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Anonymous users2024-02-07Taikang Life's investment-linked insurance is quite good, and customers can combine it according to their own risk tolerance and economic situation.
Configure a suitable financial plan for your own financial needs. If you want to know more about Taikang Life Insurance before buying investment-linked insurance, you can click this article: Is Taikang Life Reliable? It's these products, I advise you to be cautious.
The so-called investment-linked insurance refers to investment-linked insurance, which not only provides life protection, but also has a strong investment function. However, the function of investment-linked insurance will be more focused on financial management, so its protection function is much weaker than that of protection insurance. Therefore, Senior Sister recommends that you first consider a complete protection insurance, and then consider taking out investment-linked insurance after you have spare money.
Regarding why you should buy protection insurance first, the senior sister gave a detailed explanation here: should you buy protection insurance? If you don't take risks, won't the money be spent in vain?
It is worth noting that buying investment-linked insurance may not necessarily get high returns, and may even lead to losses. In other words, the insurance company does not promise investment returns, and all investment gains and losses in the investment account are borne by the policyholder.
Moreover, compared with other wealth management products such as universal insurance, investment-linked insurance has a longer investment period, and the principal cannot be withdrawn within a certain period of time, otherwise it will cause losses. If you want to buy high-yield wealth management insurance with comparative security, you may wish to take a look at these products: the top ten financial products worth buying in 2022!
In addition, investment-linked insurance is not suitable for everyone to buy, for short-term capital needs or low- and middle-income people, it is not suitable to buy investment-linked insurance, it is more suitable for people who have done a good job in the personal health security system, and have a high income level, have a certain risk tolerance and investment experience, and pursue high-income people to insure.
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Anonymous users2024-02-06Investment-linked insurance, also known as unit-linked, equity-linked, variablelife. As the name suggests, investment-linked insurance is an investment-linked insurance that means that the value of an insurance policy at any time when life insurance is provided is determined based on the investment performance of its investment** at that time. If you need to consult the investment-linked insurance business of Taikang Life Insurance Co., Ltd., you can contact Taikang Life customer service at 95522 for consultation.
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Anonymous users2024-02-05Reliable. Taikang Life Insurance Co., Ltd. **** is a national, joint-stock life insurance company established on August 22, 1996 with the approval of the head office of the People's Bank of China, and the company is headquartered in Beijing.
As a new type of joint-stock life insurance company, Taikang Life attaches great importance to the prevention of financial risks, and has gradually established a "three-in-one" risk management system, that is, a comprehensive risk management framework based on economic capital and value risk management, with the construction of compliance system and legal services as the main content, and independent internal control evaluation and audit inspection as important means, to implement comprehensive risk, internal control and compliance management;
Taikang Life Insurance has a total of 20 shareholders, including Chinese shareholders such as Sinotrans Changhang Group, China Guardian International Auction, China Communications Construction Co., Ltd., CITIC East China (Group) and other large and medium-sized domestic enterprises, and foreign shareholders include Swiss Fengtai Life Insurance Company, New Deal TEDA Investment and Japan Software Bank Group and other well-known international financial enterprises.
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Anonymous users2024-02-04Taikang Life's insurance is reliable.
Taikang Life Insurance is a well-known insurance company in China, with a wide range of insurance products.
Taikang Life Insurance Co., Ltd., a subsidiary of Taikang Insurance Group, a Fortune 500 company, was established on November 28, 2016.
Products like the Happy Health series are very famous.
The registered capital of Taikang Life Insurance is 3 billion yuan. Senior sister said here that the registered capital of the insurance company must be paid-in, and it can also be seen from here that the strength of Taikang Life Insurance is very strong.
Looking at the solvency part, the China Banking and Insurance Regulatory Commission stipulates that the solvency ratio of insurance companies is 50%, the comprehensive solvency adequacy ratio is 100%, and the comprehensive risk rating is B.
According to Taikang Life's solvency report for the first quarter of 2022, the core solvency adequacy ratio is the comprehensive solvency adequacy ratio, and the last two comprehensive risk ratings are A and B, respectively.
In other words, Taikang Life's solvency indicators have all reached the standard.
It can also be reflected from here that Taikang Life Insurance is very reliable
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Anonymous users2024-02-03Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait!
Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait!
