Ping An Xinli Whole Life Insurance Participating I am 26 years old, can I buy it?

Hello! Buying insurance mainly depends on what you pay attention to, because any product itself is about the same cost performance, if you pay attention to protection, then the income will be less, on the contrary, if you fancy the current income, then the protection will be less. The Xinli product is a product with good returns and good returns, so the guarantee amount is relatively low.

The main insurance is 100,000 yuan and the critical illness is 80,000 yuan, which is really not very high, although it is double the compensation. The payment is relatively high. As for the parents who are the beneficiaries, what they can get is your double death benefit of 200,000.

Based on the same premium, I suggest that you can choose Ping An's universal insurance, which may be more suitable for you in all aspects, with very high and comprehensive protection, and because you are relatively young, you will have a good pension to receive in the future. If you die in a traffic accident, assuming that the accident insurance amount is 300,000 yuan and the main insurance is 200,000 yuan, your parents can get 800,000 yuan in compensation. So, I suggest you can seriously think about it.

For details, please feel free to keep in touch with me, and we are willing to serve you sincerely! Wishing you well!

Hello, insurance is divided into financial management and protection, Xinli products are more focused on financial protection is a one-to-two compensation. If it is a child, the premium may be cheaper. You are only 26 years old, it is recommended that you can consider Ping An's Wisdom Life Universal Insurance, with an annual premium of 6,000 yuan, no limit for 10-15 years, the basic insurance amount is adjusted to 200,000 yuan (lifetime), critical illness protection is 200,000 yuan (lifetime), accidental death is 100,000 yuan, and the accident outpatient clinic can be reimbursed for 10,000 yuan per year.

The beneficiary can be changed at any time. If you die normally, the insurance company pays $200,000 and accidental death pays $300,000. The early stage is to buy security, the medium term is income, and the later stage is pension.

Dear customers, I would like to ask a few questions before you ask. 1: Why did you buy this product and why?

2: Does the policy solve the problem you want to solve? In fact, there is no such thing as good or bad insurance, only suitable and inappropriate.

Xinli is a dividend-paying product. The return of every other year can be received or not, and the receipt is just like that, 3500 every other yearIf you don't receive it, you can accumulate it with compound interest, and it may be better to withdraw it when you need it in a certain year.

Secondly, the definition of the sum insured is different for each person. If you think it's enough, it's enough, but the value of human life is priceless. So, of course, the more the merrier.

It is recommended that you change the beneficiary of the death to your child. Because according to the human life chart, usually parents are always ahead of us. If we are gone, will our parents still be there?

Therefore, it is wise to change the beneficiary to the next generation. If you don't have children now, you can change it in the Ping An account in the future. The death benefit is the sum insured.

The sum insured is also the amount that the beneficiary will receive after death. Plus the unclaimed survival bonus and dividends. Hope the above is helpful to you.

Wishing you and your family peace and happiness! Auspicious Year of the Dragon!

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 comprehensive35 participating insurances PK 101 mainstream critical illness insurance, to friends who know this article.

Dividend insurance is the type of insurance that people like to push, so where is the dividend insurance? Should we take out participating insurance? Let's take a closer look:

Participating insurance, as the name suggests, is a participating insurance, which not only provides various guarantees agreed in the contract, but also can enjoy the business results of the insurance company, and an insurance policy takes into account the protection and financial management functions.

Participating insurance is more popular with consumers because it has both protection functions and annual dividends, but it is not, "dividends" sounds very simple, but I have seen friends who hold participating insurance, no one gets the expected returns.

Clause.

1. The distribution method of participating insurance is uncertain.

Second, the dividend pool is not transparent.

It is precisely because of the existence of these two characteristics that it is difficult to make the income of dividend insurance, and therefore everyone is respectful of dividend insuranceParticipating insurance is actually the most complained about type of insurance?

The income and dividend methods of participating insurance are extremely complex, and even insurance practitioners are difficult to do, so as a novice, don't challenge such a high degree of difficulty!

That's all for me"Ping An Xinli Whole Life Insurance (Participating) I am 26 years old, can I buy it? "All, look!

Hello! Before you buy insurance, ask yourself why you want to buy it. What problem was it bought to solve?

If you really have a problem, can the insurance you buy help you? The product that solves the problem is a good product, and it doesn't have to be limited to what the product is. I don't know if your lover has social security at this stage?

