After Huaxia Fuguizhu pays 10,000 5 years a year, will it lose money when it is surrendered?

The old version of Huaxia Fuguizhu (now discontinued) annuity collection rules are: from the effective date of the contract to the expiration of the contract, if the insured is still alive on any policy anniversary, Huaxia Company will pay the annuity according to a certain proportion of the insured amount of the contract on the policy anniversary. That is to say, you can start to receive money from the second year of payment, if you have paid for 5 years, you calculate how much money you have received in total, and then look at the "cash value table" page in the first few pages of the policy, see what the cash value is in the fifth year, add the cash value of the money you have received to see if there is a loss, how much you have lost, you can know.

PS: The cash value in an insurance policy can generally be understood as the money that can be refunded when the policy is surrendered.

If it is a new version of Huaxia Fuguizhu, Fuguizhu (Xinxiang Edition) or Fuguizhu (Premium Edition), both of which are from the 5th policy year to receive money, then surrender the policy after 5 years, there must be a loss, the specific loss is also based on the cash value of your policy.

Since Fuguizhu has a variety of payment methods (single payment, 3 years payment, 5 years payment, etc.), and there are also a variety of insurance periods (10 years, 15 years, 20 years, etc.), the benefit table is also different, and the specific policy shall prevail. But what is certain is that after paying 10,000 yuan a year or 5 years, you will lose money when you surrender the insurance. Therefore, it is best to collect it according to the collection method stated in the policy.

The product mentioned by the subject is Huaxia Life Fuguizhu Annuity Insurance, according to the subject's meaning, the selected payment plan is 10,000 yuan for 1 year, and the total payment for 5 years is 50,000 yuan. The term of insurance is 15 years, and the insurance liability is from the first year to the eleventh year, at 10%-20% of the basic sum insured (increasing by 1% per year), and from the twelfth to the fifteenth year, the insurance benefit is paid at 20% of the basic sum assured.

After that 5 years, the subject's policy payment has been paid, and it is not appropriate to surrender the policy at this time. Because the follow-up is all received, there is no premium investment, and there is no premium pressure. The subject should be insured with a matching universal account, that is to say, the insurance money paid every year will automatically enter the universal account for secondary value-added.

If there is short-term financial pressure, you can use the function of the policy loan to calculate the loan amount according to 80% of the cash value of the policy, and the loan interest is generally the same as the loan interest rate announced by the People's Bank of China.

Will Huaxia Fuguizhu lose money if it pays 10,000 a year and surrenders it after five years? I think Huaxia Fuguizhu pays 15,000 years a year, and if you surrender the insurance in the future, you will definitely lose money. If you surrender the policy, you won't be able to refund how much money you have.

After the commercial insurance is purchased, there will be a hesitation period ranging from a few days to 10 days, and the hesitation period can be fully refunded, and after the hesitation period, the cash value can only be refunded, and the loss is very large, so it is recommended to consider carefully.

Huaxia Fugui Bamboo, insurance, pay 10,000 a year for 3 years, can you take out the principal in five years?

Hello, this question is up to me, you can take it, but after six years, the high interest rate will not be available. Most of the people who buy this insurance are fooled by the insurance salesman when they buy it, first tell you to pay 10,000 yuan a day, pay it for three consecutive years, and you can withdraw the principal and interest after three years, it is a lie, I pay 10,000 yuan a year, pay for three years, and when I want to take it out for three and a half years, I will go and ask, and then I will lose 2,300 yuan when I take it out, and it will take about five years to take it so that I will not lose the principal. After paying for five years, you don't have to pay, and you will receive the annuity every year, and then put it for another ten years, that is, it will be fifteen years from the first purchase to the maturity, and you will receive it together with the annuity after fifteen years.

Huaxia Fugui Bamboo Annuity Insurance.

Pay 10,000 yuan a year, and after 5 years, you can receive an annuity of 14,000 yuan, which will be directly transferred to the user's universal account, and you can go directly to the bank to receive it. The insurance period of Huaxia Fuguizhu Annuity Insurance is 15 years, and you need to wait for 15 years before you can receive the principal.

Huaxia Fuguizhu Annuity Insurance Coverage.

1. Death benefit.

In the event of death, the insurance company will pay the death benefit according to the greater of the following two items, and the contract will be terminated at the same time:

1) Insurance premiums paid at the time of death;

2) The cash value of the contract at the time of death.

