Taikang Jinmancang B annuity insurance, paid for 2 years and now has to be surrendered

As soon as you pick annuity insurance, the head is big, and the rate of return of different products is very different. 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 achieve the annual rate of return of the main insurance alone.

For everyone's reference.

Below I will share two tips for choosing an annuity for you:

1.The first key is high yields.

Regardless of the purpose of buying annuity insurance, since annuity insurance is to manage money, we must first talk about income. Annuity insurance achieves income growth through annuity accounts and universal accounts. 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.

The better annuity insurance on the market generally has an IRR close to 4% after more than 10 years of appreciation.

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

The biggest impact of annuity insurance is to change our cash flow, so there are 4 questions to consider:

How much can a child get back for studying?

How much pension can be returned for our old age?

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.

Although business owners have sufficient budgets, they also need to pay attention to the cash value of annuity products and how much money they can leave for their loved ones after death.

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"Taikang Jinmancang B annuity insurance, paid for 2 years and now has to be surrendered"All, look!

Surrender is not recommended, especially in previous years, where the remaining cash value is very small. If your policy states that the cash value for the second year is $1,357, you will receive $1,357 when you surrender the policy.

It has been paid for two years, it is better to continue to pay, if the surrender is only returned to the cash value, a little inappropriate, it should be a small deposit and a whole withdrawal, compulsory insurance, five years down how to say that it will be stronger than bank fixed deposits, and the annual payment is not much, and then insist on it for three years, after three years, you look at your income and dividends to know that the first five years of pay is really rewarding!

3 years of capital protection, only 3 years of saving is a loss!

First of all, that product is not a lie, the principal of 10,000 yuan must be taken back, and the specific form and income of Taikang Jin's full warehouse product are as follows:

1. Fixed income part: In the first page of the policy in your hand, you can see two numbers, one is the principal of 10,000 yuan, and there is a number of 10,500 yuan at the back, and the extra 500 yuan is your first part of the income, which you must get. (Of course, 500 will be given only when the expiration date, and if it is less than 5 years, it will not be given so much).

2. There will be a dividend every year, and if it is put to the end of 5 years, you can get it at least 5 times.

3. Protection: If you die due to illness within one year, the premium paid will be returned, the contract will be terminated (your 10,000 yuan will be returned to you, and it will be nothing), and if you die due to illness one year later, the insured amount will be returned (10,500 + one-time dividends).

If you die due to an accident, you will be paid four times the accident insurance money, and the contract will end (if you die in an accident, you will be given 10500*4 plus your dividends, and the dividends will be given several times after a few years of the policy, and you will not give it if you haven't passed a year!) ）

Conclusion: If it expires, you will definitely be able to get back 10500. There are also 5 cumulative dividends, and the total income of the product at maturity in historical data is between 1900-2200 per 10,000 yuan, that is, between 11900-12200!

If you just want to get back the principal, you must be two full years later, so you may not lose, and you must not lose three full years!

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

Summary. Hello, if your insurance expires, you don't bring it out, and if a claim occurs, this amount is quite substantial. That is to say, if you keep the insurance in the insurance company, you don't take it out, well, if it is the beneficiary who benefits, the first can not pay taxes, and the second can get your premium, that is, the amount you show is multiplied by 10%, and you can also receive an additional 10% of such an income.

How much money can I receive when Taikang Jinmancang B insurance expires?

Hello, if your insurance expires, you don't bring it out, and if a claim occurs, this amount is quite substantial. That is to say, if you keep the insurance in the insurance company, you don't take it out, well, if it is the beneficiary who benefits, the first can not pay taxes, and the second can get your premium, that is, the amount you show is multiplied by 10%, and you can also receive an additional 10% of such an income.

I am from 2011 to 2021, 4,000 yuan per year for five years and ten years.

If that's the case, you can get at least about 50,000 to 60,000 yuan for this insurance, and you may have nearly 25% of the income.

The general surrender refers to the surrender of the policy by the consumer for some reason during the insurance process, which is called mid-term surrender in insurance terms. In the case of a normal mid-term surrender, the insurance company will surrender the policy based on the cash value. Because there is a large gap between the cash value and the premium paid by the consumer, it can sometimes lead to the loss of more than 50% of the principal.

Therefore, I understand what the landlord means: can I get back the full premium if I surrender the policy in the middle of the policy? Or can the policy be surrendered in full?

If there is no deviation in this understanding, then the landlord has encountered a more difficult problem. This is because full surrender is an impossible problem to solve in the eyes of the insurance industry. In practice, even if consumers find a lawyer, they will lose more and win less.

So how to achieve full surrender, the key is to find evidence of being misled by the insurance company, including recordings, signatures and other materials. For specific situations, it is recommended that you go to the Century Insurance Network. This is their area of expertise.

Hope this, can be helpful to you, for reference!

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

First of all, the dividends are divided according to your cash value, the first year is just a year's premium, the cash value is less, so the dividends are less, and the second year is a two-year premium, and then the cash value is more, the second year's dividends will be more than the first year (under the same condition of Taikang's business situation), and so on....Similarly, when you don't pay the premium in the sixth year, the dividends and survival funds will be sent to you, but the money is in the account in the name of the company, not in your CCB passbook, so you can't see it, but the dividends and survival funds can be withdrawn, and if you don't take it, compound interest will be calculated annually.

