What is the profitability of Pacific Insurance

Taiping Life's Profit Multi-Profit Insurance is a universal insurance that protects life while having a compound interest function (minimum guaranteed interest rate).

The specific contents are: 60 days to 65 years old can be insured (people of this age can buy this insurance), 10,000 yuan (the minimum premium is 10,000, you can add, each additional amount must be a multiple of 1,000), pay for 10 consecutive years, and protect until the age of 70. Among them, the insured under the age of 50 can add critical illness insurance (covering 10-18 critical illnesses) and critical illness medical expense reimbursement insurance.

If the insured passes away before the age of 70, the benefit will be paid at the greater of 105% of the policy value at the time of death, or the premium paid after deducting the policy account value. If the insured person survives to the age of 75, the insurance company pays a sum of money based on the account value of the policy, and the contract is terminated.

I am an employee of China Pacific Insurance Company, this is the third time I have encountered this kind of thing, the profit multi-functional insurance is not our company, it is run by a company called Taiping Life Insurance in Hong Kong, after the handling of the 5% handling fee, and then increase your account balance according to compound interest. The annual interest rate is guaranteed to be not lower than that for the first ten years, and the guarantee is not less than 0 after that, and then the account management fee of 120 yuan will be deducted every year.

Now that the hesitation period has passed, it is necessary to deduct the 5% handling fee, if you surrender the policy now, you can withdraw the account balance of the month, the specific number depends on how long it has been handled, the longer the more you will be refunded.

No, it is also a fixed deposit, but when you need money urgently, you can pledge the loan. Not as you think. Is there anything ok5615, thanks.

It's been deducted, and if it's still within 10 days, it's a full refund, otherwise the insurance company has already deducted it... By the way, bs unscrupulous people who cheat deposits. If you need assistance, please contact me.

Wealth management or dividend-paying products. Insurance companies are all about long-term investments.

Many people choose to buy annuity insurance in order to manage their finances, but the annuity insurance on the market is uneven, and it is easy to step on the pit if you are not careful! In order to avoid everyone stepping on thunder, here is my pension insurance strategy at the bottom of the box:"Learn this trick and stay away from the pit of 99% of annuity insurance".

Pacific profit wins every year, a combination of dividend insurance and universal insurance, is this product reliable? Let's take a look!

Let's take a look at the product morphology chart first:

The advantages of this product are as follows:

1.High annuity: four gold assistance

There are four types of gold in the policy: congratulatory payment, birthday payment, life expectancy and annuity. After the 5th policy anniversary of the effective policy, you can start to receive money, and you can receive 2,000 yuan of congratulations for each profit and win, 20,000 yuan for buying 10 points, 100,000 yuan for 50 shares, and so on, a one-time payment.

2.Lifetime Claim: 40% of the sum insured

The amount of insurance is determined according to the age of the insured at the time of insurance and the time of collection, the earlier the insurance, the higher the amount of insurance, the later the amount of life insurance is higher, 1 million annual premiums, 30 years for men, 3 years of payment, after the age of 35, you can receive a blessing of 55,040 yuan per year, 200,000 yuan at the age of 35, and 3 million at the age of 80.

3.Universal compound interest: 2% guaranteed

Additional Wealth Winner Universal Insurance, the guaranteed interest rate of the universal account is 2%, there is a guarantee, there is no cap, there is no limit to financial management, annuities and dividends can be compounded with interest, and they are settled once a month.

4.You can add at any time: There is no limit to how much money you can manage

Universal account can add premiums, fixed deposits can not be added to the blockade, universal insurance allows you to save money when you have money, access is very convenient, let money make money, buy a good financial insurance up to 10 fixed deposits.

But this product also has its drawbacks:

Guaranteed lower interest ratesThis is not mandatory, according to the settlement interest rate of the previous profit and win years is higher than 2%, the settlement interest rate in May and June 2018 is, and the settlement rate is in April and July.

On the whole, the Pacific Profit Annuity Dividend Insurance is still good, with more funds, long-term financial management, and those who want to invest in the future as a pension or children's education, but if they do not have much funds, it is recommended to strengthen their own protection foundation first.

。Founded in '91, Pacific Insurance is a senior insurance company in the insurance industry, and has been listed in the Fortune Global 500 for eight consecutive years. How to evaluate Pacific Insurance Company, mainly look at three questions:

1.Are Pacific Insurance's products worth buying?