Founded in 1996 and headquartered in Beijing, China, Taikang Insurance Group Co., Ltd. (formerly known as Taikang Life Insurance Co., Ltd.) has developed into a large-scale insurance and financial services group covering three core businesses: insurance, asset management and medical care.
Founded in 1996 and headquartered in Beijing, China, Taikang Insurance Group Co., Ltd. (formerly known as Taikang Life Insurance Co., Ltd.) has developed into a large-scale insurance and financial services group covering three core businesses: insurance, asset management and medical care.
It is a regular insurance company, but the purchase of insurance products still depends on whether each product meets the needs of the individual, and the size of the insurance company does not represent the evaluation criteria for purchasing products.
It is a regular insurance company, but the purchase of insurance products still depends on whether each product meets the needs of the individual, and the size of the insurance company does not represent the evaluation criteria for purchasing products.
I hope mine can help you. If you are satisfied with my service, please give 5 stars.
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Anonymous users2024-02-02.To put it simply, you were fooled into buying the insurance products of the insurance company of the bank's ** in the bank. The point is that you have signed it, which is legally binding.
You certainly didn't look carefully at the time, and now you can't prove that you were misled into signing at the time, so it's hard to protect your own rights and interests. I wonder how long you've been buying? If the policy is surrendered within 10 days (subject to the insurance contract), there is no loss, and the policy is surrendered in full.
If you surrender the policy, go directly to the bank with your ID card and insurance, and he will tell you what to do. If it is ten days later, it may be a big loss! I personally bought a dividend life insurance when I was 07, and the investment environment was good that year, and the annual dividend reached 400 per 10,000.
In 08, due to the financial crisis, the dividend of 10,000 yuan was distributed to less than 60 yuan. Cups! Let's talk about dividends.
Dividends are uncertain. Maybe the salesman brags about his previous performance in front of you, but that doesn't mean anything. Press.
According to the relevant regulations, dividends are related to the operating performance of the insurance company, and a certain proportion of the performance of each fiscal year is distributed, and the operating performance is uncertain, so the dividend is uncertain and cannot be calculated now. If you buy this insurance, the income you can get is the sum insured and dividends, the sum insured and the dividends (it may be less than the bank's interest plus principal in the same period, or what should the bank do?). ）。
Because dividends are uncertain, there is no comparison of how much you can get. But we can't make a direct comparison, because after all, we are buying insurance, we are selling things, and we are buying a guarantee. Also, buying insurance is not a deposit, and you will lose a lot if you surrender the insurance halfway, so please decide everything carefully according to your financial situation.
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"
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Anonymous users2024-02-01At present, the Taikang investment-linked insurance on sale is basically purchased through the bank, and if necessary, you can contact the Taikang Life business staff for insurance.
So what exactly is Taikang Life Insurance? Is the product good? For those who don't know much, you can take a look at the following article: Is Taikang Life Reliable? It's these products, I advise you to be cautious.
Investment-linked insurance is actually one of the annuity insurance, which is an insurance that integrates insurance protection and investment functions, with multiple accounts such as income account, development account and account.
And each account has a different portfolio, so the rate of return and investment risk will also vary.
Compared with its participating annuity insurance and universal annuity insurance, investment-linked insurance is a non-guaranteed return, and the risk will be higher.
Therefore, before applying for investment-linked insurance, it is recommended that you still have a more in-depth understanding of the product.
The risk of participating annuity insurance and universal annuity insurance is relatively low.
Before buying participating insurance, it is recommended to take a look at this article: about participating insurance, what the salesman will not tell you.
However, it should be noted that the dividends of participating insurance are uncertain, and only the income of the corresponding part of the guaranteed interest rate of universal insurance is a guaranteed income.
In addition, increased whole life insurance is also a kind of insurance with a financial nature, which is also deeply loved by consumers.
For these kinds of financial insurance, if you want to know more, you might as well take a look at the following: What is the difference between participating insurance, universal insurance, and increased whole life insurance? Which one is the best deal?
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Anonymous users2024-01-31If the landlord wants to do long-term financial management, it is good to buy an investment-linked insurance. Investment-linked insurance is a long-term wealth management product, and short-term investment is unlikely to see returns quickly due to upfront costs. If you're investing for the long term, the returns are obvious.
