After 20 years of children s peace and happiness, can they return the full amount?

Children's peace and happiness is a toWhole life insuranceforPrimary InsuranceCritical illness insurancewithAccident insuranceforRidersThere are also n optional riders. If the insurance is out before the expiration date, then the coverage ends. If you want to receive the money in advance, you need to surrender the policy, but you can only refund the cash value.

Since the subject talks about children's peace and happiness, then I will give you a brief introduction to this product.

Pros:

1) High brand awareness: Ping An is a well-known brand with many branches, and offline services are very convenient.

2) Adequate illness protection: 3 claims for minor illnesses, 100 types of critical illness benefits, and 15 types of children's specific disease benefits, which can be paid nearby.

3) Critical illness protection can be increased: Before the age of 70, the critical illness benefit will be increased by 20% for each mild illness, up to a maximum of 60%.

Cons:

1) The premium is expensive: 0-year-old babies have to buy at least about 6,000, which is very stressful for ordinary working families.

2) Low compensation ratio for mild illness, no compensation for moderate illness: Many critical illness insurance companies on the market have a compensation ratio of 25%-30% for minor illness, while the compensation ratio for children is 20%, which is slightly lower.

3) The proportion of compensation for specific critical illnesses for children is small: except for leukemia, all other diseases are paid with 1 times the sum insured, while many products on the market pay double or even triple the compensation for specific critical illnesses for children, which is more adequate.

In general, Children's Ping An Fu is not cost-effective for ordinary families, but if you have sufficient premiums and have a soft spot for the brand Ping An of China, you can also buy it.

Full payment cannot be returned.

According to the official information of Ping An Insurance Company, the annual premium of Ping An Fu for children in the 20-year policy year is 7,989 yuan, the total payment is 220,320 yuan, and the cash value is 100846 yuan.

Based on this calculation, the rebate is less than half of the total contribution.

No. Children's Ping An Fu is a protection type of children's insurance product, Ping An Fu is a blessing composed of the word Ping An, created by Mr. Lu Guoming.

"Peace is blessing", which is a high level of human awareness of peace for thousands of years. "Peace and happiness" has a long history. The ancient Chinese character "禔" may be the source of "peace and blessing", "Yi" said:

In the Qing Dynasty, the plaques of the major foreign government offices still used "Chinese and foreign blessings", and the "five principles of peaceful coexistence", which plays an important role in international relations today, still have this connotation.

Folk and many religions also say that the sacred relics that are blessed with a certain aura are called "peace charms". Because there is no "Fu" character with the theme of "Ping", the ancients expressed the auspicious meaning of "Ping'an Fu" in the form of Ruiying: paste the word Fu on the bottle, and take the homonym of "Ping (An) Fu" of "Bottle (Ping)"; The peony is painted on the bottle, which means "wealth and peace" and so on.

Heshun is a hundred blessings, and the word "peace" is worth a thousand gold", and the couplets that circulate among the people highlight the importance of peace and happiness in people's lives.

The word "peace and blessing" makes the prayer of "peace is blessing" that has been passed down through the ages come true, and allows people to place their wishes on peace and blessing with Chinese characters.

The word "Ping'an Fu" is the word "Fu" made of the word "Ping'an", and the word "Fu" contains the word "and", and the four characters of "Ping'an, He, and Fu" are one, which is completely in line with the Chinese characters and calligraphy standards, and is really the eternal fate of Chinese characters. Since then, "The Prosperity of China" has become another "Fu" character composed of multiple Chinese characters after the "First Blessing in the World" of Emperor Kangxi, which is known as "the wonder in the history of Chinese characters".

No. This is a type of insurance that takes life insurance as the main insurance and adds additional risks such as critical illness and accident. The most important purpose is to guarantee.

The 20 years you are talking about refer to the payment period, not the guarantee period. The protection period of the main insurance life insurance and the supplementary insurance critical illness of Children's Ping An Fu is lifelong, and the payment period and the insurance period are two completely different concepts. Many people confuse the premium payment period with the insurance period, thinking that since it is a refundable insurance, the premium can be refunded when it is paid.

That's just a misunderstanding.

The so-called returnable capital is based on the "cash value" of the surrender policy at that time. Taking the 20-year payment period as the point of view, the cash value of the general critical illness insurance is equal to the premium (capital protection), which is about 30 years, because the rate of Ping An Fu is relatively high, and Ping An Fu can only protect the capital for more than 30 years or even 40 years. So, you can take a look at the cash value of the insurance you are buying, of course, it is more complicated, it is a combination of several types of insurance, and you need to add up the cash value of those types of insurance.

