participating insurances and 101 critical illness insurances, which is very comprehensiveComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in China, to friends who know this article.
Participating insurance refers to an insurance company that distributes the distributable surplus to customers in the form of cash or value-added dividends according to a certain proportion, which not only has a protection function, but also can obtain dividends, killing two birds with one stone.
Participating insurance is very popular in the market because it has both protection and financial management functions, but many people regret it after two years after buying it, because there is a large income gap before and after buying.
The main reason is that consumers do not know enough about participating insurance
First, the dividends of the policy depend entirely on the economic environment and the experience of the insurance company, which is uncertain.
Second, the dividend pool is not transparent.
These two characteristics of dividend insurance make the real income of dividend insurance an unknown, and it makes dividend insurance a peak type of insurance for customer complaintsWhy is participating insurance a "high-incidence area" for insurance?
With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!
That's all for me"Pacific Red Blessing Insurance Participating 5 Years Pay 15 Years Insurance How much money can you get if you buy 4 years"All, look!
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The algorithm is more complicated, this product has a survival fund, and there are dividends, it is recommended to increase personal information and call 95500 to check it on No. 2.
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This insurance will receive the basic sum assured + bonus at one time after 15 years.
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Summary. Hello, no, Pacific Lao Laifu is a whole life insurance, there is no problem of whether to return the principal, the policy beneficiary of this insurance can enjoy the insurance company's operating results of the dividend product, and can also be matched with a universal account, the policyholder will get the blessing money, pension, dividends into it to enjoy compound interest appreciation. Although this insurance does not return the principal, the beneficiary can receive the corresponding insurance money in accordance with the provisions of the contract after the natural death of the insured, and this insurance can also be attached to critical illness insurance in advance, and there is also compensation for the occurrence of critical illness agreed in the contract.
Hello, no, Pacific Lao Laifu is a whole life insurance, there is no problem of returning the principal by hand, the policy beneficiary of this insurance can enjoy the operating results of the insurance company's dividend products, and can also take the imitation bright with the universal account, the policyholder will get the blessing money, pension, dividends into it to enjoy compound interest appreciation. Although this insurance does not return the principal, the beneficiary can receive the corresponding insurance money in accordance with the provisions of the contract after the natural death of the insured, and this insurance can also provide additional critical illness insurance before the family wide, and there is also compensation for the critical illness agreed in the contract.
Buying insurance should be chosen according to your own situation, and the one that suits you is the best.
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This insurance is okay, I think it's pretty good.
1. Invest within a limited time, receive it for life, and enjoy a lifetime of high blessings
Pacific Laolai Annuity Insurance (Dividend) has a premium of 10,000 yuan per insurance, and from the corresponding date of the fifth contract effective date, customers can regularly receive high blessings according to the contract until life.
2. The combination is versatile, continuous value-added, and the planning for the elderly is flexible and intimate
Customers can choose to purchase it in combination with universal insurance, and the blessing money and bonus of the product can be entered into the designated universal account, or the account income settled by Li on a monthly basis will be included in the account value and participate in the account settlement in the next month. Customers can receive pensions every year or monthly according to the agreed amount or proportion, and flexibly design pension plans according to their needs, so as to plan for the elderly more intimately.
3. Accident protection, double the value, flexible and tailor-made
It can be combined with additional long-term accident insurance to multiply accident protection, and the insurance period is flexible to meet the needs of customers for a variety of risk protection.
4. Premium waiver, comprehensive care
Customers can choose to purchase additional policyholder premium waiver accident insurance, in addition to protecting the safety of customers' capital income, it can also prevent the risk of accidental death and total disability, such as the death or total disability of the policyholder can be waived for the subsequent insurance premiums, and the waived insurance premiums are deemed to have been paid.
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Summary. In fact, many insurance plans are like this, with higher contributions and higher cash value with longer periods. Many insurances just start to pay 100,000 yuan, and the longer the later the term, the more you can get more than 1 million in the end, but the time will be very long, generally waiting for about a few decades.
Hello dear! In response to your question about how much money can you receive after paying 50,000 to 60 years old, you can answer the question of how much you can get after you are 60,000 years old: you can receive 570,000 yuan after you are 60 years old.
In fact, many insurance companies are like this, the higher the premium, and the higher the cash value of the later years. Many insurances just start to pay 100,000 yuan, and the longer the later the life, the more you can get more than 1 million in the end, but the time will be very long, generally waiting for dozens of plums and potatoes in the end. Which.
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Summary. Dear, hello, I have been waiting for a long time, thank you for waiting, and now I will answer your question about Pacific Life Hongfubao Insurance (Dividend) 10 years 5 years limited to 2000 for one year, how much money can you have when it expires after 10 years? This question, hello, this insurance is a participating insurance, after you pay 5 years, the principal is 20,000, there are blessings, congratulations, and the expiration of the survival fund, adding up to about 30,000, I am also giving you an estimate, the actual amount is subject to the terms of your contract.
Hope mine is helpful to you<>
Pacific Life Hongfubao Insurance (Participating) 10 years 5 years limited to one year to pay 2000, how much money can I have when it matures after 10 years?
Dear, hello, I have been waiting for a long time, thank you for waiting, and now I will answer your question about Pacific Life Hongfubao Insurance (Dividend) 10 years 5 years limited to 2000 for one year, how much money can you have when it expires after 10 years? This question, hello, this insurance is a participating insurance, after you pay 5 years, the principal is 20,000, there are blessings, congratulations, and the expiration of the survival fund, adding up to about 30,000, I am also giving you an estimate, the actual amount is subject to the terms of your contract. Hope mine is helpful to you<>
Dear, I'm sorry, I read the wrong amount you paid, and now I will answer for you again, after you pay 5 years, the principal is 10,000, and there are blessings, congratulations, and the due survival fund, which adds up to about 20,000, I am also giving you an estimate, and the actual amount is subject to the terms of your contract. Hope mine is helpful to you<>
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Xueba talks about insurance, focusing on insurance evaluation! Recently, we have compiled a comparison table of 35 popular participating insurances and 101 critical illness insurances, which is very comprehensiveComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in China, to friends who know this article. >>>More
The reason why many people think it is deceptive is because the premium has not been paid, or the policy is surrendered early, so you can only return the cash value, and you cannot return all the premiums you have paid. There is a fee for providing you with protection. The reason why you don't see the income until ten years later is that your dividend income is greater than the protection cost you spend after ten years, and generally speaking, the longer the time, the more dividend income.