The money can move after 10 years of outwitting life, and what to do after 10 years of outwitting li

Theoretically, it is.

However, the specific policy planning and the corresponding actual situation need to be combined.

In practice, for the sake of the continuity of protection and the validity of the policy value, it is generally not recommended that customers receive it too early or frequently, as the gains outweigh the losses.

It is recommended that customers seek help and support from the best people around them to conduct policy analysis.

Only by establishing the right concept and planning purpose can the policy be fully utilized.

The treatment method after 10 years of friendship is as follows:

1. If the payment period is 10 years, then the policyholder no longer needs to pay the premium to enjoy lifelong protection after the payment period;

2. If the payment period is 20 years, then the policyholder needs to continue to pay, and if he chooses to surrender the policy, he can only get back the cash value of the policy.

and termination of coverage.

Outsmart Life is a universal whole life insurance underwritten by Ping An Life.

The issue age is between 18 and 60 years old. Outsmart Life also includes an add-on Critical Illness Insurance.

Hassle-free accident insurance.

Worry-free accident medical insurance and premium waiver. The insurance liability is that if the insured dies, the "death insurance benefit" will be paid according to the insured amount at the time of death and the main insurance contract will be terminated. The death benefit paid includes the account value of the policy at the time of death.

The sum insured under the master contract is equal to the greater of 105% of the policy account value and the basic sum assured.

After 10 years of premium payment, the policy can choose to continue to pay or suspend the payment, as long as the account value balance is sufficient to cover the cost of protection.

Outsmart Life is a universal whole life insurance from Ping An Life Insurance Company.

Critical illness insurance can be attached.

Accident insurance, accident medical insurance and premium waiver, etc. It is characterized by flexible payment, optional premiums, and adjustable sum insured.

After 10 years of premium payment, you will have the following benefits:

1. The insured can apply for an increase in the basic insurance amount before the age of 65.

Only 1 application can be made per policy year;

2. You can apply for a reduction in the basic insurance amount, and you can only apply for it once at most per policy year;

3. If the insurance premium is increased on time, you can apply for an increase in the amount of the insurance premium paid on time to 10,000 yuan;

4. If the premium paid on time is not less than 10,000 yuan, the additional insurance premium can be paid at any time after the cumulative premium paid for the previous 10 years, and the additional insurance premium paid each time is not less than 1,000 yuan;

5. If the premiums paid in the previous 10 years are paid in total, the basic insurance amount will not be reduced when the payment is delayed.

Test your anti-risk index, experts will interpret it for you for free!

Hello dear! After 10 years of payment, Ping An Outsmart Life will be in the state and will no longer need to pay premiums, and can enjoy lifelong protection. If you choose a 10-year payment period, then you can enjoy lifelong protection after paying all premiums in 10 years, provided that the account value is enough to offset the cost of protection; If you choose 15 years or 20 years, you still need to continue to pay premiums until you have paid the premiums and you can enjoy lifelong protection.

Ping An Life Outsmart provides death benefits that pay the maximum of 105% of the policy value and the sum insured.

After 10 years of life, it is best to continue to maintain the policy until the insurance claim is settled, so as to get the corresponding insurance benefits.

Outsmart Life is a universal whole life insurance that provides death benefits, and cannot receive insurance benefits after 10 years, and can only obtain insurance benefits when the agreed insured event occurs, maximizing the insurance effect and income.

Full insurance payment refers to the expiration of the payment period and the completion of the payment obligation. The payment period is usually different from the benefit period, and the expiration of the payment period generally does not affect the coverage.

Extended information: Insurance refers to the commercial insurance behavior in which the policyholder pays insurance premiums to the insurer according to the contract, and the insurer bears the responsibility for compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or the insured bears the responsibility of paying insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

Type. 1 Fire insurance covers the loss caused by fire to property stored on land within a certain geographical area and basically at rest, such as machinery, buildings, various raw materials or products, household utensils, etc.

2. Marine insurance is essentially a kind of transportation insurance, which is the earliest insurance in various types of insurance business, and the insurer is liable for the loss of the insurance subject matter caused by marine hazards.

3. Cargo transportation insurance is a cargo transportation insurance other than sea transportation, which mainly covers the loss of goods in the process of inland, river, coastal and air transportation.

4 All kinds of transportation insurance mainly covers the losses incurred in the process of driving and parking of various means of transportation. It mainly includes automobile insurance, aviation insurance, ship insurance, and railway vehicle insurance.

5. Engineering insurance covers all accidental losses and personal injuries and property losses of third parties during various projects.

6. Post-disaster loss of benefit insurance refers to the insurance in which the insurer bears the insurance liability for various intangible loss of benefits that may arise after the property suffers from an insured accident.

7. Theft insurance covers the loss of property caused by robbery or theft by thieves.

8 Agricultural insurance mainly covers the losses caused by natural disasters or accidents caused by various crops or cash crops and all kinds of livestock and poultry.

If you pay for ten years, there are only two ways to withdraw money:

First, it is to take the insurance policy to the counter to apply for a policy loan.

Second, it is to handle part of the collection, let the salesman handle it or handle it in his own safe account.

This insurance is currently discontinued, but the rights and interests of consumers are not affected, but they need to pay on time.