I don't know if you bought this children's peace blessing? If not, here's an improvement for you:

In contrast, there are more guarantees in all aspects, and most importantly, ** is about 3,000 yuan cheaper. These 3,000 yuan is real gold**, which is the best way to increase the protection of parents. If the policyholder is the father of a 30-year-old child, you can buy the following coverage, covering the heaviest 30 years of family liability:

Some people want to say that Ping An is a big company, in fact, to put it bluntly, it is really big. AIG, the original parent company of AIA, went from being the 18th largest multinational company in the world to being delisted, but was it just the same year?

Besides, no matter how big the company is, no matter how good the service is, can the 400,000 insurance amount you buy compensate you for 700,000? This is called "service is not a substitute for terms".

Therefore, buying insurance must be considered rationally.

I hope it helps.

Ping An Children's Ping An Fu is a protection product, the main insurance and critical illness are guaranteed for life, long-term accidents are insured until the age of 70, if you want to take out the money halfway, there are two ways: one is to apply for a policy cash value loan, loan out, and then you can repay, the policy continues to be effective, and the protection is not affected; The other is to surrender the policy, which refunds the cash value of the policy, once the policy is surrendered, it means that the contract is terminated and there is no protection. The cash value of protection products is generally not high, and there is no return to the principal after payment, so it is obviously not very cost-effective to give up protection in order to surrender the policy.

Extended information: 1. Introduction to Children's Ping An Fu Insurance.

Main Insurance: Children's Ping An Fu Whole Life Insurance. The insurance is guaranteed to return the premiums paid in the event of death before the age of 18; Basic sum assured for death after age 18.

Additional children's Ping An Fu pays critical illness insurance in advance. There are 10 types of critical illnesses, 45 types of critical illnesses, and 8 types of minor illnesses specific to children, which are paid independently, and the total amount is up to multiple of the sum insured.

Additional Children's Long-Term Accident Insurance. accidental death and disability; Self-driving public transport accident death (double indemnity) or dismemberment.

Additional children's term life insurance. Death benefit.

Additional Pediatric Illness Companion Payment. Monthly compensation for children's specific critical illnesses, critical illnesses, and minor illnesses.

Additional Exemptions. Both parents and the child are exempt from liability.

2. Is it worth buying children's peace and happiness?

Children's Ping An Fu is a combination of whole life insurance + critical illness early payment + accident insurance + waiver, because the premium expenditure is higher, so it takes the high-end product route. For families with better economic conditions, children's peace and welfare are still worth buying, because the protection is more comprehensive. For families with average economic conditions, children's peace and welfare are not cost-effective, and can be replaced by other products.

3. What are the advantages of children's peace and happiness?

In 2019, Children's Ping An Fu was upgraded, and its advantages were: the number of mild diseases increased to 30, the number of critical illnesses increased to 100, and the number of specific children's diseases increased to 15; Provide protection such as escort allowance and double compensation for children's leukemia; Premium waivers can be attached. It can be seen that the main advantage of children's safety and welfare is to provide children with more comprehensive protection, which mainly includes death, illness, accident, medical treatment, etc.

4. Disadvantages of children's Ping An Fu insurance.

The insured of Children's Ping An Fu can receive up to 7 claims in the case of illness, but if the insured first occurs 100 major illnesses (excluding malignant tumors) as agreed in the contract, he or she cannot receive compensation for 15 specific critical illnesses (1 mild critical illness (3 times) and malignant tumors (2 times). In addition, the basic insurance amount of the main insurance contract will be reduced by the same amount due to the critical illness insurance benefits paid.

Hello answer, happy to answer your questions. First of all, you need to understand that Children's Ping An Fu is a critical illness insurance that includes death. In other words, the sum insured will be paid only after the insured suffers from a critical illness or dies as agreed in the contract.

If you have paid for 20 years and want to withdraw the principal, it is equivalent to surrendering the policy, and the surrender amount is equal to the current cash value of your policy (the cash value can be simply understood as how much the policy is worth, which is generally reflected in the insurance contract).

You can check the cash value table, the amount corresponding to the year is the surrender amount, you ask this question, is it that you have already paid the number of years and have the intention to surrender?

I have been asking questions for 4 years, and I want to surrender the insurance, but I don't know how much I can refund.

8,000 a year, I don't know how much I can return.

