2006 Ping An Insurance of China Universal Insurance Zhiying Life B has been paid for ten years, whet

Universal insurance payment is very flexible, it is generally recommended to pay for more than 10 years, as for the follow-up payment, it is up to the customer to decide. Because universal insurance is a lifetime insurance, the cost of coverage is deducted every year, and the older you are, the higher the cost of coverage. If you are too old now, it is recommended to call Ping An customer service **95511 to check the cash value in the policy, as long as the cash value is enough to pay the next year's protection cost, the insurance contract will continue to be valid, if the cash value is insufficient, the insurance contract will be terminated.

Hello! It's okay to stop paying, but keep an eye on the value of your account.

Universal insurance is to pay for life, and the deduction (protection cost) is for life, which should be understood. Suspension may be at a later stage, when the cash value of the policy is deducted and the policy is closed.

Hello, the payment period of universal insurance is very flexible, you have paid for 10 years now, you can not pay.

Yes, you can not pay it, but try to pay it every year for your own post-service.

The risk insured amount is deducted from the investment account at the beginning of each month.

I also bought universal insurance, which can be stopped, but pay attention to the account funds.

Universal insurance is to deduct the cost of protection, I don't know how high your insurance amount is, the specific situation should be analyzed!

It depends on age and sum insured. If you are older to apply for insurance, or if the sum insured is high, it is not recommended to stop calling.

It depends on your age and the sum insured! Consider, specific analysis, there is no ready-made formula! It is inappropriate to directly say that you can or cannot stop paying!

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It is not recommended to surrender the policy, and if the policy is surrendered after 15 years, only the cash value will be refunded, and the full principal cannot be refunded. Ping An Zhiying's life has been paid for 15 years, but the payment period has expired, but the insurance period has not yet been reached, which is considered to be a halfway surrender. Surrender only the cash value of the insurance, and it is a great loss to surrender the policy halfway, and you have paid the premium payment period, and the loss is even greater.

You can go to the business office of Ping An Insurance and ask the staff to calculate the total cash value for you, which is the amount that can be refunded.

Summary. First of all, insurance generally has a hesitation period, ranging from 10-20 days, and surrendering the policy during the hesitation period is almost non-loss, and the cost of production is generally deducted; After the hesitation period, there will be a great loss in surrendering the policy, because for the insurance company, the handling fee has been spent, the commission has been paid, and you have enjoyed the protection in this short time of buying insurance. So at this time, if you surrender the policy, the insurance company will only refund you the cash value of the policy, which is generally very low.

It has been 12 years since the surrender of Ping An Zhiying Life Whole Life Insurance.

Hello dear, glad to answer for you. Ping An Zhiying Life Whole Life Insurance Universal Surrender has been paid for 12 years, then only the cash value can be refunded.

First of all, insurance generally has a hesitation period, ranging from 10-20 days, and surrendering the policy during the hesitation period is almost non-loss, and the cost of production is generally deducted; After the hesitation period, there will be a great loss in surrendering the policy, because for the insurance company, the handling fee has been spent, the commission has been paid, and you have enjoyed the protection in this short time of buying insurance. So at this time, if you surrender the policy, the insurance company will only refund you the cash value of the policy, which is generally very low.

Pro, assuming that the settlement interest rate is at the mid-year level: on the policy anniversary of the age of 60, Mr. Li's policy account value (i.e. cash value) is about $450,000, and he still has the death benefit of about $1.06 million on the policy anniversary of the age of 80; Assuming that the settlement interest rate is at a low (annual) level, Mr. Lee's policy account value (i.e. cash value) is about $220,000 on the policy anniversary of age 60, and he still has a death benefit of about $290,000 on the policy anniversary of age 80.

With the continuous development of social economy, we will encounter various problems in real life, especially for the purchase of Ping An Zhiying Life Insurance Universal Insurance, can we return the principal of the insurance within ten years? In fact, according to the relevant information on the Internet, we will not be able to return the corresponding principal within ten years, which is something we must be clear about when we buy insurance.

First of all, we have to understand such a problem, that is, this insurance can not return the principal within ten years, because although the current income is not bad, but the initial cost deduction is very much, that is to say, the starting point is already very low, in the first year into the personal account of only about 2900 yuan, in the second year of 6,000 yuan only 4400 yuan, can be included in the personal account, so we can obviously know that the early income is very small, although the later income is very much, But in fact, it is impossible to get the principal within ten years.

Of course, if the insurance contract we buy stipulates that the number of years we pay is ten years, and the type of insurance we buy is a return type of insurance, then we can directly obtain the corresponding principal, and this problem is best to consult the staff of the insurance company that we purchased by ourselves, because basically only the staff of the insurance company knows the nature of this insurance. Only the staff of the insurance company know if we can get our principal or not.

