Jinyou Life Insurance Dividend 2854 Yuan 10 When to pay the money

Hello, this product is lifelong, that is, it is not a savings product that returns money. Lifetime products are given to the beneficiaries as an inheritance.

Jinyou Life is the ace critical illness insurance of the Pacific Ocean, which is highly sought after because it can pay dividends, but I think it is not cost-effective, and the specific reasons I have written about before:

"It's true that the Internet says that Jin You's life is not good? 》

You can take a look.

Let me list the advantages and disadvantages of Kim You's life:

In terms of advantages: 1) the setting of dividends makes the sum insured not so serious as the depreciation with inflation, but it has little effect;

1) As a veteran company, Pacific Insurance has a loud brand, many employees, and service efficiency has been in place.

Disadvantages: Honestly, there are a lot of disadvantages.

The premiums of Jinyou Life are really not cheap, and the dividends are even more uncertain, and more importantly, in terms of disease protection, Jinyou Life is still not worth recommending! There's too much content, it's too messy to show here, and I've written all the reasons in this one I know, you can take a look"It's true that the Internet says that Jin You's life is not good? 》。

To sum up, dividend-paying critical illness insurance has never been favored by me, even if the Jinyou life brand is loud, the cost performance is still worrying, it is recommended to buy insurance or to separate protection and financial management, in order to make the best use of each.

Hope, thank you!

The amount that can be refunded by surrender is related to these situations:

1) Full surrender.

Generally, only one of these types can be fully surrendered

1.Surrender during the cooling-off period.

There will be a hesitation period after the policy takes effect, if the policy is surrendered during the hesitation period, you can refund all the premiums, and the cost of about 10 yuan will be charged.

2.It is signed.

If some salesmen do not operate in a standard manner and the insurance contract is signed, the full amount can be refunded when applying for surrender.

3.There is evidence.

If there is evidence to prove that the person has violated the rules or has deceived the insurance element, in this case, the application for surrender can also be refunded in full.

2) Return the cash value.

If there is no longer a hesitation period at the time of surrender, only the cash value can be returned, and the cash value must be savings life insurance, such as endowment insurance, whole life insurance, term life insurance with a term of more than one year, long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, universal insurance and participating insurance, etc.; General accident insurance and one-year medical insurance have no cash value.

If you want to surrender the policy and want to know the cash value of the policy, you can read the contract or call the insurance company **, and the calculation can be calculated using the following formula:

3) Return cash value + dividends.

The cash value has been mentioned above, and here we will talk about dividends. Generally, it is divided into two parts, one part is to give the customer a fixed insurance premium, and the other part is to give the customer a fixed insurance premium, and the other part will be different due to the different operating conditions of the insurance company, which is uncertain and called dividends.

That's all for me"Jinyou Life Whole Life Insurance Dividend-paying A has been paid for 15 years in 2014, and 2850 has been paid for five years! I want to surrender the policy now! How much money can be refunded"** answer, hope to adopt!

1. About 11,400 yuan.

1.If the policy is surrendered during the cooling-off period, the insurance company will refund all premiums paid without interest and after deducting the cost of production, and if the policy is not surrendered during the cooling-off period, the insurance company will calculate the cash value of the current policy and then refund it after deducting the operating expenses. The longer the policy, the greater the proportion of the surrender amount, but the more benefits are actually lost.

2.For example, Mr. Wang has insured Pacific Jinyou Life, and it takes 10 years to pay 10,000 yuan per year, and if he surrenders the policy in the first year, Mr. Wang may only get 2,000 yuan, but in the 8th year of surrender, Mr. Wang may be able to get 60,000 yuan and lose 20,000 yuan, so that you can clearly see the proportion of compensation and the actual amount.

2. How to surrender the policy:

1.Before surrendering the policy, it is important to understand that the policy you have purchased has no cash value. The cash value of the policy, simply put, is the money that the insurance company will return to you when the policyholder surrenders the policy.

Generally speaking, endowment insurance, whole life insurance, universal insurance, and participating insurance have cash value, while short-term accident insurance, term life insurance, consumer health insurance, and home property insurance do not have cash value.

2.Secondly, you must know that if you surrender the policy during the cooling-off period, the insurance company will refund the premium in full, which can be said to be almost no loss. After the cooling-off period, the cash value can only be refunded.

