How much does it cost to buy Ping An universal insurance at the age of twenty three to get a pension

Hello! If you buy the universal standard insurance amount of Ping An 6000, you will probably have 200,000 yuan in your account at the age of 50, you can receive 10,000 a year, and more than 800 a month.

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Ping An's universal insurance income is uncertain, the guaranteed interest rate is, the actual income also depends on how much you invest, universal insurance is a bottomless pit, the more you invest, the more the income can be reflected. Let's take a look at the pitfalls of Ping An's universal insurance!

Universal insurance is a type of insurance that integrates investment income, death protection, and critical illness protection, with multiple protections under one policy. Insurance companies like to sell this kind of insurance product the most, and the name is beautiful: universal insurance is omnipotent. Even Ping An is highly recommended.

There are many universal insurance products promoted by Ping An, such as Smart Star, Smart Star, Smart Life, Smart Win Life, etc., and the protection content and financial management seem to be quite good. Whether it's really that comprehensive, you can see if you look down?

Let's take the best-selling Ping An Universal Insurance "Outsmart Life" to pick it up.

Let's take a look at its financial management features first.

The main insurance of this insurance is universal whole life insurance, and the main financial means is to give you a universal account, but it is used to increase the amount of value only after deducting the initial cost and protection cost, and the specific amount can be increased is uncertain, but it will still give you a guaranteed interest. What is the concept, the interest rate of Yu Bao is about now.

If you want to know how to deduct the initial cost and guarantee cost, this explanation is a little more talkative, you can take a look at my original review of this product:"There are still these untold secrets in the safe [outwitting life]".

Let's talk about its safeguard function.

There is no mild illness in the coverage of critical illness insurance, for example. For example, if you have chronic renal dysfunction, the insurance company will not pay a penny, and will not pay you until it becomes end-stage renal disease. Most critical illness insurance products include mild illness coverage, and the payout ratio can be as high as 50%.

I'm not talking nonsense, just look at these popular critical illness insurance in China:"Comparison Table of 136 Popular Critical Illness Insurance in China".

The water of universal insurance is very deep, I do not recommend ordinary families to buy universal insurance, the protection of universal insurance is very limited. It is recommended that you honestly buy critical illness insurance, life insurance, etc., which are specifically designed for a kind of insurance that protects the reverse.

That's all I have for this issue, I hope it will be useful to you. Hope!

2015 Taikang Xinxiang life shocking listing! Instant payment + pension increment + guaranteed return to principal + annual dividends + self-exempt + monthly compound interest appreciation + guaranteed income + on-demand payment + add-on + tax-free inheritance Xinxiang Life Product Overview.

Taikang Xinxiang Life Insurance Plan - consists of "Taikang Xinxiang Life Annuity Insurance (Participating)" and "Taikang Additional Positive Growth Annuity Insurance (Universal)". The survival pension is paid and received, the pension increases year by year, and the birthday pension is the cumulative premium, and after receiving the longevity pension, continue to receive the longevity pension until the age of 99, and you can also enjoy annual dividends. The above-mentioned fixed annuity and annual dividends automatically enter the universal account with monthly compound interest and value-added, realizing the perfect combination of fund security, liquidity and profitability, and its planning function is more prominent, the application is more flexible, and it effectively helps customers complete life goals such as education, marriage, pension and inheritance.

Five highlights of the new product.

1. Pay immediately, you can receive 10% of the sum insured after a 10-day cooling-off period (10% after 1 year), and return 10% every year until the age of 60.

2. At the age of 60, the amount of insurance increases year by year, and the pension is 10% of the amount of insurance after the increase of the amount of insurance until the age of 99.

3. The return of principal at the age of 80 is written into the terms.

Fourth, the universal account is guaranteed for life, and you can receive it at will after 3 years without handling fees.

5. Exemption for the policyholder + additional critical illness + malignant tumor, protection and care.

Xinxiang life operation mode.

1.With only one investment, there are two cash flows: fixed returns and cash dividends.

2.After the underwriting hesitation period, the money will be paid, and 10% of the insured amount will be returned to the survival fund, and the pension will be returned every year until the age of 59 or 60, and the pension will be increased every year. Until the age of 80 and 80, the premium paid will be returned as a birthday payment, and the annual increase in longevity will continue to be returned until the age of 99.

3.Enjoy a cash dividend of not less than 70% of the distributable surplus of the policy every year.

