China s Ping An Zhiying Life, Ping An Zhiyue Life

It is not possible to raise the full amount. You have saved 30,000 yuan in five years, and you can withdraw about 20,000 yuan, but it is recommended that you do not take it out if you are not in a hurry, this is also for your benefit. The true meaning of insurance is protection, the premium of 30,000 yuan and the financial income generated in five years are enough to do your lifelong worth and health protection, you just don't save money anymore and it is enough - hundreds of thousands of protection can basically let you sleep in peace!

I don't know your age, generally 30-40 years old people can save ten years to return to their roots. I don't know what you value, if it's protection, you can save it for 5 years; If you want to manage your finances, you have to look at the long-term returns. If you have the capital, save a few more years, and you can also add premiums for investment, which is much safer than buying ****, and much stronger than putting it to do shrinking bank deposits, so to speak, "sit and wait for the currency"!

If you need it urgently, you can take out a loan with the insurance policy, and the interest rate is very low.

There is a value and health protection, which is better than bank deposits; There is a large company financial management, which is more stable than buying **** by yourself; Having an insurance contract can force you to save a sum of money for retirement when you are young.

I think it's good, if you understand the importance of insurance, you don't have to care if you can take it all out.

Judging from the current situation.

1. Some of what your salesman said is wrong, such as "there will be dividends at the end of the year", this product is not dividend insurance, how can there be dividends? It's not relevant at all.

2. What everyone gave you here is not very correct. I looked at these, and they were all estimates, that is, they could be realized, and they might not be realized. No one can say who is wrong, but neither can they say who is right.

In fact, any insurance product can be divided into two parts in terms of function:

1) Terms and Conditions – For example, in the case of universal insurance, the terms state that you can withdraw the full amount of your account at any time.

2) Practical application - the withdrawal can be made, but whether the amount withdrawn meets your requirements, from your problem, your bottom line is to be able to withdraw all the premiums paid, then this has a certain requirement for time.

I guess you won't understand much when you say so much, in fact, I just want to tell you that the answer you get here is not enough to let you understand the product thoroughly.

Therefore, I would like to give you a suggestion: call 95511 and ask the company to send you a salesman (clearly requiring a non-signing salesman) to answer this product for you. At the same time, she was asked to bring the company's official proposal.

Through the data measurement and face-to-face communication of the proposal, I think it can help you answer your questions more effectively. And generally speaking, the company sends good salesmen.

It takes about 10-11 years to pay back. Surrender is only the cash value. If you pay 100,000 yuan for 10 years, there is no problem.

A high-quality insurance marketer should not vigorously promote his own products, but should consider the problem from the customer's point of view, analyze it from different age groups and physical conditions, be practical, practical and affordable, and let people spend a steel coin to have a steel coin of use.

Summary. To put it simply, the most basic component of Zhiyue Life is universal annuity insurance + additional life insurance + additional critical illness insurance.

Hello, "Tiger Says Finance and Taxation" is very honored to answer for you. Your question has been seen, and it is expected to reply to you within 5 minutes You don't want to be in a hurry, please wait a while

This is from the official website of Ping An of China, a brief introduction to Ping An's smart life. You can refer to it!

To put it simply, the most basic component of Zhiyue Life is universal annuity insurance + additional life insurance + additional critical illness insurance.

You can buy the right insurance according to your actual situation!