Chinese Shou Xinfu pays 50,000 yuan a year, and pays how much money is returned every year for three

Xinfu Niannian under Chinese Life Insurance is an annuity insurance. If you are interested in Xinfu Niannian's annuity insurance, you can take a look at this article to learn more about its evaluation:In-Depth Evaluation|Xinfu Nian Annuity Insurance Product Revealed".

Xinfu is composed of two parts: "Xinfu Annuity" and "Xinfu Annuity Insurance".

When we choose an annuity insurance, the most important thing is the interest rate of this product.

Because the final interest rate result is related to the payment period and the age at which the birthday payment beginsSo let's take the sum insured of 10,000 yuan, 60 years old and 75 years old to receive life money as an example for interest rate calculation:

This is just an example of 10,000 sum insured, if you want to get a higher income, then you have to buy more.

On the whole, Xinfu's interest rate performance is not eye-catching. Because the predetermined interest rate of annuity insurance can be reached, it is not very good to see every year in comparison. There are too many annuity insurance on the market, in order to avoid you stepping on the pit, I have selected ten high-interest rate annuity insurance for your reference in advance:

"Top 10 Annuity Insurance Points Worth Buying! 》

Xinfu Nian Nian is an annuity insurance, so it is inevitable that annuity insurance has shortcomings. If you want to avoid stepping on the pit of annuity insurance, you need to make up for it before buying"Learn this trick and stay away from the pit of 99% of annuity insurance".Hope!

The sum insured can only be paid according to age and payment, as well as gender, 12% of the premium in the first year and 15% of the sum insured from the second year onwards.

Hello, Hezhong Hengying Yisheng pays 50,000 yuan for three years, lifelong stable income and up to 5% current account, so that you can white-collar money for a lifetime.

Hello Ms. Sir, I am Jiang Liping of Ping An Life Company, Life Xinfu and Ping An Zunhong have their own advantages and advantages every year, and there are different standards for cash return, but the same is that the return will enter the universal account for daily interest, monthly interest, annual calculation, compound interest 12 times a year. The same 0-year-old baby as the insured, the policyholder is 28 years old, with an annual investment of 50,000 yuan and three years, and the same mid-range benefit is demonstrated, and the same return is included in the universal account for secondary value-added and does not receive it, until the age of 60, the total policy benefit of the universal (that is, the universal account value is more than 1.9 million, the total survival benefit is 2.1 million, and the accident protection is more than 2.1 million; From the time of Xinfu to the age of 60, the total policy benefit is 1.78 million, and the accident benefit is 2.68 million; The above comparison has its own strengths, depending on the customer's choice, focusing on short-term interests Xinfu is higher every year, and long-term Xinfu is higher than ever. For more information, please contact me on WeChat!

Depending on the age, the return is different, and the first year is 6000

Hello, you can contact me to help you answer.

Hello! Depending on the gender and age of the insured, the amount of money to be returned each year will be determined.

After paying for 1 year, the surrender can only get the cash value and the fixed return and dividends of the universal account, and the total amount cannot be refunded.

We all know that for life insurance, especially long-term life insurance, if you surrender the policy, it is worth the loss for the policyholder, so if you want to surrender the policy, you can consult an expert on how to reduce the loss of surrender.

Due to the characteristics of the insurance industry, after the insurance company sells a policy, the main costs (salesman's commission, policy maintenance, etc.) are generally incurred in the first two or three years after underwriting, so when the insurance contract is concluded, if the policyholder surrenders the policy halfway, especially in the first two or three years, the policyholder will bear most of the economic losses, and the insurance company will only return the cash value of the policy.

The first is to use the grace period to postpone the payment. For long-term life insurance products, insurance companies generally have a 60-day grace period for payment, and the policyholder can pay the premium on any day during the grace period.

If the policy is still unable to pay within 60 days, the policyholder can also take advantage of the two-year grace period, but within two years, the policy is invalid, and the policyholder can apply for reinstatement of the policy when he or she is able to pay, and the policy remains in force. This method mainly allows the policyholder to have a longer period of time to check whether the policy in his hand is suitable for him, and there will be no regret after paying the premium, resulting in a large surrender loss.

Summary. Hello, dear, Chinese Shou Xinfu Nian Annuity is a 2017 opening red annuity product payment period of three years, annual premium payment of 30,000, the amount of surrender in the 6th year of the policy at the end of the 6th year of cash value, about 75% of the premium, the surrender amount of about 68,000 yuan.