Answer: Yes, you should understand that there is a loss in surrendering the policy, and you can only return the cash value of the corresponding year, and will not return the entire premium, and the specific amount of refund depends on the cash value corresponding to the 4th year of the advanced value table of your contract. Do you want to surrender the policy, do you think the product is not cost-effective, or is it a pressure to pay too much every year? This side can give you a better suggestion according to your situation.

Asking questions is a lot of pressure every year.

Okay, thank you.

Ping An Fu is a guaranteed type, and you can check the cash value in the plan after 20 years. I have never heard of anyone who wants to redeem the principal after paying it, and they generally have a sickness insurance claim and pass it on to their children after they die without illness.

Hello, no, generally 35 years.

Why would a lifelong insurance policy want to get the principal back?

1. Children's Ping An Fu is a consumer-oriented lifelong critical illness insurance, with a payment period of up to 20 years and 20 years of payment, if the insured does not have a critical illness claim and is still alive, the insurance company does not provide return liability, and the protection continues, if you want to get the money, you can only apply for surrender and get back the cash value of the current policy.

2. Under normal circumstances, Ping An Fu cannot get money after 20 years, because Ping An Fu is not a participating insurance. If the insured does have a financial need, he or she can consider surrendering the policy, and after surrendering the policy, he can get the cash value of Ping An Fu. Ping An Fu is a protection type of insurance, which will not return the principal, and Ping An Fu provides comprehensive protection for the insured, which is a whole life insurance product.

Under normal circumstances, except for annuity insurance, participating fixed amount whole life insurance, return-type critical illness insurance, return-type comprehensive insurance and other insurances, the rest of the insurance will not return the principal.

3. There is no clause in the Ping An Fu insurance contract for the return of the principal. During the insurance period, if the insured suffers a serious illness, minor illness, death, etc., Ping An Insurance Company will pay the insurance benefits in accordance with the insurance contract. The premium paid by Ping An Insurance is greater than the premium paid by the insured.

Insurance products are not wealth management products, and most of the insurance products that can return the principal have financial management functions.

4. Children's Ping An Fu Insurance is a protection product, and if you want to withdraw money from a protection product, one is to apply for a policy cash value loan, and the other is to surrender the policy and return the cash value. Generally, a precondition is required for a 20-year refund of premiums, that is, no risk can occur during the 20-year period. In addition, the money returned after 20 years is not the premium we paid, but the cash value returned by the insurance company that we need to surrender the policy, and there will be a cash value table in the insurance contract, if the cash value after 20 years is less than the premium paid, then it is equivalent to no refund of the premium.

It is understood that the protection of this critical illness insurance includes 100 kinds of critical illnesses, 50 kinds of mild diseases, 15 kinds of children's special diseases, death benefit and insurance benefits and insured's exemption, and the lack of moderate illness and policyholder exemption.

Knowledge quiz - I love the card5 days agoChildren's Ping An Fu Insurance cannot withdraw money after 20 years, and the premium will not be refunded when it expires.

It is not possible to withdraw money by paying for 20 years according to the survey.

Children's Ping An Fu 20 protection is basically comprehensive: Children's Ping An Fu 20 not only includes mild and severe diseases, but also 15 kinds of children's specific diseases have additional protection, and the companion fund is an optional protection, which is still more practical for children. 2. The insured amount of children's Ping An Fu 20 critical illness can be increased

Before the age of 70, for each mild illness, the critical illness benefit will be increased by 20% of the sum insured, and the increase of 60% is the cap, which is more flexible.

However, there are not many loopholes in the protection of Children's Ping An Fu 20: 1. Children's Ping An Fu 20 has fewer mild illnesses: 25%-30% of the minor illness compensation is the qualified line of critical illness insurance products, but unfortunately the Children's Ping An Fu 20 pays 20%, which is slightly lower than similar products.

2. Children's Ping'an Fu 20 Children's High-Incidence Critical Illness Missing: Children's Ping'an Fu 20 does not have "severe Kawasaki disease" protection, but the incidence probability of high-incidence diseases in children is high, and the cost is difficult for ordinary families to afford, and there is still room for optimization in the children's special illness protection of Children's Ping'an Fu 20. 3. There are loopholes in the 20 guarantees of children's safety and happiness:

Obviously, it is obvious that Children's Ping An Fu 20 does not have moderate illness protection, but unfortunately many children's critical illness insurance now comes with moderate illness protection, so this shortcoming is difficult to ignore. Children's Ping An Fu 20 Critical Illness Insurance will close the insurance channel, after reading the above interpretation and analysis, you should think twice before applying for insurance