About Pacific Dividend Insurance, less than half a year, how much money should be deducted if it is

Founded in 1991, CPIC is the big brother of the insurance industry and has been selected as one of the world's top 500 companies for eight consecutive years with its strong strength. Regarding the evaluation of Pacific Insurance Company, there are three main questions:

1.How cost-effective are CPIC's products?

There are many products under the Pacific Ocean, Jinfu Life, Happy Million, Children's Super Energy Treasure Auspicious Life, Wealth and Wisdom Win-Win are its main promotions, I spent a week studying the products of Pacific Insurance and sorted out one"List of the Seven Best Products to Buy in Pacific Insurance".

I suggest you click on it and take a look.

2.How does CPIC perform in terms of service levels?

In order to provide consumers with a standard, the China Banking and Insurance Regulatory Commission (CBIRC) has rated the services of insurance companies according to indicators such as complaint rate, claims service, and business handling efficiency, with AAA rating being the highest and D rating being the lowest.

The service ratings of Pacific Insurance are as follows:

Pacific Life has a rating of AA and is performing well. However, the rating changes every year, and next year will be different.

3.Is Pacific Insurance reliable?

Some people are worried that Pacific Insurance is unreliable, probably because they are worried about not making claims after buying insurance. This is easy to do, and the higher the ranking, the more reliable it is. I vomited blood before I sorted out a following:

The latest version of the top 10 insurance company list!

You can take a look at the ranking of Pacific Insurance.

That's all for me"About Pacific Dividend Insurance, less than half a year, how much money should be deducted if it is refunded? "All, look!

Hello. I am a salesman of Pacific Insurance Company and I am happy to serve you. You don't have to worry too much.

Financial crisis? You should understand positively, and listening to others is not objective. And the insurance company will not go out of business, which is clearly stipulated by the law of the country, and only mergers are allowed.

First, since the insurance is effective, it has legal effect, and you will not be unable to get money. And once the policy is surrendered, there will be a large loss, and the policy will have the cash value corresponding to the number of years of insurance, which is how much money you will return when you surrender the policy. Second, I don't know which product you are buying.

You can consult 95500 in detail. Third, what you buy should be a dividend-paying wealth management product. Dividends are inherently uncertain.

But an in-depth understanding of the size and strength of Pacific Insurance, as well as the earnings and customer returns of the last 5 years, should help you feel more confident. So, please rest assured, rational choice, rational analysis!

Hello. First of all, all commercial insurance companies, both domestic and foreign, are likely to fail. There are actual cases abroad, but there are no domestic ones.

The current state system is that if an insurance company fails, then the state will entrust another insurance company to take over all the business of that company. The insurance industry is relatively special, and it is related to many interests of the people and social stability, so in case of bankruptcy, the state will come forward to manage it. According to the Insurance Law, "an insurance company engaged in life insurance business shall not be dissolved except for division or merger".

At the same time, "if an insurance company engaged in life insurance business is revoked or declared bankrupt in accordance with law, the life insurance contracts and reserves held by it must be transferred to other insurance companies engaged in life insurance business; If it is not possible to reach an agreement with other insurance companies, the insurance company designated by the financial supervision and administration department to operate life insurance business shall accept it." You can take a look at the original article or related news reports in the "Measures for the Management of Insurance Protection", and then say that Pacific Insurance is one of the top 3 commercial insurance companies in China, and the investment projects have large savings; national infrastructure; debt investment; New energy investment and other projects that can be said to be sure to make a profit. You can rest assured that you will go out of business.

The disadvantage of participating insurance is that it has low protection and low cash value, and now you will get very little cash value if you return it. Especially in the first year, the current price is very small. Generally less than 10% of the premium paid.

So I suggest you don't retreat and think twice!

First of all, I can tell you clearly that insurance companies are not allowed to go bankrupt, and Pacific Insurance is the third largest insurance company in China, and it is unlikely to go bankrupt. Let me tell you about the insurance you bought, because I don't know which type of insurance you are buying, but it must be a bancassurance product. As long as you fulfill it in accordance with the contract, there will definitely be dividends, but it is just a matter of how much, like last year, this dividend was the highest in the industry last year.

