My son bought the dividend insurance for Wealth Creation Life at the age of ten, paid for ten years,

Xueba said insurance, only recommend the most suitable child insurance! This year's comparison table of 136 best-selling children's critical illness insurance has been updated

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How to buy insurance for your child

I don't know how many parents who want to give their babies comprehensive protection are stumped by this question, today let's take a good look at how to buy insurance for their children so as not to be pitted! Keep these three points in mind:

First, take care of the medical insurance first!

After the child is registered, the first thing to do is to complete the medical insurance. Regardless of whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, the three types of commercial insurance, critical illness insurance + medical insurance + accident insurance, should be configured together after handling medical insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve other associated problems, such as the delay in studies caused by medical treatment and some losses in subsequent life. Buying a pure protection critical illness insurance can just solve these problems in the future.

For example, if you configure a 0 deductible hospitalization medical insurance, you can buy an insurance amount of 10,000 yuan with an annual premium of 1,200 yuan, which is cheap and useful.

Finally, let's talk about accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year, only sixty or seventy yuan, can protect the child's accidental death, disability and medical expenses caused by accidents, and it is very cost-effective.

Third, is there any insurance that I should not buy for my child?

Don't choose life insurance for your child, and try not to attach both liabilities to critical illness insurance. I know the specific reasons in this articleHow to buy insurance for your child without being cheated? This guide tells you!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"My son bought the dividend insurance for Wealth Creation Life at the age of ten, paid for ten years, for life, can the policy be surrendered at the age of thirty"All of them, I hope it helps you! Hope!

The policy can be surrendered and the contract terminated. The later benefits are gone!

The policy can be surrendered, and there will be no income in the later stage.

You can surrender the policy at any time, but why should you surrender the policy if you lose it? Contact me to talk.

After all the payments have been paid, why should I surrender the insurance? If you need money urgently, you can take out a policy loan.

Why should you surrender your policy? If you retreat, there will be no later income! If you need funds urgently, you can apply for a loan!

It's all over, why do you want to return it, it affects your interests.

Summary. Participating critical illness insurance, paid for 10 years, generally 25 years and more than 34 years, surrender together with dividends can be sufficient. The longer it is, the more valuable the policy is.

But if you plan to save money for your child at the beginning and want to return it at the age of 60, why not buy financial insurance for your child? That would be more appropriate if you were 60 years old.

Jinyou Life itself is more prolific, using 20 years and 30 years to offset long-term risks, and you only pay for 10 years, this insurance does not make much sense to your children.

I don't want to wait, surrender the insurance early, is it appropriate?

Hello, I'm glad to answer for you I have seen your question, I am helping you inquire about the relevant information, please wait, I will reply to you immediately

Dividend-paying critical illness insurance, paid for 10 years, generally 25 years and 34 years to Huai Xun, surrender together with dividends can be enough. The longer the time, the more valuable the policy. But if you plan to save money for your child at the beginning, and you want to return it at the age of 60, why not buy a wealth management insurance for your child?

That would be more appropriate if you were 60 years old. Jinyou Life itself is more prolific, using 20 years and 30 years to offset long-term risks, and you only pay for 10 years, this insurance does not make much sense to your children.

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

Xinhua Insurance's Distinguished Life Plus Participating Insurance, how to return the insurance 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!

Ten years of insurance has been paid enough, can I surrender the policy?

Hello Participating Insurance Surrender is generally the account value, cash value, and income exited together. The detailed amount needs to be calculated by the insurance company in the system.

I'm asking, my insurance is paid for 10 years, can I surrender the insurance if I have paid enough?

You can refund when you want to return it is not necessarily what the amount is when you return it I said let you verify the surrender amount first Each insurance agreement is different, and I don't have a contract with you here.

The surrender amount has been reported to the company and shall prevail.

My insurance premium is 3,188 yuan per year.

Can you figure out how much you can get back when you surrender the policy?

The surrender amount needs to be calculated through the insurance company's system, which cannot be calculated here.