If not, it is recommended that you purchase a social security for them first, which is the most basic protection. On the basis of the improvement of basic guarantees. Choose commercial insurance and social security to form an effective supplement, so that the most basic protection will be more comprehensive.

Insurance mainly focuses on protection, and is generally considered in the order of accident, critical illness insurance, medical insurance, and endowment insurance, that is, starting from the basic security, and then considering the dividend pension security. Of course, you can also do these 3 aspects together; The total sum insured should be 5-10 times the annual income. Annual premiums should account for 10%-15% of annual income.

There are many types of insurance products, but not all of them are right for you! After all, there is no best product, only the most suitable product combination. Insurance is a long-term process, and the most important thing is the post-service!

What do you think? The specific product, premium and sum insured can be adjusted according to your specific situation. For more information, please contact us or contact us, I will be happy to develop a suitable family protection plan for your family.

Wish: Happiness. Healthy.

Peace is always with you!

Tips: When choosing an insurance product, be sure to choose an insurance company with financial strength, thoughtful after-sales service and fast claim settlement. Then choose a responsible, professional person, she will tailor the most suitable products for you according to your actual situation, so as to establish a perfect guarantee system for you.

When choosing insurance, be sure to ask about the terms you don't understand, which can effectively prevent huge losses caused by surrender in the future. Health insurance, accident insurance are preferred. Young people are best suited for protection insurance.

If the economy allows, you can choose a comprehensive protection insurance for the protection and financial management, return to the principal, and pension. The cooling-off period is within 10 days of receipt of the official contract. Be sure to understand the terms of the contract in detail, and the insurer is obliged to explain it clearly to you.

If you are not satisfied, or if it is not suitable, you can surrender the policy during the cooling-off period. The insurance company only charges a policy production fee of about 10 yuan. It is recommended to learn about the "Life Life Auspicious Three Treasures Insurance", which is a combination of high health protection, children's education, financial savings, and pension in old age.

10 years of payment, 70 years or 20 years of high interest repayment. For details, please add QQ to learn more. Hope it helps.

Hello, first of all, congratulations on your awareness of this security! Here's how:1

I don't know if you have social security? If not, it is recommended that you first purchase a social security for yourself, which is the most basic protection. How to handle it, you can go to the local social security bureau or call 12333 official ** consultation; 2.

Second, you can consider business insurance. Insurance mainly focuses on protection, and is generally considered in the order of accident medical insurance, critical illness insurance, and endowment insurance, that is, starting from the basic security, and then considering the dividend pension security. Of course, you can also do these 3 aspects together; 3.

As for how to buy and how to buy, this has to be communicated with you in detail, and it may be better to tailor an insurance protection plan for you according to your actual situation, after all, there is no best product, only the most suitable product. For example, our American AIA Insurance Company is a very good insurance company; I hope my advice can help you and have a great day!

Hello! 26-year-olds can buy Xinli! The death benefit will be paid according to the sum insured! If the dividends are used to purchase the sum insured, then it will be more!

Hello! Xinli is a return-type product, double compensation for critical illness, it is also good, but the payment is relatively high, if you pay attention to protection, it is better to choose universal or evergreen, if you pay attention to the pension is better than to add Xinxiang, I don't know what you pay attention to.

Hello! It is recommended that you first buy an accident insurance as long as 100---200 yuan per year to cover accidental injuries of 10---5000000 In case something happens, the beneficiary can get the insurance company's compensation of 10-500,000 yuan, and then buy a critical illness insurance, (it is best not to buy a product or similar products that return how much survival money is returned every two years, these protections are not high, and the focus is not high) Recommend a critical illness insurance combination for reference: perfect investment, pension, medical care, security, critical illness (dividend) insurance.

If you have never bought insurance before, it is recommended to buy critical illness and medical first, I don't think there is much protection for this plan, and the insurance premium should be more than 10,000 a year, almost close to 20,000. Consider this type of thing when you have adequate protection.

Hello, you are a filial person, I suggest: 1. The insurance amount is too low, I only need 6,000 yuan, and the insurance amount is 50---1 million. 2. Let's refer to my information. If you are interested, we will contact QQ.

Hello, you must choose a suitable plan for yourself when choosing insurance, it is recommended that the protection must be comprehensive, and you may wish to compare it with a few more insurance companies, of course, whether the service of the salesman is in place is the most critical. Protection must be for life, critical illness, accidental injury, and hospitalization medical reimbursement, and I have a plan here that is very suitable for you. If necessary, please refer to my case or contact me directly.

