Can the principal be fully recovered after 20 years of Ping An Century Angel Children s Insurance?

Let's focus on security. 20 years must have come back. Some good financial insurance will return the principal in 10 years.

Insurance is mainly protection, the specific benefits to see the plan, 20 years after the dividend and cash value should almost exceed the principal, fixed dividends three years of 12% of the amount of insurance, floating dividends are uncertain, generally about 4%. The cash value will accumulate more and more. Since you bought it, you can rest assured, it's a very good children's dividend insurance.

Xueba said that insurance only helps families who really want to buy insurance for their children! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

It's now free, click to claim it now.

How to buy insurance for your child

First, the country's medical insurance must be handled!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, commercial insurance gives priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the best expenses, it can also solve other associated problems, such as children who delay their studies due to illness, and even some subsequent life losses, all need a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

Let's talk about why we need to configure medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, the insurance amount of 10,000 yuan is only 1,200 yuan per year, which is cost-effective and practical.

Finally, accident insurance, the child's accident insurance is particularly cheap, and the insurance amount of 20w only needs sixty or seventy yuan per year, which can protect the child's disability, death and medical liability caused by accidents, which is cheap and useful.

Third, what are the insurance policies that are not recommended for children?

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleWhy is it so hard to buy child insurance? You'll know when you see it!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the above insurance ideas, if you configure regular protection for your child, you can configure it for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is low and real.

That's all for me"Can the principal be fully recovered after 20 years of Ping An Century Angel Children's Insurance?"All of them, I hope it helps you! Hope!

Hello, even if you can take it back, it's best not to take it out, because taking it out means surrendering the policy and losing the protection. The essence of insurance is protection.

No matter how you take it, it will affect your subsequent income, and the insurance contract is terminated at one time, and it is best to take a policy loan, which will not affect your income.

Think about what the purpose of buying this insurance is in the first place, and you will know what to do.

No, if you take it all, the policy will be terminated, and what you can get is a fixed return and dividends. I don't know how to send it yet.

If the contract is terminated after all the money is paid, you will not be able to receive the money returned in the future, which is not suitable and not cost-effective.

Scope of Coverage: Insurance Benefits.

Survival Benefit: From the effective date of the policy, 12,000 yuan will be returned in cash (12% of the sum insured) for every 3rd anniversary, and will be paid for life.

Accumulated Survival Benefit: The "Survival Benefit" paid every three years will be accumulated at compound interest annually if it is not received.

Death Benefit: Death before the age of 18: surrender premium + annual simple interest; Death after the age of 18: 300,000 (triple sum insured) will be paid.

Critical illness insurance benefit: In the event of critical illness, 100,000 yuan insurance will be paid; The sum insured of the main insurance remains unchanged after the critical illness insurance benefit is paid; The proportion of survival payment remains unchanged; The death benefit changes.

Waiver of Premium for Critical Illness: After the occurrence of a critical illness, the premium payable for subsequent instalments will be waived.

Policy dividends: The distribution of dividends shall be determined in accordance with the relevant regulations of the insurance regulatory authority according to the actual profit statement of Ping An Insurance Company's participating insurance.

Century Angel Participating Insurance, Ping An's Children's Insurance. There is a return function, which is a fixed return, also known as the receipt of the survival fund, however, there is no possibility of a full return of the premium. 20 years, only the expiration of the payment period, not the insurance period.

When the insured dies during the insurance period, the insurer pays the death insurance benefit to the beneficiary according to the contract, and the insurance contract is terminated; If the insured survives until the expiration of the insurance period, the insurer pays the survival insurance benefit to the insured.

Any insurance policy with a maturity date is stated, and if the insured is still alive by the maturity date, the insurer shall pay the insured amount agreed in the insurance policy to the insured.

The maturity date of the insurance can be either a specific age or the end date of an agreed period. This type is attractive to those who want to be covered for the duration of the insurance policy and to earn a decent income to retire in old age.

Summary. Ping An Insurance: Century Angel cannot refund the principal after 20 years. 20 years refers to a payment cycle, not the expiration of the insurance contract, after 20 years, the principal cannot be recovered, only the survival and dividends generated by the policy can be received.

If you choose to surrender the policy, you can only surrender the cash value of the policy, which will cause a corresponding loss to the customer.

Ping An Insurance Century Angel will withdraw the principal after 20 years.

Hello. Ping An Insurance: Century Angel cannot refund the principal after 20 years. 20 years refers to a payment cycle, not the expiration of the insurance contract, after 20 years, the principal cannot be recovered, only the survival and dividends generated by the policy can be received.

If you choose to surrender the policy, you can only surrender the cash value of the policy, which will cause a corresponding loss to the customer.

In a long-term life insurance contract, the insurance company is usually required to deposit a certain amount of liability reserve in order to fulfill its contractual obligations, when the insured requests to cancel or surrender the policy for any reason during the validity period of the policy.

What are the benefits of buying Century Angel.

I've been buying it for 10 years, and I don't know what's in it.

The benefits of buying Century Angel have 1Survival insurance money: The insured person will receive 12,000 yuan of survival insurance money for every third anniversary of survival, which can be received for life.

2.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.

Only 6,000 survival funds will be taken for three years.

How do you write 12000 there? It's not that I've been deceived.

If 6000 is not to the old one, you can't get the principal.

Dear, the amount of insurance is not the same, and the survival fund is also different. Survival insurance premium: the insured amount * 12%, that is, for every 3 years after the insurance is insured, the insured survives, and the insurance company pays 12% of the insured amount.

Then I'm more than 7100 a year. How much can you take?

Every 3 years, 12% of the sum insured will be returned, that is, 6,000 yuan, which is an emergency fund that you can use at any time. If you don't take the money you return every 3 years, you will be given 4% monthly compound interest to you in Ping An.

If you pay 7,100 yuan per year, the approximate insurance amount is 50,000 yuan.