Is Ping An participating insurance reliable, and after how many years can the principal be returned?

Xueba talks about insurance, focusing on insurance evaluation! The comparison table between the 35 participating insurance products and the 101 hot-selling critical illness insurance products is here35 participating insurances and 101 hot-selling critical illness insurance products are PK, to friends who know this article.

Participating insurance, in fact, is a sum of your money, part of the purchase of protection, part of the investment, taking into account protection and financial management, this is the characteristics of participating insurance.

Indeed, participating insurance is quite popular with customers in the form of "protection + dividends", but many people regret it after two years after buying, because there is a large gap in income before and after buying.

A large part of the reason is that consumers ignore the two characteristics of 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 has made the real benefits that consumers can obtain an unknown, and it has made dividend insurance a type of insurance with a high complaint rateParticipating insurance has such a high complaint rate?!

It's all made clear.

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!

That's all for me"Is Ping An participating insurance reliable, and after how many years can the principal be returned?"All, look!

There are several Ping An dividend products, I don't know which one you are talking about? If it is a good start product, this year's product is good, and it can basically return to its original cost after nine years!

You open your insurance contract. Find the Cash Value page. Generally, the cash value of the corresponding number of years is found on the second or third page of the contract. That is how much money you can refund, you can refer to it, if you need a more in-depth answer, you can click the link below to receive exclusive services, if there are other dividend income parts, it is recommended that you contact the insurance company to let the salesman or customer service give you a benefit demonstration and calculate the surrender amount.

If you don't know much about this convenience, you can provide expert teachers to assist in policy interpretation for free.

Summary. The cash value of the policy is a cash value table on the paper policy. The cash value refers to the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract.

Generally speaking, it can be simplified as follows: cash value of the policy = premiums paid management expenses apportioned amount salesman commission net premiums required by the insurance company to bear the insurance liability of the policy interest accrued on the remaining premiums. The insurance company will give a clear cash value statement for the year.

Hello dear! No.

1. Ping An Xinli Insurance Dividend cannot withdraw the principal after 20 years. 2. The insurance is a participating insurance that can be returned every 2 years, and its protection period is 80 years old for the insured, so the principal before the age of 80 is surrendered and the loss must be borne. Although the insurance can pay dividends, but its 20-year cumulative dividends are far less than its losses.

The cash value of the policy is a cash value table on the paper policy. The collapse of the cash value refers to the part of the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract. In general, it can be simplified as:

Cash value of the policy = premiums paid Management expenses apportioned amount Salesman's commission Net premiums required for the insurance company to bear the insurance liability of the policy Interest accrued on the remaining premiums. The specific figure will be given by the die slag insurance company for the year with a clear cash value table.

Can the policy be surrendered?

OK. When they sold it, they said they could take it out all at once.

How can I get a refund of the premium paid for surrender?

Surrender can only be returned in cash, and the value dividend shows that it cannot be returned at one time, pro.

People who sell insurance will praise how the insurance is, and how much money they can get back when the time comes.

Be sure to read the specific content of the contract.

Is the premium refundable or not? At that time, she said that she could take it out all at once, alas.

The premium can be refunded, and the dividends will be gone, right, he didn't understand what I meant, the cash value is the corresponding year, and what is the corresponding cash value? It is the money that you can return when you surrender the policy, and if you surrender the policy, you can only return the insurance, and the value of the cash refund is not necessarily the leakage of the premium you paid.

Because the cash value of each insurance policy is different.

Summary. 1. Can Ping An Xinli surrender be refunded in full?

1. Surrender during the hesitation period: After the Ping An Xinli policy is purchased, there will be a hesitation period of about 10 days; During this period, if the policyholder feels that the policy is not suitable and needs to surrender the policy, the insurance company will refund the premium in full.

2. Non-hesitation period surrender: If the policy is surrendered after the hesitation period, it is generally calculated according to the cash value of the policy; It is uncertain how much can be refunded, which has a greater relationship with the total amount of premiums invested and the number of years of insurance; If the policy is surrendered for a short period of time, the cash value will generally be smaller, and the surrender loss will be larger.

2. How much is the cash value of Ping An Xinli?

How much cash value of Ping An Xinli surrender needs to be based on the actual insurance of the policyholder against the cash value table of the policy, which is not directly able to give a specific value, after all, the actual insurance situation of each policy is different.

Cash value of the policy = Ping An Xinli's premiums paid - Ping An Insurance Company's related expenses + interest on the remaining premiums.

The premiums paid and the related interest will increase with the increase of the insurance time, and the expenses that the insurance company needs to deduct will also focus on the deduction in the first few years of insurance, so the cash value of the policy in the early stage will be relatively low, and the cash value will increase to a certain extent after the insurance has been insured for a long time.

Ping An Xinli has paid dividends for 13 years, how much can be refunded?

Hello dear! 30%-60% of the premium can be refunded

1. Can Ping An Xinli surrender be fully refunded Ping An Xinli can be fully surrendered depends entirely on the surrender time of the policy: 1. Surrender during the hesitation period: After the Ping An Xinli policy is purchased, there will be a hesitation period of about ten days; During this period, if the policyholder feels that the policy is not suitable and needs to surrender the policy, the insurance company will refund the premium in full.