There are many products under the Pacific Ocean, Jinfu Life, Happy Million, Children's Super Energy Treasure Auspicious Life, Wealth and Intelligence Win-Win, etc. are its main promotions, and the detailed interpretation of the above products I sorted out in this article:"Seven products worth buying in Pacific Insurance in 2020".。After reading it, you will know which product is good.

2.Is the service level of CPIC high?

In order to give everyone a standard, the China Banking and Insurance Regulatory Commission (CBIRC) rates the service according to indicators such as claims service, how many complaints, and business processing speed, with the highest level being AAA and the lowest being D.

Let's see how many levels Pacific Life can rate:

The form shows that the Pacific Ocean is AA graded, which is a high level. Next year will be different.

3.Is Pacific Insurance reliable?

Friends who are worried that the insurance company will be unreliable should be afraid that it will be difficult to settle claims after buying insurance. This is easy to do, and the higher the ranking, the more reliable it is. Earlier I compiled a following:

Top 10 insurance companies** points!

That's all for me"Is it reliable for Pacific Insurance to win every year?"

Unreliable is a garbage, I paid for three years, a total of 30,000 yuan, the fourth year only gave 30,000 and 300 yuan, more than 1,000 less than the deposit bank, I hope the relevant leaders can take a look, help us people who have been pitted, do not let more people be pitted.

I paid 20,000 yuan, 5 years to pay, last year began to pay, this year's dividend is 258 yuan, 20,000 yuan a year dividend 258 yuan, I am speechless.

From a revenue standpoint, it's certainly not worth buying. I have bought, the first year's dividend is about 1.9 percent, the second year's dividend is only more than 1.4 percent, it is a fraud, there is this money is not as good as depositing in the bank, the interest is much higher, if you buy a formal financial product other than the insurance company, the income is more, the risk is not big.

Insurance is to use time to earn your money, over time, the money will depreciate rapidly, 30 years ago workers, a month salary is only about 100 yuan, the same way, from now 30 years from now on workers, the monthly salary will be calculated in tens of thousands, when the time is now to pay the hard-earned money, there is only a fraction left.

So why would anyone still buy it? In addition to not knowing how to be deceived, the main thing is that people are stupid and have a lot of money, in other words, it is the need for "asset allocation", and the money can't be spent anyway, and it's the same for **.

It is a kind of financial product, not as good as advertised, paid for three years and they started to play the plan income is much worse, the loan must pay their own interest, and do not understand, two months of dividends are, the income is indeed different, and 150,000 a month income of more than 20 yuan, the year-end total income is more than 3,000 bar, to ask, said that the long-term income is more, I don't understand, they can't tell, say how much the seller counts, that is not how much people give, as long as the money is paid, there is no customer to speak, After more than 20 years, who knows that the money is depreciated, anyway, it feels not cost-effective to pay it for three years, to be fair, it is higher than the current interest rate of the deposited bank.

I plan to sell a product that will shut down the system in ten days, but I will sell out 3 billion in fifteen hours, and the system will automatically shut down the product, do you say this is reliable?

Reliable, so far no product with a higher yield than him has been found.

Reliable, Pacific Insurance Company, China's third largest insurance company, state-owned enterprises. Liying pays three years every year, returns the principal in three years, and returns the principal in five years and five years. It was originally scheduled to be sold for 10 days, but the pre-recorded order on the first day was only 15 hours, and by half past three in the afternoon, 3 billion was snatched up.

All insurance products are reliable, and only unreliable insurance people choose products that are suitable for their future planning is the most important. Dividends are distributed based on the company's earnings in the previous year, and fixed income is included in the insurance contract. Insurance can't make you rich overnight, but it can be a great way to plan your future.

I advise those who haven't bought it not to buy, it's completely a trick of making money, you can't get out if you go in, and you can only return the principal after 20 years of dividends, and the loan interest rate is required.

The income can be compared with Huaxia FLM 2016 to know which advantage is obvious.

Hello! Insurance companies rely on the general public. However, choosing an insurance company requires finding a company with strong backing and stable development.

Such as Taikang. Now there are "Beijing-Shanghai high-speed railway equity investment", "pension community equity investment", "Shanghai water affairs", "PetroChina joint pipeline project" and so on. Taikang was the first insurance company to be approved to build a retirement community and its own hospital.

Reliable, we bought it ourselves.

Reliable, high-yield products.

Next, I will introduce one of the three major life insurance companies of this company from the three dimensions of premium ranking, claims data, and service rating.

Of course, who doesn't care about claims when they buy an insurance.

AAA Rating: Not at this time.

AA level: 3, Taiping, Pacific, Bank of Communications Kanglian.