The cash value of Ping An Zunyue Life Participating Insurance belongs to the policyholder or to the

The cash value is the basis for the surrender payment and the policy loan.

It is the interest of the policyholder, and if the insured wants to surrender the policy or take out a policy loan, it must be agreed and authorized by the policyholder.

This means that the policyholder can surrender the policy, or take out a loan from the policy.

Ask your own ** person in detail.

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

Participating 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. Taking into account both protection and financial management, this is the characteristic of participating insurance.

Participating insurance is more popular with consumers because it has both protection functions and annual dividends, 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.

A big part of the reason is that consumers have not carefully understood the participating insurance

First, there is uncertainty about how much policy dividends can be distributed.

Second, the dividend pool is not transparent.

These two characteristics of participating insurance make the real income that customers can get an unknown, and it makes participating insurance a type of insurance with a high complaint rate, and the reasons are in this articleWhy is the dividend insurance frequently complained?! , if you are interested, you can find out.

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!

That's all for me"The cash value of Ping An Zunyue Life Participating Insurance belongs to the policyholder or to the insured"All, look!

Zunyue life characteristics:

The payment is short of thirty fifty.

Short-term insurance and wealth management products have always been popular in the market, and Zunyue Life follows the characteristics of short-term payment and fast investment, and only needs to pay fees.

3. Five years to quickly complete the accumulation of wealth; In addition, there are ten years to achieve a variety of choices for different customers. ）

Enjoy it for life every year.

Annual dividends: After the policy takes effect, you can enjoy the dividends brought by Ping An's operating results every year; Survival Return: 12% of the basic sum assured per annum from the third policy anniversary; From the age of 61, the proportion of survival money returned to the age of the year has been increased to 15%; ）

Birthday Gold Congratulatory gift.

Starting from the third policy year, 1% of the annual premium will be paid every year until the age of 60

Money is flexible up to ninety.

The cash value of the policy loan is 90%, and the unprecedented high proportion of the loan can not only meet the customer's business or life emergency capital needs, but also do not affect the validity of the insurance contract, and continue to enjoy dividends, survival funds and birthday payments, which can realize a variety of uses for a sum of money. ）

Love is passed down from generation to generation.

It only takes years or 10 years of investment to build a lifelong love and wealth for yourself and your family; ）

Ping An Yingyue Life Insurance Dividend Basis: 1. Survival Fund: 20% of the basic sum insured will be received every year.

2. Special survival fund: Tonghe will receive an additional 30% of the first year's premium at the end of the first year. 3. Death Benefit:

The premium paid will be paid to the greater of the cash value. 4. Care fund: If the insured dies or becomes totally disabled before the insured is 18 years old, the annual survival allowance ratio will be doubled (40% per year) until the insured is 18 years old.

5. Emergency fund: Can the policy and the Jucai Bao account be loaned, 80% of the cash value can be borrowed, and the turnover is flexible. 6. Dividends: The dividends shall not be less than 70% of the surplus of all the participating insurance in the current year, and the additional treasure account will promote faster growth of income.

7. Universal wealth accumulation: the main insurance survival fund, special survival fund, and dividends enter the wealth treasure account, with daily interest and monthly compound interest, and the settlement is 12 times a year, with a guaranteed bottom and no upper limit, so as to achieve steady growth of wealth. 8. Tens of millions of funds for the insured:

The policyholder can enjoy 10 million aviation accident insurance coverage in the first year.

Hello, first of all, on the occasion of a safe start, I would like to express my sincere greetings to you.

Zun Yu and Zun are both universal participating insurance, and the previous universal insurance is not divided, and this time it is added"Gather treasure"Function, the real meaning of which is the existence of universal insurance, universal insurance customers have understood in the past, the biggest advantage is to withdraw at any time.

From the ** aspect, the minimum of 10,000 is paid for 10 years, 20,000 is paid for 5 years, and 30,000 is paid for 3 years.

The minimum is 100,000 yuan, and the payment is 3 years.

