China Life Ruyi Annuity Insurance Dividend paying type and keeping money in the bank is suitable

PICC Happiness No. 2, this is a five-year payment, ten-year maturity of the dividend product, it has ten times the high protection to double your worth, with ninety percent of the high loan for your flexible use of funds, the maturity of the super return according to the demonstration of the annualized interest rate of 4% of the financial products.

Case explanation: 100,000 yuan per year, 5 years, 10 years of maturity.

Pay 100,000 yuan in the first year and get 4,000 yuan back, and pay 100,000 yuan in the second year and get 8,000 yuan back.

Pay 100,000 yuan in the third year and return the yuan, and pay 100,000 yuan in the fourth year and return the yuan.

Pay 100,000 yuan in the fifth year and return the yuan, and return the yuan if you do not pay the fee in the sixth year.

If you don't pay the fee in the seventh year, you will return to the yuan, and if you don't pay the fee in the eighth year, you will return to the yuan.

If you don't pay the fee in the ninth year, you will return to the yuan, and if you don't pay the fee in the tenth year, you will return to the yuan.

At the expiration of 10 years, the total amount of maturity payment + bonus is not less than RMB.

Now the investment environment is sluggish, there are losses and profits in business, there is no way to guarantee the safety of the principal, children need money to go to school, money is needed to start a business, and money is needed to let the family live a good life. So everyone says they want to manage money, but what exactly is financial management? Some people say that "money makes money"; Some people say that capital preservation is the most important; Actually, I think it's financial management

You can't run the money you should earn, and you can't lose the money you earn. As a large state-owned insurance group company, PICC Life Insurance actively implements the relevant regulations on vigorously developing the insurance industry, and specially launches the "Guaranteed Wealth Management" product "Happiness No. 2", which has stable income and high protection, and truly makes whose investment is in charge.

You can control your life, you can't control accidents, you can control your income and expenditure, you can't control the market trend, PICC "Happiness No. 2" to help you, short payment period, stable income, high security. It is the best choice for your investment protection.

If you want to keep it for a long time, it is suitable for participating insurance, and if you want flexible funds, you can only deposit it in the bank.

Hello, the bank has 6 times interest, and the insurance rate to give back to customers, and Xin account with diary interest month compound interest, equal to the bank simple interest 12 times, you think that is suitable, specific details.

If you don't use it for a long time, of course, it's better to save insurance.

Hello this gentleman: the bank has ** interest 6 times, if you still want to deposit in the bank, then I suggest that you still deposit the insurance company! My company's "Fu Lai Bao" annuity insurance and additional Fu Lai Bao annuity insurance (universal type) together to buy, (universal type) is not to deduct money, can not add money, the insurance age is 28 days to 55 years old, (it) is first of all the sum insured 6 to pay the survival fund, to the insured's 65th year old policy anniversary (exclusive), and then the insured's 65-year-old policy anniversary is still alive, we will pay all the premiums paid in this main contract on the policy anniversary date.

Then, from the policy anniversary of the 66th birthday (inclusive) to the policy anniversary (inclusive) of the insured who reaches the age of 90

If the insured person is still alive on each policy anniversary, we will pay an endowment allowance of 36% of the sum insured! Among them, if we do not take 6% of the survival fund of the sum insured, we will enter the (universal account) for compound interest rollover, journal interest, and monthly interest. If you're from Shanghai, it's best to meet and talk!!

The current interest calculation of bank fixed deposits is about and around, long-term consideration, it is recommended that you can choose to deposit in the insurance company, Chinese Shou Xinfu annual products with interest compound interest calculation, with the deposit and receipt, you can add my WeChat private chat.

Chinese Shou Xinfu products are higher than bank interest every year.

Money deposit in banks is flexible and convenient, such as long-term investment insurance is more cost-effective.

Hello, you can learn about China Life Insurance's FLM product, the product returns the principal quickly, compound interest is high, loanable, deposit and withdraw, with exemption, one generation of investment and three generations of benefits, details of private chat, to give you a reasonable plan,

If you don't need it in recent years, a deposit insurance company is your ideal choice.

Xinfu is very suitable every year, the country is hot, and it is earned when you grab it.

Of course, insurance is suitable.

Choose the Chinese life of Xinfu every year, grab is earned.

Xueba talks about insurance, focusing on insurance evaluation! Comparison of 35 participating insurance products with other popular 101 critical illness insurance productsA list of 35 participating insurances and 101 major critical illness insurances, to friends who know this article.

Participating insurance has always been one of the more pleasing types of insurance in the market, but due to the complexity of insurance, not many people have really understood it. Let's take a closer look:

Dividend insurance, to put it simply: it is insurance with dividends, and dividends come from the profit of the insurance company.

Clause.

1. It is difficult to receive dividends from dividend insurance.

Second, the dividend pool is not transparent.

