Minsheng gold inlaid with jade insurance delivery period of 5 years, has been paid for 4 years, how

It is to calculate the cash value of the policy, the money is far less than the principal, whether it is to withdraw money, surrender the policy or transfer to a pension, it is to look at the cash value table. The insurance salesman did not explain the cash value of the policy to you, and the customer would not buy it after reading it, so they fooled you into taking the money after the premium was paid. 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.

Product Name: Gold Inlaid Jade Insurance (Dividend) Issuing Company: Minsheng Life Insurance Shares****Suitable Age: 28 days 65 years oldPayment method: Annual paymentProduct features: Higher protection amount.

Provides up to three times the accident protection for 10 years.

Wealth accumulates faster.

Three to five years of short-term easy investment, plus two additional survival insurance benefits, wealth accumulation is faster.

The product is more functional.

It is suitable for education, marriage, entrepreneurship, pension and other purposes, and its functions are flexible and more powerful. Insurance Liability: Survival insurance benefits.

At the end of the 5th and 10th policy years, the survival insurance benefit is paid at the sum of 2% of the basic sum assured, and the interest is stored in the form of annual compound interest. Maturity benefit.

On the anniversary of the insurance policy at the end of the insurance period, the maturity insurance benefit will be paid according to the basic insurance amount.

Accidental Death Benefit.

Before the expiration of the premium payment period, the accidental death benefit = 3 Basic insurance amount The number of insurance policy years at the time of accidental death The payment period;

From the expiration of the payment period to the expiration of this contract, the accidental death insurance benefit = 3 basic insurance amount.

Sickness death benefit.

Within one year (inclusive) from the date of entry into force (or reinstatement), the insurance premium paid will be refunded without interest;

One year after the effective date (or reinstatement) to the expiration of the premium payment period, the death benefit of illness = basic insurance amount Number of insurance policy years at the time of death Payment period;

From the expiration of the payment period to the expiration of this contract, the death benefit of illness = the basic insurance amount.

Dividends. Dividends are determined and distributed annually, and dividends are accumulated to earn interest and are paid once upon policy termination.

Basic Sum Insured Table].

Issue age (years): 10,000 yuan per year for 10 years.

Three years (yuan) and five years (yuan).

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

It is possible to withdraw a small amount.

In this case, the hesitation period is within 10 days from the date of signing the contract, and the policy will be surrendered within 10 days, and the premium will be refunded in full, and only a certain amount of production cost will be charged.

After 10 days, it is calculated according to the cash value of the current year, which is not only the case for the life insurance company, but also for all insurance companies in the country.

Surrender is calculated based on the cash value stated in the contract. On the first few pages of the insurance contract, there are several statements about the cash value. At this time, you see what amount corresponds to the nth year, and the above is the result of how much you should receive.

Generally, the longer the time, the smaller the loss, after all, it is all paid, and you also have this protection, it is recommended that you return it cautiously.

In addition, if you surrender the policy early, you will definitely not get back the principal you paid.

Therefore, it is generally only possible to withdraw about 10---30% of the premium, which is certainly not cost-effective.

It is recommended not to return. Surrender is not worth it. It's better to renew. Take it out when it's due. There's still to be earned. It's equivalent to a fixed investment.

I'm the same, it's still 5,000! I'm angry, what should I do? I want to ask too!!