In the policy plan, it can be clearly seen that it takes at least 8 years for the life insurance to be cash-valued, which will significantly exceed the premium, and will increase in large amounts every year for the next 30 years.

From the perspective of short-term benefits, it can still be seen in the plan of this type of insurance, whether it is a minimum deposit of 100,000 yuan or a large policy of 1 million, the cash value (withdrawable) of this type of insurance will be principal preserved in the third year of the policy, and the insured premium has been greatly exceeded in the fourth year, and it has gradually increased year after year.

I don't know if you understand the above analysis, if you don't understand anything, please ask me. Here are a few suggestions I would like to make for you from your point of view:

First, if you, as an elder, want to invest a fixed amount of money to leave to your children in the future, and legally avoid debts and taxes, and pass on your assets, then please insure your life, because his long-term income will be very high.

For teenagers under the age of 10, it is a very rich wealth as a child's education fund after 10 years, as a child's wedding money after 20 years, and even as a child's pension after a few decades.

Second, if you are an entrepreneur and want to invest in a fixed asset to legally do asset preservation, tax avoidance and debt avoidance (beneficiary rights, creditor's rights, inheritance rights).

Then I recommend that you insure wealth respect, 100,000 investment, 3 years of capital protection, cash value from the 4th year can be **10%, should also belong to short-term investment, if you need money urgently, you can still use the insurance policy loan function, because the first year of cash value will be retained 90%, and Ping An Bank stipulates that the policy can be loaned 80% of its cash value, and this seckill insurance is stipulated as 90% of the cash value of the loan, that is, an annual deposit of 100,000, the first year can be loaned more than 80,000 yuan, for capital turnover, In addition, your Jucaibao account still enjoys the universal interest rate, which is calculated 12 times a year, and at the same time, you can enjoy the year-end dividends brought to you by Ping An's super investment income.

After the above explanation, if there is anything you don't understand, you can find me at any time, I am Chen Qi, the most loyal insurance and financial advisor by your side, Ping An of China, Ping An China, I wish you a happy family and a safe life.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

First of all, the issue of certainty is that the dominance of participating insurance in the insurance industry is a problem.

Secondly, the dividend of dividend insurance is not high, and it does exist objectively.

However, from this point of view, the dividend insurance trap is a bit arbitrary.

Dividend insurance, the most basic common sense, is that dividends are uncertain, theoretically can be zero, as for the customer to believe the misleading remarks of the department salesman, itself, there is a certain responsibility.

Participating insurance is a long-term life plan, focusing on short-term income and high return, which is unrealistic in itself.

The fluctuation of dividends, the ups and downs of a certain period of time, does not explain anything.

Dividends are made up of the interest rate difference that the company allocates to your policy, with the interest margin** being the investment income exceeding the expected contribution and the death difference** being the payout being better than expected. Generally speaking, the greater the cash value of the policy, the greater the contribution to the interest rate spread, and the more interest margin benefits can be obtained. The greater the risk sum insured of the policy, the greater the contribution to the death difference, and the more the death difference benefit can be obtained. The interest margin and death difference of the customer's insurance policy shall be determined by the company annually in accordance with the provisions of the insurance regulatory authority and the company's past business conditions.

The main function of dividend insurance is to provide customers with protection and long-term savings and financial management, education funds, pension reserves, etc., and at the same time can share the company's operating profits of participating insurance funds, so the use of funds in dividend insurance requires attention to the safety of funds and the stability of income.

The specific allocation of funds in Ping An's dividend account is mainly based on the allocation of fixed income assets, with a focus on fixed income varieties with good liquidity, relatively high yield to maturity and reasonable risk level. At the same time, based on the principle of value investment, equity assets are appropriately allocated. With the continuous liberalization of policies related to the use of insurance funds by the China Insurance Regulatory Commission, the company will allocate the dividend account to non-capital market investment under the condition of comprehensively considering the improvement of long-term returns and risks.

In general, the investment of Ping An dividend account funds generally adheres to the principles of safety, liquidity and profitability, and is committed to providing customers with long-term and stable dividend income.

