Taikang Life Insurance Official Website Taikang Life Xinrui Life Insurance Dividend paying, pay 15,0

Dividends are uncertain, probably 15 to 20 years.

Xueba talks about insurance, focusing on insurance evaluation! In 2020, the latest 35 participating insurance products and 101 popular critical illness insurance products were compared35 participating insurances PK 101 mainstream critical illness insurance, to friends who know this article.

Dividend insurance is actually a kind of insurance with both protection and dividends, it provides customers with corresponding protection, and at the same time, it also gives customers a certain amount of dividends according to the company's operating conditions, and an insurance takes into account the protection and financial management functions.

Hearing the word "dividend", many people feel that they have paid money, not only guaranteed, but also able to enjoy dividends, as if they have become the original shareholders of the insurance company, and in fact, there are not a few people who want to surrender the insurance after buying the dividend insurance, because everyone finds that the dividend income is exaggerated.

First, yields are uncertain.

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 the participating insurance to be frequently complained aboutWhy is participating insurance a "high-incidence area" for insurance?

There are detailed explanations inside.

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

That's all for me"Taikang Life Insurance Official Website Taikang Life Xinrui Life Insurance Dividend-paying, pay 15,000 a year and pay 10"All, look!

Taikang Xinrui Life Insurance is a participating insurance under Taikang Life, which provides survival insurance, life insurance, death insurance and policyholder waiver protection, in addition to policy loans, automatic premium payment and policy reduction. If you have the idea of buying this insurance, it is recommended to take a look at this article first: about the insurance, the salesman will definitely not tell you!

Xinrui Life Insurance. png

If you choose such a product to protect your future pension life, the senior sister thinks it is very suitable, and you can improve the quality of your pension life to a certain extent.

Suppose a 30-year-old man takes a 30-year-old man as an example, the annual premium is 100,000 yuan, paid in 10 years, and the insurance amount is 45,000 yuan, and then from the age of 33 to the age of 99, he can receive 13,500 yuan of survival insurance every year, and he can receive a one-time life insurance of 1.2 million yuan at the age of 80, which feels like it is still okay. If you want to know more about other content, you can also take a look at this information: Super Complete!

Everything you need to know about insurance is here.

However, it should be noted that although Taikang Xinrui Life Insurance provides dividends, the dividends are uncertain, and it is also necessary to decide whether consumers can get dividends according to the actual operating conditions of the participating insurance business. Therefore, the senior sister suggests that you can learn more about other products, if you don't know what insurance you are suitable for buying, you can take a look at this article: [insurance] which is good, how to buy cost-effective, hand in hand to teach you to avoid these pitfalls of insurance.

It is a wealth management product that can benefit from three generations of a family.

There is a guarantee, the interest rate is not capped, the return is high, and the profit balance that can be distributed by the company is not less than 70%.

A high-yield product that integrates education, marriage, pension and wealth inheritance, the guaranteed interest rate of the gold account is 3%.

And children's education money, wedding money, pension, fund inheritance and other functions, for details, please harass me!

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Summary. In general, Taikang Xinrui Life Insurance Dividend has three major functions: first, compound interest and value-added function, so that wealth can be maintained and increased.

The second is the on-demand collection function, which can be used for life planning such as education, pension, and wealth inheritance. If the insured dies, the universal account will also be used as a claim to pay the beneficiary, and it also comes with a premium waiver for the policyholder.

Taikang Xinrui Life Insurance Participating Type.

Hello, it is a pleasure to serve you. Taikang Xinrui Life Insurance Dividend Type is relatively good. With only one investment, you have two cash flows: fixed benefits and annual dividends.

Survival benefits will be paid from the age of 3 years, 30% of the sum insured will be paid every year until the age of 99, and 120% of the premium will be returned at the age of 80 as a life expectancy.

In general, Taikang Xinrui Life Insurance Dividend has three major functions: first, compound interest and value-added function, so that wealth can be maintained and increased. The second is the on-demand collection function, which can be used for life planning such as education, pension, and wealth inheritance.

If the insured dies, the universal account will also be used as a claim to pay the beneficiary, and it also comes with a premium waiver for the policyholder.