These two characteristics of participating insurance make the real benefits that customers can get an unknown, and therefore the complaint rate of participating insurance is very highParticipating insurance has such a high complaint rate?!

It's all made clear.

In the final analysis, dividend insurance is not suitable for beginners, and people who do not have certain insurance knowledge should not blindly insure!

That's all for me"China Life Ruyi Annuity Insurance Dividend-paying type and keeping money in the bank is suitable"All, look!

Summary. Participating insurance refers to a variety of life insurance products in which the insurance company distributes dividends to the insurance policy holder according to a certain proportion of the surplus of actual operation and production while obtaining life insurance.

China Life Ruyi Annuity Insurance Dividend pays 20,000 yuan per year, how to earn after 10 years.

Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait!

Clause. 1. The distribution method of participating insurance is uncertain.

Second, the dividend pool is not transparent.

Third, the existence of these two characteristics makes the dividends that customers can receive an unknown amount.

Participating insurance refers to the life insurance varieties in which the insurance company distributes the surplus of actual operation and production to the holders of the insurance rock car policy according to a certain proportion while obtaining life insurance and respecting friends.

I hope mine can help you. If you are satisfied with my service, please give 5 stars. "

It can be refunded, and Huaxia Xiyingmen Annuity Insurance can be refunded after 5 years of Liang age, and it can only be refunded according to the cash value of the policy. Taking Huaxia Xiyingmen upgraded version as an example, this annuity insurance is a lifelong protection, the insurance age is 5 days - 60 years old, the minimum investment amount is 10,000 yuan, and the payment method is paid annually, and the specific protection content is:

1. Annuity is paid from the 10th policy year, and 100% of the basic sum assured will be paid every year.

2. The benefit of death benefit is the greater of the premium paid minus the accumulated annuity and the cash value at the time of death.

If the policy needs to be surrendered after 5 years, the cash value is different for different insurance ages, through the following example, if you pay 10,000 yuan a year, pay for 10 consecutive years, and surrender the policy in the 5th year, the total premium paid is 50,000 yuan. The details are as follows:

By the 5th year of the policy year, the cash value is $42,764;

By the 5th year of the policy year, the cash value is $42,754;

By the 5th year of the policy year, the cash value is $42,728.

Yes, Sunshine Wealth Annuity Insurance Section B (participating type) can be taken for 5 years, but it is not necessary to receive all the premiums paid. The details are as follows:

1. The protection period of Sunshine Wealth Annuity Insurance Section B (dividend) is until the age of 100, and if it is paid for 5 years, it can only be processed according to the surrender.

2. Sunshine Wealth Annuity Insurance Section B (dividend) is withdrawn in 5 years, and if the policy is surrendered, it is the cash value and survival fund, if there is a universal account, the surrender is the total survival benefit, that is, the sum of the cash value and the universal account value, not necessarily all the premiums.

3. Sunshine Wealth Annuity Insurance B dividend-paying type, if there is no additional universal value, paid for 5 years and not withdrawn through surrender, can only be taken out according to the agreement, after the hesitation period to before the age of 60, according to 10% of the sum insured, after the age of 60 is to receive according to 20% of the sum insured, if there is a universal account, the return of the survival fund will enter the universal account for secondary value-added, if it is taken out after 5 years, you can partially receive the universal account Ransong.

Summary. Hello dear, I will give you the answer now: the calculation method of life insurance surrender is calculated according to the corresponding number of the surrender year in the cash value table of the policy, (that is, the number of years of premium payment is the first policy year) The cash value table will generally indicate how many yuan of insurance amount is calculated in units.

For example, if the sum insured is 50,000 yuan, the premium has been paid for 3 years, and the third year in the cash value table is 800 yuan, then the surrender amount is 800 x (50,000 1,000) = 800x50 = 4,000 yuan.

China Life Millennium Wealth Management Insurance Participating Cash Value Table.

Hello dear I will give you the answer now: the life insurance surrender calculation method is calculated according to the corresponding number of the surrender year in the policy cash value table, (that is, the premium is paid for several years is the first policy year) The cash value table will generally indicate how many yuan of insurance amount" as the unit. Macro branches for example:

The sum insured is 50,000 yuan, and the payment has been paid for 3 years, and the third year in the cash value table is 800 yuan, then the surrender amount is 800 x (50,000 1,000) = 800x50 = 4,000 yuan.

The last page of the Millennium policy is: $1,000 Sum Insured Surrender Amount. Use this number to sell WiseSearch Your sum insured divided by 1000 equals your surrender amount.

Because everyone pays a different amount of insurance, the amount of insurance is also different. So they got a copy of this material from the company. I hope mine can help you, if you are satisfied with me, please give a thumbs up thank you!

Finally, I wish you good health and all the best!

I'm sorry I don't understand, but can you elaborate on that?

