What are the benefits of PICC Life Insurance Jinding Wealth Insurance Participating Type Section

It depends on when you bought it, if it is after May this year, it is the Jinding C after the paragraph, simply put, the benefit is that the income is slightly better than the bank deposits in the same period, generally this year's Jinding C is in accordance with the one-year sales income above; In terms of protection, it is twice the death or total disability benefit.

PICC Life 2011 out of the bancassurance products, 5 years of maturity, annualized guaranteed income, on average every year to calculate the annual rate of return of dividends, absolutely not as good as five-year time deposits, the protection is very low, the protection is not as good as directly buy term life insurance cost-effective, the only use is to transfer assets.

Xueba talks about insurance, focusing on insurance evaluation! Comparison of 35 participating insurance products with other popular 101 critical illness insurance products35 participating insurances competed with 101 mainstream critical illness insurance, to friends who know this article.

Many people buy insurance in a confused and inexplicable state to buy insurance, dividend insurance is one of them, the reason is because you haven't really understood, let's take a closer look:

Participating insurance refers to a wealth management insurance product in which the insurance company invests part of the customer's premium, and distributes the investment income to the policyholder according to a certain amount after deducting the cost.

Participating insurance is more popular with consumers because it has both protection functions and annual dividends, and the question is, is participating insurance really so good? In fact, the protection function of participating insurance is very weak, and the income is not satisfactory.

That's because customers don't know these two characteristics of Fu Dividend Insurance:

Clause.

1. The amount of dividends you can get is closely related to the situation of the insurance company, and the worst case is that there are no dividends in the current year.

Second, the dividend pool is not transparent.

The existence of these two characteristics makes the dividends that customers can get an unknown, and it makes the dividend insurance a type of insurance with a high complaint rateParticipating 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"What are the benefits of PICC Life Insurance Jinding Wealth Insurance (Participating Type) (Section C)."All, look!

Hello! There is an introduction to Jinding Fugui C in the sunflower insurance network, which is very clear. To put it simply, it takes into account financial management and accident risk protection.

Life Insurance, Golden Tripod Wealth, Wealth and Wealth Insurance Dividend, the annual dividends will be paid to the account.

Participating insurance is a type of insurance in which policyholders can share in the operating results of the insurance company, and the policyholder is entitled to receive a dividend distribution based on the operating results of the insurance company every year. To put it simply, it is to share the dividends and enjoy the company's operating results.

The dividends of participating insurance** are the "three difference income" of the life insurance company, namely the difference in death, the difference in interest and the difference in fees. The distribution methods of dividends mainly include the cash dividend method and the increase dividend method, the two surplus distribution methods represent different distribution policies and dividend concepts, reflecting different transparency and fairness of connotation, and the impact on the share of policy assets, liability reserves and cash flow of life insurance companies is also different, so from the perspective of safeguarding the interests of policyholders, life insurance companies should be very cautious about the formulation and change of dividend distribution methods, and pay attention to the reasonable expectations of policyholders. To implement the principle of integrity management and fairness of dividend distribution, it is necessary to fully consider the impact of dividend distribution on the company's future dividend level, investment strategy and solvency.

Participating insurance is a wealth management insurance product. Those who purchase participating insurance can also share the operating results of the insurance company in the form of dividends while receiving death benefits and survival benefits.

The distributable surplus of the participating insurance** is the difference between the insurer's hypothetical mortality, return on investment and expense ratio and the actual difference. For example, there may be situations where the mortality rate of the actual insured population is lower than the hypothetical, or the actual investment return is higher than the hypothetical return.

These differences make the insurance company generate a certain surplus, which is the distributable surplus of the participating insurance.

The China Insurance Regulatory Commission stipulates that insurance companies should distribute at least 70% of the distributable surplus of participating insurance to customers every year. There are two ways to distribute dividends: cash dividends and incremental bonuses.

Cash dividends are dividends that distribute the surplus directly to policyholders in the form of cash. Incremental dividends are dividends that are distributed annually in a way that increases the sum insured throughout the term of insurance. At present, most insurance companies in China adopt the form of cash dividends.

Under the distribution method of cash dividends, dividends can be received in a variety of ways: cash, interest accumulation, premium payment and purchase of top-up insurance.

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