What are the life insurance policies that pay 6,000 yuan a year?

Ping An Adult's Peace and Happiness, Wisdom and Joy of Life, Children's Peace and Happiness, Smart Star.

I am Fude Life Insurance, Xin Xiang Success, Wealth and Wealth, Wishful in this life, etc., depending on customer needs, choose a lifetime to enjoy the value of life!

Hello, the Chinese life of Kangning omnipotence.

I am Zhang Guolin, full-time insurance commissioner of Chinese Shouhu Hunan Yongzhou Branch.

The essence of insurance is to transfer risk, obtain protection, and help people retain a special fund for emergency cash flow.

In fact, it is very simple to buy insurance, you can buy it from the insurance company, but it is difficult to buy it in place. I design insurance for you to ensure four points: first, comprehensive and adequate protection; Second, the amount of claims is sufficient, and third, the payment is flexible; Fourth, consider dynamic factors.

According to age, there are many products, and the same product is small in age and has a large insurance amount, according to the demand!

Hello, I am a Life Insurance Consultant at Prudential Life Insurance Company. Life insurance is divided into term life insurance and whole life insurance. Depending on the age, the same amount of money will buy different benefits.

When you say life insurance, do you mean life insurance for people or life insurance companies? The first one who has not bought insurance should buy a critical illness plus accident.

There are many kinds of premiums of 6,000 yuan, depending on your needs, there are financial management, and there are special risks.

Each insurance pays different money and has different benefits, so insurance is not classified by money, but by function, and life insurance is divided into multiple types, depending on your specific needs.

Age, gender, occupation, medical history, claim history, and the sum insured will all affect the amount of premium, and 6000 is too general.

The key depends on what kind of protection you want to have, it depends on age, gender, etc., you can buy anything.

Depending on what type of insurance you want to buy, there are many types of insurance that can be paid for 6000.

Buying insurance is like tailor-made, and the premium is calculated according to the demand, of course, 6,000 yuan can have different combinations.

Insurance is a tool to solve problems, depending on which aspect of your concern for the future is now, we will use insurance as a tool to solve the problem.

It's a lot, depending on your needs.

According to your age, physical condition, tailor-made products that are most suitable for you.

It depends on what protection the individual needs and how much coverage is needed.

The meaning and function of insurance is mutual assistance and sharing!

First, the main types of life insurance for Chinese.

1) Health insurance: Critical illness insurance, medical insurance, etc. are all health insurance, Chinese Life has launched a wide range of health insurance products, and the critical illness insurance represented by Corning has always been popular with customers.

2) Term life insurance: The term life insurance products provided by Chinese Life are relatively rich, which provides a broader space for consumers to make better choices.

4) Financial insurance: The biggest feature of financial insurance is that it has both protection and financial management functions. As the first batch of participating insurance products launched in the industry, Chinese Life has become a major trend in the industry's financial insurance trend.

5) Endowment insurance: Endowment insurance is mainly to provide basic protection for the life of the elderly, and the rich and colorful endowment insurance products of Chinese Life help the public to obtain comprehensive endowment security.

6) Children's insurance: Most of the Chinese life insurance is also participating insurance, which can provide medical and other health protection for children, and also includes education funds and other benefits.

The types of insurance that Chinese Life Insurance Company quietly pays more than 5,000 yuan per year may be critical illness insurance, life insurance, annuity insurance and so on. In addition to the impact of different types of insurance, the premium of insurance will also be affected by factors such as the age of insurance and the duration of protection, so there is no exact answer to what kind of insurance is paid more than 5,000 yuan a year.

So is insurance a lie? Friends who have this confusion can take a look at this article:Is insurance a scam? The insurance you bought is just a piece of waste paper?

However, if it is the first time for you to buy insurance, and you want to buy a product that only needs to pay more than 5,000 yuan per year, then the senior sister will suggest that you give priority to critical illness insurance.

Because the current incidence of restarting the disease is increasing year by year, and the cost of critical illness is relatively high, it happens that critical illness insurance provides protection for critical illness, and can pay a lump sum of insurance money when the insured suffers from a critical illness for the first time and meets the conditions for claims, so that the insured can use it for **. Therefore, it is a good choice to purchase a critical illness insurance.

Under the Chinese Life Insurance Company, there are also many critical illness insurance products, when choosing, you should focus on the protection content of the product, carefully consider whether the protection provided by the product meets your own needs, if it is appropriate, then it is worth starting. Otherwise, you need to know more about other products, and then choose a product that can meet your own needs for insurance, and you must not start at will.

Here the senior sister has also prepared a guide for you to buy critical illness insurance, and friends who don't know how to buy critical illness insurance can take a look:Which is the best critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pitfalls of insurance

The sky is high.

How about Ping An Insurance's universal insurance paying more than 6,000 yuan a year.

Questions from anonymous users.

Recommended by the person who asked the question.

How about Ping An Insurance's universal insurance paying more than 6,000 yuan a year.

It's good to see that you're insurance-conscious!

