How to pay the annual insurance clearance of Pacific Hongfu?

Excuse me; 1. Is the premium waived?

2. The reduction is not in the contract.

Hello. First of all, I would like to express my sympathy for the accident that happened in your family, and wish you good luck and a speedy recovery.

In addition, Hongfu Nian Nian is a very good type of insurance, as far as the current market is concerned, other companies have few insurance products comparable to this type of insurance. To be honest, whether it is a reduced payment or surrender, it is not cost-effective.

Article 6 (paragraph) of the insurance clause has a clear explanation, you can read it first, if you handle it, bring the ID card of the policyholder and the ID card of the insured and the policy contract, if it is entrusted to someone else, you also need to write a power of attorney, and go to the business counter of the insurance company to handle it.

In your description, you said that you were insured in 09 and have already paid twice, that is, you have already paid the premium for 10 years this year, and you are paying in 2011, so you don't need to be in such a hurry. There is a period of 60 days after the premium payment date, which is called the grace period, during which the premium top-up insurance is valid and will not affect any policy benefits. After 60 days, the policy benefit will be temporarily suspended, but if the customer pays the premium within two years, the insurance company will restore the policy benefit and the customer will still enjoy the original insurance benefit.

Hope mine can help you.

Reduced payment means that the sum insured is less to pay the premium!

The premium waiver is product-specific, and Hongfu does not have this feature every year, but you can apply for a policy loan or partially withdraw the account value!

Summary. 3. The age of receiving the birthday pension can be set at the 5 time nodes of or 80 years old, and one of the nodes can be selected as the beginning of receiving the birthday pension when applying for insurance. The pension can only be received once, and the total premium paid can be paid, and the time for receiving the pension can be decided according to the individual's circumstances.

Hello, dear, I'm honored to answer your questions, I'm the <> of Wenqutang Financial Research

Hello, Pacific Insurance Hongfa annual life payment methods are: 5 years and 10 years, thank you.

The specific analysis of the protection content is as follows: 1. Death If the insured dies or is totally disabled before the payment of the life pension, the total amount of insurance premiums paid or the cash value is greater; If the insured person dies or becomes totally disabled after the life benefit is paid, the insurance will be paid according to the cash value.

2. If the children's education reserve fund is insured before the age of 18, 9% of the insured amount will be received every year, and it will be received once a year until the age of 18 expires; If you are 18 years old, you can only claim it once. This kind of children's education savings is more suitable for those who have children at home and are relatively young. The younger you are, the more times you can receive it, and the more money you will receive!

3. The age of receiving the longevity pension can be set at the 5 time nodes of the lack of Li or 80 years old, and one of the nodes can be selected as the beginning of receiving the birthday pension when applying for insurance. The pension can only be received once, and the total premium paid can be paid, and the time for receiving the pension can be decided according to the individual's circumstances.

4. The blessing money is available early after the policy takes effect, and once a year, the insurance company will pay the blessing money according to 9% of the basic sum insured. If the insured amount of 10,000 yuan is purchased, then the blessing payment can be 10,000 times 9% equal to 900 yuan, and the insured can receive 900 yuan of blessing money every year.

Hongfu Nian Nian is a participating insurance of Pacific Life InsuranceBoth insurance is also known as life and death insurance, but there are some defects in this kind of insurance, you need to pay attention to: "About both insurance, the salesman will definitely not tell you!" 》

Let's take a look at what Hongfu Nian Nian covers with this comprehensive insurance:

One of the outstanding features of this insurance is that it returns quickly. After 2 years of insurance, you can start to receive survival insurance benefits for life, and the more you receive, the more you get, there is no upper limit.

However, fast return does not mean more return.

Take a 30-year-old man who pays for 20 years and pays 24,600 yuan a year as an example, the total premium is 10,000 yuan, but the survival fund is paid 9,000 yuan every two years before the age of 61, and the family responsibility is heavier before the age of 61, and 9,000 yuan is returned every two years, but there are still hundreds of thousands of dollars that are locked and cannot be accessed. The 9,000 yuan returned every year may just give a meaning.

The essence of Hongfu annual insurance is oneLife insurance, a good life insurance protects against death and total disability, but as Hongfu lacks protection for total disability every year. In fact, if a total disability accident really occurs, total disability will require more compensation than death, and you need to pay **, ** expenses, and maintain your own and your family's life will not be affected too much. Therefore, it is necessary to consider this aspect of risk if you purchase both insurance.

In addition, many people come because of the dividend insurance, and feel that this insurance has both returns and dividends, which is simply a sure profit. But don't think about dividends so well, because the opacity of dividends leads to complaints about dividend insurance every year.

Some people may wonder thatThere are dividendsIsn't that a good thing? Yes, yesYesDividends!

But there is also a possibility, there is no dividend. Whether there are dividends and how much dividends are shared, these are the internal secrets of the insurance company, and all the policyholder can do is to receive money according to the dividend notice every year.

Actually,Dividends are a distributable surplus in the profits generated by the insurance company throughout the year, and then dividends are distributed proportionally according to the share purchased by the policyholder. Generally speaking, the higher the sum insured, the longer the account lasts, or the higher the accumulated policy value, the greater the share. But if you want to know how much of the total share you have, it's hard to know.

。Founded in 91, Pacific Insurance has been listed in the Fortune Global 500 for eight consecutive years with strong economic strength. How to evaluate Pacific Insurance Company, mainly look at three questions:

1.Compared with other insurance companies, is it worth starting with Pacific Insurance's products?

The main products of Pacific Insurance are Jinyou Life, Children's Super Energy Treasure Enjoy Million, Xin Satisfaction, etc., I stayed up late last night to sort out the products of Pacific Insurance and sort out one"Seven Products Worth Buying for Pacific Insurance".。Friends who are interested in Pacific products can click on it to take a look.