Surrender is usually only the cash value, and the terms of the contract should be favored.

1. How to look at the cash value.

There is a column in the cash value statement called the end of the policy year. The meaning of the end of this policy year is that your policy has been in the first few years since it has been in effect, assuming that you are in the 4th year and have been in the 4th year, then check the end of the policy year 4, what is the corresponding number behind? This is the cash value.

2. Why are there losses?

Insurance is the occurrence of agreed matters, the claim of the corresponding insurance money, no money except for the surrender bonus if it does not occur, and the surrender bonus is also in the agreed matter. Surrender is usually only the cash value, the loss is very large, in short, optimistic about the terms of the contract.

Extended Information: 1. The cash value of the insurance.

The cash value of the policy is the money that is written on the insurance policy to surrender the policy, or the money that can be obtained at maturity, and the longer the policy is in force, the higher the cash value of the policy. It is calculated by subtracting the various expenses incurred by the insurance company during the coverage period, plus a certain amount of interest.

2. Calculation method of cash value of traditional life insurance:

If you have to list its calculation process, then you can give a simplified formula: cash value of the policy = premiums paid by the policyholder The amount of the insurance company's management expenses allocated to the policy The commission paid by the insurance company to the salesperson for the policy The net premium that the insurance company has assumed the insurance liability of the policy + the interest accrued on the remaining premium.

The insurance company generally deposits and withdraws this money so as not to hinder the realization of the rights and interests of the policyholder; But on the other hand, part of the premium income will be accumulated for investment, and the investment income generated will be used for future claims.

2. The function of cash value.

For both the policyholder and the insured, the cash value has the following three functions:

1. The policyholder surrenders the policy. The surrender benefit is paid based on the cash value. If there is a policy loan, automatic payment, etc., the insurance company will deduct the outstanding amount and interest from the cash value at the time of surrender.

2. Policy loans. Generally, the maximum amount of loan allowed to be borrowed by the policyholder is based on the cash value, and most policies stipulate that the maximum loan amount of the policyholder does not exceed 70% of the insurance contract.

3. Dividends. In the participating insurance contract, the annual dividend enjoyed by the policyholder is based on the cash value as the denominator. The insurance company's dividends are not proportional to all the premiums paid by the policyholder, but are cash value.

If the business staff does not explain clearly to the policyholder, it will often cause disputes when the dividend is distributed in the following year.

When you buy insurance, there is a contract, about page 5 of the contract has a cash value demonstration table, according to the number of years you pay the premium and the amount of insurance can be seen on the table how much money to refund, and the dividend is determined according to the profit of the insurance company, this is not fixed, may be high or may be negative, the general surrender is not very cost-effective, it is recommended to reduce the amount or use the cash value to pay off the premium.

Insurance is all about the occurrence of contractual matters.

Claim the corresponding insurance benefits.

If it does not happen, there is no money except for the surrender bonus, and the surrender bonus is also in the agreed matter, and the surrender bonus is usually only the cash value, which is a great loss.

In short, look at the terms of the contract.

Just look at the cash value table on the contract.

If you buy Taikang Life's Xinrui Life, you can pay 10,000 yuan a year, and after 15 years, you can receive 10% of the sum insured (not the premium) every yearIt's about 1900 yuan.

Taikang Life Insurance: With individual insurance as the core, group insurance, bancassurance and renewal business are developed together, covering children's, women's, medical, pension and critical illnesses.

Accident injury, dividends, investment-linked, universal insurance and other aspects of business.

The main features of the insurance benefits of Taikang Xinrui Life Insurance Plan are as follows: the fixed benefit ratio is high, and 30% of the sum insured will be paid as a survival fund every year from the end of 3 years of the plan until the age of 99; When the premium is returned at the age of 80, when the children and grandchildren are happy to enjoy their age, Xinrui Life Insurance Plan will receive 120% of the total premium as a life expectancy, and can continue to receive survival money until the age of 99; Compound interest.

The fixed survival fund, life allowance and annual dividends of Wenxinrui Life Insurance Plan will automatically enter the universal account with monthly compound interest and appreciation, and the account will be compounded and accumulated according to the announced settlement rate on the settlement date of each month; The account funds receive live funds, birthday payments, and annual dividends into the universal account, and customers can withdraw them at any time according to their needs and appointments to meet the needs of education, pension and other life needs of different ages. Taikang Life Insurance has fully completed the approval of the China Insurance Regulatory Commission.

