Jintai Life Type C Whole Life Insurance Participating Type Additional Jintai Life Critical Illness I

Xueba talks about insurance, focusing on insurance evaluation! Recently, we have compiled a comparison table of 35 popular participating insurances and 101 critical illness insurances, which is very comprehensive35 participating insurances PK 101 mainstream critical illness insurance, to friends who know this article.

Many people buy insurance in a confused and inexplicable state to buy insurance, dividend insurance is one of them, the reason is because I have not really understood the following I will give you a systematic introduction to the dividend insurance, so that you can calmly analyze and make a reasonable choice in the face of dividend insurance

Participating insurance refers to a life insurance product in which the insurance company distributes its actual empirical results to policyholders in a certain proportion compared to the surplus assumed by pricing, as many people think.

Indeed, participating insurance is quite popular with customers in the form of "protection + dividends", but friends who have bought participating insurance, have you really received a "red"? Anyway, I haven't seen anyone actually make a significant profit.

Clause.

1. It is difficult to receive dividends from dividend insurance.

Second, the dividend pool is not transparent.

These two characteristics of participating insurance make the real income of participating insurance an unknown, and it has caused frequent complaints about participating insurance, 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?

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"Jintai Life (Section C) Whole Life Insurance (Participating) Adds Jintai Life Critical Illness Insurance"All, look!

What is the early payment for critical illness, not counting the dividend, it will not be terminated if it does not exceed the contract sum insured, and it is still valid.

Because you purchased a waiver, the premium is waived for critical illness.

Ask the ** person or insurance company.

The dividend insurance does not refund the principal, but the annual dividends and annuities are given to you, and when the remaining money is returned to the amount you paid is what you earn extra, and it is not said that the principal will be returned directly when it is fully paid.

What expiration are you referring to? Since it is a lifetime, there is no such thing as expiration. Maybe you mean the expiration of the payment period, and the refund of the money at the end of the payment period is the surrender of the policy, and the cash value of the surrender policy.

Summary. Hello, glad to answer for you. The survival insurance benefit of Taikang Fortune Life Section C is for people under the age of 60, and it is received once a year and receives 10% of the sum insured; After the age of 60, 20% of the sum insured is paid each year.

Hello, glad to answer for you. The survival insurance benefit of Taikang Fortune Life Section C is for people under the age of 60, and it is received once a year and receives 10% of the sum insured; After the age of 60, 20% of the sum insured is paid each year.

Taikang Fortune Life C will receive continuous insurance benefits at 2% of the annual premium, for example, if the policyholder chooses to pay in 3 years, he can receive 3 times, and so on!

For the Special Survival Insurance, the payment of the C section of Taikang Fortune Life starts to be paid on the 5th policy anniversary, and the amount received is 50% of the premium, and there is only one chance to receive it

I hope mine can help you and have a great life!

Summary. Pro, Pacific Jintai Life (Section C) Whole Life Insurance (Participating) Insurance and dividends can only be withdrawn after death, but if you continue to use it, you can also apply for surrender, but it will cause the loss of principal.

Can the insurance benefits and dividends of Pacific Jintai Life (Section C) Whole Life Insurance (Participating) be withdrawn after the death of a person?

Pro, Pacific Jintai Life (Section C) Whole Life Insurance (Dividend-paying Middle Key) Pick-up insurance money and dividends can only be taken out after death, but if you continue to use it, you can also sell this clever application for surrender, but it will cause the loss of principal.

Strictly speaking, there is no such thing as how long it takes for whole life insurance to be fully withdrawn, and there is no such thing as taking it all out, that is, taking it out is surrendering.

Whole life insurance is based on the death of the person, but it can protect the whole life, and the money left by the slow Zen to future generations is that it has the function of asset inheritance, and it can be left to the family by designating the way to be disturbed and benefited, and the money that can be lost can be left to the family, and the financial distribution can be done in advance. Usually whole life insurance is like this, but the increase in whole life insurance is different, the return on the principal is fast, 3 years of payment and 4-5 years of return (depending on the product, some are fast), this kind of increased whole life insurance is not a person who dies to receive money, and can also be taken out in advance.

Taikang "Wealth Life" is a lifelong annuity insurance, which is characterized by long reception, fast return, high income and cash realization. Customers of "Wealth Life" can receive 20 of the insurance amount as a pension every year from the age of 60 to life, and guarantee to receive it for 20 years, so as to truly make the cash flow equal to life, and realize "pay money for a while and receive money for a lifetime".

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This is mainly based on how the income of the insurance is calculated, and then calculated according to their own investment and years.

Extended Information: Insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe.

By security; Later, it was extended into a guarantee mechanism, which is a tool used to plan life finances and risk management under the conditions of market economy.

Basic means are an important pillar of the financial system and social security system. The insurance premium is paid to the insurer, and the insurer agrees in the contract.

The property damage caused by the occurrence of the accident shall be liable for the compensation of the insurance money, or the death, disability or illness of the insured.

A commercial insurance act that bears the responsibility for paying insurance money when sick or reaches the age, time limit and other conditions agreed in the contract.

Let's take a look at the following examples; Because the payment is not equal; The halving is the status of your policy.

27-year-old girl insured Taikang Wealth Winner; Annual payment: 10,000 yuan; Payment period: 10 years.

