Xiangrui life health insurance for 20 years, has been paid for 5 years, annual payment of 2912 yuan,

The original meaning of health insurance is to pay the insurance money of the insured person in the event of physical illness of the insured. At present, there are many types of health insurance on the market, which are mainly divided into critical illness insurance and medical insurance. So what's the difference between the two?

If you can't wait, you might as well click here:What is the difference between critical illness insurance and medical insurance? Are there any conflicts when making a claim?

If you are not in a hurry to use the money, it is recommended that you do not surrender the policy, the loss is very large, and if you need it urgently, you can borrow from the policy.

Surrender: The policyholder can bring his ID card, insurance policy, and savings card to the business department of the insurance company to fill in the surrender application!

1. Critical illness insurance

Critical illness insurance is essentially "loss of income insurance" and is a payout type. If you are unfortunate enough to suffer from a critical illness, you will be directly compensated by the insurance company, and we can not only use this money to make up for the loss, but also to use it for various expenses at home, and the financial pressure on the family will be temporarily relieved.

Nowadays, there are many critical illness insurance products on the market, in order to prevent everyone from stepping on the pit, here are also a few good products that I have selected for reference:"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

2. Medical insurance

Because there are certain shortcomings in medical insurance, we need to buy medical insurance as a supplement. The budget is more optimistic, and it is recommended to allocate a million medical insurance, which not only has a low premium, but also a high sum insured and comprehensive protection. Usually you can buy it for a few hundred dollars.

What if you don't know how to choose a medical insurance? Here's a dry deal for you:"Freshly baked:

The Top 10 Million Medical Insurance Rankings are finally here! 》

But then again, if we want to configure the right health insurance for ourselves, it is necessary to pay more attention

1.Pay attention to health notices

We need to take out insurance only through health notice, and if we conceal the illness or do not take it seriously when we make health notice, even if we are insured and the insurance company will not compensate for it.

2.Pay attention to the length of the waiting period

Health insurance products have a waiting period, and if the insured person develops a contracted illness during the waiting period, he or she will usually not be compensated by the insurance company. Most products on the market now have a waiting period of 90-180 days, and a waiting period of 90 days is relatively good for critical illness insurance, so we should pay more attention to the waiting period.

In summary, buying health insurance can reduce the economic impact of illness, and if the financial conditions allow, we should allocate a health insurance for ourselves as soon as possible. Hope!

Full refunds are available.

Circumstances under which the policy can be surrendered and refunded:

Reaching retirement age and not meeting the conditions for 15 years of contributions (full payment of the savings amount in the personal account);

Death of the insured person for any reason (personal contribution and interest);

The insured person settles abroad (personal contribution part and interest);

In the event of death after retirement, there is still a balance in the personal account (personal contribution and interest).

Information required for surrender:

Pension insurance handbook;

Original and photocopy of ID card;

Surrender application and related supporting materials.

Surrender Procedure:

The above information is complete, and the endowment, unemployment, and work-related injury management center shall print the one-time payment approval form for personal accounts in accordance with relevant policies and regulations;

Organizer: Pension, unemployment, work-related injury insurance ** management center. Scope of withdrawal of personal account personnel.

death in office; Insured persons living in rural areas; Persons who have not received the pension in the personal account of the deceased person after retirement; Duplicate enrollment.

Why do you want to return? Look at the cash value of the policy.

Summary. Dear, we're answering your <>

In 2017, China Life Xiangrui Whole Life Insurance paid 20 years of surrender how much, dear, can be refunded is according to the 20th year cash value table, to return the premium to you, the 20th year cash value table is your total premium times, for example, you have paid 200,000 premiums between 20 years, then you can take out 300,000 yuan at one time. <>

In 2017, how much is the surrender of China Life Xiangrui Whole Life Insurance after 20 years.

Dear, I am answering your <> for Dagao

In 2017, China Life Xiangrui whole life insurance paid 20 years of surrender how much, dear, can be refunded is in accordance with the 20th year of the cash value table, to give you a return of the premium, the 20th year of the cash value table is your total premium times, for example, you have paid 200,000 premiums between 20 years, and you can take out 300,000 yuan at one time. <>

Dear relatives, China Life Xiangrui Whole Life Insurance, belongs to Chinese Life Insurance shares ****, the insurance age is 28 days after birth - 65, the payment method is annual payment, single payment. Insurance liability: During the validity period of the contract, if the insured dies, the company pays the insurance money in full and the contract is terminated.

If the insured is a standard applicant, the insured can apply for a 20% increase in the sum insured at the end of each 5-year period of the contract, and the protection will be expanded. <>

If you buy it, don't return it, it's better than nothing! If you need money urgently, you can consider a policy loan.

Xueba said insurance, teach you to buy insurance for your children and not be pitted! This year, the comparison table of 136 hot-selling critical illness insurance for children aged 0-18 has been updated, now for free, click to claim now.

What insurance should I buy for my child?This problem makes many parents have no idea where to start, today we will take a good look at what kind of ideas and methods should be followed to buy insurance for children! Follow these three points:

First, the country's medical insurance must be handled.

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so it is necessary to handle the medical insurance for the child.

Second, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving priority to critical illness insurance + medical insurance + accident insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can pay a large amount of cash directly after getting sick, which can not only solve the problem of medical expenses, but also solve other associated problems, such as the delay in studies caused by medical treatment and some losses in subsequent life, which require a large amount of cash. Buying a pure protection critical illness insurance can solve these problems in the future.

Let's talk about why we need to configure medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan a year, you can buy an insurance amount of 10,000 yuan, which is cheap and useful.

