Taikang Gold Full Position Insurance Dividend I bought it for five years, can I get the principal

Taikang Jinmancang Insurance 10-year product, you can't get back the capital when you die, and you will lose money! If it is 5 years, you can get it back in the 5th year. However, if you put money in it for 5 years and didn't earn a dime, is it worth it?

But if you have just bought it, I advise you to return it immediately! The yield of this product is too low. More than 100 dividends per year. Not good at all.

Since you bought it for 5 years, you can't put it for 6 years! This income is very poor, not even comparable to the regular period! It's almost the cost + a little charity. It's better to save a fixed term and then send 200 yuan to buy an insurance.

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Participating insurance, in fact, is a sum of your money, part of the purchase of protection, part of the investment, just like many people think, financial protection is not wrong.

Indeed, participating insurance is quite popular with customers in the form of "protection + dividends", the question is, is participating insurance really so good? In fact, the protection function of participating insurance is very weak, and the income is not satisfactory.

The main reason is that consumers do not know enough about participating insurance

Clause.

1. The distribution method of participating insurance is uncertain.

Second, the dividend pool is not transparent.

The existence of these two characteristics makes the dividends that customers can get an unknown, and because of this, the dividend insurance has become the insurance with more consumer complaintsWhy is participating insurance a "high-incidence area" for insurance?

There are detailed explanations inside.

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!

That's all for me"Taikang Gold Full Position Insurance (Dividend) I bought it for five years, can I get the principal back in the sixth year?"All, look!

If you die, you can get your money back.

Generally, it is difficult to return the cost in ten years, depending on what product you buy.

Participating insurance that guarantees the whole life is generally annuity insurance or whole life insurance. If you buy a whole life insurance dividend, you can receive dividends according to the terms and conditions, as for whether the amount you can get back can reach the amount of the principal, it depends on how much dividends you buy from the product. About whole life insurance, if you don't know about it, see this article:

What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article!

Participating insurance, many people actually don't know much about it, but when they hear that they can get dividends from insurance companies, they think it's good. In fact, the dividend insurance is not as simple as you think, and the income of the dividend insurance is not guaranteed, you can see this article for details: about the dividend insurance, the salesman will not tell you.

Therefore, if you want to get back the principal in ten years, it is more difficult, whether it is whole life insurance (participating) or annuity insurance (dividend), the early cash value is generally relatively low, and it takes a certain amount of time to recover the principal.

Annuity insurance will pay out insurance benefits, but whole life insurance will not have insurance benefits to pay. Therefore, if you are applying for whole life insurance and want to get back the principal early, you can only get the principal back if the cash value is greater than the premium you invested, and you can choose to reduce the policy or surrender the policy to receive the cash value of the policy. If you're considering a surrender, then pay attention to these details:

What are the details to pay attention to when surrendering an insurance policy?

It should not be, you must go in full accordance with the contract to get dividends and principal, otherwise it is called breach of contract and there will be liquidated damages.

Whole life insurance, withdrawing money in the middle of the policy is surrender, and surrender is the cash value of the surrender policy. The cash value is not enough for the first few years of the premiums paid.

You say it depends on how many years the payment period is? It also depends on the type of insurance.

If you pay for 3 years, the cash value is enough for 10 years, and it is difficult to say if you pay for more than 5 years.

Whole life insurance, generally you want to get the money back when the payment period is enough, it is impossible, it will be counted as your surrender halfway, and you will lose a lot of premiums, you can consult the insurance company's customer service.

Summary. Taikang Jinmancang D full insurance dividend deposit for ten years, 30,000 yuan can be obtained at maturity. Basically, you can take it all out, there are three kinds, the income of 10,000 a year and three years is 300 per year, and the fixed income is 3000 for ten years; If you save 10,000 yuan a year for five years, the income is 400 per year, and the fixed income at maturity for ten years is 4000; If you save 10,000 a year for 10 years, the income is 1,000 per year, and the fixed income at maturity in 15 years is 15,000; Plus dividends, this is uncertain; At maturity, your deposit will be refunded in full.

If the insured person dies, can the insured get a companion?

Taikang Jinmancang D full insurance dividend deposit for ten years, 30,000 yuan can be obtained at maturity. Basically, you can take it all out, there are three kinds, the income of 10,000 a year and three years is 300 per year, and the fixed income is 3000 for ten years; If you save 10,000 yuan a year for five years, the income is 400 per year, and the income of the fixed filial piety file at the end of ten years is 4000; If you save 10,000 a year for 10 years, the income is 1,000 per year, and the fixed income at maturity in 15 years is 15,000; Plus dividends, this is uncertain; At maturity, your deposit will be refunded in full.

Yes, it is said that the popular point of insurance stool Biren is to pay money, and the insured is protected, but you need to see if your policy has the insurance liability of the policyholder, and some insurance contracts have the function of waiving the policyholder's premium, that is, the policyholder has an accident, and the premium of the date cherry blossom is exempted, if there is any, you can apply for a claim.

According to the expiration of 30,000 years, the insured will die, and how much money will the insured get.

According to the 30,000 ten-year expiration negotiation, the insured will get 3,900 money. Take the policyholder who is 30 years old and pays 10,000 yuan per year as an example, the total premium for 3 years is 30,000 yuan, and the sum insured is 14,870 yuan.

Summary. Hello, it depends on what kind of insurance you buy, look at the insurance contract you bought, there are instructions, some are paid enough for ten years to return the principal, if it is a dividend-type type, after paying enough for ten years, no longer pay the money to receive dividends every year, once the principal is withdrawn, you can no longer enjoy dividends, that is, you can surrender the policy!

You are trembling, I am a partner financial analyst Yu Fei, I will do my best to sort out the answer file in 5 minutes, I will do my best to your question, satisfied with the trouble5 Close Xun praise Oh Thank you

Hello, it depends on what kind of insurance you buy, look at the insurance contract you bought, there is a description on it, some are paid enough for ten years to return the principal, if it is a dividend-paying type, after paying enough ten years, no longer pay the money to receive dividends every year, once the principal is taken out, it can no longer be defeated to enjoy dividends, and the loss is to surrender the policy!

First of all, it depends on whether there are any provisions in your wanton cracked contract, even if it is also stipulated that the risk of cracking should be taken into account, after ten years of old age, if the company goes bankrupt, then the contract cannot be executed, if the company can survive for ten years, and the contract stipulates the return of the principal, then there should be no problem.