What are the participating insurance processes of China Merchants Cigna Jinsheng?

Now there are many ways to buy insurance, you can choose to buy online, or offline insurance company outlets, you can also choose the insurance salesman around you, ** form, etc., depending on what the sales channel of this product is.

China Merchants Cigna Gold Companion Participating Insurance has been discontinued.

If you want to buy other products, you can buy them according to the sales channels of different products. Some can only go through the offline outlets of insurance companies, and if there are no offline outlets of insurance companies nearby, and you can't buy online, it is actually not friendly to many people. So if you want to know more about online purchases, you can read this article:

Is it reliable to buy insurance online? What is the difference between online and offline insurance?

When it comes to participating insurance, many people may hear that insurance companies will pay dividends, so they buy it blindly.

I don't even understand the dividend insurance clearly, if the insurance I buy in the follow-up is not suitable for me, I regret buying it indiscriminately, and the cost of continuing to pay will be too expensive, and the surrender is not cost-effective, so it's not worth thinking about. Therefore, before buying participating insurance, you must understand the participating insurance, this article will give you the answer: about the participating insurance, the salesman will not tell you.

Finally, before applying for insurance, the senior sister suggests that you must understand whether this product is suitable for you, and whether you understand the basic protection content and insurance rights? In order to avoid blind purchase and "wrong" insurance, before buying insurance, it is best to read this article to understand: before buying insurance, you must first understand these key knowledge points!

China Merchants Cigna Insurance Company launched the Jinsheng Accompanied Participating Insurance is currently a popular financial product, and the insurance process of the Jinsheng Accompanying Participating Insurance is as follows:

Policyholders can call the insurance company's telemarketing application**: 400-880-3633, or enter the financial pension product page on the insurance company's official website. After entering, select your favorite product to make an appointment**, and fill in your name, gender, **number, and then wait for the customer service staff**return visit.

2. Customer service return visit, ** consultation.

**Once connected, the staff will ask for the policyholder's personal details, such as: occupation, age, who to insure, etc. Then the customer service staff will confirm which product the policyholder wants to insure, how much insurance he wants, etc., and the policyholder will tell the staff these details, and the staff will give ** according to the type of insurance to be insured.

3. Confirm the insurance and consult the address.

When the policyholder thinks that the premium is reasonable, he can confirm the insurance, and the customer service staff of China Merchants Cigna Insurance Company will consult the policyholder's detailed address to facilitate the delivery of the policy.

4. The payment is successful, and the form is sent.

The customer service staff will take the initiative to contact the policyholder, confirm the content of the policy, and complete the insurance after online payment. Finally, the insurance company will send the policy to the policyholder within the agreed time.

Finally, I also remind everyone that when applying for this kind of financial pension participating insurance, we must read the insurance terms, coverage, claims and other contents clearly, so that the insurance you invest in will bring the greatest benefits and protection.

Definition: Jinsheng Accompanied Annuity Insurance is an endowment insurance product with old-age security function of China Merchants Cigna.

5% of the advantage survival insurance is received every year.

During the period from the third policy anniversary of the self-contract to the first policy anniversary after the insured reaches the age of 59, if the insured is still alive at 24 hours of the policy anniversary, the insurance unit will pay the survival benefit at the rate of 5% of the basic sum insured of the main contract, up to a total of 280% for a maximum of 56 years

30% of the pension insurance is doubled.

Starting from the first policy anniversary after the insured person reaches the age of 60, the annual benefit amount will be increased by 6 times to 30% until the insured reaches old age.

80% turnable.

In the event that there is an accumulated cash value in this contract, the insured may apply for a loan from the insurance unit. The cumulative borrowing can be up to 80% of the cash value of the contract, so as to achieve capital turnover and money recycling.

100% full return.

If the insured person dies during the validity period of the policy, the insurance company will refund the full amount of the premium paid under the main contract.

Early pick-up time.

You can receive money in the third year, and you will receive it every year until you are old.

Fight against inflation.

This product has a cash dividend function, which preserves and increases its value and effectively resists inflation.