One of the hottest types of Taikang investment-linked insurance is the Taikang e-Wealth Management Investment-Linked Insurance B aggressive account sold online in Taikang**. This account belongs to the stock-biased type, and it has risen sharply recently, and this account has risen by nearly 3 yuan in two months, and it belongs to the same series as a monetary account. If the landlord wants a long-term guaranteed investment, it is wise to choose Taikang ILAS.
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"
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Anonymous users2024-01-30You can surrender the policy or wait to invest in the market**.
Investment-linked insurance. It is an investment insurance that has a certain risk, so there will be losses. Under normal circumstances, after an investor purchases an investment-linked insurance, the premium paid is divided into two parts: the insurance account and the investment account according to the insurance contract.
The investment part is operated by the professional wealth management team of the insurance company. Since investment-linked insurance is a wealth management product at your own risk.
There is no guaranteed return, and the actual income is directly linked to the income of the selected investment account, and the insurance company does not promise a return on investment.
We can use the following ways to avoid risks: 1. Generally, investment-linked insurance will set up accounts for positive growth, balanced allocation, and stable income according to the investor's risk tolerance, and you can transfer funds between accounts according to the market environment. When the market weakens or the outlook is uncertain, investors can transfer funds to a robust account.
2. It is best to avoid market risks in the handling of investment-linked insurance.
In this way, regular income can be ensured, and when choosing the insurance period, it is best to do a good job of market research and evaluation, and for long-term insurance, you can focus on stability, which can reduce the risk.
Therefore, investment-linked insurance is a long-term investment that not only plans for money but also for life, and investors can buy it with funds that have been idle for more than three years to avoid impulsive choices to retire due to short-term returns.
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Anonymous users2024-01-29Whether a company is reliable or not mainly depends on the timeliness of claims, product conditions, and service levelsTaikang Life Insurance Company
(1) What is the claim status of Taikang Life Insurance Company?
Many people are worried that Taikang Life Insurance is unreliable, probably because they are worried about not making claims after buying insurance. I can tell you unequivocally that the moment the insurance contract comes into force, it has legal effect. If the insurance company violates the contract and deliberately does not pay money, it is breaking the law, and it can be sued.
Latest Claims Status:Which insurance company has the best claim? 53 of the latest claims annual reports tell you
(2) Is Taikang Life's product worth insuring?
Whether it is worth insuring depends on the company's products, Taikang Life has many products, such as critical illness insurance Xiangyun No. 2, wholeheartedly, health appointment, wholehearted health, medical insurance has e worry-free, annuity insurance has Xinfu annuity, wisdom baby, accident insurance has all-round insurance, e Changxing, etc., there is no way to list them all, let alone analyze them one by one.
The products of all insurance companies cannot be generalized, and each insurance company has excellent products, and there are also products that are not too expensive. Space is limited, I stayed up late to compile a book:How about Taikang Life, this in-depth analysis has to be seen!
I believe that the subject's question can be answered in detail.
(3) What are the services of Taikang Life Insurance Company?
In order to provide everyone with a unified standard, the CBIRC has rated the service according to whether the claims service is good, whether there are many complaints, whether the policy is delivered quickly, and the speed of business processing, based on a large amount of data and experience in the past, of which the highest level is AAA and the lowest level is D level.
The following is the 2018 A-grade rating table:
From the table, it can be found that Taikang Life Insurance Company has been rated A, which can show that Taikang Life Insurance is a certain distance from AA in terms of reputation and service, but the rating is still good.
Taikang Life has a registered capital of 100 million yuan, and its strength is still very good, and Taikang Life Insurance currently sells insurance products with relatively high cost performance. Whether it is the launch of the health insurance pass, the green pass and the pension community, it can be said that it is the existence of the leader in the domestic insurance industry. >>>More
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Universal insurance payment is lifelong, the deduction is also lifelong, and the annual deduction amount is with age**, which increases rapidly! The main insurance will only receive the benefit in death! >>>More
Yes, I am Mr. Gong Ruifu from Anyang Taikang Life Insurance, I hope to help you, thank you!
Buy Taikang life insurance for four years, 3,880 yuan per year, if you apply for surrender, it is considered to be surrendered outside the hesitation period, and the insurance company generally refunds the cash value at this time. Therefore, you can check what is the cash value corresponding to the fourth policy year of the contract cash value table, which is generally the money we can get when we surrender the policy at this time. For other knowledge points about surrender, you can continue to understand through this article: >>>More