I am 26 years old this year and have an annual income of 18,000 yuan, is it appropriate for me to bu

What problems do you want to solve through insurance, what kind of protection do you have, if it is financial income, why not consider other financial management methods, such as financial funds, ** and other financial means, far higher than insurance returns, insurance is a protection plan after all.

Hello! The meaning of insurance is to focus on protection, and the meaning of insurance is to protect, under a reasonable premium budget, in case of risk coming, it can protect families and individuals from falling into financial difficulties. Insurance is also a financial management tool, as for the amount of income is related to how much you invest, that is, the more you invest, the more returns.

But managing money is not the same as getting rich. Insurance is based on the contract, and the contract is true. Reference:

Top 10 Precautions for Buying Life Insurance" See "Misunderstandings of Insurance Choices".

Hello, nice to meet you. The reason why many customers say that insurance deceives people is not that insurance products deceive people. The important thing is that there may be a problem of exaggerating the benefits when the **person explains it to you.

I hope you understand. It is recommended to find a local professional ** person to serve you. Reference:

PICC Life Insurance Harmonious Life Universal Insurance Comprehensive Protection Plan. Corning Term Protection Plan (Critical Illness) for Young Adults.

Hello Annual deposit of 6,000 yuan for 10 years saved a total of 60,000 In addition, the risk borne by the insurance company is to deduct the cost of protection 10 years to receive 240,000 is too exaggerated, it is impossible, and if you save for 5 years, you can't protect the principal at all, this salesman suggests a new choice.

Hello, the salesman you met was too humorous.

The annual premium is about 15-20% of the annual income, which is more appropriate! According to your situation, that is, about 2500 a year is the most, and 6000 a year is appropriate?

Hello, I don't know which salesman told you. Our universal insurance of Ping An has a minimum payment of 10 years, an annual payment of 6,000, and a basic sum insured of 120,000; Ping An Additional Critical Illness Insurance 50,000 in advance for life; Ping An Additional Worry-Free Accident Insurance 60,000 to cover up to the age of 65; Ping An Additional Worry-Free Accident Medical Insurance 10,000; You can also spend more than 200 yuan to add 2 minor illness medical treatments, what do you think? When buying insurance, you need to understand it thoroughly.

Of course, the sooner you buy insurance, the better, pay less, protect you high, and have high benefits. Peace be upon you.

With an annual income of 10,000 yuan, don't consider universal insurance. Buying insurance is only 15-20% of your annual income, and you can choose a whole life insurance with low premiums and high protection. You can also choose Ping An Xinxiang, pay for 20 years, pay about 3,000 yuan per year, protect until the age of 65, 1 times the guarantee 3 times the payment halfway, and 2 times the return at the end of the period, as a supplement to the pension.

Specific details can be communicated offline.

Hello, this should not be possible, it is recommended to think carefully.

Hello! Listening to your description, I feel that it is impossible, there is no product you invest 60,000 yuan in 10 years, and it will be quadrupled in another 10 years, I don't know what aspect of this insurance you like? And what do you want to solve with insurance?

I hope to communicate with you further, and then I will recommend the most suitable product for you according to your clear needs. When choosing to buy insurance, you must choose a large company with strong strength.

Hello! Jinmantang in Sunshine Life Insurance is a dividend-paying whole life insurance product, which is that insurance must be guaranteed, so when obtaining protection, there must be risks, which is the true meaning of insurance. So my advice is that if you are looking at the returns for financial investment, you may not achieve the results you expect.

I don't know if you're satisfied.

Hello! It's a pleasure to serve you. Do you think there is such a good thing in the world? In 10 years, I only paid a total of 60,000 yuan, and I was able to receive 240,000 yuan.

Hello: As long as it is participating insurance, the benefits are uncertain, and only the fixed return is absolutely guaranteed. Do you think you have 60,000 yuan for public transportation, and 240,000 yuan in 10 years?

Besides, is there a contract? Depending on your age and income, it is recommended that you buy a protection type that is more affordable and should be your ideal choice. Need to know about my avatar.

Hello, universal insurance is very good, flexible withdrawal, I don't know if you have community medical insurance, with these basic insurance, and then buy Magnum, I recommend you a Ping An of China's outwitting life universal insurance for reference.

