The insurance will be paid for 20 years, and it will expire in 20 years, can you get the money at on

If the policy is surrendered, if it is a traditional insurance, that is, it does not pay dividends, and only the cash value can be recovered. If it is a participating insurance, you can get back the cash value and the money from the dividends. Within the validity period of the insurance, the scope of liability agreed in the insurance contract and the insured amount, compensation shall be made according to the actual amount of loss.

Through compensation, the actual loss of existing social wealth caused by disasters and accidents can be compensated in value and restored in use value, so that the process of social reproduction can be carried out continuously.

Such compensation includes not only compensation for the economic losses caused by natural disasters or accidents of the insured, but also economic compensation for the economic compensation liability of the insured to a third party in accordance with the law, and compensation for economic losses caused by breach of contract in commercial credit.

The 20-year payment period is not necessarily the coverage period, depending on whether it is whole life insurance or term life insurance.

Whether there is a return liability also depends on what type of specific product the customer has purchased.

If you buy this type of insurance, first of all, this type of insurance is based on critical illness death, and if there is no subject matter covered by the insurance, no monetary compensation will be paid;

Of course, the insurance company will calculate the cash value according to the premium of the premium paid in the first year of purchase, generally according to the critical illness insurance, for example, if you surrender the policy after 20 years of this insurance, the cash value is not as much as the premium you paid in 20 years, and the specific payback time needs to see which insurance company and which product;

Generally, you will not surrender the critical illness insurance because it will always be used.

Since each company's policy is different, it is recommended to call the insurance company** directly for consultation.

No, insurance generally takes 30 years to recover the principal, and insurance only talks about cash value, not principal and dividends. Insurance does not incur contractual liability, he only talks about the cash value, and the cash value insurance contract has a cash value table on it, how many years is how much it is, you will understand it when you read it. The money is far less than the principal, whether it is to withdraw the money or surrender the policy, it depends on the cash value.

The insurance salesman didn't explain the cash value of the policy to you, and the customer didn't buy it after reading it, so they fooled you into taking the money after paying the premium. Insurance is a loss for several years, but in fact, even if you get the principal for a few years, you will lose a lot of money due to the currency depreciation of your principal. Remember later!

The so-called "insurance" is used to resist risks, not to manage money, let alone use insurance to make money. If you want to manage your money to make money or if you want to resist currency depreciation, you can do ** and government bonds. Therefore, participating insurance is to defraud customers of their money in the name of insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Whether the insurance can be taken after 20 years depends on whether the insurance product purchased is a return type, and if it is a return type, then it is also necessary to meet the terms of the insurance contract to withdraw the insurance money; If it is a consumption-oriented policy, then the premium is paid full, and the money cannot be withdrawn, if it is a lifetime protection, you can choose to surrender the policy and get back the cash value of the policy, and the contract will be terminated and the protection will lapse. Consumers must read the terms of the insurance carefully when applying for insurance to avoid unnecessary disputes.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of an accident that may occur as agreed in the contract, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

Good morning! Paying 10 years and waiting for 20 years of insurance may not be able to withdraw all the money after 20 years, it depends on what kind of insurance product it is! 1. For example, if you pay whole life insurance for 10 years and other 20 years, you will generally return a part of it every year after 20 years, and you will know that you are dead.

2. If it is a general protection and dividend-paying comprehensive insurance, this kind of payment can be paid for 10 years and 20 years, and all the principal and income can be withdrawn at one time.

If it is convenient for you to send me your insurance contract and policy, I will show you what the situation is.

Summary. Hello dear. Money cannot be withdrawn after 20 years of insurance.

As far as I know, it has a cash value and a savings function, but it cannot be returned, so it cannot be returned after 20 years, but it can be surrendered and the cash price can be withdrawn If it is a return-type insurance, there is a return responsibility, and it means that the policy can be returned in 20 years, which means that the insured can get back an insurance money after 20 years; If it is a return-type insurance with a maturity return liability and the insurance coverage period is 20 years, the insurance company can return a maturity survival insurance payment if the insured is still alive and well after the expiration of the insurance;

I have paid health insurance for 20 years, 5000 a year

It's been 13 years now.

Hello dear. Money cannot be withdrawn after 20 years of insurance. As far as I know, it has a cash value and a savings function, but it cannot be returned, so it cannot be returned after 20 years, but it can be surrendered and the cash price can be withdrawn If it is a return-type insurance, there is a return responsibility, and it means that the policy can be returned in 20 years, which means that the insured can get back an insurance money after 20 years; If Weihong is a return-type insurance, there is an overwhelming number of maturity return responsibilities, and the insurance protection period is 20 years, then after the expiration of the insurance, if the insured is still alive and well, the insurance company can return a maturity survival insurance payment;

Hello dear. If the slag key is not a return-type health insurance product, it is generally not possible, and if the health insurance is not insured, there is basically no way to recover the cost. However, if it is a return type, then if the insured is not out of danger at the expiration of the contract, then the principal can still be recovered.

The contract says that the contract will be terminated when it expires.