Features of this insurance: save money for a while, receive money for a lifetime; If you have money now, you will have money in the future, and you will have money all your life, and this is called "wealth winner".

One. Protections and benefits enjoyed.

1.The four bonuses that can be received: from the second year onwards, you can receive a continuous fund of 200 yuan per year (during the payment period); A special payment of 5,000 yuan will be received every 5 years.

Before the age of 60, you can also receive a New Year's pension of 1,553 yuan per year; After the age of 60, he receives a pension of 3,106 yuan per year; The money can be claimed; You can also not receive it; In order to get even more benefits in the future!

2.Universal account: only need to pay another 10 yuan, and the company will open a universal account for you; The four gold are automatically transferred to the universal account, and the monthly compound interest is calculated, which is a new and unique initiative; You'll get even more!

3.Bonus Account: Enjoy the company's operating results every year from the date of application; Interest is compounded annually.

Taikang has ranked first in the industry in terms of investment return for 8 consecutive years; In the 15 years since its establishment, it has not generated a single bad debt. 2./3.

The money in both accounts is your money; You can get it whenever you want! You can also easily add; the convenience of existing demand deposits; There is also the income of the lump sum deposit!

4.Protection Account: Humanity Waiver:

During your payment period, the company will give the policyholder free premium waiver insurance; If there is a risk in life, you can continue to enjoy the relevant benefits without paying the subsequent premiums. If you have a child, it is best to insure the child; This allows for two generations to be taken care of; And you can fully enjoy the premium waiver function! And the policyholder receives the money first; If the policyholder leaves, the insured will continue to receive it; Until the life of the insured!

2. Revenue analysis: aIf you don't receive it, you can start receiving the pension supplement from the age of 55; 15,604 yuan per year to 59 years old; Starting from the age of 60, you will receive 17,157 yuan per year until your life!

In the end, I have to leave it to posterity: 219683 yuan.

b.If you do not receive it, you will receive the pension from the age of 60; Receive 21,120 yuan per year for life! Finally, I have to leave it to future generations: 301414 yuan.

In order to strengthen medical protection: Century Taikang Hospitalization Medical Insurance. A 27-year-old woman pays an annual premium of $356; Owned:

Hospitalization allowance for general illness is 100 yuan per day; Up to 365 days a year; Critical illness hospitalization allowance of 220 yuan per day; 180 days a year; organ transplant insurance premium of 120,000; The medical insurance for surgery is 7,000 yuan.

In order to strengthen the accident protection, please take out a Taikang Good Luck Accident Card Type B; Issue age: 18-60 years old; Category 1-3 occupations; A maximum of one insurance can be applied for by one person. The annual premium is 288 yuan, which is paid for one year and managed for one year.

$500,000 for aviation accidents; 100,000 yuan for bus operation car accidents; Other accidents: 200,000 yuan; Accidental injury medical treatment (100 yuan deductible, 90% compensation) 10,000 yuan.

First of all, I would like to correct that you must be buying Fortune B, not C, which is children's insurance and B is adult.

This product is compounded annually, the bonus will not automatically enter the universal account, if you want to earn a high income, your bonus is full of 2,000, you also have to pay an application to the company to let your dividend into the universal account.

By the time you reach the age of 60, you will have no future pension when you have withdrawn the amount of money in your account. It's that if you take it, the money behind it will be gone.

If you don't take 61-79 years old when you are 60 years old, you can receive 6949 yuan per year. This is guaranteed to receive 79, that is, if you don't live to 79, your beneficiary will also receive your 79.

If you live until 80, you still have to receive money, and at that time, you will receive 6249 every year until your life.

If you die before the age of 60, the insurance company pays 5,500.

How did you buy the insurance? Could it be that your salesman didn't tell you anything that you paid for it?

People who buy this insurance are going to be. The EG insured is 25 years old, pays 12,000 a year, pays 10 years, pays a total of 120,000, even if he doesn't take a cent during 30 years, he can only get about 50,000 yuan after 30 years. It's too pit, it's too pit, I paid 120,000 yuan, and in the end, not only was it not much, but half of the money was missing.

I'm not verbose, you can take out a lump sum sum multiple when you reach the age of 60, the sum insured is multiplied by the number below the fourth line in the upper right corner of the first page of your contract, and the rest is in your universal account, and you can withdraw money at any time. I invested 4,000 yuan, except for the dividends were not calculated, the money in the account was 8,000 yuan more than the 40,000 yuan I took out. Cough!

Forced savings, because spending money is like running water, it's not bad, and there is still a little money at the age of 60.

You have made a mistake that 80% of people will make, the meaning of insurance is not in the income, but protection, to ensure that you can transfer the risk to the insurance company when you encounter the risk, if you value the income, you should buy investment-linked insurance, the dividend products are based on the income of the insurance company in the current year to distribute dividends to customers, this is not possible, that is to say, your expected income is only calculated according to the current income of the insurance company, who can guarantee the future! As long as the guarantee of this product meets your needs, you can do it! Don't focus too much on the benefits!

Don't use insurance as a financial tool, insurance is all about protection.

Can I surrender the policy after the expiration date?

The benefits of this insurance are mainly reflected in the later stage, it is impossible to get it back just after paying the fee, your statement should be to surrender the policy, and at this time the surrender will definitely have a great loss, it is not recommended to do so.