Approved foreign IPO companies. Taikang Life Insurance has a total of 20 shareholders, including Sinotrans Changhang Group, China Guardian International Auction, and China Communications Construction Co., Ltd.

CITIC Huadong (Group) and other large and medium-sized domestic enterprises, foreign shareholders include Swiss Fengtai Life Insurance Company, New Deal TEDA Investment **** and Japan Software Bank Group.

and other well-known international financial enterprises. In April 2011, Goldman Sachs Group.

Signed a contract with Taikang Life Insurance Co., Ltd. to acquire the equity of Taikang and become the second largest shareholder of the company. Taikang Life Insurance Shares****.

It 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.

Hello, the rate of this product is different from the age and gender of the insured, the basic sum insured is different, and you need to know the age and gender of the insured.

For example, a 20-year-old man who buys Taikang Life's Xinrui Life pays 10,000 yuan per year, and the payment period is 15 years, and he receives the following: 23-99 years old will receive a survival pension of 2,055 yuan per year, and 80 years old will receive a one-time life pension of 180,000 yuan.

<> at the same time, the policy enjoys dividends, dividends are the dividends distributed by Taikang Insurance to all policyholders every year, the amount of dividends is uncertain, and the annual dividends will be announced through the official information disclosure and distributed to the policyholder's policy account. You can call 95522 for inquiries or Taikang Insurance APP for inquiries and collections.

<> at the same time, the policy enjoys dividends, dividends are the dividends distributed by Taikang Insurance to all policyholders every year, the amount of dividends is uncertain, and the annual dividends will be announced through the official information disclosure and distributed to the policyholder's policy account. You can call 95522 for inquiries or Taikang Insurance APP for inquiries and collections.

Because the payment of the survival benefit is determined based on the basic sum insured, the payment information requires the age and gender of the insured person to determine the basic sum insured.

Taikang Xinxiang Life Annuity Insurance Dividend, pay 6,000 a year for 15 years, and get 6,000 every year in the future?

Taikang Xinxiang Life Annuity Insurance Dividend, pay 6000 a year for 15 years, and then take 6000 per year is true or false, if it is not written in the contract that you can receive 6000 per year, then no one can guarantee you. Although it seems that there are many ways to receive Xinxiang Life Annuity Insurance (Dividend-paying) annuity, the actual income is not optimistic. 2.

There are many uncertainties, such as uncertain dividends, uncertain settlement interest rates, etc. The bonus presentation is only based on a base budget, which means that there may or may not be so much, and even if there is a dividend, it is difficult to determine how much. The dividend income of any insurance company is uncertain.

Moreover, 15 years later, it is not certain that this company still exists, except for the state guarantee, other companies may not be reliable. Extended Information:1

Taikang Life Xinxiang Life Insurance is a new annuity insurance product launched by Taikang Life, which has the characteristics of continuous and stable income, and can meet the five major needs of consumers from different levels, such as pension planning, children's education, wealth appreciation, asset inheritance and personal protection. Taikang Life's "Xinxiang Life" has five major characteristics: instant payment, annual dividends, pension increment, guaranteed payment, and self-exempt, which can meet the five major needs of customers for wealth appreciation, pension planning, children's education, personal protection and asset inheritance from different levels, and plan a perfect and free life for customers.

2.The dividends of Xinxiang Life are determined according to the operating conditions of the insurance company and are not fixed. If the insurance company is doing well, then the dividend will be high.

At the end of each policy, dividends will be distributed to policy customers according to the actual operating conditions of Taikang Company, and they can enjoy cash dividends of no less than 70% of the distributable earnings of the policy every year, so that customers can share the annualized expected return of Taikang's good investment expectations. At the same time, the survival fund and dividends of the "Xinxiang Life" insurance plan will automatically enter the "Taikang Additional Positive Growth Annuity Insurance (Universal)" account by default, and the account will be compounded and accumulated according to the announced expected annualized interest rate on the settlement date of each month.