Hello dear. Health insurance paid for 20 years, can not withdraw money, this kind of insurance is to provide lifelong critical illness, moderate disease, mild illness insurance Wang Xing Barrier, the expiration of the payment period, the policyholder does not need to continue to pay can continue to enjoy the insurance Li Barrier, to withdraw money can only surrender the policy, take the trouble to get back the cash value of the policy. <>

70 years old. Hello, as far as I understand that the cash value in the insurance contract can only be refunded for the termination of the contract.

Hello dear. The longer the payment period of the insurance is longer, the better, the critical illness is younger, choose to have a self-brought return stool to accompany the minor illness exemption type, after the waiting period for the first diagnosis of mild illness will be proportionally paid, and the follow-up premiums can also be waived, and the lifetime compensation can also be guaranteed. <>

I have paid 100,000 yuan for 20 years, and how much can I refund at that time.

Are you there. Hello dear. The refunded premium is about 30% and 60%.

The cash value of the policy is listed in the cash value table above the paper insurance policy. 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 insurance company will give a clear cash value statement for the year.

First, first of all, you must first confirm what type of insurance you have, normally speaking, the previous traditional insurance is mainly life insurance, plus critical illness accident medical treatment and other comprehensive insurance. Because it is mainly life insurance, it is all lifelong protection type. If you want to get the guarantee, that is, the sum insured, it must be after death.

Second, in addition to life insurance, there is also financial insurance, which is how many years to pay, at what age to receive a lump sum or how much every year, this kind of talk pit is not a pit, mainly to see whether you can get back the total amount of money paid premiums. And that's not even counting the interest money. So, before you ask when you will get your money back, make sure what type of insurance you have.

This way it will be possible to know when you will get your money.

Third, the money you pay is called the premium, if it is life insurance, the money you can get is called compensation or insurance money, and you can only receive it if you meet the conditions stipulated in the insurance contract. For example, critical illness insurance can only be applied for when the covered serious illness is reached. Life insurance-based, death or disability.

It depends on what the contract says.

If it doesn't meet the contract, the insurance company will refuse. This is also the reason why most people think that insurance companies are scammering. It is always thought that it is easy to pay and difficult to claim.

After all, if you don't make it clear before you pay the fee, you don't make it clear, and when you need to make a claim, the rules and regulations come out. This problem is mainly due to the fact that we are not optimistic about the insurance contract and our own needs to configure insurance products.

Finally, to sum up: first figure out what your insurance is, so you can know when you can get the money.

Insurance depends on what kind of insurance you buy, anyway, I think insurance is a pit. It's okay to pay when you buy it, but when you go out of insurance or ask for money, there are all kinds of problems.

Summary. No, because most of the 20-year insurance coverage period is 30 years or lifelong, if the insurance period is 30 years, then you will have to wait until 30 years to get the money back in a safe state after 30 years.

Hello. No, because most of the 20-year insurance protection period is 30 years of regret or pure life, if the insurance period is 30 years, then you have to wait until 30 years to get the money back in a safe state after 30 years.

Hello, it depends on what kind of insurance you pay.

Even if you can get the money, how long will it take for the money to arrive in Taiping Insurance.

Didn't understand what you meant.

What is called even if you can get money.

Insurance money. What insurance did you buy.

That is, after 20 years, you can get the insurance money.

This depends on which insurance product it is, first of all, whether it is a return type, and then whether it is a return type, and then depends on the protection period.

Whether you can get insurance money after 20 years depends on the terms of the specific policy contract, understand? Yes. Well.

Tell me what the insurance product is.

I don't know how to come yet.

The other thing is to look at the insurance contract and not have it in your hand.

So do you buy it or not?

The insurance needs to be paid for 20 years for the following reasons:1Because the annual premium to be paid for 20 years is relatively low, the book can reduce some of the expenses and reduce the pressure to pay the fees.

2.The effect of protection leverage is large, the annual cost is smaller, and the same protection can be obtained compared with other shorter years, which can be said to be a higher protection with a low payment. 3.

The longer the time limit, the greater the exemption rights.

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There are many advantages to choosing a payment period of 20 years. First of all, if you pay it in 20 years, the annual premium will be relatively less, so the pressure to pay is not so great. The money that is idle every year can also be used for other investments to achieve asset appreciation.

Secondly, if the insurance comes with exemption protection, the longer the payment period, the higher the probability of triggering the exemption protection, and the more beneficial it is for consumers. If you don't know much about the exemption protection, you can read this article: Is the premium waiver good, and do you have to choose it when buying insurance?

Since it comes to the payment period, in addition to the regular payment, the insurance usually provides the option of single payment. The so-called single payment is a one-time payment of premiums. There are many advantages to paying the premium in a lump sum, as it can avoid late payment due to forgetting to pay the premium in the future, and secondly, the single premium is generally cheaper.

In fact, the most important thing about the choice of payment period is to make a decision based on your actual economic situation. For example, small partners with a limited budget should extend the payment period, so that the annual payment pressure will be relatively smaller. For those who have a high income but are unstable, it is more appropriate to choose a single payment.