The question of Xinhua Insurance, is Xinhua Insurance reliable

The value after the year can be up to 25,000+ dividends. (It doesn't mean that you can take out so much) 2. It is highly recommended to !! Don't be in a hurry to surrender!!

Reason: 1. The money cabinet is a product with good dividends, and the reason why it is stopped selling is because the company makes very little money, and many salesmen will buy it at that time.

2. The cash value (that is, the money that can be withdrawn from the surrender of the policy in the current year) should only be about 20,000. Insurance itself is a product that accumulates value over a long period of time. If you really want money at home, you can help.

3. If you really want to use money, there are two ways: 1. Pay 1 month late. The company will not charge late fees.

2. Apply for a policy loan. You can claim up to 70% of the cash value at the time, but you will have to repay the interest.

I hope you think carefully!!

Hello, the money cabinet can not be taken for 5 years, it can only be taken after 20 years, and it is much lost in 5 years, at most half can be taken back, you look at the cash value on the contract, if you go to surrender the insurance is the cash value plus the dividends of the previous years, in short, it is much more lost, and then you must not lose money after 20 years, and the money is not worth it after 20 years、、、

If you surrender the policy, as long as you don't pay it, you can't refund much money, usually even half of what you have paid can't be refunded, and try not to surrender the wealth management insurance.

Be sure to refer to your contract and see how many years of money will be returned on the contract, which cannot be returned in advance.

The main thing is to see how the insurance contract is written, and there will definitely be a loss when you surrender the insurance now.

Of course, if the contract said by the salesman back then was wrong, you must take it out, and you can surrender the insurance.

You can go to the forum of the word-of-mouth financial management network to complain about the full surrender of the insurance, and there are many successful cases.

The surrender loss is huge!

Do you have contract terms now? Read the terms of the contract carefully to know what to do.

Reliable. 1.Xinhua Insurance is a regular company, the full name of Xinhua Insurance is Xinhua Life Insurance Co., Ltd., is a large life insurance company established in September 1996.

In 2011, New China Insurance was listed on the Hong Kong Stock Exchange and the Shanghai ** Stock Exchange, and in 2014, New China Insurance was listed in the Forbes Global 500 for the first time.

2.Xinhua Insurance has provincial-level branches, prefecture-level central branches, marketing service departments, etc. in many places across the country, forming diversified sales and service channels including individuals, banks, and various innovative channels.

3.Although Xinhua Insurance is not as well-known as Ping An and China Life, it can be regarded as a long-established insurance group in China.

4.The full name of Xinhua Insurance is Xinhua Life Insurance Co., Ltd., which is an insurance company established in June 1996 with a registered capital of 3.1 billion. Not only that, as a veteran large company, Xinhua Insurance also has a strong solvency, with a comprehensive solvency, a core solvency and a comprehensive risk rating of A.

Further information: New China Life Insurance Co., Ltd. (hereinafter referred to as New China Insurance Company or New China Life), founded in September 1996 and headquartered in Beijing, is a large-scale life insurance company. In 2011, New China Insurance was simultaneously listed on the Hong Kong Stock Exchange and the Shanghai ** Stock Exchange, with 601,336 A shares and 01,336 H shares.

In 2013, the company achieved insurance business income of RMB 100 million, the company's total assets reached 100 million yuan, achieved positive growth in premium income, and continued to maintain the top three position in the domestic life insurance industry. In 2014, the company achieved insurance business income of RMB 100 million, the company's total assets reached 100 million yuan, achieved positive growth in premium income, continued to maintain the top three position in the industry, and was shortlisted in the Forbes Global 500 for the first time in 2014.

New China Insurance is a reliable and regular company. Founded in September 1996 with the approval of the China Insurance Regulatory Commission, Xinhua Insurance Company is a large-scale listed national professional life insurance company, mainly engaged in insurance types including critical illness insurance, annuity insurance, medical insurance, comprehensive insurance, life insurance, etc. It is a national large-scale professional listed life insurance company.

