Sunshine Life s 10 year insurance participating hesitation period can be obtained on the spot when t

I won't get it on the spot, except for your production cost, about 10 yuan, and I will refund the rest of the money to you within 10 working days.

If it becomes a hesitation period within 10 days after purchase, the policy can be surrendered in full (the cost of production is 10 yuan).

At present, whether it is the payment of insurance premiums or the return of survival or surrender benefits, they are all through bank transfer.

You will not be given cash on the spot, and you will usually transfer the money to the account you provided through the bank within 10 days after you submit the application procedure.

Generally, it will be transferred to your account by bank transfer soon, usually 3-5 days, and we will arrive in Hefei the next day. There is no cost of production.

Xueba talks about insurance, focusing on insurance evaluation! What about participating insurance? Just look at how they compare to other popular critical illness insurance productsA list of 35 participating insurances and 101 major critical illness insurances, to friends who know this article.

In the fireworks of all kinds of insurance products, you must have seen the word "dividend", so what exactly is dividend insurance? Is it worth buying? Let's take a look at what is sacred about participating insurance:

Participating insurance refers to a life insurance product in which the insurance company distributes its actual experience results to policyholders according to a certain proportion of the surplus assumed by pricing, which is the characteristic of participating insurance, which can not only manage financial but also protect money.

Participating insurance is very popular in the market because it has both protection and financial management functions, and the question is, is participating insurance really so good? In fact, the protection function of participating insurance is very weak, and the income is not satisfactory.

First, the fulfillment ratio of dividends is very low, or even non-dividend.

Second, the dividend pool is not transparent.

It is precisely because of these two characteristics of dividend insurance that it is difficult to make the income of dividend insurance, and it has caused frequent complaints about participating insurance, and the reasons are in this articleWhy is the dividend insurance frequently complained?! , if you are interested, you can find out.

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"Sunshine Life's 10-year insurance participating hesitation period can be obtained on the spot when the policy is surrendered"All, look!

1. Sunshine 10-year insurance is a participatory product, which has the functions of financial management and health protection. This plan focuses on the investment philosophy of "investing a little bit every year, and making a big contribution in the future", so that people can invisibly solve major problems in life - such as health, pension, education, etc. while managing their finances easily.

2. Sunshine Insurance's 10-year dividend product has both insurance protection and investment and financial management functions, and healthy people who are generally 30 days old to 65 years old after birth can be insured, which can provide you with self-driving accidents, aviation accidents, critical illnesses, hospitalization and other protection, and at the same time, after the expiration of the insurance period, you can also get the maturity insurance money.

Extended information: 1. Features of Sunshine Insurance products:

1.Three, five and ten years of payment, respectively, the annual return of the basic sum assured, income guarantee, safe and secure. It will also increase every year with the distribution of dividends, and it will be more joyful!

2.Maturity Repatriation:

At the end of the insurance period, all the premiums paid + dividends will be refunded, and all the incremental income will be returned, and wealth will be accumulated, and the dream will come true.

3.High times guarantee and safe escort.

2 times the general accident benefit, 3 times the self-driving accident benefit, 5 times the aviation accident benefit. You can also choose additional critical illness protection and additional hospitalization medical expense reimbursement products for comprehensive protection of health and financial management.

4.Policy Loan Funding flexibility.

When you need money urgently, you can apply for a policy pledge loan to solve your urgent needs, while you still continue to enjoy the benefits of insurance protection, survival benefits, and annual dividends.

5.Annuity collection is worry-free.

At the end of your coverage, you can apply to convert some or all of your maturity benefits into an annuity to help you enjoy your old age.

2. Can I get back the principal after the expiration of ten years?

Sunshine Insurance is not able to get back the principal. It can only be said that the income of the insurance you are insured can reach or exceed your principal. At the same time, whether the insurance income can reach or exceed the principal depends on the type of insurance invested.

