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Anonymous users2024-02-07If you continue to pay, you should save money for yourself, and then the benefits will not be less than yours, and you will not be less if you save money! It's much safer than ****, you are content! Now there are so many frauds, and if you are not careful, the money will be gone, or it is safe to deposit insurance, I have deposited my money in insurance, safe.
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Anonymous users2024-02-06Xueba talks about insurance, focusing on insurance evaluation! This comparison table of the latest 35 participating insurance and 101 mainstream critical illness insurance products in 2020 is given to friends who know this articleComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in China, to friends who know this article.
In fact, we have heard a lot about participating insurance, and many people say they don't know that today I will take you to unveil the "mystery" of participating insurance:
Participating insurance refers to a life insurance product in which the insurance company distributes its actual empirical results to the policyholder according to a certain proportion of the surplus assumed by pricing, which not only enjoys the protection function in the policy, but also enjoys dividends by virtue of the policy.
Indeed, participating insurance not only has a protection function, but also has an investment function, which is quite popular with consumers, but many people regret it after two years after buying, because there is a large gap in income before and after buying.
A big part of the reason is that consumers have not carefully understood the 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.
The existence of these two characteristics makes the benefits that consumers can really obtain an unknown, which is an important reason why risks are often complained, and the reasons I have sorted out in this article, if you are interested, you can click to view ".Why 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"Ping An Treasure Basin Insurance (Participating II)."All, look!
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Anonymous users2024-02-05Since you have already bought it, continue to pay the bill. It's certainly not cost-effective to surrender the policy.
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Anonymous users2024-02-04Continue to hand. If you buy bank insurance, you are not buying bank deposits or bank wealth management.
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Anonymous users2024-02-03Then continue to pay, the right to be ****, I also bought that insurance, and I feel cheated.
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Anonymous users2024-02-02I was also fooled into buying it at CCB, and later I learned that it was insurance and not a deposit, and I felt cheated.
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Anonymous users2024-02-01Summary. Ping An Life Insurance of China Ping An Jinbao Pot Participating Insurance in 2013 will be 1,950 yuan this year. The interest rate for five years is three years, 5000 for the first year, 5000 for 10 years, 5000 + 5000 for the second year, 5000 for 9 years, 5000 + 5000 for the third year, 5000 for 8 years, 5000 + 5000 for the fourth year, 5000 for 7 years, 5000 + 5000 for the fifth year, 5000 for 6 years, 5000 + 5000 The total price after ten years is 7375+, and this 5000 Treasure Pot has a fixed interest of 500 per year, and it is only 2500 for five years, The dividends are uncertain, according to his medium dividends, which is the total price of 5000 gold treasure for ten years
Principal 25000 + fixed interest 2500 + ten-year dividend 5000 = 32500
Ping An Life Insurance of China Ping An Jinbao Participating Insurance in 2013, how much will it take this year?
Ping An Life Insurance of China Ping An Jinbao Pot both divided into two trillion let the red type insurance in 2013, this year to take 1,950 yuan. The interest rate for five years is 5000 for the first year, 5000 for the first year, 5000 + 5000 for 10 years, 5000 for the second year, 5000 for 9 years, 5000 + 5000 for the third year, 5000 for 8 years, 5000 + 5000 for the fourth year, 5000 for 7 years, 5000 + 5000 for the fifth year, 5000 for 6 years, 5000 + 5000 The total price after ten years is 7375+, and this 5000 gold treasure pot has a fixed interest of 500 per year. There are only 2500 for five years, and the dividends are uncertain, according to his medium dividends, the total price of 10 years is 5000 gold treasure pots: principal 25000 + fixed interest 2500 + 10 years dividend 5000 = 32500
I paid a total of 50,000 yuan, and I took 65,000 yuan in 10 years. Right.
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Anonymous users2024-01-31Summary. If your Ping An Treasure Pot Insurance Participating Type has been paid for 10 years, you can consider the following ways to withdraw the policy value:1
Claim All: You can choose to receive the full cash value of your policy in one lump sum. 2.
Partial Claim: You can choose to claim a portion of the cash value and keep the remainder. 3.
Convert to an annuity: You can convert your cash value to an annuity and receive a certain amount of insurance benefits each year until the end of your chosen annuity payment period. 4.
Keep holding: If you don't need to withdraw the cash value of your policy right away, you can also choose to hold your policy until a better time** or claim it.
