How much does Ping An Insurance Xinsheng return to the monthly pension after 20 years?

1. Before Paul's death in 65 years, only those who had insurance benefits. But you still have dividends. Unless you have additional insurance.

2. Dividends are uncertain, so let's not talk about it.

3, 65 years old can receive no fatal cases.

4. See what kind of insurance you add and what kind of characters appear.

I think the main insurance coverage is very low to realize your idea that there must be additional insurance. 06。It is tantamount to surrender.

Let's talk about dividends and cash values.

Dividends are uncertain.

The salesman in front of you can boast of performance before, but that doesn't say anything. According to the relevant regulations, dividends and work in a certain proportion are related to the results of the distribution of performance in each fiscal year, and the insurance company and operating performance are uncertain, so dividends are uncertain and cannot be calculated now.

I bought a dividend insurance in 2007, and in 2007 (economic development is better) 400 degrees per 10,000 bonuses, but in 2008 (financial crisis) it was allocated within 10,000 per hundred.

Cash value. The value simply means that you buy insurance after a certain year (usually 2 years) after the insurance contract is incurred, which is the money you surrender or get when it expires. The form of a general insurance contract is accounted for.

What if you buy insurance to get the income of the money is the cash value (generally higher than the bank interest plus the principal minus the same period, or the bank?). And the dividend added. Because dividends are uncertain how much you can get, they can't be compared.

However, we can't directly compare like this, because after all, we are in insurance, selling things, and buying a guarantee. Instead of buying an insurance deposit, you will lose a lot by surrendering the policy halfway, so please decide carefully according to your financial situation.

How old are you, how much sum insured and how much is the annual premium?

Xueba talks about insurance, focusing on insurance evaluation! Recently, we have compiled a comparison table of 35 popular participating insurances and 101 critical illness insurances, which is very comprehensive35 participating insurances PK 101 mainstream critical illness insurance, to friends who know this article.

In the fireworks of all kinds of insurance products, you must have seen the word "dividend", so what exactly is dividend insurance? Is it worth buying? Today I will take you to unveil the "mystery" of dividend insurance:

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. Insurance that has both protection and returns dividends has made many people excited.

Just listening to the word "dividend", will you feel very good, you have paid the money, not only guaranteed, but also dividends, but many friends told me that "I bought dividend insurance, and now I regret it", because the dividend income is completely out of line with expectations.

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

First, yields are uncertain.

Second, the dividend pool is not transparent.

The existence of these two characteristics has made the benefits that consumers can really obtain an unknown, and because of this, the dividend insurance has become the insurance with more consumer complaintsParticipating insurance has such a high complaint rate?!

It's all made clear.

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

That's all for me"How much does Ping An Insurance (Xinsheng) return to the monthly pension after 20 years? "All, look!

No. Because Ping An Xinsheng whole life insurance is a whole life insurance. After the conclusion of the insurance contract, the insurer shall pay the insurance benefit whenever the insured dies.

As long as the insured pays the premium on time, the insurer has no right to refuse to renew the policy. According to the different ways of paying premiums, there are three types of life insurance: whole life insurance with full payment of premiums, whole life insurance with regular payment and whole life insurance with one-time payment.

That is to say, after 20 years of payment, it can be insured for life, as long as the insured dies, he can get the corresponding insurance compensation, and he cannot get back the principal when he is alive. Therefore, Ping An Xinsheng whole life insurance cannot get back the principal after 20 years.

Hello, Ping An Xinli Insurance Dividend cannot withdraw the principal after 20 years. The insurance is a participating insurance that can be returned every 2 years, and its protection period is 80 years old for the insured, so taking out the principal before the age of 80 is a surrender behavior and you have to bear the loss. Although insurance can pay dividends, its 20-year cumulative dividends are far less than its losses.

After 20 years, the customer can refer to the data in the "cash value table" in the insurance contract to inquire about the specific amount of money.

Summary. Hello dear! Now for you to answer the question of whether Ping An Xinli Insurance Dividend can get back the principal after 20 years:

Can't get back the principal Oh, after 20 years, Ping An Xinli can't get the principal back. But after 20 years, you can continue to receive money until you are 80 years old.

Can Ping An Xinli Insurance Dividend Get Back the Principal After 20 Years?

Hello dear! Now for you to answer the question of whether Ping An Xinli Insurance Dividend can get back the principal after 20 years: You can't get back the principal Oh, Ping An Xinli can't get back the principal after 20 years.

But after 20 years, you can continue to receive money until you are 80 years old.