4.Fixed returns and cash dividends are automatically entered into the universal account with monthly compound interest, so as to realize the re-appreciation of funds.

5.In general, it has three main functions:

The first is the compound interest and value-added function, so that the wealth can be maintained and increased;

the second is the on-demand collection function, which can be used for life planning such as education, pension, and wealth inheritance; The third is the protection function, which not only protects the security of wealth, but also protects the risk of life, if the insured dies, the universal account will also be used as the beneficiary of the claim payment, and it also comes with the policyholder's premium waiver. You can consider a pro

If you are so young, by the time you are 50 years old, you will lower your sum insured, and the cash value will be very high.

Ping An universal insurance is a lifelong consumption of insurance, I don't know your payment situation, if it is a short-term payment, to the age of 55, there should be little left.

Hello, we are all about the same age, why do you choose insurance and financial management, now buy to the 50s and the preliminary calculation of at least 3,000 yuan per month, the sooner you buy this insurance, the better.

Hello, depending on how much you pay the annual premium, how much is the amount of insurance, and the cost of protection is different for different ages, you can demonstrate the benefits on the marketing website.

Hello, depending on the amount of insurance, the amount of insurance is high, and the cost of insurance will be a lot! In addition, universal insurance implements natural rates, and the cost of protection in the later stage will be very high! If you are simply thinking about retirement, there are many financial insurance policies worth considering, after all, you are very young ......Hope mine can help you, thanks!

It depends on the specific amount of insurance you purchase, the number of years of payment, etc., if you want to consider the pension in the future, it is recommended to buy annuity products.

If you are so young, you can consider buying a Ping An Fu with annuity insurance, which always has the greatest protection and prevents old age at the same time.

Hello, if you want to receive money at the age of 50, you can choose Xinxiang, and you can get back the principal and interest at the age of 65, as well as critical illness protection.

It depends on how much it is guaranteed! Because if the amount of universal insurance is good, the cost of protection in the later stage will be high! It is better to buy the universal upgraded version of Ping An Fu, and the most comprehensive protection.

Hello, if you want to use this universal insurance to manage your finances, you don't need protection, if you need protection, you have to pay for life.

It depends on how much you can pay in a year?

Hello, take a look at the red of the Pacific Ocean to meet your wishes.

Summary. The social endowment insurance for urban residents is an endowment insurance system covering non-employees with urban household registration, and together with the endowment insurance system for urban workers and the new rural social endowment insurance system, it constitutes China's social endowment insurance system. The system has two salient features:

The funds are divided into two parts: individual payment and subsidy; The pension consists of two parts: personal account pension and basic pension.

Dear, what you are talking about is the pension insurance for urban residents.

The social endowment insurance for urban residents is an endowment insurance system covering non-employees with urban household registration, and together with the endowment insurance system for urban employees and the new rural social endowment insurance system, it constitutes China's social endowment insurance system. The system has two outstanding special friend points: two parts: funds and individual contributions; The pension is composed of two parts: the personal account pension and the basic pension.

Summary. Dear, the answer to this question is: you can receive 420,000 yuan.

If you buy annuity insurance of 300,000 yuan at the age of 50, you can receive 420,000 yuan at the age of 60 according to the annualized rate of return of 4%, of which the principal is 300,000 yuan and 120,000 yuan is income.

Moreover, many insurance companies provide annuity insurance, and the insurance rate of return and terms of each insurance company are different, so you can choose an insurance company according to your actual needs.

And dear, if you still have any questions that you don't understand, you can always ask me questions!

How much can you get at the age of 50 to buy annuity insurance for 300,000 at the age of 60.

Dear, the answer to this question is: you can receive 420,000 yuan. At the age of 50, you can receive 420,000 yuan at the age of 60 if you buy annuity insurance for 30 years, and 120,000 yuan is income.

Moreover, many insurance companies provide annuity insurance, and the insurance yield and terms of each insurance company are not the same, so you can choose an insurance company according to your actual needs. And dear, if you still have any questions that you don't understand, you can always ask me questions!

If you don't take out the principal income at one time, you can get 8% of the insured amount every year, that is to say, you can get a pension of 10,000 yuan every year.

If you don't take out the principal income at one time, you can get 8% of the insured amount every year, that is to say, you can get a pension of 10,000 yuan every year.

Hello Yi Zhijun! There are several types of Ping An's universal insurance, I don't know which one you are buying.