If your Ping An Treasure Bowl Insurance Participating Type has been over 10 years, you can consider the following ways to withdraw the policy value:1Claim it all:
There is an option to receive the full cash value of the policy in one lump sum. 2.Partial Claim:
You can choose to receive a portion of the cash value and keep the remainder. 3.Convert to Annuity:
You can convert the cash value into an annuity and receive a certain amount of insurance benefits each year until the end of the annuity period you choose. 4.Continue to hold:
If you don't need to withdraw the cash value of your policy immediately, you can choose to hold your policy until it's better** or to claim it.
Excuse me, but please go into more detail?
For the specific operation process, please consult the customer service of Ping An Insurance Company or go to the local Ping An Insurance branch for consultation.
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Anonymous users2024-01-30Summary. Hello, dear. We're happy to answer your <>
The calculation method of Ping An Xinxiang Insurance Dividend is as follows: 1. Calculation of dividend: According to the policy payment period and policy payment amount, combined with the company's operating conditions and market conditions, the dividend amount payable in each period is calculated in accordance with the dividend distribution ratio stipulated by the company.
2. Determine the dividend payment date: Determine the dividend payment date of each period according to the policy payment period. 3. Determine the dividend payment method
Depending on the status of the policy, the dividend payment method for each instalment is determined, i.e., cash payment or in-account payment. 4. Determine the dividend distribution account: According to the account information provided by the customer, determine the dividend distribution account for each period.
How to calculate the participating dividend of Ping An Xinxiang Insurance.
Hello relatives and friends. It's a pleasure to answer <> for you
The calculation method of Ping An Xinxiang Insurance Dividend-paying Dividend is as follows: 1. Calculation of dividend: According to the policy payment period and the amount of policy payment, combined with the company's operating conditions and market conditions, the amount of dividends payable in each period is calculated in accordance with the dividend distribution ratio stipulated by the company.
2. Determine the dividend payment date: Determine the dividend payment date of each period according to the policy payment period. 3. Determine the dividend payment method
Depending on the status of the policy, the dividend payment method for each instalment is determined, i.e., cash payment or in-account payment. 4. Determine the dividend distribution account: According to the account information provided by the customer, determine the dividend distribution account for each period.
What does it mean to purchase a premium insurance for bonus selection?
Kiss. During the insurance period, if the annual income of the insured increases, the insurance company will automatically increase the amount of insurance refund according to the increase in the annual income of the insured, so as to protect the rights and interests of the insured.
I pay 1900 per year for 20 years, what is the bonus?
Kiss. If you pay 1,900 yuan per year and pay it for 20 years, the cumulative dividend will be about 38,000 yuan.
Are there so many?
Kiss. Some.
How to calculate, I don't quite understand.
How is the bonus almost the same as the principal?
In general, the difference between dividend income and principal income depends on the investor's risk tolerance, investment horizon and investment objectives. If the investor's risk tolerance is low, the investment horizon is short, and the investment objective is low, then the dividend income may be lower than the principal return. If the investor's risk tolerance is higher, the investment horizon is longer, and the investment objective is higher, then the dividend income may be higher than the principal return of the Megabyte.
Is the principal base for my bonus calculation to be 38,000?
Kiss. Yes. Your bonus is calculated on a principal basis of 38,000.
I bought a 5000 one, paid 5000 a year, paid for a total of five years, and expired in ten years. >>>More
Are the other riders you are referring to? It is recommended that the participating insurance should be planned in a single way, and the savings and dividend insurance should not choose the 20-year payment method, which will have little benefit in the future. And it's too slow to return money only once every 2 years, Pacific Insurance's savings dividend type returns money every year, you think about the same 10-year period, Ping An Xinli returns 5 times, Pacific returns 10 times, which is more cost-effective? >>>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.
It is recommended that you learn about Taikang's Xinxiang Life Dividend Insurance, which is paid and received, returned every year, and the pension rises every year until 99, and the principal must be returned, which is very suitable for children's education, marriage, entrepreneurship, and adult pension, and plan a perfect life together.
It depends on when you bought it, if it is after May this year, it is the Jinding C after the paragraph, simply put, the benefit is that the income is slightly better than the bank deposits in the same period, generally this year's Jinding C is in accordance with the one-year sales income above; In terms of protection, it is twice the death or total disability benefit.