Ping An Xinli Insurance (Dividend) cannot be withdrawn at one time after 20 years. Ping An Xinli is a type of insurance underwritten by Ping An Insurance with a full dividend type, with an optional payment period of 20 years, and the insurance period is guaranteed until the insured reaches the age of 80, and twice the sum insured can be returned at the end of the term, plus dividends. If the policyholder wants to take it out at the end of 20 years in Ping An Xinli, it is a midway surrender and a refund at the cash value, there will be a certain loss.

1. If you want to withdraw outside the hesitation period, you can withdraw the cash value by surrendering the policy. 2. If the policy has been paid for 20 years within the cooling-off period, the policy can be surrendered directly and the insurance company will refund the full premium. 3. In addition to surrendering the policy, you can also borrow 80% of the cash value of the policy at a relatively low interest rate through the policy loan, which can also obtain a sum of funds.

3. The other is the reduction of insurance, that is, partial surrender of the policy, refunded according to the cash value, to obtain a sum of money, and you can still enjoy protection. 4. Ping An Xinli Insurance is a return-type dividend insurance, which does not need to be paid again after the expiration of the 20-year payment period, and the return every 2 years is called fixed return, also known as survival fund, as long as the insured survives, it will be returned to life. This is not a dividend, but is returned to the customer every 2 years according to the terms of the contract, according to the provisions of the policy, according to the sum assured.

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

Ping An Xinli (2017, II) Annuity Insurance (Participating) is a participating annuity insurance product. If you apply for this product and choose a 20-year premium payment term, you will receive 6% of the basic sum assured every year starting from the fifth policy anniversary of the contract. After 20 years, it is generally not possible to take the money at one time, unless you apply to terminate the insurance contract.

Suppose a father insures this product for his 0-year-old son, the basic insurance amount is 30,000 yuan, and the payment period is 20 years. In the case of eligibility, the insured person is still alive every year from the fifth policy anniversary, i.e. 30,000 6%, which is $1,800.

If the 20-year payment period expires, a total of 28,800 yuan of survival insurance has been obtained. Over time, if the conditions are met, the insured person will receive the survival insurance benefit every year during the coverage period.

You can simply calculate the amount of survival insurance money that can be received, which is indeed quite good.

In addition, if the insured dies during the period of the insurance disability, the insurance company will pay the greater of the premiums paid and the cash value as the death benefit.

If the insured is still alive at the expiration of the insurance period, if the conditions are met, the insurance company will pay the maturity survival insurance benefit at 2 times the basic insurance amount of the contract at the expiration of the term, that is, 30,000 2, which is 60,000 yuan.

Friends who don't know about annuity insurance, you can take a look at this article:

Is annuity insurance good? Is there anything I need to pay attention to? What are some good products?

Of course, if you want to get the money at once, you can apply to the insurance company to cancel the insurance contract. However, senior sisters generally don't recommend everyone to do this! Because the insurance contract is terminated in this case, the insurance company will generally pay the cash value, and the policyholder may suffer a certain amount of financial loss.

How to surrender insurance, how much can be refunded, and how to reduce surrender losses?

If you have economic turnover difficulties and need capital turnover, you can also use the policy loan rights provided by this product to borrow from insurance companies with insurance policies to solve your own economic crisis. Hope.

Ping An Xinsheng Whole Life Insurance (Participating).Can I take it all out after 20 years?

Hello, honored with your question! Although this insurance is with dividends, it is a whole life insurance with cash value and savings function, but it cannot be returned, so it cannot be returned after 20 years, but it can be withdrawn through surrender.

Summary. In the case of Ping An Xinli Insurance (Participating 2017)1, you can receive a survival benefit (10% of the basic sum assured) every 2 years after applying for insurance; 2 Policy dividends, annual dividends are uncertain, dividends can accumulate to earn interest or offset premiums; 3 At the age of 80, you can receive 2 times the basic sum insured at the end of the contract.

PS If you die before the expiration of the contract, you will be refunded the premium paid or the cash value will be paid, whichever is greater.

Can Ping An Xinli Insurance Dividend Get Back the Principal After 20 Years?

In the case of Ping An Xinli Insurance (Participating 2017)1, you can receive a survival benefit (10% of the basic sum assured) every 2 years after applying for insurance; 2 Policy dividends, annual dividends are uncertain, dividends can accumulate to earn interest or offset premiums; 3 At the age of 80, you can receive a lump sum of 2 times the basic sum assured ps. If you die before the expiration of the contract, you will be refunded the premium paid or the cash value will be paid, whichever is greater.

Hello, you can get the principal back.

When will I get my principal back?

Hello, after 5 years.

Is it to get back the principal five years after the premium expires?

Hello, yes, even if you choose to surrender the policy, there will be no loss.