The dispute over Taiping and Prosperous Changhong Insurance ???? 15

Disputes about Taiping Shengshi Changhong Insurance are common in claims disputes, that is, when the risk occurs, the policyholder is unable to make a smooth claim settlement due to the insurance company, resulting in disputes between the policyholder and the insurance company.

If there is a claim dispute, we must clarify what the cause is, and the common reasons include failure to truthfully inform the health of the claim, incomplete claim information, insufficient understanding of the terms, etc.

Let's return to the product itself, about whether Taiping Shengshi Changhong insurance is reliable? Let's take a look at the product diagram first

From the perspective of protection liability, this product provides accidental death or total disability protection, disease death or total disability protection, survival payment and policy dividends, you must know that the common insurance on the market, most of them are only the maturity insurance and death insurance, in contrast, the Taiping Shengshi Changhong insurance can give the insured a more comprehensive coverage of protection.

So, what is the position of Taiping Shengshi Changhong Insurance in the market? We can find the answer from this list: the list of insurance dividends is newly released! Is there one you like?

In addition, Taiping Shengshi Changhong Insurance is a lifelong insurance under Pacific Life Insurance Company, which means that we can enjoy the protection it brings throughout our lives, and we don't have to worry about a gap in protection.

However, not everyone can buy this product, and only people aged 0-58 are allowed to participate in the insurance, so friends who are not in this insurance age range will not be able to become the underwriting object of Taiping Shengshi Changhong Insurance.

And in terms of exemption clauses, Taiping Shengshi Changhong Insurance has set up 11 articles, compared with those with only 5 or 7 exemption clauses of the same type of products, the former provides a higher threshold for claims, which everyone should pay attention to.

Keep the change order, attach it to the original policy, and show the instructions if you need to make a claim!

The insurance company only issued a change order, "You said that you are talking about the change order for the age of the insurer issued by the Pacific Insurance Company, right?" Then it will be, there will be no problem.

This depends on your dividends, and there are terms and conditions;

Taiping Shengshi Changhong Insurance is a life insurance with dividends from Pacific Life, whether the product is good or not depends on whether the insurance conditions and protection responsibilities meet everyone's needs, today I will help you evaluate.

Not much to say, the senior sister first presented the product map of Taiping Shengshi Changhong Insurance:

At a glance, the product map of Taiping Shengshi Changhong Insurance is really dense, but we can analyze it from the following two dimensions:

1. Analysis of the age range of the insurance.

The age range of Taiping Shengshi Changhong Insurance is 0-58 years old, if you want to buy a comprehensive insurance for parents over 58 years old, then this product is unable to meet the corresponding needs. You must know that the maximum age of some insurance in the market is to support 70 years old, in contrast, Taiping Shengshi Changhong Insurance is not considerate enough for people aged 58 (exclusive) - 70 years old.

2. Analysis of safeguard responsibility.

As shown in the figure, the protection liability provided by Taiping Langsheng Changhong Insurance includes accidental death or total disability, death or total disability of illness and survival to the grip of the missing payment, in addition to this product also provides critical illness early payment, reduced payment, conversion of insurance rights and insurance premiums and other rights and interests.

In addition, we also need to understand this, that is, there are 11 exemption clauses of Taiping Shengshi Changhong Insurance, if any of the exemption clauses is triggered, then the insurance company does not have to bear the insurance liability, so no matter what type of insurance product, the less the exemption clauses, the better, so that the scope of compensation we can get is more extensive.

You're talking about bancassurance products.

Summary. Hello dear! Glad to answer for you :

The terms and conditions of the participating insurance are as follows: Insurance period This insurance is a whole life insurance. The insurance liability of this contract shall commence from 0:00 on the day following the insurer's agreement to underwrite and receive the first premium (if the insurance is insured within 90 days of birth, the insurance liability shall start at 0:00 on the next day after the 90th day of birth) and end at the time of termination of the insurance event specified in this contract.

Dividend distribution During the validity period of this contract, the insurer shall determine the dividend distribution plan for the current year at the beginning of each year according to the business operation of the insurance in the previous fiscal year and in accordance with the relevant regulations of the insurance regulatory authority, and distribute dividends on the corresponding day of the effective date of the contract each year.

Hello dear! We are glad to answer for you: the terms of the Taiping Shengshi Changhong Insurance Dividend are as follows:

Period of Insurance: This insurance is a whole life insurance. The insurance liability of this contract shall commence from 0:00 on the day after the insurer agrees to underwrite and receives the first premium (if the insurance is insured within 90 days of birth, the insurance liability of Luqin Qin shall start at 0:00 on the next day after 90 days of birth) and ends at the time of termination of the insurance event specified in this contract. Dividend distribution During the validity period of this contract, the insurer shall determine the dividend distribution plan for the current year in accordance with the relevant regulations of the insurance regulatory authority at the beginning of each year according to the operating conditions of the first business of the previous fiscal year of the insurance, and pay dividends on the corresponding date of the effective date of the contract each year.