Summary. Hello, happy to answer this question for you. Personally, this insurance is not reliable.

Sunshine Jinxiangyu Universal Insurance is a product launched by Sunshine Life, which includes death benefit and special bonus for continuous payment. There is no sickness or critical illness coverage for this insurance.

Sunshine Jinxiangyu Universal Insurance pays 6,000 yuan for ten years, is this insurance reliable?

Hello, I am happy to serve you, I have been engaged in the financial industry for more than 15 years, I have quite a lot of work experience, typing takes time, you have to be patient and wait......

Hello, happy to answer this question for you. Personally, this insurance is not reliable. Sunshine Jinxiangyu Universal Insurance is a product launched by Sunshine Life, which includes death benefit and special bonus for continuous payment.

There is no sickness or critical illness coverage for this insurance.

You can take a look at the terms of this insurance to understand, and it is recommended that you choose carefully.

I hope I can help you, and if you have any other questions, you can continue to ask me. 

The premium is paid for 10 years, and the payment period on the policy is lifelong, in this case, it is generally paid for 10 years to protect the whole life, which is subject to the contract of purchasing insurance. Generally, insurance companies will deduct the cost of coverage from the individual's account. Therefore, if the amount of the personal account is sufficient to pay the cost of protection, it is possible to pay for life without paying for life.

Sunshine Life Jin Xiangyu C Whole Life Insurance (Universal).

1. Scope of Protection.

1. The basic insurance amount of this contract shall be agreed upon by you when you apply for insurance and shall be stated in the insurance policy. If the amount is changed, the changed amount will be used as the basic insurance amount.

2. The insured amount of this contract is equal to the greater of n times of the personal account value and the basic insurance amount at the time of this contract. The insured's age (years old) at the time of 18-40 41-60 61 and above The value of n.

2. Insurance liability.

During the validity period of this contract, the company shall bear the following insurance liabilities: death insurance benefit, if the insured dies, Sunshine Insurance Company will pay the death insurance benefit according to the insured amount at the time of the insured's death, and the value of the personal account will be zero after the payment, and the validity of this contract will be terminated.

3. Product features.

Healthy life, intimate care, provide mild and critical illness protection and critical illness protection, reasonable, adequate and intimate health protection to help you enjoy a worry-free life. High protection, multiplier care, this plan can provide death, disability, accidental injury medical treatment, basic medical expenses and other protection, with a small amount of premium investment to obtain high protection, reflecting the true meaning of insurance, income guarantee, investment flexibility, for your personal account value to provide the lowest guaranteed interest rate, you can also also choose according to your own financial planning and needs, apply for partial or additional insurance premiums, so that your investment and financial management is more flexible. Continuous payment and reward will be issued by Sunshine Insurance Company if it meets the agreement of the insurance contract.

Generally speaking, you can't return to your original cost after 10 years, please see this.

In the first year, save 6,000 yuan, and the initial cost ratio of 50% is 3,000 yuan.

In the second year, save 6,000 yuan, and the initial cost ratio of 25% is 1,500 yuan.

In the third year, save 6,000 yuan, and the initial cost ratio of 15% is 900 yuan.

In the fourth year, save 6,000 yuan, and the initial cost ratio of 10% is 600 yuan.

In the 5th year and beyond, save 6,000 yuan a year, and the initial cost ratio of 5% is 300 yuan a year.

If the premium is added, the initial cost will be deducted, and the proportion shall not exceed 5%.

Then if I take it out for 10 years, and the account is 0, and I still want this 12w death benefit, then I have to pay this protection cost every year.

A 30-year-old man has to pay 120,000 1,000* yuan.

Intermediate annual fee** increases.

At the age of 40, you have to pay 120,000 1,000* yuan.

Intermediate annual fee** increases.

At the age of 50, you have to pay 120,000 1,000* yuan.

Intermediate annual fee** increases.

At the age of 60, you have to pay 120,000 1,000* yuan.

The annual fee is increased in Canada**.

At the age of 70, you have to pay 120,000 1,000* yuan.

Intermediate annual fee** increases.