If you need to surrender your policy, you can check the Cash Value page of your insurance plan to see if the cash value for 10 years is greater than or equal to the principal.

If you buy critical illness insurance, it is better to pay for 10 years and reach the principal amount in cash for at least 30 years. If you buy an increased life insurance product, with a ten-year payment period, there is basically no problem in returning the principal of the cash value in the 9th year, and there is not only no loss after paying the premium, but also a little interest.

It is suitable for people aged 30 days to 65 years old, and provides three payment methods: 3 years, 5 years and 10 years, and customers can choose flexibly according to their own conditions.

The insurance provides customers with survival insurance money, and the annual return of survival insurance amount under different payment methods is different: customers who choose the three-year payment method will be refunded by the insurance company 4% of the basic insurance amount as survival insurance money every year; If you choose the five-year payment method, the insurance company will return 6% of the basic sum insured as a survival insurance benefit every year; If you choose the 10-year payment method, the insurance company will return 8% of the basic sum insured as a survival insurance benefit every year. When the customer survives to the expiration of the insurance period, the insurance company will return all the premiums paid + all the incremental income accumulated from the dividends as the maturity insurance money.

The dividends of insurance companies, depending on the profitability of each insurance company, are uncertain.

The annual payment is the same as 3k, and the base of the dividend is cumulative, 3k in the first year, 6k in the second year, and the dividend is a dividend every year, and the amount of money is uncertain, which is linked to the performance of the insurance company. The money from the dividends can be withdrawn, but not much. In the fifth year, the money is withdrawn, which is a surrender, and there will definitely be a loss in surrendering, and the cash value of the policy and the dividend money will be returned.

The cash value can be queried in the insurance contract. It is not recommended to surrender the policy, and it is best to withdraw the money at the end of 10 years.

Summary. Dear, I'm glad to answer your <>

Sunshine Life Sunshine 10-Year Insurance Participating Type, 1. Sunshine 10-Year Insurance is a future-paying and participating product, which has the functions of financial management and health protection. This plan focuses on the investment philosophy of "investing a little bit every year, and making a big contribution in the future", so that people can easily manage their finances while invisibly solving major problems in life stages - such as health, pension, education, etc.

Sunshine Life Sunshine 10-Year Insurance Participating Type.

Dear, I'm glad to answer your <>

Sunshine Life Sunshine 10-Year Insurance Participating Type, 1. Sunshine 10-Year Insurance is a future-paying and participating product, which has the functions of financial management and health protection. This plan focuses on the investment philosophy of "investing a little bit every year, and making a big contribution in the future", so that people can easily manage their finances while invisibly solving major problems in life stages - such as health, pension, education, etc.

2. Sunshine Insurance's ten-year dividend product has both insurance protection and investment and financial management functions, and healthy people from 30 days to 65 years old after birth can be insured, which can provide you with self-driving accidents, aviation accidents, major illnesses, hospitalization and other protection, and at the same time, after the expiration of the insurance period, you can also get the maturity insurance money.

Pro, Sunshine Life Insurance Co., Ltd. (hereinafter referred to as Sunshine Life) was formally approved by the China Insurance Regulatory Commission in July 2007, initiated by Sunshine Insurance Holding Co., Ltd., and established on December 17, 2007, a national xing professional life insurance company, with a registered capital of 100 million yuan, mainly engaged in life insurance.

What happens after 10 years.

Those who have paid for more than ten years are generally guaranteed, so they can return to their principal after expiration; You can get the principal back.

Buying wealth management insurance has become an important step in asset planning for many people, how to buy it? What products are the most profitable to buy? Top 10 financial insurance points worth buying!

Sunshine Ten Years Insurance is a popular participating insurance of Sunshine Life, let's take a look at it.

We often encounter salespeople who sell and say that 70% of our company's annual profits are distributed as dividends, which sounds very attractive, but what is the actual truth?