I wish you peace in your life. Reference: 500 per month to solve accidents + critical illness + housing.

Every year, every year, every year, every year, every year.

Hello, buying insurance is buying safety. Thank you for your support and trust in Ping An, first of all, Xinli is not a whole life insurance it is fixed, it is guaranteed to 80 years old. Buying insurance depends on what aspect you want to insure, and what role you want to think of when you buy this insurance. For details, please contact QQ.

Hello! I don't know what is the main purpose of your insurance, Xinli is a participating insurance, the protection is not very high, I don't know what you focus on? Personally, I would suggest that adequate safeguards should be established first. Then consider the financial returns.

Hello! In what ways do you want to be helped by insurance? In addition, the premium should be commensurate with your income, generally accounting for 15% of your annual income, 20% is appropriate, this insurance is 2 times the sum insured plus dividends plus the uncollected survival benefit to the death beneficiary

Xinli is more beneficial to children, it is recommended to choose Ping An's smart universal products Payment grade According to their own situation 4000 5000 6000 yuan The minimum payment is ten years and the amount of insurance can be adjusted

Hello! Anything you can buy insurance at your age, Xinli insurance is very good, I like it very much!

Xinli is a good comprehensive insurance, but the future protection is relatively less, you can refer to other insurance.

Hello! Ping An Xinli + Critical Illness + Waiver is a good health insurance plan.

Hello! It is recommended that you choose other products, and Xinxiang Dividend Term Insurance with high protection is more suitable for you.

Outsmart Life Universal Insurance is more suitable, treating illness and providing for the elderly without illness.

InsuranceInsurance is protection.

Summary. Hello, Ping An Xinli Annuity Insurance 2017 Dividend Type, is an annuity insurance launched by Ping An Insurance Company, the advantage is that the annual rate of return of annuity insurance is higher, and you can get the dividend of the insurance company every year, the disadvantage is that the return is relatively slow, and the flexibility is very poor.

Ping An Xinli Annuity Insurance 2017 Dividend-paying Type is an annuity insurance launched by Ping An Sun Zeju Insurance Company, the advantage is that the annual rate of return of the Sun Annuity Insurance is higher, and you can get the dividends of the insurance company every year, the disadvantage is that the return is relatively slow, and the flexibility is very poor.

Ping An Xinli Annuity Insurance 2017 dividend-paying, specific protection responsibilities. 1.Survival Insurance Benefit From the effective date of this main insurance contract, we will pay 10% of the basic insurance amount of this main insurance contract for every 2nd anniversary when the insured is still alive.

2.Maturity Survival Insurance Benefit If the insured is still alive at the expiration of the insurance period, we will pay the maturity survival insurance benefit at 2 times of the amount of the basic insurance premium of the main insurance contract at the expiration of the term, and the main insurance contract will be terminated. 3.

Death Benefit In the event of the death of the Insured, we will pay the Death Benefit at the greater of the following two values, and the main insurance contract shall be terminated: (1) the insurance premium paid in the main insurance contract; (2) The cash value of the main insurance contract at the time of the insured's death. "Insurance premium paid" is calculated according to the annual premium determined by the basic insurance amount of the main insurance contract at the time of death and the number of years of premium payment (the number of years of premium payment after the expiration of the premium payment period).

The basic sum insured and cash value mentioned in the above "death benefit" do not include the bond-related benefits arising from the distribution of dividends. 4.Policy Dividends This main insurance contract is a participating insurance contract, and you have the right to participate in the distribution of the distributable surplus of our participating insurance business.

During the insurance period of the main insurance contract, we determine the dividend distribution plan every year according to the actual operating conditions of the participating insurance business. Policy dividends are not guaranteed.

1.The advantage of this insurance is that there is a survival insurance money, and a maturity survival insurance money, and the annualized rate of return is relatively high, and at the same time, it can obtain dividends from the insurance company. 2.

But the shortcomings are also obvious, that is to say, this insurance is relatively slow, every two years to pay 10% of the basic sum insured, if you want to return to the capital in full, it will take at least 10 years or more, the flexibility is very poor, if you are in a hurry to use the money halfway, this can only be surrendered, can not be taken out. The loss of surrender is also significant.

Pro-Zen Yeya, I hope my help to you, it is my honor to envy you, thank you for your support and trust, I hope you can give a like, and I hope you can pay attention to me, to me directional consultation, thank you.