Is it appropriate to withdraw the insurance of the past and buy the more cost effective Ping An Zhiy

As a practitioner of Ping An Life, you are welcome to pay attention to Ping An Zhiying Life Insurance.

However, a few suggestions are for reference.

1.Surrender is a loss and a last resort, and there seems to be no inevitable conflict between buying a new insurance policy and existing protection. Specific problems are analyzed on a case-by-case basis, and other commodities can like the new and hate the old, but insurance products are often an exception.

It is advisable to carefully study the existing policy protection plan, if there is no conflict, there is no need to surrender the policy.

2.You say it's cost-effective, but I don't know how to understand it. Probably, it is true that the cost performance of Ping An Magnum has certain advantages, relatively speaking.

However, it should be noted that its biggest advantage is low premium, high protection, flexible and adjustable, that is to say, the advantage in protection is the greatest, the so-called income, the prerequisite is time, medium and long-term financial products, and no one is responsible for the actual income of this product in the future. Saying this, I hope you look at this product rationally, security first, benefit second.

3.Ping An Zhiying Life Universal Insurance was delisted last year. The universal insurance in the real sale has been upgraded to safe and outsmart life.

Compared with Zhiying Life, Zhisheng Life has made great adjustments in the form of products. For example, in terms of payment method, customers are required to continue to pay for at least 10 years. If there is a partial claim within 10 days, the price that the customer needs to pay is also quite large.

These are the differences from the old Magnum, when buying, you must understand clearly, do not be blind.

4.After all, I don't recommend this way, if you have to do this, there is only one reason, not how to be cost-effective, but the existing policy is really bad, it is a chicken rib, a burden.

It is advisable to be cautious and deliberate. Best wishes!

In fact, there is also a time cost to buy insurance, and it is estimated that most friends who buy insurance ignore it. Now friends who buy insurance often ignore a problem of time, and just stare at the income and dividends, resulting in many friends returning and buying, buying and returning, in the end, or buying a similar product, but they have wasted several years of payment time in vain, and have to start from scratch. If friends who buy insurance can add the time cost of buying insurance to it, and then compare which of the two products is more cost-effective, it is estimated that you can reduce your losses as much as possible.

Insurance dividends are used to resist inflation, and they can't make friends who buy insurance rich overnight, so everyone should try to be bearish on dividends, and pay more attention to the protection they enjoy after buying insurance, which is the biggest benefit that can be obtained by depositing money in the bank!

Forget the landlord!

Zhiying is a universal insurance, I don't know what type of insurance you used to have, so it can't be compared. In fact, the insurance is not necessarily the new good, the old insurance has a certain value and protection, if you continue to change the type of insurance will only increase your insurance costs and unnecessary losses, depending on the actual situation.

Pay 10,000 yuan a year for ten years, you can get 450,000 yuan when you are 60 years old, and if you wait until you are 70 years old, you can get nearly 900,000 yuan.

This proposal should be suitable for you, and I can send it to you.

Please DM me your email address.

Hello, each insurance has its own benefits, and it is not recommended to surrender the policy.

It is recommended that you do not surrender the policy, as surrender is a loss. If the protection is insufficient, it can be supplemented, but it is not wise to surrender the policy.

What kind of insurance did you buy in the past?

First, the salesman is still on the job, and directly ask the salesman to help you do online surrender, and you will wait to answer the return visit of 95511**, and no procedures are required.

The second is that you bring your ID card and insurance policy to the local safe counter to surrender the policy**.

Personally, it is recommended that the landlord is not over 45 years old, just renew, this is Ping An's universal insurance, which can be guaranteed for life by paying for more than 10-15 years, and the pension should also be supplemented.

If you buy it, don't refund it, especially if you are around 30 years old (the younger you are, don't return it), pay the money in when the time comes every year, and then take out the part with more insurance value after a few days, and the money in the insurance account is enough to deduct the insurance cost for a year. This method is much more cost-effective than buying critical illness insurance separately outside the world, and there is nothing wrong with having more protection in today's society.

