Is Ping An Wealth Management Insurance reliable, is Ping An Insurance reliable

Ping An Bank has launched a variety of wealth management products to meet the needs of investors, and the expected returns, investment directions, and risks of different wealth management products are different. You can log in to the Ping An Pocket Banking APP-Finance-Wealth Management to learn more about and purchase.

Relatively speaking, the wealth management products of insurance companies will have more protection than banks, that is, the protection function of death insurance, and this specific operation details should be consulted with the insurance company. The biggest difference between the wealth management products of insurance companies and banks is the flexibility of withdrawal, while in some aspects bank wealth management is not so flexible. On the contrary, insurance companies have launched a wide variety of wealth management projects, which are suitable for citizens of different economic levels to participate, and the proportion of investment and income is also relatively reasonable.

The products of regular insurance companies are reliable, but it is recommended to see if the terms of the contract are suitable for you. Buy wealth management, these insurance companies rank first in the country "China Insurance Company Ranking! Which company should I choose to buy insurance? 》

Benefits of financial insurance:

There are three types of investment insurance: participating insurance, universal life insurance, and investment-linked insurance, and the income varies according to the investment direction. Among them: Participating insurance:

The investment is relatively conservative, the risk is low, and the return is relatively low. Universal Life Insurance: Mainly invests in treasury bonds, corporate bonds, large bank agreement deposits, **investment**, etc., with guaranteed income, flexible access and stable income.

Investment-linked insurance: The investment is relatively aggressive, there is no guaranteed return, the risk is high, and of course the return may be large.

Mint Insurance is built by a team of industry veterans to build a perfect professional content system such as insurance concepts, insurance misunderstandings, product evaluation, program configuration, and practical strategies, so as to improve users' insurance awareness step by step.

Financial insurance is very complicated, and the following points should be known:

1.What are the financial insurances?

Financial insurance can be divided into four categories, and the education fund, which has been very popular recently, belongs to a kind of financial insurance, but can the education fund really protect children's education? I did a detailed analysis:"Must-read for parents:

Is it necessary to buy education insurance? How to choose the right product? 》

2.How to choose financial insurance?

Space is limited, please see this article for details:"Learn this trick and stay away from the pit of 99% of financial insurance".

When choosing financial insurance, you should know the following three points:

(1) Dividends are not necessarily cost-effective

Although the CBIRC stipulates that at least 70% of the distributable surplus of the participating insurance business in the current year should be given to the policyholder, but the distributable surplus is determined by the insurance company, and it is not necessarily how much or not it can be distributed each year, so it is wrong to think that it is cost-effective to have dividends.

(2) The higher the guaranteed interest rate and settlement interest rate, the better

Guaranteed interest rate: The money transferred from the annuity account to the universal account or the money we want to add must be calculated according to the guaranteed interest rate, and the China Banking and Insurance Regulatory Commission stipulates that the guaranteed interest rate can only be lower than 3%.

Settlement Interest Rate: The settlement interest rate is the actual interest rate announced by the insurance company, which is related to the operating conditions of the insurance company.

(3) Choose different revenue trends according to demand

The income trend of different wealth management insurance is also different, some are cash value can be recovered quickly, and some wealth management insurance cash value is very slow to return to the principal in the early stage, but you can receive more annuity in the future.

If you are worried about the need for cash flow in the future, annuity insurance with slow cash value return is not a good choice. If you buy financial insurance for the elderly, it is more suitable to buy products with a slow return on investment in the early stage.

3.Who should buy financial insurance?

(1) Middle-class parents

Financial insurance is suitable for middle-class parents to buy for their children, many parents want to leave some money for their children, and if financial insurance is bought early, there will be better returns.

Some people feel that the money wants to be used by themselves, and there is nothing wrong with it, because the money after entering the universal account is at the disposal of the policyholder. Therefore, although parents buy it for their children, adults still have the initiative to fund.

(2) Business elites over 40 years old

Another main group of people who buy financial insurance is the business elite who are over 40 years old, this part of the people has strong economic strength, and insurance can bring not a rich return on investment, but stability and security, so that they can also pass on wealth relatively secretly. Hope!

Hello! Ping An Insurance Group is a big brand, among the global insurance companies, are quite well-known, and Ping An's financial business has been quite advantageous in the industry, taking Ping An Pension Insurance as an example, Ping An Pension Insurance combines the characteristics of "safety, long-term, profitability and liquidity" of enterprise annuity, and always adheres to the investment philosophy of "seeking progress in stability and winning in sustainability" in the investment operation of enterprise annuity, and makes full use of the platform advantages of Ping An Group's comprehensive finance to provide customers with safe, long-term and stable income.