Advantages of Xinhua Insurance:

1. The strength of the company.

Founded in September 1996 and headquartered in Beijing, New China Insurance is a large-scale professional life insurance company nationwide. In 2019, Xinhua Insurance had a premium income of 100 million yuan and total assets of 100 million yuan, and was listed in the Fortune China and Forbes Global 500 for many years. At the same time, in terms of the company's solvency, in the first quarter of 2020, the comprehensive risk rating result of Xinhua Insurance was Class A, and as of the second quarter of 2020, according to the solvency report of Xinhua Insurance, the core solvency adequacy ratio and comprehensive solvency adequacy ratio are higher than the regulatory standards of the China Banking and Insurance Regulatory Commission, which shows the company's strong strength.

2. Service quality.

Xinhua Insurance has the industry's first service cloud platform, and provides users with convenient, intimate and professional one-stop services with strong service capabilities, providing users with 7 plus 24 hours, remote intelligence, professional and efficient services, and continuously improving service levels through professional and efficient basic services and convenient and fast claims services, so as to ensure that users have no worries after sales in an all-round way. In addition, New China Insurance has also set up a Risk Management and Consumer Rights Protection Committee and a User Rights Protection Work (Affairs) Committee to protect the legitimate rights and interests of users in an all-round way, and proved its service concept to users with practical actions.

3. Rental product categories.

New China Insurance has a variety of insurance types, and a wide range of products can meet people's diversified protection needs, covering health insurance, accident insurance, home property insurance, car insurance, travel insurance, life insurance, etc., to protect users' health, travel and property safety. At the same time, the company's hot-selling products are many, cost-effective are generally high, have a good reputation among users, and win the user's favorite products with multiple times of protection, health and worry-free. It can be seen that Xinhua Insurance's products are constantly innovating and advancing with the times to meet the diversified protection needs of users.

Summary. The insurance company is reliable, and the insurance sold to you by the salesman is also reliable, because it is a contract signed with the company.

1. The person who sells is reliable or not, that is, what he introduces is true or not; 2. This insurance is suitable for situations that are not suitable for you.

It is still necessary for insurance, especially critical illness, and of course, the purchase rate is very high for people in their 50s. If this insurance is only for critical illness protection, and there is no such thing as dividends, then the place that needs to be paid attention to is the issue of liability.

For example, many salesmen will say that as long as the hospital diagnoses a certain critical illness, it will make a claim, but in fact it is not necessarily the case, you need to look at the details of the terms, the terms will list the serious illness items, and the relevant explanations, and only when the relevant explanations are met, the claim will be made.

For example, stroke is in the scope of claims, but it must meet the description of the terms, such as not being able to take care of yourself or something. If you are careful, you can find that the amount of compensation for critical illness is similar to the amount of compensation for death, so you should know that it is not as simple as making a claim for the diagnosis of that disease.

Buy Xinhua Insurance.

The insurance company is reliable, and the insurance sold to you by the salesman is also reliable, because it is a contract signed with the company. 1. The person who sells is reliable or not, that is, what he introduces is true or not; 2. This insurance is suitable for situations that are not suitable for you. It is still necessary for insurance, especially critical illness, and of course, the purchase rate is very high for people in their 50s.

If this insurance is only for critical illness protection, and there is no such thing as dividends, then the place that needs to be paid attention to is the issue of liability. For example, many salesmen will say that as long as the hospital diagnoses a certain critical illness, it will make a claim, but in fact it is not necessarily the case, you need to look at the details of the terms, the terms will list the serious illness items, and the relevant explanations, and only when the relevant explanations are met, the claim will be made. For example, stroke is in the scope of claims, but it must meet the description of the terms, such as not being able to take care of yourself or something.

If you are careful, you can find that the amount of compensation for critical illness is similar to the amount of compensation for death, so you should know that it is not as simple as making a claim for the diagnosis of that disease.

I buy Xinhua Insurance Additional Insurance Kangjian Huazun Medical Insurance, and I say that these two kinds cannot be reimbursed, can I buy them? That is, the cost of more than 10,000 yuan can be reported.

1.Insurance liability: policy maximum 2Specified Illness Medical Expenses Benefit: See contract for details.