Hello, dear, Chinese Shou Xinfu Nian Annuity is a three-year payment period of the opening red annuity product destroyed by Cong Liang in 2017, with an annual premium of 30,000, the amount of surrender in the 6th year The cash value of the policy at the end of the 6th year is about 75% of the premium, and the amount of the slag code surrendered is about 68,000 yuan.

This is a pension, when applying for insurance, you will choose to start from the age of 55 or 60, 65, 70, 75 years old, 75 years old, receive a pension every year, and receive the amount of damage at the age of 80, as a birthday pension to return the principal.

It is not recommended to leave so early, there will be losses, it is not cost-effective.

What about the annual return that has not been received.

If you surrender the policy now, it doesn't count if you haven't started to receive it.

Xinfu's annual pension has not been received.

For example, if you choose to start receiving pension at the age of 65 when you apply for insurance, then you will not start receiving the pension until the insured is 65 years old until the age of 80.

If the selected 60 years old start to receive the pension, then the insured person will start receiving the pension every year at the age of 60 until the age of 80.

The annual pension is 15% of the basic insurance amount

When receiving the pension, you will also receive the birthday payment, which is the insurance premium paid in full, and the birthday pension is the return of the principal.

At the age of 80, 100% of the sum insured will be paid at the end of the insurance period, and the contract will be terminated at the same time.

Pensions, longevity pensions and maturity insurance benefits will automatically enter the universal account after receiving and disbursement.

Is the annual bonus counted, and there is a return.

There are no dividends, this is annuity insurance, not participating insurance.

That Fuman life dividends pay 10,000 a year and 10 years are paid, and now 12 years have not received dividends.

How old is the insured at the time of application? Male or female?

Male. 40s.

Fuman Life is a dividend-paying annuity insurance, this insurance has dividends, from the beginning of the insurance to receive a survival annuity every year until the age of 75, 75 years old and when the expiration of the disturbance will receive the sum insured.

Insured in their 40s.

According to the assumption that the insured is 45 years old, the current companion is 57 years old in the 12th year, the cash price is 53838, the account value is 45648, the accumulated dividend is 10744, and the amount surrendered is 110230 yuan.

Summary. Hello dear is very happy to answer for you, dear, the answer to this question is: after 5 years, you can take out 113,150 yuan at one time Chinese Shou Xin Fu Nian is an annuity insurance, under the banner of Chinese Shou, this is an annuity insurance with an annuity rate.

If you win, pay 20,000 yuan a year for 5 years. The total premium is 100,000 yuan to 5 years later, you can take out 113,150 yuan, of which the income is 13,150 yuan, Xinfu annuity is composed of two parts: "Xinfu annuity" and "Xinfu annuity insurance", in addition to the universal account.

In 2016, Life Xinfu had a term of 2610 years per year, and it has been paid for 5 years.

Hello dear is happy to answer for you, dear, the answer to this question is: after 5 years, you can take out 113,150 yuan at one time Chinese Shou Xin Fu Nian is an annuity insurance, under the banner of Chinese Shou, this is an annuity insurance with an annuity insurance with an annualized interest rate. If you win, pay 20,000 yuan a year for 5 years.

The total premium is 100,000 yuan to Songshu Sakura 5 years later, you can take out 113,150 yuan, of which the income is 13,150 yuan, Xinfu is composed of two parts: "Xinfu Annuity" and "Xinfu Annuity Insurance", in addition to the universal account.

10-year term. Only 5 years have been delivered.

Hello dear, only 60% of the cash value can be refunded in five years

The policyholder can unilaterally terminate the insurance contract during the cooling-off period, that is, the policyholder can surrender the insurance and terminate the contract at any time. ‌

Requirements and procedures for handling surrender of insurance:

The applicant is eligible to apply for surrender. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder must clearly indicate who will receive the surrender money;

If the policyholder applies for surrender, the contract has been in force for two years and the premium has been paid for two years, the insurance company shall refund the cash value of the policy after receiving the surrender application, and if the policyholder has paid the premium for less than two years, the insurer shall refund the remaining insurance premium to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge.

The surrenderer shall provide the following documents when handling the surrender:

If the insured requests to surrender the policy, the applicant shall provide the application for surrender with the written consent of the policyholder;

The insurance policy provided by the surrenderer to prove the conclusion of the contract and the proof of the last payment;

Proof of identity of the policyholder;

If the policyholder or the insured entrusts another person to handle the application on his behalf, the power of attorney of the policyholder or the insured and the identity card of the principal shall be provided.

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