Sunshine Insurance enjoys enjoying every year, paying 10,000 yuan a year, what is the cash value?

Sunshine Life's Xinxiang Annuity Insurance, with an annual payment of 10,000 yuan, does not have a definite value for the cash value, because the specific cash value is not only affected by the premium factor, but also by the insurance age, payment period, and protection period. If you want to know the detailed evaluation content of this product, you can stamp: Is Xinxiang Annuity Insurance really so good?

You'll know after reading this article!

The application age of Sunshine Life Annuity Insurance is from 30 days old to 55 years old, and there are five payment periods, namely single payment, 3 years payment, 5 years payment, 10 years payment and 20 years payment, and only one option for the benefit period, that is, until 0:00 on the first policy anniversary when the insured reaches the age of 88.

Therefore, if the insurance age is different and the payment period is not the same, the corresponding cash value will be different. Regarding the payment period, if you don't know how to choose, you can take a look at this article: How to choose the payment period so that you won't lose?

What's more, even under the same conditions, the cash value of each policy year is different, usually, if you buy Joy Annuity Insurance, there will be a cash value table at the back of the policy, and you can check your policy for the specific cash value. When you choose annuity insurance, you also need to learn to avoid these pits: learn this trick and stay away from 99% of the pitfalls of annuity insurance.

You can look at the contract, and the contract has one page, which is the cash value table.

I want to ask if Sunshine Insurance is worth paying 6,000 yuan a year? Whether the insurance is worth buying or not is not only depends on the amount of premium, but also depends on whether the insurance content is good, whether the compensation is large or not, and so on. Because the main purpose of insurance is to help people resist financial risks caused by critical illness, accidents, etc.

For example, a good critical illness insurance generally has highlights such as additional claims for critical illness and multiple claims for malignant tumors, which can provide more adequate protection for the insured. If you still want to know more about the standards of good critical illness insurance, don't miss this article:

A good critical illness insurance policy looks like this! You've been lied to for so many years.

The amount of premium is actually related to factors such as the age of application, the content of the benefit, the payment period, the additional liability, the gender, the duration of the insurance, the sum insured, etc. For example, a 20-year-old man, Xiao Liu, who is insured by Sunshine Insurance's i-Bao Whole Life Critical Illness Insurance (Internet Exclusive), with a lifetime protection period, chooses 500,000 yuan in insurance, and pays for 30 years, and needs to pay 6,150 yuan per year. This product covers critical illness benefit, moderate illness benefit, mild illness benefit, children's specific illness benefit, mild to moderate illness waiver premium, and death benefit.

The basic coverage for mild, moderate and severe illness is complete, and there is still additional compensation for specific diseases of children. Overall, the security is good. Space is limited, and if you want to know more about the evaluation and analysis of this product, you may wish to take a look at this article:

Is Sunshine iBao Internet Whole Life Critical Illness Insurance worth buying? These places need attention!

Sunshine Insurance Group is a fast-growing and industry-leading private insurance service group in China, with a number of professional subsidiaries in property insurance, life insurance, credit guarantee insurance, asset management, medical and health care, etc. It has been selected as one of the top 500 Chinese enterprises for 12 consecutive years, and its strength is relatively strong. So is Sunshine Insurance reliable?

What about Sunshine Insurance Company? Is the product worth buying? The most complete evaluation on the whole network!

In September this year, relatives came to the house and said that the company wanted customers to add the company's WeChat, and they could see the account dynamics. As a result, I saw that the balance of the personal account was only 2,100 yuan, which was different from the 3,000 yuan added to the personal account as mentioned before, and the 3,000 yuan was a serious illness and other insurance. Hurriedly took the contract as thick as the book, and looked for the basis for deduction, personal insurance costs, and each medical insurance content has a deduction, which accumulates with age, and there are three main list of guaranteed costs.

Unlike the previous 10-year payment, the cost of protection is deducted every year before the end of life. I was insured at the age of 40, and when I was about 60 years old, the 60,000 yuan paid in 10 years was not enough to deduct it, and if I lived to the age of 80, I would deduct 10,000 yuan a year, and when I was 70 years old, it would be about 7,000 yuan a year.

If the payment is not made, the contract will be automatically terminated.

In serious illnesses, many items need to be reimbursed after how many days after surgery, and the name of the operation is specified, if it fails to adhere to the specified number of days, it will be hung up, and only the death compensation is 120,000 yuan.

In the process of negotiating with Sunshine Insurance, the terms were different from the dictation, and I felt the company's indifference. Ask the WeChat customer service of the head office, how is the money in the account deducted? I was asked to consult a local company.

I went to the local company to surrender the insurance, and fooled me that I only paid for 10 years, and asked the customer service of the head office, which really made me speechless.

In the end, about 1,800 yuan was refunded.

In the future, resolutely avoid this life insurance company and remain wary of its peers. Because the terms of the oral contract and the paper contract were simply two contracts, at that time, the foresight was the mainstay, and the words of the relatives were believed, and the contract was not carefully studied, resulting in a small loss, but it was much luckier than having to pay 20.3 million yuan later.

My friend recommended this insurance** to me for 50,000 yuan a year for ten years, I calculated a sum of money according to my life to 75 years old with the account document** sent to her to see, even 500,000 capital costs a total loss of 836,100 yuan, do you still want to buy.