However, there is no direct relationship between the dividends and the company's profits, and due to legal regulatory reasons, the investment channels of insurance funds in China are limited, so it is unrealistic to expect high returns on dividends. Don't be misled by exaggerated propaganda. For more information, please visit:

》Why are the complaints about participating insurance so high? Demystifying the mystery of participating insurance

Dividends are distributed according to the actual business conditions, and the insured can choose to receive cash or accumulate interest every year. It is emphasized here that the distributable surplus is not the total annual income, but the expenses after deducting various costs, which may or may not be more.

Yes, it's that wayward. The above is my many years of experience in buying insurance, I hope it can help you.

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 comprehensiveA list of 35 participating insurances and 101 major critical illness insurancesDividend insurance is simply a kind of life insurance that can pay dividends, if you buy a dividend insurance in addition to getting a certain amount of protection, there will be a dividend every year It looks very good, and there is protection, and there is money to share.

For a long time, dividend insurance with its "protection + income" characteristics by consumers love, for troublesome customers, buy an insurance accident compensation, nothing can also return dividends, why not? But friends who have bought dividend insurance, have you really received a "red"? Anyway, I haven't seen anyone actually make a significant profit.

Clause.

1. The distribution method of participating insurance is uncertain.

Second, the dividend pool is not transparent.

The existence of these two characteristics makes the real benefits that consumers can obtain an unknown, and it makes the participating insurance frequently complained by everyone, and the reasons are in this articleWhy is the dividend insurance frequently complained?! , if you are interested, you can find out.

In the final analysis, dividend insurance is not suitable for beginners, and people who do not have certain insurance knowledge should not blindly insure!

As long as there will be a loss in return, the following materials need to be prepared for surrender life insurance:

Application for termination of contract;

insurance contracts; Proof of the policyholder's legal identity.

There are two types of surrender:

Cooling-off period surrender:

Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

Normal Surrender: Surrender beyond the cooling-off period is considered as normal surrender. Policies that have received insurance benefits are not eligible for surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.

OK. If you surrender the policy during the cooling-off period, you must pay attention to the following points:

1. If you cannot receive the policy in time due to special circumstances, it is best to notify the insurance company in advance. Secondly, after receiving the insurance policy, be sure to fill out the policy receipt in person and indicate the date. Because the insurance company's determination of the cooling-off period is calculated based on the date of receipt;

2. If the last day of the hesitation period is during the holiday, most companies can postpone the acceptance to the first working day after the holiday;

3. The policyholder must carefully read the terms of the insurance, and if he does not know enough about himself, or has a deviation in his understanding, he should ask the first person in time to avoid misinsuring;

4. The China Insurance Regulatory Commission requires all insurance companies to conduct 100% return visits to customers who purchase investment-linked insurance and participating insurance, and make ** recordings. The policyholder and the insured should seize this opportunity to verify the rights and interests they have learned from the **person and the return visitor, so as to ensure that the contract can meet the needs and provide a proper and thoughtful protection for themselves and their families;

5. Finally, in case of surrender, the policyholder does not need any reason, but must apply to the insurance company in writing, and the oral request is invalid.

Hello! If your reason for surrender is valid, no matter which company's product you have, you can surrender the policy within 10 days of receiving the original policy. However, two conditions must be met:

First, the policyholder should bring the original policy and ID card. Second, you can go to the counter of the marketing department where you originally handled the insurance. However, we would like to remind you to be cautious about surrendering your policy!

The reasons are: if you want to buy similar insurance in the future, the price will definitely be higher; If it is a critical illness insurance, it may not be suitable to purchase it in the future. After the surrender of the policy, your family will live a worrying life, because you will still face various risks, and even the risks will increase; In the future, the premium will increase when you are one year older, and the lower the age, the more cost-effective it will be; Even if it is the same insurance, if you still want to buy it in the future, it may have been discontinued, and there is no chance. Therefore, you should be cautious about surrendering the policy, but if you know that you still have to return it, it is your right, and you can still handle it.

Thank you for your inquiry!