Extended Information: 1. Ping An Life Superior Universal + Critical Illness Insurance Plan can provide various forms of life insurance and health insurance protection. Mr. Huang, aged 28, male, is insured by Ping An Outsmart Life Universal + Critical Illness Insurance Plan.

The insurance premium is 6,000 yuan for 20 consecutive years, and the premium is paid at the beginning of the policy year; The basic sum insured of the main insurance at the time of application.

300,000 yuan (guaranteed for life); The amount of supplementary critical illness insurance is 300,000 yuan (guaranteed for life); Additional worry-free accident insurance of 100,000 yuan (up to the age of 65); Additional worry-free accident medical treatment of 10,000 yuan (insured up to the age of 65).

Second, product features.

1. Deferred payment, no change in protection.

From the second policy year onwards, if you are temporarily unable to pay the premium on time, as long as the policy value at that time is sufficient to cover the cost of protection, you can choose to defer the payment of the premium and continue to enjoy the insurance protection. However, if the premium is not paid for 10 consecutive years, the benefit will be automatically reduced to 75%, and the benefit will be automatically reduced to 25% for more than 2 consecutive years.

2. High security, increase and decrease autonomy.

Ping An Outsmart Whole Life Insurance (Universal) has the characteristics of a wide range of basic sum assured options, and can flexibly increase or decrease the basic sum insured within the specified range according to the different protection needs at each stage of life, and adjust the proportion of protection and investment in a timely manner.

3. Investment guarantee and peace of mind.

To ensure the safety of capital investment, the annual interest rate of the policy value is guaranteed to be not lower than the annual interest rate.

At the same time, according to the individual's financial planning and needs, you can apply to pay additional premiums or receive part of the premium.

4. The value of the policy is transparent and open.

The settlement interest rate will be announced through the main **, and you can also inquire through the Ping An ** Center, Ping An E-commerce**, the customer service center of the branch and the insurance person, and the annual report of the personal policy will be sent to you to facilitate the information of the policy price.

5. Continue to pay and reward a lot.

From the effective date of this insurance, if the insurance has been paid for 5 years in total, 1% of the insurance premium for the cumulative 5 years will be rewarded; After 10 years of accumulation, 1% of the insurance premium for 10 years will be rewarded again; If the cumulative payment has been completed for 20 years, the cumulative 20-year insurance premium will be rewarded again.

There are two ways to withdraw money after paying for ten years of life insurance, take the policy to the counter to apply for a policy loan, or handle a partial collection, and let the salesman handle it or handle it in your own account.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating the insurance money for the property damage caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract. The subject of insurance is the subject of the insurance contract, which only includes the policyholder and the insurer. The insured, the beneficiary, and the policy owner are not insurance subjects unless they are the same person as the policyholder.

The function and significance of insurance mainly lies in the fact that it can provide necessary protection, carry out risk planning, rationally allocate funds, and have leverage. Insurance can provide protection for common accident, health, death and other risk factors, can reduce risk losses, and has the effect of preventing wind and prosperity; Individuals or families can use insurance tools for life planning and transfer possible risks in advance; Insurance has a certain investment nature, and can be passed on by designating beneficiaries, and is a tool for allocating funds; Insurance can exchange relatively small premiums for a higher sum insured, which is leveraged, so that the insured can obtain better protection.

The deductible refers to the amount that the insurance company does not pay to the policyholder within the deductible, which is the amount that the policyholder needs to pay, which is the threshold of insurance claims; The deductible of 10,000 yuan simply means that after deducting the reimbursement expenses of social security, the expenses that you need to bear are not compensated for less than 10,000 yuan, and you can only pay for more than 10,000 yuan. It enables the policyholder to enhance the sense of responsibility and reduce the occurrence of accidents, while enjoying the benefits of paying lower insurance premiums; Insurers can avoid dealing with a large number of small claims cases and save insurance claims costs for both parties, which is beneficial to both parties.

Outwitting life for 6,000 a year and ten years later, you can get about 50,000 yuan.

In the first year, after paying 6,000 into the account after deducting the initial fee and the guarantee cost of the year, there is 2,800 yuan. In the second year, after deducting the initial fee and guarantee cost, there is 4,300 yuan of cavity lead in the 6,000 account, and then 2,800 yuan in the first year. In short, 60,000 yuan was invested in ten years, and the initial fee was nearly 8,000 after deduction, and the insurance cost was 3,600 (100,000 critical illness + 100,000 death), and the remaining 40,000 was about 40,000.

This total is calculated based on a mid-range annual return of 3%. In 10 years, it will be about 50,000 yuan.

Benefits of Buying Insurance:

1. Compensation after the impairment of the working ability.

When you are unable to work due to an accidental injury. This is one of the benefits of other income** that cannot be disposed of. Ping An can provide a fixed family income.

2. Make up for the economic losses caused by diseases.

Man does not have the privilege of refusing to be sick. The huge medical burden is terrible, and the wise know how to prevent it. Illness is not scary. Getting involved in medical safety for yourself and your family is another benefit of avoiding major expenses.

3. It is exempt from being a tool for debt repayment.

Whereas, the self-owned cash of the general for-profit unit is limited. caused a flood of creditors, once the person in charge suffered a sudden accident. The embarrassing situation of shareholders withdrawing their shares one after another may make a usually magnificent company disappear in the blink of an eye.

Ping An can avoid being reduced to a tool for debt repayment and can be kept as a precious resource for a comeback. <>