Dear, do you have any other questions?

Xueba talks about insurance, focusing on insurance evaluation! In 2020, the latest 35 participating insurance products and 101 popular critical illness insurance products were compared35 participating insurances competed with 101 mainstream critical illness insuranceParticipating insurance refers to an insurance company that allocates the distributable surplus to customers in the form of cash or value-added dividends according to a certain proportion, which takes into account protection and financial management, which is the characteristic of participating insurance.

Just listening to the word "dividend", will you feel very good, you have paid the money, not only guaranteed, but also dividends, but many friends told me that "I bought dividend insurance, and now I regret it", because the dividend income is completely out of line with expectations.

The reason is that there are many cognitive misunderstandings that consumers don't know

Clause.

1. The amount of dividends you can get is closely related to the situation of the insurance company, and the worst case is that there are no dividends in the current year.

Second, the dividend pool is not transparent.

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

If you want to save a sum of money for yourself and stay for a long time, you can choose Chinese Shou Xinhongtai, but if you will use the money for a short time, it is better to put it in the bank.

You should rest assured. Money is kept in the bank flexibly. But there are no dividends, and there is no personal protection. And there are insurance companies. There are not only fixed interest, dividends, but also personal protection, killing three birds with one stone. Why not?

Deposit in the bank, it is easy to withdraw the money, will the sky drop money? If the insurance is good, there will be no piles of insurance salesmen.

If you don't need this money in a short period of time, I think it's more cost-effective to save it to the insurance company.

It depends on how you plan for the money.

Let's take the 10-year expiration as an example.

1. If you can guarantee that this money will not be used within 10 years, then it is recommended to purchase the participating type of Cheng Guo Life Sun Hung Tai Insurance;

2. If you can't guarantee that you won't use it within 10 years, then it's best to save a fixed term, so that there will be no loss of principal when you withdraw it in advance.

3. If you want to buy insurance, plan better, for example, if you buy 100,000 yuan at a time, then don't be afraid of trouble, buy 10 10,000 yuan of single payment, so that in case you use a part of the money in the future, you can only refund a few of them.

I recommend that you still take out New China Life Insurance very well.

Don't buy it, I saved 100,000 yuan for 6 years in 12 years, and now I only take out 10,000 yuan, and I calculate how much interest I calculated, and the bank interest was 5 points in 12 years, and I lost 20,000 yuan directly.

Don't buy the dividend insurance in the bank, hurry up, I'm the victim, I bought this in 12 years, the bank clerk said very well, but at that time I didn't carefully understand the current insurance company to give the statement and the bank is completely different, now even the principal can not be taken out, ten years of dividends are pitiful, five years have only divided more than 1,000 yuan, are about to pit death, 30,000 I have deposited more than 7,000 interest in the bank for five years, now the principal can not be taken out, the insurance company is **!!

《》Insurance features.

China Life Millennium Wealth Management Insurance (Participating) not only provides you with death risk protection, but also provides you with regular survival insurance benefits to meet your needs in all aspects of life. At the same time, China Life Millennium Wealth Management Insurance provides you with substantial annual dividends and flexible dividend treatment, allowing you to share the results of our company's investment and operation.

Age of coverage. Born at least 30 days old and under 65 years old.

Insurance Benefits. During the validity period of this contract, the company shall be liable for the following insurance liabilities:

1. From the effective date of this contract, the company shall pay the survival insurance benefit according to 5% of the basic insurance amount if the insured survives to the corresponding date of the annual effective date of each third anniversary.

2. In the event of the death of the Insured, the Company shall pay the death insurance benefit in accordance with the following provisions, and this contract shall be terminated.

Single premium: Death benefit = basic sum insured.

If the premium is paid in installments: if the insured dies within the payment period, the death benefit = basic insurance amount [1 + number of policy years at the time of death - 1)]; If the insured dies after the expiration of the premium payment period, the death benefit = basic sum insured (1 + number of years of payment).

Payment Method. There are four types of payment methods: single payment, annual payment, semi-annual payment and monthly payment.

There are three types of payment periods: 10 years, 20 years and 30 years, which are chosen by the policyholder at the time of application.

Bonus matters. During the validity period of the contract, the Company shall determine the dividend distribution plan every year based on the actual operating conditions of the participating insurance business in the previous fiscal year, subject to the provisions of the insurance regulatory authorities. If the Company determines that there is a dividend distribution in the contract, the dividend will be distributed to the policyholder.

The policyholder can choose any of the following dividend treatment methods when applying for insurance:

1. Cash pick-up;

2. Accumulation of interest: Dividends shall be retained in the Company in the form of compound interest for accumulation, and the cumulative interest rate of dividends shall be announced by the Company every year.

If the policyholder does not choose the dividend treatment method at the time of application, the company will handle it according to the accumulation of interest.