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

Ping An Zunyue Life Dividend Insurance is reliable. Ping An Zunyue Life Participating Insurance is a participating insurance product launched by Ping An Insurance, which is a relatively mature and relatively low-risk insurance product, as a participating insurance product, it can provide more stable protection and long-term investment returns, but at the same time, it also needs to pay the corresponding premium<>s

<> bought Ping An Zunyue Life Dividend Insurance, how do you feel that you are fooled and reliable?

Dear, I'm glad to answer your <>

Ping An Zunyue Life Dividend Insurance is reliable. As a participating insurance product, it can provide more stable protection and long-term investment returns, but at the same time, it also needs to pay the corresponding premium<>s

Smile missing].

Ping An Insurance is one of China's well-known insurance companies, with a good reputation and strength, its product quality and service level are also relatively reliable, at the same time, the product is also subject to the supervision and protection of the insurance regulatory authorities, with certain legal protection, but it should be noted that any investment has certain risks, including the risk of the financial market, the risk of the investment cycle, the risk of the insurance company and the risk tolerance of the autistic body, etc., before purchasing any insurance products, You should fully understand the features, risks and fees of the product, and make an informed <>decision based on your needs and risk tolerance

There is a benefit to giving.

Kissing, it is credible to handle it through formal channels.

How much money can I get back if I pay 12000 for 10 years?

If it is a simple participating insurance, then its cash price is relatively high, so after 10 years of maturity, most of the money can be withdrawn from the amount of money paid in the premium.

Do you say it's still reliable?

Dear and dear, the participating insurance will be surrendered after the end of the insurance period, and the surrender amount will include the premiums paid, dividends and undistributed earnings of the insurance company.

I don't understand what it means, can you explain it clearly?

I'm still in the hesitation period, I want to know about it.

That is, you pay 10,000 a year, a total of ten years, and you can return 120,000If the participating insurance is accompanied by a critical illness, then its cash value is relatively low.

Whether you are simply participating in insurance, or are you aggravating your illness.

I didn't get sick, and the top is a pension.

Kiss, it is more appropriate not to aggravate the disease.

Ping An Zunhong Life Insurance is a whole life insurance that covers a variety of benefits such as survival insurance, special survival insurance, blessing insurance, and death insurance. Among them, the blessing insurance benefit is after the 3rd policy anniversary, when the insured is still alive at the policy anniversary of the 60th birthday, and the insurance company will pay 50% of the basic sum assured1. That is, if you apply for insurance before the age of 57, you can get half of the principal at the age of 60.

If you want to get back the full principal amount with the silver, you can choose from the following options: Shenkuan Boyuan takes out a policy loan, and the loan amount shall not exceed 90% of the cash value each time, and the term of each loan shall not exceed 6 months2. For partial collection, the amount of each claim must not be less than $1,000 and must not exceed 90% of the cash value2.

If you apply for a reduced premium, the cash value will be used as a lump sum premium, and the basic sum assured will be reduced accordingly2. Apply for termination of the contract, and after the contract is terminated, the insurance company will pay the cash value according to the contract2. All of the above will affect your future income and protection, so please consider it carefully.

There are indeed some doubts, and the annual premium paid by Zunyue Life will not be the standard of Wande. There may be a difference with your area, and there are differences in the insurance rules.

In addition, according to the regulations, on March 7, it has been delisted and suspended, and the issue currently being discussed is a bit strange. Of course, customers can choose to surrender the policy during the cooling-off period.

Based on the above information, it is recommended to ask for an official plan document, not any information, and the official plan must be detailed, and the policy benefits such as premiums and fixed returns are detailed in detail.

It's hard to say that Zunyue is an insurance policy because there are hardly any coverage liabilities.

As a medium and long-term financial product, this is not a product suitable for the public, and it is best not to choose this for people who focus on short-term benefits or young people who are in the stage of struggle.

It is recommended to verify first, specific information, understand insurance, and do not take this issue lightly, after all, it is a matter of designing your own rights and interests.