2. Non-hesitation period surrender: If the policy is surrendered after the hesitation period, it is generally calculated according to the cash value of the policy; It is uncertain how much can be refunded, which has a greater relationship with the total amount of premiums invested and the number of years of insurance; If the policy is surrendered for a short period of time, the cash value will generally be smaller, and the surrender loss will be larger. 2. How much is the cash value of Ping An Xinli surrenderedHow much cash value of Ping An Xinli surrender needs to be compared with the cash value table of the policy according to the actual insured person himself, which is not directly able to give a specific value, after all, the actual insurance situation of each policy is different.

The cash value of the policy = the premium paid by Ping An Xinli - the relevant expenses of Ping An Insurance Company + the interest generated by the remaining premiumThe paid premium and the related interest will increase with the increase of the insurance time, and the expenses that the insurance company needs to deduct will also focus on the deduction in the first few years of insurance, so the cash value of the policy in the early stage will be relatively low, and the cash value will increase to a certain extent after a long period of insurance.

Good. Have a great day! <>

Participating insurance cannot be fully refunded after the expiration period. The full payment of the participating insurance only means that the policyholder does not need to continue to pay the premium in the future, and can still enjoy the protection during the protection period, and can receive the insurance money according to the travel sail bridge. Although the participating insurance cannot be fully refunded after the expiration period, the policyholder can unilaterally terminate the insurance contract during the hesitation period.

That is to say, the policyholder can surrender the policy at any time and terminate the contract, but it should be noted that there will be a loss when surrendering the policy.

The dividends of participating insurance are generally divided into cash dividends and incremental dividends

1. Cash dividends: The distribution of cash dividends generally needs to refer to the contribution ratio of the sedan filial piety consumer to the bonus account, which has a certain relationship with the premium, age and gender of the insurance purchased by the consumer. The greater the contribution of the general consumer to the dividend account, the more money can be distributed at the end of the year, and the less contribution, the less dividends will be distributed.

Consumers can generally withdraw dividends in cash, or they can keep the dividends with insurance companies to offset the premiums for the next period.

2. Incremental dividends: The distribution method of increasing dividends is generally in the form of increasing the sum insured of the policy, and this dividend method can only obtain relevant benefits when the insured dies due to the reasons agreed in the contract.

The following points should be paid attention to when handling the surrender of the policy:

1. The eligible person to apply for surrender is the policyholder. 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.

2. If the policyholder applies for surrender and the contract has been in effect for two years, the insurance company shall refund the cash value of the policy after receiving the surrender application; If the premium payment is less than two years, the insurer shall refund the remaining part 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.

3. The surrenderor shall provide the following documents when handling the surrender:

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

2) A valid insurance contract and proof of the last payment.

3) Proof of identity of the policyholder.

4) If the application is entrusted to another person, the power of attorney of the policyholder and the ID card of the principal shall be provided.

Advice: If you still don't understand, please consult a professional. One more insurance, one more protection.

Summary. Hello, dear, happy to answer for you. Ping An Xinli is a comprehensive insurance launched by Ping An Life Insurance Company, which belongs to the category of participating insurance. The amount of insurance is usually not low, and during the hesitation period of buying insurance, the surrender of the insurance only needs to deduct the cost of a few dozen yuan.

2. Surrender the policy within the normal period.

It is necessary to compare the cash value table in the contract, and everyone's economic loss will vary to a certain extent with the difference in the payment period and the difference in dividend benefits. The following amounts are subtracted from the premiums paid by the policyholder, including the premiums for which the liability has been liable, interest, commissions and costs that have been consumed by the insurance company.

How much can Ping An Xinli return for 8 years of dividend surrender.

Hello, dear, happy to answer for you. Ping An Xinli is a comprehensive insurance launched by Ping An Life Insurance Company, which belongs to the category of participating insurance. The amount of insurance is usually not low, and during the hesitation period of buying insurance, the surrender of the insurance only needs to deduct the cost of a few dozen yuan.

2. The normal period of surrender needs to be compared with the cash value table in the contract, and everyone's economic loss will be different to a certain extent with the difference in the payment period and the difference in dividend benefits. The following amounts are subtracted from the premiums paid by the policyholder, including the premiums for which the liability has been liable, interest, commissions and costs that have been consumed by the insurance company.

Hello, it should be noted that a participating insurance like Ping An Xinli can be surrendered after paying premiums for a few years, and the loss of expenses is not small, and only 70% of the cash value can be refunded.

The real-time subtitle economy continues to develop,In real life,We will encounter a variety of situations,Especially for if you buy a 20-year dividend type of Ping An insurance for your child,When will you be able to return your principal,Many netizens are very puzzled about this,In fact, we have to know,If we buy this crimson type of insurance,Then we have to wait until the cycle of the insured is full before we can return it, And the general coverage period of this kind of insurance is generally after the age of 80, so we will not be able to match it back until the age of 80.

First of all, we have to understand such a problem, that is, the insurance is a participating insurance that can be returned every two years, and the term of protection is that the insured is 80 years old, so we take out our principal before the age of 80, then it is the act of surrendering the policy, and we must bear the corresponding economic losses, which is what we must know, in addition, although this insurance can pay dividends, but its 20-year cumulative dividends are far less than the part we have lost, so we must understand.

In addition, we must also know that if we want to take out our money after 20 years, then how much we can take out is also what we must know, because the insurance contract has clear provisions for these situations, so we must clearly see when we sign the insurance contract, these things are very important to us, only if we solve these problems, can we better protect our lives. At the same time, it can also make insurance better protect the financial burden of our lives.

To sum up, we can obviously know how much money we can get from this insurance, in fact, it also depends on the insurance contract we signed, and how much money we can return after 20 years, which must also be determined according to our insurance contract, so we must understand these things.