2. Maturity insurance benefits.

If you survive until the end of the contract, the insurance company will pay the maturity premium according to the premium paid, and the contract will be terminated at the same time.

3. Annuity. From the effective date of the contract to the expiration of the contract, if the insurance company is still alive at 0:00 on the anniversary date of any policy, the insurance company will pay the sum insured on the policy anniversary date.

A certain percentage of the annuity is paid once.

Because it is different from other insurance products, the time span of annuity insurance from purchase to receipt may be 10 years, 20 years or even longer, so consumers should first consider annuity insurance products with dividend functions when purchasing annuity insurance.

Summary. Hello, Huaxia Insurance's Fuguizhu Annuity Insurance, with an annual payment of 20,000 yuan, three years, and a fifteen-year insurance period, a great loss of surrender in 3 years.

Huaxia Fuguizhu Insurance pays 20,000 yuan for three years and 15 years of insurance, and how much can be refunded in three years.

Hello, Huaxia Insurance's Fuguizhu Annuity Insurance, with an annual payment of 20,000 yuan, three years, and a fifteen-year insurance period, a great loss of surrender in 3 years.

The normal surrender process is the cash value.

There will be a loss of about 60%.

The cash value for 3 years is only about 10,000.

If the premium has been paid for 3 years, it belongs to the surrender after the hesitation period, and according to the contract of Guess Kai, the normal surrender can only be the part of the cash value of the insurance contract, and for the policyholder, there will be a great loss in the judgment. The policy can be surrendered in full, as long as there is an irregularity in the purchase of the insurance. For example:

There are behaviors such as the salesman signing on behalf of the salesman, exaggerating and falsely advertising the protection benefits, not explaining the insurance terms in detail, the customer not knowing the policy benefits, and giving rebates to the customer, etc., all of which are illegal operations. In this case, the policy can be surrendered through the technique method, and the accumulated insurance premiums can be refunded in full.

The one that sold me said that it would be refunded in three years, which is fraud, but there is no audio and video recording, and it is all fraudulent insurance.

No, it doesn't. If there is no audio or video recording, it can be refunded in full.

The CBIRC's requirement for dual recording began in 2021.

And many cities have not yet implemented dual recording.

In your case, there is a salesman who misleads you to buy an insurance product.

Those who are able to refund the insurance premium in full.

Summary. Hello dear, Huaxia Fuguizhu is an annuity insurance product, the insurance period is 15 years, the insurance liability provided includes death insurance, maturity insurance, survival annuity, the policyholder can survive after 15 years of insurance expiration or maturity insurance, according to 100% of the paid premium, and from the effective date of the insurance contract, you can also receive a certain proportion of the insured amount of survival every year. In addition, the underwriting age of this annuity insurance is 0-60 years old, and the payment period can be agreed with the insurance company, and Huaxia Gold Butler Annuity Insurance (universal type, paragraph C) can also be attached, and the insurance money obtained can enjoy compound interest appreciation when deposited in it, and the guaranteed interest rate is.

Huaxia Fuguizhu Annuity Insurance (Premium Edition) paid 250,000 yuan in five years, how much can you get after 15 years.

Hello dear, Huaxia Fuguizhu is an annuity insurance product, the insurance period is 15 years, the insurance liability provided includes death insurance, maturity insurance, survival annuity, the policyholder can still survive after the expiration of the insurance period after the fifteenth year of the tomb or the full stool period of insurance, according to 100% of the premium paid, and from the effective date of the insurance contract, you can also receive a certain proportion of the insured amount of the survival pension every year. In addition, the underwriting age of this annuity insurance is 0-60 years old, and the payment period can be agreed with the insurance company, and Huaxia Gold Steward Annuity Insurance (universal type, paragraph C) can also be attached, and the insurance money obtained can be deposited in it to enjoy compound interest and appreciation, and the guaranteed interest rate is.

In total, you can take about 300,000 or so.

Summary. Can you show me the cash value on the insurance contract?

Huaxia Fuguizhu Annuity Insurance (Premium Edition) paid 250,000 yuan in five years, how much money can you get after 15 years.

Can you show me the cash value on the insurance contract?

How much can you take in the 5th year, there is a writing on it.

Didn't write. You have just paid for 5 years, and the principal for the 5th year is almost 250,000.

Annuity insurance will not be profitable until the 7th year.

This is equivalent to a bank deposit.

Deposit for up to 15 years.