No, no, it's just a matter of whether you have a need.

It is best to go to a larger insurance company to buy insurance, such as central enterprises, China Taiping, etc. Because buying insurance is to give yourself a guarantee for the future.

Life insurance is a kind of life insurance, which takes the life of the insured as the subject of insurance and the life or death of the insured as the condition of payment.

If you need more in-depth answers, you can click on the link below to receive an exclusive service where the insured transfers the risk to the insurer, accepts the insurer's terms and pays the premium. Unlike other insurances, life insurance passes on the risk of survival or death of the insured.

General life insurance is a term life insurance with premiums ranging from 10 years to life. The specific payment period depends on the amount of insurance you choose and the content of the insurance at that time.

The number of years you pay is also related to the amount of premiums you pay each year.

I bought this and said that I had to pay it for ten years and I had to pay it all the way to the age of 8o years old, and I had to pay it in the universal account, and I had to pay it if it wasn't enough.

Summary. Sunshine Life Golden Doll Children's Insurance Universal. This insurance covers critical illnesses and has a maturity benefit after maturity.

It provides mild and critical illness protection and critical illness protection, as well as critical illness protection of up to 120% of the basic insurance premium for leukemia that is prone to children.

It can also provide additional medical protection for hospitalization expenses and hospitalization allowance, and obtain high medical protection with a small premium investment, reflecting the true meaning of insurance.

At the important stage of children's growth, they can receive part of the funds from their personal accounts as education, wedding, and entrepreneurship funds to help them grow.

My son and I bought a Sunshine Life Golden Doll Children's (Universal) insurance to pay 6,000 yuan a year, and the insurance staff said at that time that it would only be paid for ten years.

Hello, the Sunshine Life Golden Doll Children's Universal Insurance you purchased for your son is to pay 6,000 yuan per year and pay for a total of 10 years.

Sunshine Life Golden Doll Children's Insurance Universal. This insurance covers critical illnesses and has a maturity benefit after maturity. It provides mild and critical illness protection and critical illness protection, as well as critical illness protection of up to 120% of the basic insurance premium for leukemia that is prone to children.

It can also provide additional medical protection for hospitalization expenses and hospitalization allowance, and obtain high medical protection with a small premium investment, reflecting the true meaning of insurance. At the important stage of children's growth, they can receive part of the funds from their personal accounts as education, wedding, and entrepreneurship funds to help them grow.

If the insurance personnel at that time had exaggerated publicity, you can report the situation to the insurance company, or you can call the ** of the 12378 Banking and Insurance Regulatory Commission to reflect the situation. After verification, we will be able to deal with you.

Summary. Sunshine Joy Annuity is a financial insurance, in addition to death protection, there are maturity payments, survival annuities, and life pensions can be received, of which the survival annuity can be received in the 5th year after insurance, and another major feature is that the policyholder can independently add premiums into the universal account to increase the compound interest principal of this annuity insurance. Sunshine enjoys the lowest interest rate guaranteed every year, which is safe and reliable from the perspective of financial management.

Hello dear! Sunshine Brother Shou Xin Xiang Annuity Insurance is a popular insurance product launched by Sunshine Life Insurance Company, and the protection situation is as follows: whether to pay dividends or dividends Whether to receive annuity survival pension There is a birthday pension There is a maturity insurance benefit There is an internal rate of return IRRIRR calculation conditions 30-year-old male pays 10,000 yuan per year 10 years to pay the 5th year to receive IRR until the age of 80

After the waiting period for the death benefit, the greater of the premiums paid and the cash value.

Sunshine Joy Annuity is a financial insurance, in addition to death protection, there are maturity payments, survival annuities, and longevity pensions, of which the survival annuity can be received in the 5th year after the socks are insured. Sunshine enjoys the lowest interest rate guaranteed every year, which is safe and reliable from the perspective of financial management.

The disadvantages of Sunshine Life Joy Annuity Insurance are as follows: low upfront yield and no waiver of liability.

Dear, there is no single insurance product that can be fully covered, or even most covered. Buying insurance is a kind of consumer posture disturbance, there is no product best, there is no worst, you can choose according to your budget and preferences, you will definitely choose the right insurance product for yourself.

<> hope it helps! Kiss!

Have any questions you can answer?

Summary. The formula for calculating the cash value is: cash value = insurance cost paid for the policy - expenses incurred by the insurance company to manage the policy - commission of the policy salesperson - expenses required to bear the insurance liability - surrender fee + interest generated by the premium.

The cash value is only useful when the policy is surrendered, and if the cash value is not of much use if the policy is not surrendered, the cash value of the policy can only be refunded for the corresponding number of years.

Sunshine Baby Whole Life Insurance Dividend-paying Type has paid two installments of 3,228 yuan per year for 9 years, what is the cash value.

Hello, if it is a ten-year cash value is around 29052.

There is a cash value table on the insurance contract, you can look at the cash value on the insurance contract, this is the accurate cash value.

The formula for calculating the cash value is: cash value = insurance expenses paid by the insurance policy - expenses incurred by the insurance company to manage the policy - commission of the policy salesperson - expenses required to bear the insurance liability - surrender fee + interest generated by the premium. The cash value is only useful if the policy is surrendered late, and if the cash value is not of much use, the surrender can only refund the cash value for the corresponding number of years.