Finally, let's look at accident insurance, it is very cheap for children to buy accident insurance, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, which can protect children from disability, death and medical liability caused by accidents, which is particularly practical.

Third, what insurance should not be bought for children?

Don't assign life insurance to your child, and try not to attach both liabilities to critical illness insurance. The specific reasons I know are in this answerDon't buy either type of insurance for your child! Comprehensive insurance strategy!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular insurance, about 1,000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"Xinhua Insurance auspicious supreme, the child is 7 years old, 20 years, annual payment of 4,960 yuan, and it is estimated that he can receive 27-280,000 yuan when it expires, is it really so good? "

Xinhua Insurance was founded in 1998, since its inception began to sell an auspicious more than two dividends insurance, the shortest insurance period is 10 years, which is also the only Xinhua since its inception has experienced the expiration of the insurance, at that time the salesman preached that this insurance is three years old, five years of premium double, but when it is really time to pay, some people in their 50s who bought this insurance (because if this insurance is bought in their 50s, they can only buy a ten-year period), For example, if the amount of insurance plus dividends received at maturity is 10,000 yuan, the premiums they pay are more than 10,000 yuan, that is to say, the amount of insurance due and the premiums paid are upside down, of course, there are certain factors in this, first of all, the policyholder is older, you are insuring your child, there will be no upside down problem, but it is undeniable that the salesman of Xinhua Insurance exaggerates the dividend rate of this product, because the dividend is uncertain, and there is no way to go**, So, there is no basis for telling you how much it is due.

I'll teach you a way, Xinhua's dividend is the insured dividend, and I'll give you a formula for calculating the insured dividend:

Sum insured * (1 + dividend rate) 20, where 20 is to the 20th power, that is, the number of years you have been insured, if the insurance you buy for your child is 100,000, and the average dividend rate of Xinhua in recent years is 1%, that is, 100,000 * (1 + 1%) 20 power = 12201That is to say, you can get about 120,000 yuan after 20 years, the formula will not deceive, and Xinhua's dividend rate in recent years seems to be about 1%.

Another point, Xinhua also has one of the most confusing is the final dividend, this is more evil, because the annual dividend can be seen at least every year, but this final dividend can only be seen after expiration, so it is even more exaggerated to him, just imagine, when your child's insurance is due, now no one in Xinhua will still be in this company, and now Xinhua is on the boss to scare the salesman, thinking about selling the insurance, no one considers the customer's future due interests. So you be cautious, I was an employee of Xinhua before, all I know about Xinhua's products, understand the way Xinhua buys insurance, and no one in Xinhua's internal employees will buy this kind of insurance. So think for yourself, and finally say that there is nothing bad about insurance, only what is not suitable, and this insurance of yours is a kind of compulsory savings, if you think too much about the due benefits, it is a big mistake

The role of insurance is protection, dividends can resist inflation, but dividends are uncertain, Xinhua Insurance is a company with dividends of insurance, the amount of insurance will grow, and the benefits will grow. It is recommended to buy rationally and have it with confidence.

Hello, this is just a ** demo income, can not represent the real future income, your future income is determined by the operating conditions of the insurance company, that is to say, the future may exceed 280,000, may also be less than 270,000. I believe that what you value when buying insurance is protection, and insurance is not a tool to make money. I hope my answer will help you.

Hello, dividends in participating insurance are uncertain, so the benefits are possible, but not absolute

Expiration and estimation itself is a very unreliable thing, when is the expiration. When you buy insurance, you will have a plan, please refer to the mid-range benefit presentation and the actual dividends when you refer to the plan.

Hello, insurance is not about income, the meaning is to have a certain economic security and economic future. Wishing you peace and happiness :)

Hello, the "Auspicious Supreme" you bought is 20 years, and how many years is it due? It is estimated that the benefits of the company's expiration demonstration are scientifically based and have been filed with the Insurance Regulatory Commission, not an unreliable demonstration, and according to Xinhua Insurance's past dividends, they are more than the demonstration benefits. However, when buying insurance, you still have to pay attention to protection, not to pay attention to benefits...

If there is both critical illness and surgical protection, and the premium is more than 5 times in 20 years, according to the development prospects of steady economic growth, it is unlikely to be achieved, and the economic boom, how much annual growth can be achieved in 20 years without calculating the cost of risk protection, and the interest rate will be more than 10?

Hello! Don't just focus on profits! Because insurance is not a tool to make money after all!

It only protects people's major illnesses, minor illnesses and accidents at the same time, and has a good income! Expectations are low, and disappointment is low! It also depends on the operating conditions of the insurance company!

According to the current state of development, it will not be bad!

Hello friends! Buying insurance is to pay attention to protection, and the benefits are uncertain. It is recommended to use the company's version of the conservative interest presentation as a reference, and it is a bit too high to expect that much at the end of 20 years!

Hello, the biggest feature of this product is double the value, independent compensation for critical illness, and uncertainty in dividends, so that your ** gives you a demonstration table of interests, although it is a medium and high dividend every year, but it is still dominated by mid-range interests.

Hello! Very happy to serve you! Auspicious Supreme is a dividend-paying insurance, dividends are uncertain, it is recommended that you refer to the interests in the plan to calculate the high, medium and low grades.

Hello! This is just a **, the specific amount needs to be distributed according to the company's annual profitability, seven-year-old children, it is recommended to give priority to health protection, and then do this kind of dividend-paying insurance.

Of course, it can't be so good, whether there can be 27-280,000, it depends on the annual investment status and dividend level of the insurance company, the dividend is uncertain, and there is no guarantee, so the final amount is uncertain. Therefore, 27-280,000 is just a hypothetical result.