Can I get back the principal of the Longxing Rich Annuity Insurance Product I bought after paying fo

The subject is the purchase of CCB Life Insurance.

A Longxing Rich Annuity Insurance, asking if you can get back the principal after 5 years? It means that if you want to surrender the policy after 5 years, you can return the principal. No matter which Longxing Rich Annuity Insurance the subject buys, if you want to surrender the policy, there will be some losses, and the specific amount that can be recovered can be reflected on the cash value page in the insurance contract, and the subject can check the cash value of the policy for the fifth policy anniversary in the insurance contract by himself.

How much? The subject will be able to comprehend as much as possible.

Popularization of Annuity Insurance:

Annuity insurance is life insurance.

It means that the policyholder or the insured pays a certain insurance premium at one time or on time, and the insurance company pays the insurance premium annually, semi-annually, quarterly or monthly on the condition of the insured's survival until the death of the insured or the expiration of the insurance contract.

This type of protection mainly guarantees the financial benefits of the insured in the event of old age or incapacity.

Annuity insurance is roughly divided into the following according to the different periods of payment of insurance benefits: 1. Term annuity insurance.

According to the provisions of the insurance contract, the policyholder or the insured pays the insurance premium during the contract period, and the insurance company assumes the responsibility of paying the insurance money on the condition that the insured survives within the period specified in the contract, and the insurance is terminated upon the expiration of the specified period or the death of the insured. 2. Lifetime annuity.

Insurance, or "pension insurance."

According to the provisions of the insurance contract, the policyholder pays the insurance premium in aggregate until the insured reaches the prescribed retirement age.

The insurance company pays the insurance benefits to the retired insured on a regular basis or in a lump sum, and the insurance terminates when the insured dies or has paid all the insurance benefits in a lump sum.

CCB Life's Longxing Fortune Annuity Insurance, regardless of whether the subject buys paragraph B or paragraph C, will receive annuity from the fifth policy anniversary.

Section B is a regular annuity: 15% of the premium in the 5th year, if the subject pays 100,000 annual premiums; The annuity received in the fifth year is: 100,000 15% 15,000, 10% of the insurance premium from the 6th year to the 19th year, that is, 10,000, and the sum insured in the 20th year.

100% of the contract ends;

Section C is a life annuity: 24% of the sum insured in the 5th year, and 1% increments every year thereafter.

No matter which Longxing Fortune Annuity Insurance the subject buys, if you want to surrender the policy, there will be some losses, and the specific amount that can be recovered can be reflected on the cash value page in the insurance contract, and the subject can check the cash value of the policy in the fifth policy anniversary of the insurance contract by himself? The subject will be able to comprehend as much as possible.

No, 5 years is only a payment period, to receive the principal you need to the insurance period, the insurance period of this insurance product is 10 18 20 30 years, at least 10 years before you can receive the principal.

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Longxing Wealth Annuity Insurance Coverage Contents.

1. Annuity payment

1) From the day after the expiration of the contract cooling-off period to the n-1 (n represents the payment period) policy anniversary, if the contract is still alive at 24 o'clock on the day after the expiration of the contract cooling-off period and on the day of each policy anniversary, and the contract is still valid, the annuity will be paid as agreed. (2) From the nth policy anniversary of the contract to the expiration of the contract insurance period (excluding the contract maturity date), if the contract is still alive at 24 o'clock on each policy anniversary date and the contract is still valid, an annuity shall be paid according to a certain proportion of the insurance premium paid during the contract period.

2. Maturity insurance benefits

If the contract survives until 24 o'clock on the expiration date of the contract, and the contract is still valid, we will pay the maturity insurance benefit according to the basic sum insured of the contract, and the contract will be terminated.

3. Death benefit

In the event of death, the death benefit shall be paid at the greater of the following two and the contract shall be terminated. (1) The actual payment of insurance premiums under the contract; (2) The cash value at the end of the policy year in which the date of death is presumed to have died.

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1. You check the cash value table in the insurance contract, the cash value corresponding to the end of the policy year 5 is more or less than the premium you paid, if it is less, it means that you cannot get the principal back.

2. If you need money urgently, there is really no way to borrow from relatives and friends, it is recommended to borrow from the policy.

3. The maximum benefit of annuity insurance is after the expiration of the insurance period, and it will continue to be released after the expiration of the insurance period, and the longer the benefit, the greater the benefit. Unless you have a better, safer, more stable investment project. Otherwise, it is recommended that you do not use this insurance fund.

This is a term annuity insurance with a term of 18 years.

It is certain that you will not be able to surrender the policy and get back the "principal" after the payment is over. You look at the cash value in the contract to see if it is enough for the "principal" for that year

Summary. From the 5th policy anniversary of the contract (inclusive), if the insured is still alive at 24 o'clock on each policy anniversary (including the 5th policy anniversary) and the contract is still in force, the insurance company will pay an initial annuity payment at the amount calculated according to the following formula on the policy anniversary. Initial annuity on the nth policy anniversary = 20% (1+5% (n-1)) of the initial basic sum insured of the contract

CCB Life Longxing Fortune C Annuity Insurance, how much money can you receive after 5 years.

Hello, dear, you can't get money for five years.

This is a whole life insurance policy that covers you until your death.

Therefore, you have to receive the money in five years, unless you choose to surrender the policy.

Refund will be based on the corresponding cash value of the current year.

Can't you get it in the 6th year?

