Ping An Anxing Insurance Liability, China Ping An Anxing Insurance is good

The insurance liability of Ping An Anxing Insurance includes the maturity survival benefit and the death benefit. If you want to learn more about Ping An An's comprehensive insurance, you can read this article first: Is Ping An An's comprehensive insurance reliable? Can I buy it? The answer is in the text!

We can see that there is a calculation formula for the sum insured of Ping An An Xing's comprehensive insurance: sum insured = basic sum insured * number of installments paid for insurance premium*. The insurance company will pay the sum insured at the end of the term. The death benefit is paid based on the sum insured at the time of the unfortunate death of the insured.

So is this product good? Let's look at the insurance age first, this range is relatively small, most of the insurance on the market are 0-65 years old, and even some can be 70 years old. The second is that the guarantee period is single and not optional.

Generally, when applying for both insurance, we need to consider these questions: about both insurance, the salesman will definitely not tell you!

If you are an adult and want to reduce your risk by taking out insurance, you may wish to refer to this Q&A by the senior sister for configuration: How do adults buy insurance? Everyone should have their own plan.

Both insurance is generally life and death.

If the insured survives, how much maturity payment can be paid.

In the event of the death of the insured, several times the sum insured will be compensated.

Ping An Anxing insurance is good, but it is not suitable for everyone, if you are interested in this product, you can take a look at this information: Is Ping An Anxing insurance reliable? Can I buy it? The answer is in the text!

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As you can see from the above figure, the protection of Ping An Anxing Insurance is relatively simple, so is this product worth buying? After reading the following analysis, you will know. You can also take a look at this information first, which can be of great help to you when buying insurance:

Before buying insurance, you must first understand these key knowledge points!

1.The age range for insurance is small.

The age range of Ping An Anxing Insurance is 18-55 years old, which means that the maximum is only supported by people aged 55, which is very unfriendly to some people who are older but want to take out a comprehensive insurance to protect themselves. You must know that most of the insurance ages in the market are in the range of 0-65 years old, which shows that Ping An Anxing insurance is not so outstanding.

2.There are few options for coverage periods.

The protection period of Ping An Anxing Insurance can only be guaranteed for 20 years, which is not conducive to consumers to make flexible choices according to their own circumstances. In the market, some of the better insurance companies generally provide consumers with a variety of protection periods to choose from, such as 10 years, 20 years or up to the age of 70, etc., and the choice of protection period is much richer than that of Ping An Anxing Insurance.

Generally speaking, this product is not particularly outstanding, the senior sister still recommends that you make more comparisons before making a decision, if you don't know which insurance is suitable for you, you can also take a look at this article: [insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

If you are not mentally prepared, it is not advisable to buy both. Because you will be scared to throw out the insurance for 10,000 miles by the ** released by a certain voice, I personally recommend that you buy protection and buy special financial management for financial management. Both insurance is recommended for those who do not have enough money and those who do not know how to manage their finances.

The feature of Anxing is that it only needs to pay 8 years of premium, and 18 years of intimate protection; The insured survives until the expiration of the insurance period or dies, and the contract effectively pays 108% of the premiums paid, enjoying a full range of accident protection and accumulating a fortune. In the unfortunate event of death or dismemberment due to an accident while driving a private car, you will receive a traffic accident benefit equal to twice the basic sum assured, allowing you to travel with peace of mind. If hospitalization is caused by an accident, the maximum number of days of hospitalization allowance can be paid up to 90 days per year, and the hospitalization insurance period is long, and the commitment of 18 years will be kept. Accidental hospitalization allowance claims are easy, no original invoices are required, hospitalization certificates are provided, and there is no observation period and deductible period for accidental hospitalization.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

After the cooling-off period of Ping An Ruyi Insurance, there will be a financial loss if the policy is surrendered, and only the cash value of the policy can be refunded.

Surrender can be divided into hesitation period, chaotic surrender, normal surrender.

Surrender during the cooling-off period.

Cooling-off period surrender refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

Normal surrender. Surrender beyond the cooling-off period will be regarded as normal surrender. Policies that have received insurance benefits are not eligible for surrender.

Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application. The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.