The specific amount of money that can be refunded also needs to be determined according to the insurance life of the policy, and the longer the payment time, the more money can be returned.

3.In practice, when the policyholder surrenders the policy, the insurance company refunds a surrender amount according to the cash value table. In the first two years of purchasing a policy, the insurance company underwrites, makes the policy, settles the handling fee of the person, the salary of the employee and other insurance expenses are large, and the insurance premium refunded by the insurance company after deducting the handling fee is very small.

Even if the policy is surrendered after two years, the cash value of the policy will increase with the increase in premium payment period, but it will still be less than the premium paid.

4.In fact, it is the insurance consumer's own money that is withdrawn and retreated, so once you buy insurance and have protection, it is best not to give up the protection until you have to, otherwise, you will suffer a certain loss financially. Therefore, before purchasing insurance, you should fully consider and weigh it, carefully consider your insurance needs and affordability, and do what you can, rather than hastily applying for insurance and surrendering it hastily.

About 70% can be refunded, because after all, the contract was signed, so it is impossible to completely refund you. What's more, it's already good to be able to give you so much back.

Under normal circumstances, it is possible to refund about 80%, because after all, the contract has been signed with the other party, but there will definitely be some liquidated damages if you want to breach the contract now.

You should be able to refund more than 10,000 yuan, and you must be charged a certain fee, according to your type of insurance and premium, to determine the proportion.

You can take a look at what is stated in your insurance contract, general insurance cannot be surrendered halfway, or you can ask the insurance specialist.

Summary. Jinyou Life Whole Life Insurance 2017 Participating Type is a whole life critical illness insurance of Pacific Life Insurance with dividends, and it is a cash dividend (dividends are uncertain<>

Jinyouren Zhengxiangsheng Whole Life Insurance 2017 Participating Type is a bucket-type lifelong critical illness air clearing insurance of Pacific Life Insurance with dividends, and it is a cash dividend (dividends are uncertain<>

Because the main insurance of this product is life insurance, with additional early payment for critical illness, it is said separately

1. Death or total disability insurance benefit: 1:

Death or Total Disability during the Waiting Period: Refund of Premiums Paid 2: Death or Total Disability After the Waiting Period:

Death or total disability before the age of 18: Return of premiums paid Death or total disability after the age of 18: Sum insured (including dividends) 2:

Whole life insurance is a dividend-paying type of sum assured, and every year the insurance company will pay dividends of different amounts to increase the basic sum assured. (Note: dividends can be 0).

Form of Illness Benefit: 1: Critical Illness Benefit:

Covered diseases: 88 Claims Count: 1 Compensation refers to the amount of the Frank Hold:

Effective Sum Insured (including Dividends) II: Minor Illness Benefit: Covered Illness:

20 types Number of claims: 1 Amount of compensation: 20% of the effective sum insured (Note:

Weiqing mild illness is paid in advance, after the compensation for the mild illness, the amount of insurance in the main insurance should be reduced accordingly) 3: Minor illness Xinfan exemption: The insured is diagnosed with a mild illness during the payment period, and the premium will be waived in the later stage.

When the insurance will return the principal, it is written in the policy terms and conditions that your insurance name whole life insurance should not be able to get back the principal in full.

Jinyou Life is a lifelong insurance, not a 10-year insurance, 10 years is just a payment period, and the end of the payment period just means that you don't have to pay any more, but the protection continues to exist, when the insured accident occurs and when you get a claim.

If you choose to surrender the policy after the end of the 10-year payment, the principal will of course be lost.

Summary. Hello dear! No, you cannot.

Jinyou Life 2017 participating insurance protects the insured, and if the policyholder dies, there is an additional policyholder waiver, which can be exempted from paying the later premium, and the principal cannot be recovered. Only the death or illness of the insured (the type of illness listed in the policy) can receive the sum insured + bonus benefit, and the sum insured can be greater than the premium.

Hello. I bought my partner the Pacific Gold Bless Life.

Now my subject has died unexpectedly.

How do I file a claim?

Hello dear! No, you cannot. Jinyou Life 2017 Participating Insurance protects the insured, if the policyholder dies, there is an additional policyholder exemption, you can be exempted from paying the later premium, and you can't get back the principal.

Only the death or illness of the insured (the type of disease listed in the insurance policy) can get the sum insured + dividend compensation, and the sum insured can be greater than the premium.

How much can be claimed.