Help you analyze and analyze: For universal insurance in all the ** are all hyped, is universal insurance really universal? Is it really the same as it says?

Does it mean that the insurance premium is flexible, and it can be paid for three or five years, but there is no such thing as insurance, why? In other words, if the payment is flexible, it is not insurance, but should be called saving money, to the bank survival period, want to save it, don't save if you want to, save for three years if you want to, save for five years if you want to save for five years, this is called flexibility. As you know, there is no such thing as a free lunch.

I also heard that you can receive freedom, for example: you go to the bank to deposit a five-year fixed term, of course, you have the right to withdraw in advance, which is called the freedom to receive, but your interest can only be calculated according to the current interest rate, which is the loss I bear including the loss of selling. The receipt of insurance is completely different from that of the bank.

Universal insurance, if you have a lot of money, you can consider it; If not, be cautious, or you'll end up saying "insurance is a lie".

Here, I know that in this industry, everyone has three recognized sentences, which are such as "brand in life", "Ping An talents" and "Xinhua products".

Regarding the principle of insurance, it should be noted that:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and it can become lifelong happiness if you buy it, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

In fact, there are still many things to pay attention to, be sure to pay attention to every detail, and the above hope can help you.

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

The main function of insurance is protection, with a little financial function. Magnum has an initial expense deduction of 50% for the first year, 25% for the second year, and 15% for the third year......If you pay $6,000 in the first year, 50% of the initial fee is deducted, or $3,000, and only $3,000 is included in the value of your policy. The insurance company will give you a death benefit of at least 120,000 yuan, and if you attach critical illness or accidental medical treatment, you will also deduct the cost of coverage.

The value of your policy is less than 3,000. After a year of operation of the insurance company, according to the current universal interest rate of 4%, the interest is only a little more than 100. Therefore, if you want to withdraw money from the account in the second year, you can withdraw about 2800 at most, and the 2800 cannot be withdrawn yet, at least more than 1,000 yuan must be left, otherwise the contract will be terminated.

Magnum is a whole life insurance, which is mainly protection, and it must be counted as a medium and long-term income to calculate the income. According to your meaning, if you are going to save it this year and take it next year, then don't buy it.

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

Critical illness insurance is to protect death, which means that if a person gets a disease and a certain disease in the critical illness Qingwei Insurance, this person is "a dead end". If you want to buy this kind of critical illness insurance, it is better to buy life accident insurance (life value insurance, which is also life-saving), because the effect is the same, but the premium paid is much less. For example, a 30-year-old person has to pay more than 9,000 yuan per year for 300,000 yuan of critical illness insurance (you can get a little money for surrendering the insurance), and the insurance amount of 300,000 yuan for life accident insurance is more than 1,000 yuan per year.

If you are responsible for the family, you can have life accident insurance, and there will be the least number of disputes with the insurance company. Critical illness insurance, the insurance company earns money from currency depreciation and a considerable part of the amount deducted when surrendering, so the more money you pay, the more the insurance company earns, more than 9,000 yuan per year for 20 years and more than 1,000 yuan What kind of concept is the difference?

Note: At present, the annual accident mortality rate in China is less than 3/10,000, and 10,000 hail pei is about 3,300 times, and 100 yuan multiplied by 3,300 is equal to 330,000.

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

1. Universal insurance is a life insurance product with flexible payment and adjustable insurance amount. The product has a universal investment and provides insurance protection functions. After deducting a certain initial fee, the insurance company transfers the insurance premium to the universal policy account and settles the policy interest on a regular basis.

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

Online insurance products can be surrendered directly on the mobile phone, while offline insurance products cannot be surrendered directly on the mobile phone. For example, if you purchase an Internet insurance policy through an insurance company's online channels or online third-party platforms, you can directly surrender the insurance on your mobile phone. However, if it is an offline insurance product, then you can generally only entrust others or go to the offline service outlets of the insurance company to go through the surrender procedures.

3.Click "Internet Business Surrender";

Scroll down the page, you can see the "Internet Business Surrender", select the policy that needs to be surrendered, and you can directly surrender the policy on your mobile phone.

In addition, third-party insurance sales platforms usually also provide a surrender entrance, such as insurance products purchased on Alipay, which can be surrendered directly on Alipay::

2.Click on "Ant Protection";

Click to enter the "My" page, pull down the page, you can see "Ant Insurance", click to enter;

3.Click on "My Protection";

At the top of the page, you can see "My Protection", click to enter;

4.Click on "Policy";

Click to enter "Policies", and you can see all the Ant Insurance policies you have insured;

5.Choose Li Huai to choose the policy that needs to be surrendered;

Select the policy you want to surrender and click to enter;

7.Click "Apply for Surrender";

Generally speaking, as long as it is an insurance policy on the **, it is usually necessary to set up an online surrender entrance, and the policyholder can surrender the policy directly through the mobile phone at any time.

The above steps are operating in the operating environment:

Phone model: Xiaomi 12

System version: MIUI 13