Is it worth buying financial insurance from an insurance company? How is it different from other wealth management products?

Ping An is of course reliable, and as the big brother in the insurance industry, its strength should not be underestimated. In order to allow you to have a deeper understanding of Ping An Insurance Company of China, Senior Sister will introduce this company to you from the following aspects.

1. Strength display.

Founded in 1988, Ping An Insurance of China is one of the most complete financial licenses and the most extensive business scope of personal financial life service groups in China, with total assets exceeding 10 trillion yuan, making it the world's largest insurance group in terms of assets.

More about Ping An Insurance Company of China, senior sister has sorted it out in this article, you can take a look: how about Ping An Life, what products are there, which one is good, and what problems are worthy of in-depth analysis?

2. Solvency.

Solvency is a dynamic indicator that measures whether an insurance company has the ability to repay its debts. The China Banking and Insurance Regulatory Commission (CBIRC) will have three hard indicators for the solvency of insurance companies: the core solvency adequacy ratio is not less than 50; The comprehensive solvency adequacy ratio shall not be less than 100; The comprehensive risk rating is not lower than Class B.

According to the report of Ping An Life Insurance Company of China for the first quarter of 2022, the core solvency adequacy ratio is the comprehensive solvency adequacy ratio, and the latest comprehensive risk rating is B. It can be seen that the solvency of Ping An Life Insurance Company of China is up to standard.

In general, when we understand the insurance company, in addition to the above points, what else do we need to know? Here's what the experts have to say: What exactly do we look at when we look at insurance companies?

The company is reliable, and the choice of salesman is also to choose the real one.

Insurance is reliable, will be strictly in accordance with the insurance responsibility, the insurance contract must be understood.

Only if you buy all and buy enough, the accident that occurs within the scope of the contract will definitely be compensated, so it must be reliable, how can it be said to be reliable?

Insurance is reliable, and unreliable is the best person.

Ping An Insurance is reliable: You can also check it on the Internet: the profits of other companies are all negative, only Ping An Insurance is growing.

As long as it is insurance, it is reliable

The insurance is all real and reliable.

There are only reliable service personnel, and the others dare not guarantee. That's why it's important to find the right person.

Insurance is legally valid, let alone Ping An Insurance.

Since its establishment, Taikang has not had a single bad debt.

There are laws to protect you, be bold and buy insurance.

Ping An of China has what is the best financial insurance, but also according to the protection needs of the policyholder, as long as it meets the protection needs of the policyholder, it is easy to use financial insurance. At present, Ping An Life sells the following financial insurance products: Royal Enjoy Jinyou Annuity Insurance, Shengshi Xinxiang Annuity Insurance and Royal Wealth (2023) Annuity Insurance.

How about Ping An Life, what products are there, which ones are good, and what are the issues worthy of in-depth analysis?

So in the next time, the senior sister will introduce to you this "Royal Jinyou Annuity Insurance" from Ping An Life, not much nonsense, directly on the picture!

1.The age of the policy is broader.

According to the terms, the insurance age range of Royal Jinyou Annuity Insurance is 65 years old for infants who have been born for 28 days and have been discharged from the hospital in good health, so it can be seen that the maximum insurance age of this product is 65 years old.

Compared with those products of the same type on the market whose maximum insurance age can only reach 60 years old, Royal Jinyou Annuity Insurance can indeed allow more people to enjoy the opportunity to apply for annuity insurance to a certain extent.

Want to buy Ping An Life Royal Jinyou Annuity Insurance? Read this article and talk about it!

2.Lack of lump sum sex.

As can be seen from the above figure, there are 5 options for the payment period of Royal Jinyou Annuity Insurance, which are 3 5 10 12 15 years, and the choice of annual payment period can be said to be relatively rich.

However, if you look closely, there is no single payment option in Royal Gold Annuity Insurance, which is what we usually call "paying all premiums at once".

You should know that this payment method can not only avoid the trouble of continuous payment in the future, but also will not cause late payment or forget to pay.