We are generally able to give customers mid-range dividends, even if it is a financial crisis, low-grade dividends are definitely guaranteed. The protection product is not better than bank deposits, withdraw the maximum loss point interest in advance, because there is a guarantee function, early surrender not only does not pay dividends, even the principal will have a certain loss, if you have the ability to pay, it is recommended that you do not surrender the insurance, after the expiration of the contract we will definitely perform in accordance with the contract!

According to Article 15 of the Insurance Law, "Except as otherwise provided in this Law or otherwise agreed in the insurance contract, after the conclusion of the insurance contract, the policyholder may terminate the contract, and the insurer shall not terminate the contract." Therefore, you have the right to choose to surrender the policy, but it is recommended to consider the following issues before making a decision: 1. There is a loss in surrendering the policy after the cooling-off period.

It has been half a year since the policy was applied, and after the cooling-off period, the premium paid cannot be refunded in full, and the policy can only be surrendered according to the cash value. What is the hesitation period? For some types of insurance with a cooling-off period, the period of time after the policyholder receives the insurance contract and signs the receipt in writing, is generally 10 days.

During this period, the policyholder can apply for termination of the insurance contract, and the insurance company will only deduct the cost of not more than 10 yuan. After the cooling-off period, the insurance company will only refund the cash value of the policy, i.e. the balance of the insurance premium paid by the customer to the insurance company after deducting the insurance intermediary's commission, policy issuance cost, management fee, tax and other expenses. Obviously, surrendering the policy after the cooling-off period is a significant loss for the customer.

2. It is not possible to purchase insurance at the same premium after surrendering the policy. At the same time, as people get older, their physical condition may not be as good as before, and if their physical condition affects the coverage, they may be required to increase the underwriting, or postpone, or even refuse to cover.

Hello, the financial crisis will not have much impact on the insurance company, insurance investment is the safest and most stable, the insurance law stipulates that life insurance companies are not allowed to go bankrupt, so you don't need to worry about this problem, in addition to the dividend is once a year, not once every four years, if you choose to surrender the loss will be very large Insurance companies have a wide range of investment channels, generally some countries infrastructure investment, risk investment accounted for a small proportion, to put it in layman's terms, As long as the bank pays back the interest, you will have dividends, but the dividends are uncertain Reference: Top 10 Keywords for Investment and Financial Management in 2011 What is financial management.

Hello, the Insurance Law stipulates that companies that operate life insurance are not allowed to dissolve and go bankrupt. So you don't have to worry about the insurance company. That is, the second financial crisis will have no impact on your principal, at most your dividends will be relatively low.

If you want to surrender the policy now, you may get back up to half of what you paid.

The surrender agreement for the first year is only 70% of the principal, and the cash value table of the contract has detailed reference data! You can apply for a full surrender within 10 days of purchase!

According to the provisions of China's insurance law, the salesman should explain the surrender and income in detail when the customer handles it at that time, otherwise it is a phenomenon of misleading customers in violation of regulations and will be terminated by the company!

Surrender: The policyholder can bring his ID card, insurance policy, and savings card to the counter to fill in the surrender application!

If you buy participating insurance, even if the financial crisis comes tomorrow, rest assured that you will still get your money, but it is possible that the dividends will be less than expected, and other cash returns and cash value will not be less than yours. Do not surrender the policy, there will be a great loss, if you need money urgently, it is recommended to take out a policy loan.

Hello, it is a pleasure to serve you, about your question consultation, now some people are always worried about the question of whether the insurance company will fail while buying insurance, this worry is not necessary. First of all, "according to Article 87 of Chapter 3 of the Insurance Law of the People's Republic of China, an insurance company engaged in life insurance business shall not be dissolved except due to division, merger or revocation in accordance with law. Chapter IV Article 106 The use of funds by insurance companies must be prudent and follow the principle of safety.