Starting from the 5th policy anniversary of the contract (inclusive), if the insured is still alive at 24 o'clock on each policy anniversary (including the 5th insurance anniversary and single anniversary), and the contract is still valid, the insurance company will pay an initial annuity according to the amount calculated according to the following formula on the policy anniversary date. Initial annuity on the nth policy anniversary = 20% (1+5% (n-1)) of the initial basic sum insured of the contract

Starting from the 5th policy anniversary of the contract (inclusive), if the insured is still alive at 24 o'clock on each policy anniversary (including the 5th insurance anniversary and single anniversary), and the contract is still valid, the insurance company will pay an initial annuity according to the amount calculated according to the following formula on the policy anniversary date. Initial annuity on the nth policy anniversary = 20% (1+5% (n-1)) of the initial basic sum insured of the contract

No, the sixth year is also to surrender.

How do you count this?

So dear, if you choose to surrender the policy.

Then you can get it.

That is, if your insurance amount is 50,000, the fifth year is 50,000 * 20% * that is, pay 10,000 yuan a year, pay for 5 years, buy insurance at the age of 48, and die at the age of 70, how much money will you receive.

Hello, if you die, you will receive the death insurance benefit.

It is calculated based on the sum insured in your insurance contract, not the premium you pay.

The sum insured is the amount agreed upon between you and the insurance company, and on the first page of the insurance contract, you can take a look.

Sum insured. Teacher do the math.

Hello, dear, I was born at the age of 70, and I can't get the principal back.

The principal can be returned, dear.

Is your insurance policy in place?

There is a cash value table inside the policy.

Summary. Hello, this is actually a financial type of insurance, the principal is guaranteed to be paid, and it can be withdrawn when it expires, as long as it continues to pay due to receive no loss of principal.

What is Longxing Fugui C Annuity Insurance, and is there principal protection? Can I take it out when it expires? Is there a loss of principal?

Hello, this is actually a financial orange Zheng type insurance, with stupid continuous payment of principal is guaranteed, maturity can be taken out, as long as the expiration of the payment of stupid Wu accompanied by no loss of principal.

This insurance is generally paid for three or five years, and the financial management is still good, and the interest is higher than that of time deposits, but this insurance cannot be withdrawn in the first two years, and there is a period of fund sealing, and it can only be withdrawn after two years. However, two years later, it is three years before the principal can be guaranteed, and there will be interest after three years, and this kind of insurance generally stipulates that the withdrawal time is the sixth, seventh or eighth year of the disadvantage. For protection, this insurance is not very good, only death or total disability can be claimed, so the purchase of this kind of insurance, it is recommended that there is a personal protection insurance on the premise of the purchase, in addition to the purchase of this insurance must not appear when the situation of breaking off, once the relationship is broken, it is easy to lose money.

I bought a principal of 30,000, a five-year contract period, 30,000 per year, and a request to chase 150,000 yuan within five years. That is, to save 300,000 yuan in 5 years, how much interest can be received after five years?

Yes, but not required.

The interest is about 10,000.

Isn't the interest rate very high? Is this an annual interest, or a lump sum after five years? How much annuity can I receive each year?

To be honest, the interest rate is similar to that of a large deposit, and the interest of the Wheel Tomb Emperor for five years cannot receive an annuity every year, which is equivalent to a fixed deposit, but it only provides protection against Wang Xin's death and total disability.

According to this standard, it is the most cost-effective to take it out after receiving the interest.

Yes, but he will receive it in a lump sum, that is, after the expiration of the policy or in the middle of the surrender.

Summary. Hello, you can surrender the policy, Longxing Rich Annuity Insurance, if you want to surrender the policy, there will be some losses, and the specific amount that can be recovered can be reflected on the cash value page in the insurance contract.

Hello, you can surrender the insurance, Longxing Rich Annuity Insurance, if you want to surrender the policy, there will be some losses, and the specific amount that can be covered and collected can be reflected on the cash macro imitation value page in the insurance contract.

Annuity insurance is a kind of life insurance, which means that the policyholder or the insured pays a certain insurance premium at one time or on time, and the insurance company pays the insurance money on a yearly, semi-annual, quarterly or monthly basis on the condition of the survival of the insured, until the death of the insured or the expiration of the insurance contract. Wang Tsai.

CCB Life has been more than 3 years, how much will it lose?

Is this insurance appropriate?

Hello, it is not recommended that you surrender the policy, the surrender loss is heavy, this insurance is more suitable, and you can receive annuity insurance in the future.

According to the signed contract agreement to judge whether the imitation grandson can be refunded, if the principal or interest is received in the early stage, then it will definitely affect the later income, and even deduct various handling fees, there is no special reason, there is no need to refund, otherwise it is easy to lose a lot of money.

Huaxia Fortune Treasure Pension Insurance.

The provisions of paragraph C read as follows:

1. Age: Born and discharged from the hospital for 28 days, to 65 years old;

2. Payment method: annual payment, which is subject to the agreement with the insurance company, which can be 1 year, 2 years, 3 years, etc.;

3. Insurance period: lifelong;

4. The insured amount: 10,000 yuan for sale, 1,000 yuan incrementally;

5. Insurance liability:

1) Death Benefit: In the event of the death of the insured, the insurance premium paid or the cash value of the contract will be paid.

The greater of the two is used;

2) Survival annuity: The insured is still alive after reaching the age of 75, and can get the basic insurance amount of the contract every policy year.

10% of the pension is paid.

Huaxia Fortune Treasure Pension Insurance C Product Features:

1. Steady increase of wealth: wealth appreciation is written into the contract to ensure the safety and security of assets;

2. Suitable for both long and short: the current price is sufficient for five years, and the lifetime holding income is considerable;

3. Flexible and multi-choice: flexible and diverse payment methods, free choice in one, two or three years;

4. Pension Supreme: Return the annuity at the age of 75, supplement the pension key chain and enjoy the sunset.