How many days is the duration of China Merchants Cigna Gold Insurance?

It is difficult for ordinary people to understand annuity insurance, and one detail will make the yield vary widely. Some products bought 200,000 yuan, but in the end they could only get back 220,000 yuan, and the annualized income was only 1%; Some products can even reach an annualized return of 8% after a few years.

For everyone's reference.

There are two main points in picking annuity insurance, and I will briefly say it:

1.First and foremost is high yields.

No matter what we are buying an annuity for, annuity insurance, as a wealth management product, must first study the income. Annuity account and universal account are ways to increase the value of annuity insurance. Although the whole value-added process is complicated, the standard for judging the return of annuity insurance is to calculate the IRR rate of return.

To say that the higher level of annuities in the market usually has an IRR close to 4% after 10 years of appreciation.

2.Cash flow should match the need for capital use.

Buying annuity insurance will change our cash flow, so there are 4 questions to consider:

How much can I get back for my child's education?

When it comes to our retirement annuity, how much money can we receive?

What is the cash value of the policy when I have difficulty in cash flow and urgently need to surrender the policy?

How much money can I leave for my family after I return to old age in 100 years?

As a salaryman with a limited budget, he only needs to focus his resources on solving one or two problems, such as education funds, and focus on how much money his children will receive when they go to school.

As a business owner with a large budget, you need to have certain requirements for financial flexibility, and you also need to consider the cash value of the product and how much money you can leave to your loved ones after you return to old age.

In fact, there are so many pitfalls in annuity insurance that you can't imagine, even if its product form is very simple. In order to make it easier for you to choose a good product, I have compiled a guide to annuity insurance pit prevention:"3 minutes to read this year's top ten high-yield annuity insurance points!

Hope it helps.

That's all for me"How many days is the duration of China Merchants Cigna Gold Insurance?"All, look!

Information required for pension insurance: two copies of ID card (original copy); A recent one-inch color bareheaded**; The original of the urban resident's household registration booklet; "Archives Entrustment Management Card". The base, proportion and amount of pension insurance paid:

1) Payment base: the average social wage of the previous year in the province where the individual is located (2) Payment ratio: in accordance with the relevant provisions of the year (3) Payment amount: payment base Payment ratio 12 Fourth, payment method and time limit:

Hold the "File Entrustment Management Card" to the Human Resources Service Center to pay in cash. The insured person shall pay the annual pension insurance in a lump sum and handle it before June 20 of each year, and the interest will be charged after the deadline, but not more than December 20 at the latest. The payment time is from the 1st to the 20th of each month after the base of the current year comes out.

To apply for universal pension insurance, you must understand the following points:

1. Age Limit for Coverage.

The underwriting age of the universal pension insurance is 28 days old to 50 years old, and only those who meet this condition can be insured.

2. Cooling-off period.

The cooling-off period is within 15 days from the date of receipt of the universal pension insurance contract by the policyholder, and if the policyholder requests to terminate the insurance contract during the cooling-off period, the insurance company will refund the insurance premium paid to the policyholder without interest. However, if the insurance contract is terminated after the cooling-off period, a certain surrender loss will be incurred.

3. Exclusion of Liability.

It means that if the insured person dies due to any of the circumstances in the exclusion clause, the insurance company will not be liable to pay the death benefit. Therefore, you should understand the relevant content of the liability exclusion clause in advance before applying for insurance.

4. Fulfill the obligation to inform truthfully.

If the insured deliberately fails to fulfill the obligation to tell the truth, the insurance company will not be liable to pay the insurance money for the insured accident that occurred before the termination of the insurance contract, and will not refund the insurance premium. Therefore, when you apply for insurance, you must fulfill the obligation to tell the truth, otherwise you will incur significant losses.

5. Statute of limitations.

The limitation period for a beneficiary to claim payment of contract insurance benefits is 5 years from the date on which he knew or should have known of the occurrence of the insured event. If the statute of limitations expires, it will be deemed that the beneficiary has automatically waived his or her rights. Therefore, when you are in danger, you should report the case and apply for a claim as soon as possible.