What does it mean. Pacific Jinyou Life Whole Life Insurance (Participating, Section B) 2017 version of the claim process: report the case in time after the accident.

After the accident, you should call the insurance company ** in time to report the case, inform the insured of the ID number or policy number, and the customer service staff will ask about the accident process, the current situation, the relationship between the reporter and the insured, etc., and tell the family to know the follow-up claim service arrangement. Statute of limitations requirements: The statute of limitations for life insurance claims is generally 5 years, and for health insurance, it is generally 2 years.

It is written in the contract that after the case is filed, prepare the relevant information required for the claim, and wait for the insurance company Huisui Wang Si to analyze the specific situation of the claim.

After the insurance company reviews the claim case, it determines the insurance liability and compensates for it; After receiving the claim materials, the insurance company generally reviews the relevant materials within 5-10 days. If there is no problem with the documents, the insurance company will issue a claim notice within one week. Cooperate with claims investigations.

The insurance company will go to the hospital to investigate the medical records, meet with the attending doctor, and verify the cause of the accident and the process. It is also necessary to check past medical history, medical insurance records, physical examination records, the hospital where the household registration is located, and the hospital where you are resident and so on. Finally, it is necessary to check your insurance situation in other insurance offices to rule out the possibility of insurance fraud.

Of course, not all of these should be checked every time. The amount of the claim is small, there is no problem with the information, and the money will arrive in the account at a moment's notice. However, if these situations are encountered, the insurance company will definitely conduct in-depth and strict inspections

1. There is an obvious past medical history in the claim information. 2. Accidents occur as soon as the waiting period expires; Death or critical illness, within two years of purchase; 3. If you buy products from multiple insurance companies and the insured amount is particularly high, you are worried about the suspicion of insurance fraud.

Call ** to report the crime.

I have bought the 2014 version of the Golden Life Dividend for more than 6 years, I want to surrender the policy, how to refund?

If the policyholder is sure to surrender the policy, he can bring his ID card, insurance policy, and payment voucher to the business hall of the insurance company to fill in the application form and handle the surrender. 1. If you purchase Jinyou Life Insurance and surrender it within 6 years, you can only refund the remaining cash value. 2. The value of the remaining cash is not a fixed number, nor is there a specific percentage.

The cash value is related to the annual premium paid, the payment period, and whether there has been a claim. 3. Surrender in the middle of the policy is relatively loss, and the loss is relatively large, so it should be considered carefully. 4. If it is convenient, you can take a picture of your insurance policy and cash value table and send it to me, and I will give you a rough estimate.

Pacific Golden Life is a participating critical illness insurance, generally speaking, there are four types of payment periods: 5 years, 10 years, 15 years, and 20 years. It is true that the principal can be withdrawn after the expiration of the payment period, which can be withdrawn in installments or in a lump sum, but applying for withdrawal means that the contract is terminated.

The termination of the contract means that the insurance company is no longer obligated to pay the claim, and if the insured person is unwell in the future and needs to make a claim, then the insurance company will not pay the claim. Therefore, it is a very unwise decision to withdraw the principal and it is recommended not to do so. Buying insurance is just "just in case", and it is not easy to pay the deadline, and then it is time to enjoy the rights and interests, and then take it out Isn't it impossible to get anything?

For example, a woman buys insurance at the age of 22 and pays a premium of 3,000 yuan per year for 20 years. When the premium is paid at the age of 42, if it is calculated according to the age of 80, there are 38 years left to enjoy the benefits. But once it is removed, it means that the risk of disease for the next 38 years will have to be borne by itself.

At that time, he was already 42 years old, and he had entered a period of high incidence of disease, and the probability of getting sick was relatively low because of his youth during the premium payment period. The later the disease, the higher the probability of getting sick, and the insurance salesman will also explain the pros and cons to the insurer, which is not recommended. If you pay 3,000 per year and 20 years, the total principal is 60,000 yuan, even if you apply to withdraw the principal, you can't actually mention much more.

Because insurance is calculated based on the cash value, the value of the principal is really nothing compared to the benefits enjoyed. Nowadays, there are many platforms where you can buy insurance, and you can also buy it online, so be sure to check the terms carefully when making a purchase. If you have a history of illness, it is best to inform in advance, or do a good job of informing about the disease, and do not try to hide it.

If you conceal your illness at the time of purchase, if you are found by the insurance company in the future, it may affect the outcome of the claim.