The payment period of Ping An Zhiying Whole Life Insurance is determined by you, and it is common to pay for 10 to 20 years. Of course, the longer you pay, the greater your benefit, and this insurance can be paid for life. It doesn't matter if the payment period shown in the contract is lifelong or unlimited, the key is that you have the provisions of the contract that you are free to pay.

Ping An Wisdom Whole Life Insurance can defer payment without affecting your protection. It is also possible to partially receive and take out a policy loan, and it is recommended not to surrender the policy unless it is a last resort. The surrender principal of 5 years is not recovered, generally 8 to 10 years to return the principal, and there is an annual income of 1,000 to several thousand yuan after the return of the principal.

The amount of interest depends on the amount of contributions, or compound interest rollover. The product has been withdrawn from the market, and it is impossible to buy such flexible insurance if it is withdrawn. Moreover, the interest rate of this insurance rises with the market interest rate, and the yield is very impressive.

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

Hello, not paying the premium, is equivalent to the termination of the contract, that is, all the protection is gone, of course, no one wants to have an accident or critical illness will happen to themselves, but if there are really these changes, your insurance will more or less help you, if you have the ability, really do not return, the loss of the refund is really big. In addition, paying for 10 years means that the payment period is 10 years, and the lifetime insurance period is lifelong, that is, after you pay the 10-year fee, you will get lifelong protection, not for life. As for Xinxiang, it is both insurance, it is the return of the survival fund after the insurance period, the amount of survival is twice the amount of insurance, if your insurance amount is 30,000, then there will be 60,000 at the end of the term, so don't worry, pay on time, pay enough years, and the protection will follow you!

Hello this friend, it is a pleasure to serve you! Congratulations on not using this insurance, because insurance is distressing when you don't use it, but it's even more distressing when you use it, right? Insurance is to be prepared for danger in times of peace, just like an umbrella in our home, the journey of life can not always be clear, when the wind and rain come, we have an umbrella will face it calmly, right?

No matter how capable a person is, accidents and diseases are uncontrollable, so how to use a small amount of money from us today to take away tomorrow's senseless worries, we need to plan in advance, insurance in the same time as saving money to give you protection, and finally your money will be returned to you with interest, isn't it? Zhiying is a very good universal product, now it is out of sale, this product is fully protected, including value + accidental injury + accidental medical treatment + critical illness, at least 10 years, but there is no limit to more, it is recommended that you pay 15-20 years, so that the money in your account is like a snowball, the more it rolls, it will be a good pension supplement when you are old. Xin Detail is a term insurance, double the sum insured will be paid at the end of the protection period, if the sum insured is 30,000, 60,000 will be paid at the end of the period.

I hope my answer can satisfy you, if you have any questions, please click to consult!

Can you tell us about your approximate age? This insurance is first and foremost covered. It is not recommended that you choose to return.

The payment written on the policy is for life, but you can take a look at the explanation of the "deferred payment function" indicated in the terms of the contract, as long as there are enough expenses in your account to cover the cost of protection, this account will continue to be valid, that is to say, even if you choose not to pay it for the time being, if there is enough money in the universal account to deduct the fee, you will still be given the amount of insurance mentioned in the contract. When you ask about the cost of protection, there are two pages of the contract where you can calculate the cost of protection rate**, and you can figure out how much the cost is withheld each year. So that you can spend clearly.

In addition, you said Xinxiang, this is a term insurance, which can be returned to you according to the sum insured + dividends when the agreement is made. But why do it for 10 years? Moreover, these annual fees are not really the purpose of the education you want, right?

Don't know what you're buying insurance for? Any product has its advantages, but the main thing is what problems do you want such a combination to solve for you? You need to be clear about three main things that insurance solves:

1.Event: Critical illness, death 2

Little things: ordinary hospitalization, small accidents 3Nothing:

Educational reserves, pensions, and family succession. Figure out what you want to solve first. From a professional point of view, it is necessary to conduct a simple questionnaire to gauge your family's protection needs and then plan a perfect policy.