In addition to Royal Jinyou Annuity Insurance, what other annuity insurance products are worth insuring on the market? Senior sister will tell you in one article:

Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Ping An Insurance of China wealth management insurance varieties:

1. Ping An Wealth respects both insurance (dividend-paying).

2. Ping An Zunyue Life Insurance (Dividend-paying).

3. Ping An Hongxiang Insurance (Dividend-paying).

4. Ping An Outsmart Life Whole Life Insurance (Universal).

5. Ping An Win Deposit Student Investment-linked Insurance.

6. Ping An Group Pension Investment-linked Insurance.

7. Ping An Century Tianjiao Whole Life Insurance (Universal).

8. Ping An Century Talent Investment-linked Insurance.

9. Ping An Jufu Nian Investment-linked Insurance.

10. Ping An Jufu BBK Investment-linked Insurance.

11. Ping An Jinyu Full House Insurance (Universal).

12. Ping An Jincai Life Insurance (Universal).

13. Ping An Huiying Life Group Investment-linked Insurance.

14. Ping An Additional Winning Deposit Whole Life Insurance (Universal).

15. Ping An Additional Jufu Backgammon Insurance (Universal) 16. Ping An Fortune Life Group Annuity Insurance (Universal).

17. Ping An Anxiang Life Pension Insurance (Universal).

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

Ping An's financial insurance is divided into two categories: universal insurance and wedding insurance. But I don't recommend you to buy financial insurance. You can buy ** fixed deposit to manage your finances

There are also some easy-to-use financial insurance companies of Ping An of China, such as Shengshi Jinyue Premium Edition, which is a good financial insurance. Let's take this product as an example to talk about Ping An's financial insurance.

The insurance age range is wide, up to 75 years old can be insured, the payment period is flexible and diverse, and the rules for insurance without socks are still very relaxed, even if the insured amount will be a little higher.

The protection rights and interests are also relatively rich, such as reduced payment, automatic advance payment, etc. It is important to note that the performance of the Frontal Chart is not very good.

For Ping An's financial insurance, Daddy recommends that you consider it carefully, if you have a sufficient budget, want comprehensive protection and increase financial management methods, and pay more attention to the company's brand reputation, you can consider Ping An's insurance.

But if you just want to have a basic protection, daddy recommends shopping around and choosing more suitable products.

The above silver smile is daddy's, I hope it helps.

Ping An Wealth Management Family Investment Insurance is better, and the specific product introduction is mainly based on Ping An Company. There are mainly the following types of Ping An financial insurance:

1.Ping An Wealth Management Treasure Family Oak Stove Investment Insurance:

Ping An Wealth Management Family Investment Insurance is a public wealth management insurance product, and you can not only enjoy accident insurance when you purchase this insurance.

You can also enjoy a comprehensive income of more than 4% per annum.

2.Ping An Life participating insurance.

Ping An Life Participating Insurance is a long-term financial investment insurance that invests six or seven thousand yuan per year until retirement age.

After that, you can receive tens of thousands of yuan every year. At the same time, during the payment time, you can also enjoy insurance dividends every year.

3.Home contents insurance:

Family property insurance is a kind of preventive investment and financial insurance, which mainly protects the loss of personal family houses and indoor property, and can directly enjoy huge compensation in case of theft, fire, etc.

Extended information: Ping An Life's service content, including various insurance contract changes, renewal premium collection services, policy borrowing, insurance claims, claim application form-free services, and life insurance claims settlement in different places.

1. Changes to the contents of various insurance contracts.

An insurance contract is a contract between the policyholder and the insurance company, which has a legal relationship of performing rights and obligations.

If there is any inconsistency, error or change in the content of the insurance contract or related matters, the policyholder shall change or correct it, and obtain the consent of Ping An Life Company and endorse it in the insurance policy.

After the on, the force is activated.

2. Renewal premium collection service.

Ping An Life will send a charge notice stating the amount of premium to be paid or remind the policyholder to prepare the premium before the premium payment date for the renewal of the policy, so that the customer can pay the renewal premium (the premium for the second instalment and subsequent instalments) according to the agreed payment method and date to maintain the continuation of the policy.

3. Policy borrowing.

Buy whole life insurance.

Customers of primary insurance such as savings insurance can follow the prescribed terms if they have paid premiums continuously for more than one year and have accumulated a cash value of the policy.

, you can apply for a loan from Ping An Life within 80% of the cash value of the policy at that time or in accordance with the agreement, so that you can meet the urgent needs of personal or family financial management with simple procedures, no mortgage and no guarantee.

4. Insurance claims.

The policyholder, beneficiary or insured shall make a claim report after learning of the occurrence of the insured event, and Ping An Life shall pay the insurance according to the insurance liability file assumed in the insurance contract after reviewing the relevant materials.

5. Claim application is exempted from filling in the form.

Customers go to the counter to apply for a claim without filling in the claim form.

You only need to explain the relevant information of the accident to the counter staff, and the counter staff will enter and print out the claim application, and the customer can sign it.