The use of funds by insurance companies is limited to the following forms: (1) bank deposits; (2) Buying and selling bonds, **, **investment**shares, etc.; (3) Investing in immovable property; (4) Other forms of use of funds as provided. The specific management measures for the use of funds by insurance companies shall be formulated by the insurance regulatory authority in accordance with the provisions of the preceding two paragraphs.

If you have purchased participating insurance, the insurance company should distribute at least 70% of the distributable surplus of the participating insurance to customers every year, according to the CIRC regulations. The reason why you choose to surrender the policy is that you have doubts in your heart, I believe you can rationally analyze the problem, I hope I can help you!

Hello. Rest assured that the insurance company will not go bankrupt, it will only merge, and if you surrender the policy, you will return the cash value, so there will be a big loss! It is recommended not to return, please call the customer of Pacific Insurance Company for consultation!

Hello years of economic crisis, the United States ** gave up Lehman Bank, saved the insurance company, so even if the economic crisis comes, there is no need to panic to put the insurance company's money, but should be happy, because no matter which country, the insurance company is the social stabilizer, and the state will give priority to protection and support. 2. The Insurance Law stipulates that insurance companies are not allowed to go bankrupt and can only be merged. 3. There is nothing special in the economy, don't return, you will lose.

Now you can only take the cash value on the policy. Specifically, you can call the service on the policy**, consult a lot, or QQ me.

Hello friend, I understand your worries very well, who did you hear say that the second financial crisis is coming? How I haven't heard of it, you don't have to worry. You look at the cash value of the policy, there is a detailed number, such things happen a lot, most of them are some friends who don't understand, you can call the ****95500 of Pacific Insurance to learn more.

I wish you happiness and peace.

Article 89 of the Insurance Law stipulates that an insurance company engaged in life insurance business shall not be dissolved except due to division, merger or revocation in accordance with law. If it is a financial crisis and the insurance company is affected, the dividend may be less than expected, and the interest received is at least higher than that of the bank.

Hello. Now that you have been insured, it is recommended that you do not surrender the policy, otherwise your loss will be very large, and the insurance law stipulates that companies that operate life insurance are not allowed to dissolve and go bankrupt! Put your heart in your belly!

Wishing you happiness and good health! Dedicated to you! Hand in hand to enhance the value of life!

Hello. Thank you for your support! The inverted bank insurance product you bought, since you have been insured, it is recommended that you do not surrender the insurance, otherwise your loss will be great, you can rest assured, the insurance company will not, you can call the ****95500 of Pacific Insurance to learn more.

Hello. I'm Xiao Guangzhen from Taikang Life Insurance Company, and I'm happy to serve you. Please rest assured that the insurance company will not go bankrupt, only by being merged, your money can be returned, because it is a dividend-paying product, if the economy is in a recession, but the dividend will be relatively less, and the rest will not change.

It is recommended that you do not surrender the policy, the surrender loss is serious, I wish you a happy life.

Hello: You don't have a sense of crisis that the company will go bankrupt, the state has clear regulations that it cannot go bankrupt, only mergers. If the life company goes bankrupt, the people will definitely rebel and the country will be in chaos, so the state will take charge.

If you are worried about the second financial crisis, you can take a look at the dividend statement of the Pacific over the years, the global financial crisis in 08, the dividend of the Pacific also has 5%, and the distribution surplus is 100 million, accounting for 75% of the company

Hello, first of all, the insurance company does not allow bankruptcy, don't worry about that. Second, you will lose money by surrendering the policy, and you can see how much you can lose by looking at the cash value of the policy. Third, you can go to its insurance company to learn more about your own things, or it is better to take a closer look.

If you withdraw now, you will lose a lot! This is equivalent to default, and there will be no loss of the money you have saved, even if you say that the financial crisis is coming, there is no loss of your principal, but you have a relatively little less interest for you.

Article 86 of the Insurance Law of the People's Republic of China stipulates that an insurance company engaged in life insurance business shall not be dissolved except for division or merger. There is a loss in surrender. It is recommended to pay it according to the number of years agreed in the contract.