Urgent!!!! About China Life Hongfu Insurance Participating Early Withdrawal

If you open the first page of the policy, and it is written in the upper left corner that it says lump sum, then you have to deposit 1 time for a total of 6 years, and the bank teller told me that the deposit is 3 years, which is suspected of misleading you. Because after 3 years, you will probably be able to withdraw 15,000 yuan, and you will be able to get more dividends in these 3 years, and you will not lose too much money if the dividends are not good. In other words, you can keep the capital for 3 years.

If you want to make a big profit, you can put it for 6 years, otherwise it is not cost-effective to call surrender.

1. How much can I get back after one year but less than two years? A: Around 14000.

2. Can I get back all the principal when I withdraw it after two years but less than three years? Is there a bonus?

A: The second page of the policy has the cash value plus the dividends of the current year, which is the amount you can get when you surrender the policy in the current year. I expect to keep the principal within 3 years. Dividends are distributed annually.

Whether you can get the principal after 3 years depends on the level of dividends in these 3 years! It is estimated that the interest rate of the bank will be slightly higher than that of the same period in 6 years. Please believe in the strength of the world's top 500 companies.

And you still enjoy 6 years of protection? This policy also avoids taxes for life! The bank deposit collects your taxes on the day you only stare!

Interest tax in the early years there have been in the past few years.

Upstairs don't understand don't talk nonsense.

Dividends will be calculated from the third year onwards??? Be careful that Chinese Shou is looking for someone to spank your ass. Dividends are paid out every year!

The bonus will be a little higher than the bank's fixed deposit interest rate for the same period. Says who? Dividends are determined by the business performance of Chinese Life! If you make more money, if you don't make money, you will get less points, so big words on the insurance policy!! Dizzy.

But in fact, you can start withdrawing money from the third year. What does it mean? You can marry at any time, take more or less, the longer you save, the smaller the loss!

The concept of 3 years is based on the dividend level of previous years, and the implication is that you can take 15,000 in 3 years! The interest is 0!

If you don't understand anything, just q me 1024129851

You can look at the cash value table on your contract, generally speaking, about 90% for 1-2 years, and 100% for 3 years, remember that it is 3 years, and you can get back the dividends of the previous year when you surrender the policy (if you surrender the policy after December 31, you can receive the unpaid dividends of the previous year).

About this insurance, it is like this: the first two years to go to the loss of a part of the principal, the specific amount I forget, it seems to be 500 yuan back, the third year began to calculate the dividend (at this time the principal will be fully refunded), the dividend will be a little higher than the bank's fixed deposit interest rate in the same period. Six years means that you can save for up to six years, which means that you have to withdraw your money at the end of the sixth year, but you can actually start withdrawing money from the third year.

Do you understand the answer?

There is an annual policy value on your policy, and the corresponding policy value is how much money you can withdraw when you take it out, and the dividends are calculated separately, and the surrender or maturity is paid together. This product recommends that you take it in three to four years, otherwise there will be some losses, and the dividends of life in the past two years are not very high. If you need money urgently, you can apply for a policy loan from the bank, but you have to pay it off in six months, and there will be some interest.

However, it will not affect your dividends and compound interest earnings.

1.If you want to cancel your contract in April 2011, it depends on the cash value on the first page of your contract. Generally, there is no loss if you have saved for 3 years.

2.If it is due, you can definitely get back your principal, there will be no loss, and there will definitely be a certain amount of income, please rest assured. As for the benefits, you don't know until you see the contract, you can call **95519 to ask them to help you calculate it.

3.Compared with the 5-year term, the overall income of its maturity will be relatively higher than that of the 5-year term, and there is an accident protection within the 5-year period, and the disadvantage is that in the short term, "if you take it out within 1 year or 2 years, it may be a loss". It is relatively not as flexible as fixed-term, but if you only need money urgently, you can borrow from the policy!

If you have any other questions, you can consult your local company's customer service, or the insurance staff at the bank's service.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Xueba talks about insurance, focusing on insurance evaluation! I spent a week compiling a comparison table of 35 participating insurances and 101 popular critical illness insurancesComparison table of 35 participating insurances and 101 popular critical illness insurances, to friends who know this article.

I believe many people have heard of participating insurance, but how many people really know what participating insurance is? Let's focus on participating insurance:

Dividend insurance, to put it simply: it is insurance with dividends, and dividends come from the profits of insurance companies, which is the characteristics of dividend insurance, which can not only manage money but also protect it.

In fact, many consumers are attracted by the dividend function of participating insurance, but this is not the case, "dividends" sounds very simple, but I have seen friends who hold participating insurance, no one gets the expected returns.

A big part of the reason is that consumers have not carefully understood the participating insurance

First, the dividends of the policy are not guaranteed.

Second, the dividend pool is not transparent.

These two characteristics of dividend insurance make the real income of participating insurance an unknown number, and an important reason why the risk is often complained about is in this articleWhy is the dividend insurance frequently complained?! , if you are interested, you can find out.

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!

That's all for me"What are the protections for purchasing China Life Wealth Insurance (Participating)? "All, look!

If there is an accidental death, you will be compensated three times the basic amount of the insurance, and in the event of an illness, there will only be the insurance benefit, and there will be annual dividends. Purchase with caution.

No? Only 3 times as many accidental deaths!