Waiver of premiums. In the unfortunate event of death or total disability, the insurance unit will waive the remaining premium and the coverage will continue.

Summary. According to this policy contract, there are two ways to receive annuities: annual and monthly, and the monthly amount is the annual amount payable on the most recent policy anniversary.

And this policy has two insurance liability benefits: first, annuity. From the fifth policy anniversary of the self-contract to the whole life, if the insured survives on the policy anniversary, the annuity shall be paid to the beneficiary according to the following agreement:

1.From the 5th to the 9th policy anniversary of the main contract, the annuity on each policy anniversary is 20% of the insured amount of the base wood of the main contract

2.From the 10th policy anniversary of the self-contract, the annuity on each policy anniversary is 100% of the basic sum insured of the main contract

The second insurance liability is: death benefit.

In the event of the death of the insured, the death benefit will be paid to the beneficiary at the greater of the following:

1.All premiums accrued under the main contract at the time of the insured's death:

2.The cash value of the main contract at the time of the insured's death.

China Merchants Cigna Zhaoying No. 2 2018 Annuity Insurance Participating Type.

Hello, China Merchants Cigna Zhaoying No. 2 is China Merchants Ren Xiaoyun and 2018 Annuity Insurance, what can I do to help you with this insurance product, is it to understand the responsibility of the product contract, agreement or lack of caution How to receive it? Please be specific about your problem so that it can be better solved for you.

China Merchants Cigna is a Sino-US joint venture life insurance company, and its shareholders are China Merchants Bank and Cigna North America Life.

According to this policy contract, the annuity recipient is divided into two types: annual and monthly, and the monthly amount is the annual amount that should be received on the most recent Youchang policy anniversary. And this policy has two insurance liability benefits: first, annuity.

From the fifth policy anniversary of the self-contract to life, if the insured survives on the policy anniversary, the annuity shall be paid to the beneficiary according to the following agreement: God repents 1From the 5th to the 9th policy anniversary of the main contract, the annuity on each policy anniversary is 20% of the insured amount of the base wood of the main contract

2.From the 10th policy anniversary of the self-contract, the annuity on each policy anniversary is 100% of the basic sum insured of the main contractThe second insurance liability is:

Death benefit. In the event of the death of the insured, the death benefit will be paid to the beneficiary at the greater of the following two items:1

All premiums paid under the main contract at the time of the insured's death: 2The cash value of the main contract at the time of the insured's death.

China Merchants Cigna Zhaoying No. 2 (2018) Annuity Insurance (Dividend) is an annuity insurance with dividends, and its main advantages are: 1The annuity will be paid as agreed, and at the same time, the death benefit of Paiji will be provided, and the insurance benefit will be determined; 2.

Annuity payment is more flexible, you can choose annual or monthly payment; 3.Support policy loans, which can solve the problem of short-term capital turnover; 4.The insurance age range is wide, and the maximum support is 70 years old, and the elderly can apply.

The deficiencies are reflected in: 1The flexibility in the early stage is poor, and there is a risk of loss of principal when surrendering, so it is necessary to operate cautiously; 2.

Dividends are volatile, and bad years may be 0. Mainly suitable for customers: suitable for customers with sufficient budget, comprehensive basic protection, and planned future cash flow.

The benefits of China Merchants Cigna Gold Companion Participating Insurance include survival insurance, pension insurance and death insurance.

How is China Merchants Cigna, is it reliable, and what are the advantages and disadvantages of the product.

1.Narrow age range.

The age range of Jinsheng Companion Participating Insurance is 28 days old - 50 years old, you should know that most of the same type of products on the market at present, the maximum insurance age can reach 60 or 65 years old.

Compared with other products, the participating insurance of Jinsheng Companion is indeed not much to cover!

Learn this trick and stay away from the 99% pit of annuity insurance.

2.Lack of policy reduction rights.

If the policyholder encounters an economic crisis in the future, there is no way to come up with so many premiums but does not want to give up the protection, you can choose to reduce the insurance, but the participating insurance does not have this practical protection.

Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Xueba talks about insurance, focusing on insurance evaluation! The comparison of 35 participating insurance products and 101 popular critical illness insurance products in 2020 is hereA list of 35 participating insurances and 101 major critical illness insurancesDividend insurance is the type of insurance that people like to push, so where is the dividend insurance? Should we take out participating insurance? Let's take a look at what is sacred about participating insurance:

Dividend insurance, to put it simply: it is insurance with dividends, and dividends come from the profits of insurance companies, which is the characteristics of dividend insurance, which can not only manage money but also protect it.

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 I've seen too many friends who have bought participating insurance, but none of them have really made a significant profit after buying participating insurance, and none of them have bought it.

Clause.

1. The distribution method of participating insurance is uncertain.

Second, the dividend pool is not transparent.

It is precisely because of the existence of these two characteristics that it is difficult to earn from participating insurance, and therefore the complaint rate of participating insurance is very high, and the reasons are in this articleWhy is the dividend insurance frequently complained?! If you are interested, you can learn about it.

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!

Jinsheng Companion Dividend Type is a pension financial management insurance launched by China Merchants Cigna Insurance Company, in which the insurance company bears the following insurance liabilities during the period of the main contract insurance

1. Survival insurance benefits.

During the period from the third policy anniversary4 of the self-contractual contract to the first policy anniversary after the insured reaches the age of 59, if the insured is still alive at 24 hours of the policy anniversary, the insurance company will pay the survival benefit at the rate of 5% of the basic sum insured of the main contract.

2. Pension insurance.

From the first policy anniversary after the insured reaches the age of 60, if the insured is still alive at 24 o'clock on the policy anniversary, the insurance company will pay the pension insurance at the rate of 30% of the basic insurance amount of the main contract.

3. Death benefit.

In the event of the death of the insured, the insurance company will pay the death benefit to the beneficiary according to the total premium paid by the policyholder in the main contract, and the main contract shall be terminated from the time of the death of the insured.

To sum up, the participating insurance liability of Jinsheng is mainly responsible for the three aspects of survival insurance, pension insurance and death insurance.

The so-called dividend insurance is actually a kind of insurance with both protection and dividends, and pure protection insurance, 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, so that customers can enjoy additional income. So, what are the participating insurances of China Merchants Cigna? Let's follow this article to find out!

What are the participating insurances of China Merchants CignaWhat are the participating insurances of China Merchants Cigna? At present, there are countless participating insurance policies in the market. For example, there are many participating insurances of China Merchants Cigna Life Insurance Company, such as:

Children's Guardian of the Future Children's Dividend Education Fund, Critical Illness Supreme Edition Cherish Life Critical Illness Insurance Plan (Participating), Premium Edition Cherish Life Critical Illness Insurance (Participating), Cherish Life Critical Illness Insurance (Participating), Healthy Enjoyment Jinsheng Care Insurance Plan (Participating), Annuity Insurance, etc. You should choose the insurance product that suits you according to your actual needs and emergency situationHow about Chinese life, I just sorted out the relevant content, I hope it will help you: Is Chinese life good?

What insurance is recommended?

There are skills in buying CMB Cigna participating insuranceThe choice of participating insurance first depends on the income level of the insurance company, after all, the dividend of the participating insurance comes from the profit of the insurance company. If the income level of the insurance company is very poor, it is undoubtedly a fool's dream to want dividends. Secondly, we should pay attention to the dividend distribution method of the insurance company.

At present, there are two main types of dividends used in participating insurance on the market, namely cash dividends and sum assured dividends. The two dividend methods have their own advantages and disadvantages, and policyholders can choose according to their actual situation. In addition, participating insurance is generally divided into two categories: investment and protection.

From the perspective of the dichotomy of classification, it is easy to find that the protection function of investment-type participating insurance is relatively weak, and it cannot be attached to various health insurance or critical illness insurance; Guaranteed dividend insurance, on the other hand, pays more attention to protection, and dividends are only incidental functions. Which insurance company is strong, I just sorted out the relevant content, I hope it will be helpful to you: the latest list!

Ranking of the top 10 insurance companies in the country.