2.In terms of service, is the level of Pacific Insurance high?

In order to provide consumers with a standard, the China Banking and Insurance Regulatory Commission (CBIRC) has rated the services of insurance companies according to indicators such as complaint rate, claims service, and business handling efficiency, with AAA rating being the highest and D rating being the lowest.

The ratings of Pacific Insurance are as follows:

Pacific Life has a rating of AA and is performing well. However, the rating changes every year, and next year will be different.

3.Is Pacific Insurance reliable?

Some people are worried that Pacific Insurance is unreliable, probably because they are worried about not making claims after buying insurance. This is easy to do, and the higher the ranking, the more reliable it is. I vomited blood before I sorted out a following:

The latest version of the top 10 insurance company list! You'll be able to see which companies are better than Pacific Insurance.

That's all for me"Pacific Insurance is blessed every year"

Hello Hongfu has been out of sale for more than half a year, you can buy it early, because it was later renamed Hongfu Life, which is also a reform of insurance after the update of the new insurance law last year, and the benefits have not changed much.

This is a type of financial insurance, which is mainly a financial management, so that our money can be maintained and increased.

The benefits are for you to talk about.

The first payment is a survival payment, which is 18% of the sum insured every two years for life.

The second bonus is 70% of the company's earnings to the client, which you can rest assured that the annual dividend report is higher than the plan.

The third blessing payment, starting at the age of 61, will return 18% of the premium every 5 years, and will return a total of 100% + 8% until the age of 86

5 times the sum insured for accidents and twice the sum insured for non-accidents.

What else do you want to ask can be asked in detail.

Li Yang, Business Director of Pacific Life Dalian Branch.

If you remember correctly, it should be a pension insurance, a few copies are not clear, depending on your age, you can surrender the insurance in the middle, but you will have a loss, it is recommended that this money is not left and not returned, it is nothing more than to let yourself spend more money when you are old, nothing bad.

The cash value is the amount that can be received if the policy is surrendered or the contract is terminated by the company due to a deductible or other liability. The so-called cash value of the policy, also known as the "cancellation refund" or "surrender value", refers to the value of a life insurance policy with a savings nature. The insurer usually reserves a liability reserve for the performance of contractual obligations, and if you surrender the policy in the middle of the policy, the liability reserve of the policy will be used as a refund for the termination of the contract.

The amount that should be reimbursed by the life insurance company when the insured requests to terminate or surrender the policy. In long-term life insurance contracts, the insurer is usually required to deposit a certain amount of liability reserve in order to fulfill its contractual obligations. When the insured requests to terminate or surrender the policy for any reason within the validity period of the insurance, the insurer shall return to the insured the balance of the liability reserve minus the cancellation deduction according to the regulations, and this part of the balance is the termination payment, that is, the cash value of the policy at the time of surrender.

In life insurance, due to the long payment period, as the age of the insured increases, the possibility of death will be higher and higher, and the insurance rate will inevitably gradually rise until it is close to 100%, such a rate is not only difficult for the policyholder to bear, but also the insurance has lost its meaning. For this book, insurance companies often use it in practice"Equalized premiums"Through mathematical calculation, all the premiums that the policyholder needs to pay are evenly distributed throughout the payment period, so that the premiums paid by the policyholder in each period are the same.

When the insured is young, the probability of death is low, and the policyholder pays more premiums than they actually need, and the overpaid premiums will be accumulated by the insurance company year by year. When the insured is old, the probability of death is high, and the premium paid by the policyholder in the current period is not enough to pay the current claim, and the shortfall will be made up by the overpaid premium paid by the insured when he was young. This part of the overpaid premium, together with the interest accrued therein, is accumulated every year, which is the cash value of the policy, which is equivalent to a kind of savings of the policyholder in the insurance company.

1. The effective date of the second contract refers to May 1, 2010. Since the survival benefit is from the second effective date of the contract, it is calculated from the second effective date. That is, the first survival payment began on May 1, 2010.

Instead of ten years after the trouble.

If the Insured survives, the Company shall pay the survival insurance benefit at the rate of 18% of the basic sum insured on the corresponding date of the effective date of the contract every two years from the corresponding date of the second effective date of this contract until the death of the Insured. The first instalment of the survival insurance premium shall be paid on the corresponding date of the second contract effective date of this contract. ”

2. The basic insurance amount of Hongfu is 1,000 yuan per copy, and if you want to buy 20,000 yuan, it is 20 copies.

If you buy from the age of 0, you will pay 564x20 copies per year in ten years = 11,280 yuan. Pay in five years, and pay 1063x20=21260 yuan per year.

If you buy from the age of 29, you will pay 767x20=15,340 yuan per year in ten years. Pay in five years, and pay 1396x20=27920 yuan every year.

3. Because the survival benefit is received until the death of the insured, the survival insurance benefit can still be received during the period of receiving the life benefit (please refer to the terms of your first article).

4. It is not % if the survival fund is not received

The basic insurance amount shall be agreed between the policyholder and the insurance company at the time of application, subject to the insurance company's insurance regulations at that time, and the agreed insurance amount will be stated in the insurance policy.

The basic sum insured, also known as the basic sum insured, is the basic parameter for calculating the final insurance liability of different insurance items under the insurance contract, and the sum insured is only one of the important factors to be considered when the parties agree on this basic parameter. In other words, the basic sum insured can be agreed by both parties to be equal to the insured amount, or it can be agreed to be greater or less than the insured amount, and even different basic sum insured can appear in different insurance items of the same insurance contract.

Call a customer service to go to your house to talk, when to explain when he can go, more worry-free.