You ask if you can get the money out after the universal insurance is paid, yes. Because universal insurance has a universal account, part of the money in the premium you pay will go into this universal account, there will be interest, plus the money added in the future, after a few years, the money in these universal accounts will be more and more.

And of course, don't be too happy, hehe.

1) Universal insurance needs to deduct the initial cost, risk management fees and many other expenses, this product should deduct 50% of the cost in the first year (I when you buy this product is Zhiying Life, the specific type of insurance can add me Huixin chenjh33), you pay 4190, first deduct 2095 into the universal account, to rely on the back of the interest rate + the money paid every year in the future, the bigger it rolls, the value of the personal account of the policy in the first few years will be very low, all if the surrender loss is very huge.

2) Expenses for protection, critical illness and death will also be deducted every year.

After 10 years, if you take it out (I understand that you surrender the policy), you have to see how much money you have in the universal account, it may be that you pay more than you paid 41,900, or it may be less.

The most important thing is what is the purpose of buying insurance, before buying insurance, you must do a good job of risk calculation, that is, you must know how big your risk is, and the plan designed for the risk amount is effective, and you will no longer be entangled in a certain type of insurance.

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

Male or female, how much is it to keep.

In the case of economic prosperity, you must choose universal insurance.

However, the specific planning of the almighty needs to depend on the professionalism of the people.

1.The range of choices is relatively wide for the appropriate age of purchase.

2.The expenditure of family premiums should be 10%-15% of the annual family income, and the sum insured should be set at 6-10 times the annual income. However, it should be analyzed on a case-by-case basis.

5.Under the premise of social security, plan commercial insurance, with a focus on accidents and critical illnesses. Social security and commercial medical insurance, can not be reimbursed repeatedly, remember.

6.At the same time, pay attention to the security of family members, protect the people around them as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.

7.It is important to prioritize the protection of the main income earners of the family as much as possible.

8.Recommended: Ping An Talisman Participating Insurance, Ping An Universal Insurance, Ping An Fu Whole Life Insurance.

9.My personal advice is to communicate extensively and effectively with ** people, after all, face-to-face communication is the most direct and effective. If necessary, you can also directly call the customer service of the relevant insurance company** for verification and consultation.

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

Ping An Inclusive Loan is a credit product designed for small and medium-sized enterprises to help them obtain financial support to achieve business development. The product was launched by Ping An Insurance Group of China, and cooperated with a number of financial institutions to provide loan services for small and medium-sized enterprises.

1. High loan amount: Ping An Pratt & Whitney Loan has a high loan amount of up to 5 million yuan, which can meet the capital needs of small and medium-sized enterprises.

2. Fast disbursement: Ping An Puhui Loan has a fast loan speed, and the review can be completed within 7 working days after receiving the application materials, and the funds can be received in time.

3. Low cost: The cost of Ping An Puhui loan is relatively low, the loan rate starts from the beginning, and the loan term can be selected from 1-5 years, which can be flexibly selected according to the actual situation of the enterprise.

1. Enterprise type: Ping An inclusive loans are mainly aimed at small and medium-sized enterprises, including individual industrial and commercial households, small and micro enterprises, etc.

2. Business license: The enterprise must have a valid business license, and the business scope on the business license must be consistent with the business scope of the loan application.

3. Enterprise qualification: the enterprise must have a stable operating income, the enterprise operation must meet the regulations, and the enterprise must be financially sound.

1. Prepare materials: Enterprises need to prepare business licenses, business scope certificates, enterprise financial statements, enterprise qualifications and other materials.

3. Submission of materials: Enterprises need to submit the completed application form and prepared materials to Ping An Puhui Loan for review.

4. Approved: Ping An Puhui Loan reviewers will review the materials submitted by the enterprise, and will release the loan money to the enterprise account in a timely manner after the review is passed.

There are two repayment methods for Ping An Puhui Loan: one is equal principal and interest repayment, that is, the monthly repayment amount is equal; The other is equal principal repayment, where the monthly repayment amount decreases month by month. Enterprises can choose the repayment method that suits them according to their actual situation.

Ping An Inclusive Loan is a credit product specially designed for small and medium-sized enterprises, with high loan amount, fast disbursement and low cost, which can meet the capital needs of enterprises, and the application conditions are relatively relaxed, which is a good choice for small and medium-sized enterprises to obtain financial support.