In the insurance contract, in order to fulfill the contractual obligations, the insurance company usually needs to deposit a certain amount of liability reserves, when the insured requests to terminate or surrender the policy for any reason within the validity period of the insurance, the insurance company will return the balance of the deposit of the liability reserve minus the deduction of the termination to the insured according to the regulations, and the amount of this amount is the cash value of the policy.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The feature of Anxing is that it only needs to pay the difference of 8 years of premium, and 18 years of protection is intimately accompanied; The insured survives until the expiration of the distressed source insurance or dies, and the contract effectively pays 108% of the premiums paid, enjoying a full range of accident protection and accumulating a fortune. In the unfortunate event of death or dismemberment caused by an accident while driving a private car, you will be entitled to traffic accident benefit twice the basic sum assured, allowing you to travel with peace of mind. If hospitalization is caused by an accident, the maximum number of days of hospitalization allowance can be paid up to 90 days per year, and the hospitalization insurance period is long, and the commitment of 18 years will be kept. Accidental hospitalization allowance claims are easy, no original invoices are required, hospitalization certificates are provided, and there is no observation period and deductible period for accidental hospitalization.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

In 2019, Ping An launched another new product, "Ping An Travel Insurance", I don't know if you have heard of it. Today, how about "Safe Travel Insurance?" "This question, to make a simple one, hopefully can help a little.

1. Product introduction:

1) Issue age: 28 days old - 55 years old.

2) Insurance period: 20 years.

3) Payment method: single payment, regular payment.

4) Insurance: main insurance, safe travel insurance, and comprehensive insurance; Riders: Safe Travel Insurance, Accident Insurance.

2. Safeguard Responsibility:

1) Safe Travel Insurance: It is divided into maturity survival insurance and death insurance. Among them, if the insured is still alive at the end of the term, then the maturity survival insurance benefit will be paid according to the basic sum assured of the main insurance * 12 * number of payment years * 118% at the expiration of the term.

In addition, if the insured dies after the policy anniversary of 61 years old, the insurance company will also pay the death benefit accordingly.

2) Safe Travel Insurance Accident Insurance: including accidental disability insurance, accidental death insurance, self-driving, public transportation, aviation accidental disability or death insurance.

3. How about Safe Travel Insurance?

From the perspective of the content and duration of the insurance, Ping An Travel Insurance is still very good, suitable for business people or the pillar of the family.

That's all there is to know about "How about Safe Travel Insurance?" "of. Overall, it is a good product in terms of platform background and insurance liability. If necessary, you can go to the salesman to find out more about it and see if it is suitable for you.

Ping An Life's insurance products are relatively popular, but the products have more additional protection, so it is difficult to figure out in a short period of time without professional insurance knowledge.

<> Ping An Anhang Insurance Hail is a product underwritten by Ping An with the main insurance as an accident insurance. It provides protection for accidental death and survival, mainly providing accidental death insurance benefits, accidental disability or death special insurance benefits, accidental disability insurance benefits, premium returns, hospitalization additional insurance benefits and other source protection, and the specific protection is based on the provisions of the insurance regulations.

Summary. We are glad to answer for you, Ping An Anxing Insurance is a type of insurance that protects both survival and death, that is, you can receive a monthly return of insurance money when you are alive, and you can enjoy death protection at the same time in case of sudden accidents. Of course, this type of insurance also has certain restrictions, if it is a sudden sudden SI or due to a special occupation is prone to sudden accidents, the possibility of xing is larger, then the amount of compensation or the possibility of approval will be much smaller.

It cannot be covered for more than 30 years and must be between the ages of 18 and 60.

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Dear I am very happy to hold the hail to answer for you, oh, Ping An Anxing Insurance is a type of insurance that is guaranteed for survival and death, that is, when you are alive, you can receive a monthly return of insurance, in case of sudden death of Duan Suifan accident at the same time, you can enjoy death protection. Of course, this type of insurance also has certain restrictions, if it is a sudden sudden SI or due to a special occupation is prone to sudden accidents, the possibility of xing is larger, then the amount of compensation or the possibility of approval will be much smaller. It cannot be covered for more than 30 years and must be between the ages of 18 and 60.