Simply pushing the product is just an irresponsible performance for you and your family. If the insurance can't help you in the event of an accident, won't this insurance make you suspected of being deceived, I don't know if you agree? You are welcome to consult online, I will be more than happy to do such a protection needs analysis for you, in order to help you make a reasonable insurance plan :)

Insurance is to buy when you don't need it and use it when you need it. I'm glad you don't think it's useful right now. The biggest feature of universal insurance is that it is flexible, and the younger you are, the better it is for future accumulation.

I won't ask to pay it all the time, and I can postpone it if I don't have the financial means at some point. You can sign up for Ping An Account to check the status of your policy at any time. Xinxiang is also my favorite type of insurance, if the basic amount of insurance indicated in the contract is 30,000, then it expires twice the basic amount of insurance, that is, 60,000, remember that the dividend distribution method is to pay off the increase is better.

Hello, Ping An's Zhiying Life Universal Insurance payment period is not limited to the customer has the right to pay for life, because the insurance is a savings product, pay more in the future to supplement the pension to get more, and it has the function of deferred premium payment, as long as the cash value in the account is enough to pay the annual cost of protection, this contract will always be valid, in addition to your baby to buy Ping An Xinxiang, the expiration of the survival is to return double the amount of insurance, you can rest assured, the insurance liability in the contract has been agreed, you don't have to worry.

1. This type of insurance is basically available, personal protection, accidental medical treatment, accidental injury, critical illness, you can also attach hospitalization medical treatment, hospitalization subsidies, etc., depending on whether you have attached! If it's 6,000 yuan, then there is no additional insurance!

2, this is now free payment, unlike traditional insurance, you must pay at a fixed time, a fixed time to receive the funds in the account, this insurance is free, as long as you have enough money in the account of Zhiying Life to deduct the cost fee, this insurance will always be effective! You can choose to pay for life, or you can choose to pay for just one year, and when the account amount is not enough to deduct the cost of protection, you can also pay again.

3. If the normal sum insured is paid, you can get back the principal if you pay it for 10 consecutive years, and if you don't pay it after 10 years, the account amount will always be **, because there are compound interest dividends. You are now paying 3 years is 18000If you don't save money into your insurance account, your insurance can almost be considered spending!

4.Xinxiang can, many of my colleagues make Xinxiang for their babies!

How much money can you get in the end, in fact, the customer can calculate it a little, you can go to Ping An ** every month to check the dividends of your insurance, this is public, you can also enter your own account, check out, how much is the dividend of your insurance, you can also call your salesman, play a plan to show you, which is very clearly written, which year you pay the insurance, how much is your account! How much is the cost deducted per year! What is the range of dividend interest!!

Hello: I don't know how old you are and how much you have covered? If you are under the age of 30, it is recommended that your insurance Zhiying life pay for 15 years is almost OK, if you are more than 30 years old, it is recommended to pay for 20 years is more reliable, you can continue to pay money in the future, you can take out the pension when you are old, this account is very flexible, you can provide for the elderly when you are old, the child's insurance is all according to the contract, black and white, the expiration is 2 times the amount of insurance, if the amount of insurance is 30,000, the expiration is 60,000, you can also call 95511 to consult customer service, Don't worry, if you don't understand anything, just call customer service, the service is by your side, I hope it can help you!

Hello: This netizen, first of all, we have to figure out what the purpose of buying insurance is, you and other customers who buy insurance have such questions, that is, when will you get back the principal. In fact, the purpose of buying insurance is to reduce our financial burden and preserve our assets when the risk comes, so that we can earn the money we should earn, and the money we earn cannot run away, it is not a profiteering investment behavior.

Like the type of insurance you and your children buy, there are protection functions, as long as you pay the maturity, basically the total interest of the principal will be flat, at that time, it is recommended not to surrender the policy, long-term holding, that is, it can be guaranteed, but also let the account and interest compound interest appreciation, isn't it better?