To sum up, we can obviously know that when we buy this insurance, we want to return the corresponding principal, in fact, it is still very difficult, we need to take longer, because this insurance may not be a return insurance, then there is no way to return the money we should get within ten years.

It should be possible. If they sign such a pact with you, they should be able to get the money back, it's just an investment.

Probably not. They will still deduct some fees, but this is based on the contract you signed with them, and it is not possible to predict in advance.

Yes, you can, and you can get your principal back very smoothly, and there will be additional income.

Summary. Hello, it is a pleasure to serve you. If you have purchased Ping An Zhiying Life Insurance Universal Insurance, you may not be able to fully return the principal of the insurance within 10 years.

If I purchase Ping An Zhiying Life Insurance Universal Insurance, can I return the principal of the insurance within 10 years?

Hello, it is a pleasure to serve you. If you have purchased Ping An Zhiying Life Insurance Universal Insurance, you may not be able to fully return the principal of the insurance within 10 years.

For example, when you pay a premium of 500,000 yuan, the insurance company will charge a certain initial premium, protection cost, etc., so there will be a certain economic loss after ten years, and if you want to withdraw it, you may not be able to get the principal of 500,000 yuan.

It is difficult to say whether the principal can be recovered after 10 years of payment, because at this time, the cash value of the policy can only be returned if the policy is surrendered halfway. There are a lot of risk management fees deducted in the early stage of universal insurance, and the cash value is difficult to determine. Generally, the premiums paid are deducted from commissions, various insurance company management fees, premiums required for liabilities plus interest and money in the universal account.

I have paid for 14 years, 5882 yuan per period, how much money can I get back now?

What is the payment period, that is, how many years do you need to pay the premium?

Delivered for 10 years. This will basically refund the entire principal.

If the term is 10 years, you can return the full principal amount if you pay for 14 years.

Summary. The so-called "omnipotent" of universal insurance does not mean that the product can meet all people's protection needs and income expectations, but that after applying for insurance, the insurance amount, insurance premium amount and payment period can be adjusted according to the protection needs and financial conditions at different stages of life, and the appropriate protection and investment ratio can be selected.

I have now purchased Ping An's Zhiying Life Universal Insurance with an annual payment of 6,000 yuan, and if the policy is surrendered after 15 consecutive years, it will be refunded to the policy for 15 years.

Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait!

Refund the total cash value for the 15 years on the policy.

It is also not recommended that you surrender the policy at the end of the term. There is a possibility of loss.

I have now purchased Ping An's Zhiying Life Universal Insurance with an annual payment of 6,000 yuan, paid for 11 consecutive years, if part of the payment, what is the impact on me, I continue to pay I don't see much interest, or compound interest but only 250 yuan of interest per month, the current account balance is more than 70,000. I signed the contract on July 30, 2010 to the end of 2011 has been paid for ten years, age 43, female, never hospitalized, currently decided to take out 60,000 from it, and then more than 10,000, please ask the teacher is a big loss? Because I don't think there is much interest on the compound interest in him, the interest will start to be calculated this year, and it will be basically about 240 per month, so I want to take out 600000.

It's not saving, it's insurance. Even if you save for 30 years and get back the so-called principal, there is a loss.

The so-called "omnipotent" of universal insurance does not mean that the product can meet all people's protection needs and income expectations, but that after applying for insurance, the insurance amount, insurance premium amount and payment period can be adjusted according to the protection needs and financial conditions at different stages of life, and the appropriate protection and investment ratio can be selected.

So, unless you need money urgently. Otherwise, it is not recommended that you surrender the policy.

I don't surrender the insurance here, that is, to leave the cost of 10,000 yuan, and then take out the rest, it is really urgent, teacher, if you do a policy loan, is it suitable or partially received?

If you need money urgently, you can apply for a policy loan. Interest rates are not high. It also does not affect the cash value of your original policy.

Well, yes, thank you very much, that is, it is appropriate to apply for a loan.

If you take it out. First. The direct impact is the settlement rate corresponding to the cash value. Direct benefits that affect you.

Second, take out too much cash value. This will result in an outright surrender of the policy. Not to mention the impact guarantee. The base interest rate is also gone. Pay for one's whistle.

Very urgent need for money. The best way to do this is with a policy loan. After all, your policy interest rate will remain the same, giving you a profit. It doesn't have much impact on your turnaround.

As the old saying goes, it's better not to do a drop in the bucket. The losses are significant.

I hope mine can help you. If you are satisfied with my service, please give 5 stars.

It's been 11 years, okay, absolutely amazing, the teacher said it very thoroughly, I understand everything, thank you very, very much.

You're welcome.