If the insured person meets one of the following conditions, he or she can apply to receive a basic pension on a monthly basis:

After July 1, 1998, they participated in the basic endowment insurance, reached the retirement age stipulated by the state, and the cumulative payment period (including the deemed payment period, the same below) reached 15 years;

Participate in the basic endowment insurance before June 30, 1998, reach the retirement age stipulated by the state before June 30, 2013, and have a cumulative payment period of 10 years;

Participated in the basic endowment insurance before June 30, 1998, reached the retirement age stipulated by the state after July 1, 2013, and paid for 15 years or more;

Before June 30, 1998, they should participate in the basic endowment insurance, and after July 1, 1998, they should go through the procedures for insurance and supplementary payment, reach the retirement age stipulated by the state, and have a cumulative payment period of 15 years.

Received on a monthly basis: basic pension = (the average monthly salary of on-the-job employees in the province in the previous year A + the average indexed monthly payment salary of the person) 2 Payment period (including the deemed payment period) 1%;

Personal account pension = personal account savings The number of months of personal account pension;

The sum of the above two items is the monthly payment amount.

Note: The basic pension is adjusted annually in July according to the plan announced by the province.

Xueba talks about insurance, focusing on insurance evaluation! I spent a week compiling a comparison table of 35 participating insurances and 101 popular critical illness insurancesComparison table of 35 participating insurances and 101 popular critical illness insurancesParticipating insurance, literally: Participating insurance is a type of insurance with dividends, that is, when the insurance company makes money, it distributes part of it to customers who have purchased participating insurance. Killing two birds with one stone, one insurance policy takes into account both protection and financial management functions.

Indeed, the dividend insurance not only has a guarantee function, but also has an investment function, which is quite popular with consumers, 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. 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 makes participating insurance a hard-hit area for customer complaintsParticipating insurance has such a high complaint rate?! It's all made clear.

At the end of the day, participating insurance is not suitable for everyone, so it is recommended that you do not blindly insure!

China Merchants Cigna Jinsheng Universal Pension Insurance is a lifelong financial endowment insurance, which is suitable for people born between 28 days and 50 years old.

The main areas in China that can insure this insurance are: Guangdong, Jiangsu, Zhejiang, Beijing, Shanghai, Hubei, Shandong, Sichuan, Liaoning, Shaanxi, Hunan, Henan, Chongqing and other provinces.

If you are insured with the universal insurance, you can get five "wages", namely: basic salary, inflation bonus, longevity bonus, pension and value-added bonus.

After 15 years of social security contributions, you can no longer pay contributions. If there is a unit, even if the employee has not retired after 15 years, the enterprise must continue to pay the fee until retirement; Individuals pay social security, can stop paying, can also continue to pay, according to local policies, must also continue to pay well, pension insurance is to follow the principle of "pay more, get more", the higher the payment base, the longer the number of years, the more pension when retirement.

There are also the following issues to be aware of:

Social security needs to wait until the retirement age is reached to retire before you can receive a pension;

If you have not reached retirement age, you will not be eligible for medical treatment during the period between the cessation of premium payment and retirement. After retirement, you can enjoy medical treatment. In between, it can be replaced by agricultural cooperative medical care or urban and rural medical care;

Individuals who apply for social security should first go to the individual payment window of the social security institution to receive and fill in the "Declaration Form for Individual Payment of Social Insurance in XX City" and the "Contract for Entrusting the Bank to Collect Social Insurance Premiums", specifically the following points: Individual social security participation in insurance: basic endowment insurance, basic medical insurance.

Contribution ratio: basic endowment insurance + local supplementary endowment 19%;

Basic medical insurance + local supplementary medical care.

China Merchants Cigna Gold Life Universal Pension Plan is a kind of financial endowment insurance. The universal type can receive 5 "wages", namely: income dividends, inflation bonuses, longevity bonuses, pensions and value-added bonuses.

The funds in the universal account can be withdrawn by the insured at any time without handling fee (the balance of the account value must be greater than 500 yuan).

Among them, the income dividend of Jinsheng accompanied by universal type is received from the third year after insurance, the amount is 5% of the basic insurance amount, and if the insurance is long lived from the age of 26 to the age of 88, it can be received for 60 years, a total of 300%.