In 2002, I bought the China Life Hongshou Annuity Insurance Dividend paying Type

Xueba talks about insurance, focusing on insurance evaluation! What about participating insurance? Just look at how they compare to other popular critical illness insurance products35 participating insurances competed with 101 mainstream critical illness insurance, to friends who know this article.

Dividend insurance, to put it simply: it is insurance with dividends, and the dividends come from the fact that the profits of the insurance company look very good, guaranteed, and rich.

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.

First, the fulfillment ratio of dividends is very low, or even non-dividend.

Second, the dividend pool is not transparent.

It is precisely because of the existence of these two characteristics that it is difficult to earn dividends from the insurance, and because of this, everyone stays away from the dividends insuranceWhy is participating insurance a "high-incidence area" for insurance?

At the end of the day, participating insurance is not suitable for everyone, so it is recommended that you do not blindly insure!

That's all for me"In 2002, I bought the China Life Hongshou Annuity Insurance Dividend-paying Type"All, look!

Don't buy any dividend-paying financial insurance, the cost performance is too low, on investment now more than five percent of the annual income is everywhere, on the protection is even more nonsense, to buy consumer life insurance a few hundred yuan a year.

Summary. China Life Hongshou Annuity Insurance (Dividend) must be withdrawn after 20 years. There is no money to receive after 20 years of China Life Hongshou Annuity Insurance Dividend, and this annuity insurance is only returned for 20 years. It's hard to say exactly how much you will receive, because the dividends of the participating insurance are uncertain.

Should China Life Hongshou Annuity Insurance (Participating Type) be taken out after 20 years?

China Life Hongshou Annuity Insurance (Dividend) must be withdrawn after 20 years. There is no money to receive after 20 years of China Life Hongshou Annuity Insurance Dividend, and this annuity insurance will only be returned for 20 years. The specific amount of money is not good, because the dividends of the bonus insurance are uncertain.

Chinese Life Insurance Participating Type Annuity Insurance with Universal Account, Rebates and Dividends are automatically entered into the Universal Account, and the value of the Universal Account can be partially claimed. Products that do not have a Pantheon's ability account can be used to receive a survival fund, and the insured can apply for it.

In addition, the Chinese Life Insurance participating type can also choose to surrender the policy in the middle of the policy, and collect the cash value and the dividends, survival funds or account value that the good luck brother did not receive at one time, but it may be lower than the premium paid.

China Life Hongshou Annuity Insurance (Dividend) pays 1060 per year, pays for ten years, starts to pay at the age of 50, dies at the age of 71, and can receive a lot of money.

Dear, this is the person you asked the insurance company to motivate the staff, the dividend is that the insurance company and the town according to the accounting year to settle the corresponding gross profit of the year, after deducting the corresponding operating costs, calculate the distributable surplus, and return it to the customer at a rate of not less than 70%.

1. From the date of receipt of the annuity agreed in this contract to the date of the annual effective date when the insured reaches the age of 79, the company shall pay the annuity at the rate of 5% of the insured amount specified in the insurance policy if the insured survives.

2. In the event of the death of the insured, the company shall pay the death insurance benefit at twice the insured amount specified in the insurance policy, and this contract shall be terminated.

3. On the effective date of the year when the insured survives to the age of 80, the company shall pay the maturity insurance benefit at twice the insured amount specified in the insurance policy, and this contract shall be terminated.

This type of insurance is a double insurance, first of all, the death of the insured can receive double sum insured, survival of the source of the gold part of the department Wu state to wait until the age of 80 The expiration of the policy, you can also receive a double portion, the marketer said that the annual return of dividends, it can be determined that the dividends will not be reversed every year, but how much money can be returned each year is determined according to the operating performance of the insurance company.

Summary. Hello, happy to help you answer your questions;China Life Hongshou Annuity Insurance Dividend is a kind of life insurance for retirees to provide for the elderly, which not only provides you with death risk protection, but also can obtain annuity collection, and can also obtain generous maturity insurance at maturity, which is a financial arrangement for sharing accident losses in the economy, and legally is a contractual act in which one party agrees to compensate for the loss of the other party, and is a part of the social and economic security system in society, and risk management is the basic method.

Pay 3,060 per year, can I return the principal after 20 years?

Hello, happy to help you answer your questions;China Life Hongshou Annuity Insurance Dividend is a kind of life insurance provided for the retirement of retired people, which not only provides you with death collapse risk protection, but also can obtain annuity payment, and can also obtain generous maturity insurance at maturity, which is the financial arrangement for sharing accident losses in the economy, and legally is a contractual act in which one party agrees to compensate for the losses of the other party, and is a part of the social and economic security system in society, and risk management is the basic method.

Extended Information;Pure insurance is the basic means of risk management, an important pillar of the financial system and social security system, and also an act of the insurer paying insurance money to the insured when the contract conditions are met. Economically, insurance is a financial training arrangement for sharing accident losses, legally it is a contractual act in which one party agrees to compensate the other party's losses, in society it is a component of the social and economic security system, and risk management is the basic method.

Yes, you can celebrate the return of the principal. China Life Hongshou Annuity Insurance Dividend pays 3,060 per year, and the principal can be refunded after 20 years, and you can also get the accumulated dividends.

I asked the insurance company what should I do if I couldn't get my principal back.

You can sue or report.