Yes, you can get an annuity from the fifth year onwards, every year, I don't know how to calculate it, ask you.

You have to pay for 5 years, and you will be charged interest in the 6th year.

Yes, how much to take, how to count.

If the money is left untouched, for 15 years, there will be about 360,000.

It's about the same as the interest rate of the bank.

I have purchased annuity insurance myself.

I invested in one at that time, paid 30,000 yuan for three years, put it for 5 years, and the interest was 4500, with an average annual interest of 900.

Rest assured, as long as you hold it with peace of mind, the interest will increase from the sixth year onwards.

Summary. Hello, I am Mr. Xiaodong, the answerer of the Q&A contract financial insurance class, Xia Fuguizhu annuity insurance rebate, here to help you inquire, please wait a while

Huaxia Fuguizhu Annuity Insurance pays 10,000 yuan a year, how to pay interest after five years?

Hello, I am Mr. Xiaodong, the answerer of the Q&A contract financial insurance class, Xia Fuguizhu annuity insurance rebate, here to help you inquire, please wait a while

Huaxia Fuguizhu Annuity Insurance pays 10,000 yuan a year, and there is no interest after five years, but after 15 years, a total of 82,591 yuan of principal and interest can be obtained. If you withdraw money before the expiration of 15 years, it is equivalent to you ending the contract early, that is, you are in default, and it is difficult to say how much money you will get back at this time. So it's the most cost-effective to withdraw the money when it's due.

If the answer is helpful to you, please also give it a thumbs up. If you still have questions, don't hesitate to ask. Thanksgiving! Thank!

Yes, but you will need to pay a processing fee.

According to Article 54 of the Insurance Law of the People's Republic of China, if the policyholder requests to terminate the contract before the commencement of insurance liability, it shall pay a handling fee to the insurer in accordance with the contract, and the insurer shall refund the insurance premium.

If the policyholder requests to terminate the contract after the commencement of the insurance liability, the insurer shall refund the insurance premium collected to the policyholder after deducting the part receivable from the date of commencement of the insurance liability to the date of termination of the contract in accordance with the contract.

Most of the people who buy this insurance are fooled by the insurance salesman when they buy, first tell you to pay 10,000 a day, pay for three consecutive years, and you can withdraw the principal and interest after three years, all of which are deceptive, I pay 10,000 a year, pay for three years, and want to take it out for three and a half years, run to ask, at this time to take out 2,300 yuan, to take it for about five years, so as not to lose the principal, this insurance everyone must not buy.

Urgent need for capital turnover is that the policy can be pledged for 60 days without interest, and the benefits of the product itself will not be affected. It's very humane, depending on what the demand is, the high yield is put on, and the urgent use does not want to lose the 6th year of retirement.

According to the contract, it is impossible, and early withdrawal is surrender, and the loss is very large. If you don't want to suffer, there is a way.

Fuguizhu annuity insurance, from the effective date of the contract to the expiration, can receive a sum of money for each policy year. When you survive to the 6th policy anniversary, with a premium payment term of 5 years, you will receive 15% of the sum insured under the contract. If you choose to have a supplementary universal insurance plan at the time of application, these annuities will automatically be credited to the supplementary universal insurance contract account as a premium for the supplementary universal insurance with the consent of the annuity beneficiary.

At this time, if you want to withdraw funds, you need to receive or surrender the insurance through the ministry and state branches, and how much you can withdraw is uncertain. If you want to surrender your policy, you can check out this article:What are the details to pay attention to when surrendering an insurance policy?

Now that the product of Huaxia Fuguizhu Annuity Insurance has been discontinued, and if you still want to configure annuity insurance, it is better to take a look at its iterative product - Fuguizhu (Xinxiang Edition) Annuity Insurance. This is the security map compiled by the senior sister:

The protection period of this product is optional, the payment period is flexible, and it also provides annuity, maturity insurance, care and death total disability insurance, and the protection is relatively rich. However, its exemption clause needs 7 articles, and the exemption clause is the scope of the insurance company's insurmountment, and the better annuity insurance, the exemption clause is generally 3, which is a bit more in comparison.

To buy annuity insurance, we should not only look at the data source of the insurance content, but also pay attention to its internal rate of return. Internal rate of return (IRR) refers to the rate of return that an investment aspires to achieve. Generally, the internal rate of return of a good annuity insurance is around, and the higher the internal rate of return, the more beneficial it is to consumers.

Hope.