Summary. Hello, if you pay for ten years, it is generally the total amount of refund plus 2%-3% of the income, if it is less than ten years, you can only return the principal, and some products cannot refund the principal.

Hello, if you pay for ten years, it is generally the total amount of the auction plus 2%-3% of the income barrier, if it is less than ten years, you can only retreat the trapped principal, and some products cannot return the principal.

Participating insurance refers to the life insurance in which the insurance company distributes the actual operating results of its participating insurance business to the surpluses of the pricing assumption according to a certain percentage. Hail.

Hello dear, I am happy to answer for you, life life participating insurance can generally be refunded cash value after 10 years, and the specific amount of the value of filial piety will be determined according to the specific product, the payment period, the amount of premiums and other factors. Generally speaking, if it is a simple participating insurance, then the cash value is higher, and the policy is surrendered after 10 years, and the money equivalent to the premium paid can usually be refunded; If it is a participating insurance with critical illness insurance, then the cash value is low, so the cash value is usually not the same as the premium paid, which means that the policyholder needs to bear a certain amount of economic loss.

Hello, these two products have different functions. Noble life focuses on financial planning, auspiciousness and respect in protection, and financial management. If you are buying your first insurance for yourself, I recommend you to buy Auspicious Supreme, this product has four advantages:

1. Advance payment for major illnesses can be added (low payment, high sum insured);

2. There is double the sum insured for the death of accident or illness (about 5,000 per year, the sum insured is 100,000, and the value is 200,000);

3. There is a premium waiver, which is equivalent to a single and double insurance (the insured can be exempted from paying the renewal premium in the event of an accident of the policyholder, and the contract continues to be valid).

4. Low premium, high protection; There are also annual dividends and terminal dividends, so that the value of the property can be effectively maintained and increased.

With the growth of age, diseases and accidents are the first thing we need to consider and prevent, and every member of the family needs, buy insurance first to pay attention to protection, if the family has more money in the future, you can consider buying some pension financial management (such as noble life).

To be honest, answering your question is quite time-consuming, let's talk about it simply, the cash value table of surrender halfway is right, the specific amount of refund depends on how much dividends are paid, insurance is protection, try not to buy income; Whether it is a loss or a gain, and I don't know your family situation, income and expenditure situation and can't analyze it; What to buy at your age - you will ask this question, I really wonder how your insurance ** person analyzes for you, you don't say your family status, insurance status, just say how old you are, no recruitment, but insurance is based on protection, uphold this principle to buy.

The noble life protection is small, and the auspicious supreme is a universal adjustable high protection, but there is no benefit in investing only 4,000 yuan.

It is recommended to invest 4,000 yuan a year to choose other products.

Xueba talks about insurance, focusing on insurance evaluation! The comparison between 35 participating insurance and 101 mainstream critical illness insurance has been updated35 participating insurances competed with 101 mainstream critical illness insuranceParticipating insurance refers to an insurance company that distributes the distributable surplus to customers in the form of cash or value-added dividends according to a certain proportion, and an insurance policy takes into account the protection and financial management functions.

Hearing the word "dividends", many people feel that they have paid money, not only guaranteed, but also able to enjoy dividends, as if they have become the original shareholders of insurance companies, but many people regret it after two years after buying, because the income gap before and after buying is large.

First, the dividends of the policy depend entirely on the economic environment and the experience of the insurance company, which is uncertain.

Second, the dividend pool is not transparent.

These two characteristics of participating insurance make the real income that customers can get an unknown, and it makes participating insurance a type of insurance with peak customer complaints, and the reasons are in this articleWhy is the dividend insurance frequently complained?! If you are interested, you can learn about it.

At the end of the day, participating insurance is not suitable for everyone, so it is recommended that you do not blindly insure!

That's all for me"I am 38 years old, I bought Xinhua Noble Life Participating Insurance, 15,000, 10 years, 4,050 yuan per year, the insurance period is 42 years, if you surrender the policy at the age of 60"I hope to adopt all the answers!