Changhong Insurance is a value-for-money life insurance that can give consumers comprehensive protection, this product mainly provides protection for death and total disability, and also provides early payment for critical illness. 1. Death or Total Disability Benefit (1) Accidental Death or Total Disability: If the insured dies or becomes totally disabled due to accidental injury before the effective date of the contract at the age of 70, the insurer shall pay the death or total disability insurance benefit at 3 times of the insured amount, and the contract will be terminated.

If the insured dies or becomes totally disabled due to an accident on or after the effective date of the contract at the age of 70, the insurer shall pay the death or total disability insurance benefit at twice the insured amount, and the contract shall be terminated. (2) Death or total disability due to illness: 1. Within 180 days of the contract taking effect (reinstatement):

If the insured dies or becomes totally disabled due to illness, the insurer shall pay the death or total disability insurance spine payment at the rate of 10% of the insured amount of the simplified vertical infiltration, and return the insurance premium paid without interest (excluding the additional part after underwriting), and the contract shall be terminated.

Summary. Taiping Shengshi Changhong Insurance Participating Type, a total of two insurance liabilities: first, death or total disability of illness. Second, the survival fund is received. (Survival money is divided into congratulatory money and birthday money).

Hello, pay attention to the Taiping Shengshi Changhong insurance dividend, what can help you, please describe your problem more specifically, and talk to the teacher in detail, so that the teacher can better help you.

Taiping Shengshi Changhong Insurance Participating Type, a total of two insurance liabilities: first, death or total disability of illness. Second, the survival fund is received. (Survival money is divided into congratulatory money and birthday money).

Survival payment: Within 20 years of the effective date of the contract, the insured will survive to the corresponding date of the effective date of each 3rd anniversary, and the birthday congratulations will be paid, the first time is 2 of the basic insurance amount, and each subsequent payment will be increased on the basis of the previous payment of 3 of the basic insurance amount.

Life Grant: The insurer shall pay the life allowance according to the basic insurance amount on the corresponding date of the effective date of the contract when the insured survives to the age of one.

Hello, are you there?

Let's take a look at the insurance liability of this insurance first:

1. Death or Total Disability Benefit:

1) Death or total disability due to accidental injury: If the insured dies or becomes totally disabled due to accidental injury before the effective date of the contract at the age of 70, the insurer shall pay the death or total disability insurance benefit at the rate of 3 times of the insured amount, and this contract shall be terminated. If the insured dies or becomes totally disabled due to an accident on or after the effective date of the contract at the age of 70, the insurer shall pay the death or total disability insurance benefit at twice the insured amount, and this contract shall be terminated.

2) Death or total disability due to illness:

1. Within 180 days of the effective date (reinstatement) of this contract: If the insured dies or becomes totally disabled due to illness, the insurer shall pay the death or total disability insurance benefit at 10% of the insured amount, and return the insurance premium paid without interest (excluding the additional part after underwriting), and this contract shall be terminated.

2. 180 days after the effective date (reinstatement) of this contract: If the insured dies or becomes totally disabled due to illness before the effective date of the contract at the age of 70, the insurer shall pay the death or total disability insurance benefit at 3 times of the insured amount, and this contract shall be terminated. If the insured dies or becomes totally disabled due to illness on or after the effective date of the contract at the age of 70, the insurer shall pay the death or total disability insurance benefit at twice the insured amount, and this contract shall be terminated.

2. Survival payment: Within 20 years after the effective date of this contract, the insurer shall pay birthday congratulations to the corresponding date of the effective date of each 3rd anniversary of the contract for the insured person, which shall be 2% of the insured amount for the first time, and 3% of the insured amount on the basis of the previous payment each time thereafter. If the insured survives to the date of the effective date of the contract to one year old, the insurer shall pay the life allowance according to % of the insured amount.

3. Advance payment for critical illness:

1) Two years after the effective date (reinstatement) of this contract, if the insured is diagnosed with the critical illness specified in this contract for the first time (regardless of one or more), or undergoes the major surgery specified in this contract for the first time in a medical institution approved by the insurer (secondary or above medical institutions, the same below), and the average survival period of the insured is determined by the physician hired by the insurer to be less than 6 months based on medical and clinical experience, the insured may apply for advance payment of the critical illness in the amount of 50% of the death benefit after 6 months;

2) The application for early payment for critical illness is limited to one time. In all valid insurance contracts of the insured, this payment is limited to RMB 100,000. After the critical illness is paid in advance, the policy will not be surrendered, and the dividend distribution will not be participated;

3) After the early payment of critical illness, the payment standard remains unchanged, but the advance payment of critical illness must be deducted when paying the death or total disability insurance benefit.

According to the above insurance liability description, the maximum advance payment for critical illness in this insurance is 100,000. In the event of death, it depends on the amount of your insurance and specific situation, the amount of insurance is a foundation, the higher the amount of insurance, the more money you will get.