Second, correct what you know about the insurance product. Insurance insurance is a protection, bank insurance only has a death insurance, that is, if the insured is unfortunate during the validity of the contract, there will be several times the amount of insurance agreed in the insurance contract, you buy this insurance is financial management plus protection, that is, life and death are also rich, as long as you hold it according to the contract for ten years should be higher than the interest rate in the bank for the same period.

Again, if you really want to complain, the best thing to do is to go back to the person you went to last year to find the person who sold you the insurance at that time, and ask him to explain the reason to you. However, you have to recognize the fact that you signed the contract and agreed, and you have the right to refund the full amount during the 10-day hesitation period.

Let's calmly think about how to solve it.

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

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

Taikang Huiying Annuity Insurance pays 20,000 yuan annuity annuity annuity insurance annuity for 5 years, with a total payment of 100,000 yuan, and you can refund about 10,000 yuan if you surrender the insurance.

Taikang Huiying Annuity Insurance pays 20,000 yuan annuity annuity annuity insurance annuity for 5 years, how much can be refunded when surrendered.

Dear, I'm glad to answer your <>

Taikang Chashi Huiying Annuity Insurance pays 20,000 yuan a year, pays for 5 years, pays a total of 100,000 yuan in stupid round fees, and can refund about 10,000 yuan for the surrender of the insurance virtual file nonsense.

It means that the loss is <>

<> dear, Taikang Huiying can not take the principal after the hail before the expiration of the annuity, and can not get back all the principal after the expiration period, as long as it is not received at the agreed age, it is regarded as surrender, and only Huifan will return the cash value. If the insurance is surrendered beyond the cooling-off period, only the cash value will be refunded.

Dear, yes, all insurance beyond the hesitation period, surrender will have a great loss.

How can we make the most sense?

Dear, zui's reasonable solution is to surrender the policy during the hesitation period. After the hesitation period, all surrenders can only take the difference in the cash value of the policy. The value of wealth management insurance is higher, with 25-50% of the insured amount.

In the case of critical illness insurance, the inflated value of the cash price is only 10-15% of the insured amount.

Taikang annuity insurance can be refunded about 20%-100%.

1.If the main insurance is annuity insurance and is surrendered during the hesitation period, the insurance company will refund all the premiums it has paid, that is, it can be refunded 100%, but some insurance still need to deduct a only completion cost, but it will not be too much; If the short-term annuity insurance policy is surrendered after the cooling-off period, the remaining premium can be refunded after deducting the premium for the number of days covered and the procedure fee.

2.If the policy is surrendered outside the cooling-off period, the cash value of the policy can be refunded, and the specific amount of cash value should be subject to the cash value table of the policy.

3.If the annuity insurance is attached to the universal insurance, the cash value of the main insurance annuity insurance + universal account income (the amount returned by the annuity insurance can be refunded if the universal account income is not claimed) can be refunded by 50%-80%. Taikang Zhiying Life, Huiying Life, Happiness World Carnival Annuity Insurance, 10 years of payment, normal insurance, no additional universal account, according to the mid-range dividend and universal account interest rate, are the 16th year of return, there will definitely be economic losses in the front surrender.

4.Surrender Process:

1) Find an insurance salesman to handle the surrender procedures on your behalf. You can find the insurance salesman of the insurance company you know to surrender the policy, and hand over the surrender information of the policy, a copy of the ID card and a copy of the bank card to the salesman of Baomeishan Distressed Insurance, who will handle the surrender on his behalf;

2) You can bring your ID card, insurance policy, bank card and other surrender information to the offline branch of the insurance company to go through the surrender procedures;

Let's talk about dividends and cash values.

Dividends are uncertain.

Maybe the salesman brags about his previous performance in front of you, but that doesn't mean anything. According to the relevant regulations, dividends are related to the operating performance of the insurance company, and a certain proportion of the performance of each fiscal year is distributed, and the operating performance is uncertain, so the dividend is uncertain and cannot be calculated now.

I bought a dividend insurance in 07, and in 07 (the economic development is better) the dividend was more than 400 per 10,000, but in 08 (financial crisis) it was less than 100 per 10,000.

Cash value simply refers to the value of the insurance contract after a certain number of years (usually 2 years) of the insurance you bought, that is, the money you can get when you surrender or expire. It is stated in the general insurance contract.

If you buy this insurance, the monetary income you can get is the cash value (generally less than the bank's interest plus principal in the same period, or what about the bank?). ) and dividends. Because dividends are uncertain, there is no comparison of how much you can get.

But we can't make a direct comparison, because after all, we are buying insurance, we are selling things, and we are buying a guarantee. Also, buying insurance is not a deposit, and you will lose a lot if you surrender the insurance halfway, so please decide carefully according to your financial situation.

I bought in 2010 Jin Mancang B annuity insurance (dividend) for 5 years and 10 years, the dividend in 2011 was only more than 100 points, and the dividend in 2012 was only 266 yuan. Don't believe the bank people who wear work clothes, I run it at ICBC, don't be fooled again.

Dividends vary from year to year depending on how much the insurance company makes a profit.

08 is specifically asked 95522 to provide the policy number.