At the age of 80, you have to pay 120,000 1,000* yuan.

Intermediate annual fee** increases.

To 82 years old and above Congratulations, the money you pay every year after that will not increase 120,000 1,000 * yuan per year.

2.It doesn't matter, isn't it true that if you continue to save for 3 consecutive years, you will receive an additional 2% interest rate when you continue to save in the 4th year?

That's right, this 2% is not a guaranteed earning, and you can add some more money in the 4th year, so it will be a good deal!

And what about the reality? This term for the 2% interest increase is called "Special Bonus for Continuous Payment", and it has two conditions: a. Pay on time within the first 3 years; b。Pay the fee on time in the current period. If you don't meet any of these criteria, you won't be eligible for this special reward.

But if they all meet, isn't everything fine?

Please refer to the clause "Special Bonus for Continuous Payment = 2% for the current period of premium, but you will only be entitled to the portion of the premium for the current period of payment for the portion attributable to the 4th and subsequent policy years." There are no special incentives for additional premiums and retroactive premiums. ”

What does it mean? The regular premium is 6,000 yuan, and the special reward is 6,000 * 2% = 120 yuan, and that's it. Saving 6,000 a year will give you an extra 120 yuan.

The money in the account for the first 3 years of the previous deposit is not counted, and there is no reward for adding more than 6000.

Jin Mantang is a universal insurance, at the end of a year should be able to return to the capital, this product is very good, if you are not in a hurry to use the money to put it, now this product has been discontinued.

Do I still have the money I need to receive after I apply for insurance? .It's impossible to get the principal back after ten years, no. In fact, there is no such thing as insurance at all, why? In other words, if you are flexible, then not.

It is possible for the younger ones to return to their original costs in more than ten years.

Older purchases rarely pay off.

Insurance buys protection. If you are worried about the cost or income, it is not recommended to buy insurance.

Again, the biggest beneficiary of the insured is the family.

In other words, people who buy insurance are not for themselves, but for their families.

For example, I bought an insurance of 6,000 yuan a year, and the sum insured was 200,000 yuan. When the insured suffers from a critical illness as agreed in the contract, the insurance company may pay 180,000 or 200,000 yuan. That's where insurance comes in.

On the contrary, the insured person has been healthy. After 10 years or 20 years, there is no principal. Only the cash value of the policy.

However, people always have to die. The beneficiary of 200,000 death benefits will receive.

In September this year, relatives came to the house and said that the company wanted customers to add the company's WeChat, and they could see the account dynamics. As a result, I saw that the balance of the personal account was only 2,100 yuan, which was different from the 3,000 yuan added to the personal account as mentioned before, and the 3,000 yuan was a serious illness and other insurance. Hurriedly took the contract as thick as the book, looking for the basis for deduction, the cost of personal insurance leaked early, and each medical insurance content has a deduction, which accumulates with age, and there are mainly three lists of guaranteed costs.

Unlike the previous 10-year payment, the cost of protection is deducted every year before the end of life. I am 40 years old insurance, about 60 years old, 10 years to pay 60,000 yuan is not enough deduction, if you live to 80 years old, about 10,000 yuan a year, 70 years old, about 7,000 yuan a year.

If the payment is not made, the contract will be automatically terminated.

In serious illnesses, many items need to be reimbursed after how many days after surgery, and the name of the operation is specified, if it fails to adhere to the specified number of days, it will be hung up, and only the death compensation is 120,000 yuan.

In the process of negotiating with Sunshine Bright and Dry Insurance, the terms of the negotiation were different from the dictation, and I felt the indifference of the company. Ask the WeChat customer service of the head office, how is the money in the account deducted? I was asked to consult a local company.

I went to the local company to surrender the insurance, and fooled me that I only paid for 10 years, and asked the customer service of the head office, which really made me speechless.

In the end, about 1,800 yuan was refunded.

In the future, resolutely avoid this life insurance company and remain wary of its peers. Because the terms of the oral contract and the paper contract were simply two contracts, at that time, the foresight was the mainstay, and the words of the relatives were believed, and the contract was not carefully studied, resulting in a small loss, but it was much luckier than having to pay 20.3 million yuan later.