How about the life life red on the red F paragraph

Hello: According to the situation you wrote, if the contract is lifelong, the insurance will be surrendered at the expiration of the payment period, and all the principal plus dividends will be refunded, which is a rare good product in the industry. However, it is worth mentioning that in addition to the guaranteed dividends, the actual annual dividend data is uncertain data for any company, because the company's annual investment income is uncertain, so the dividends to customers cannot be the same every year.

If you really want to buy commercial insurance, it is recommended to compare more, find a stronger company, add a professional and responsible person, and design the most suitable protection package for yourself. Policy surrender is generally a refund of the cash value (the contract has the surrender data for each year). The loss during the ten-day hesitation period is not large, and the cost of production is ten yuan.

However, surrender after 10 days is a refund of the cash value, unless dividends are awarded. I don't know if my explanation can put aside the doubts in my heart, don't be too nervous, thank you for the review.

First of all, you have to determine what the purpose of buying this is according to your own situation, insurance is generally a long-term financial plan, and the money to be used in the short term must not be used to buy insurance, and insurance is not for the purpose of making money, so I don't evaluate how this product is, but in this regard, the salesperson's words "no principal risk, the income is higher than the bank's regular term, and the policy can be surrendered at any time after the expiration of the payment period (refund all premiums plus all dividends)", there are misleading components, and the quality of many domestic sales personnel does have problems; If you really want to do financial management, you can leave QQ contact and I will help you plan!

Didn't you know that if you pay for 10 years, the contract period is for life? What does it mean to be alive, that is, the person who is protected is gone, it is for life. Then you yourself say that you will take it out in 10 years, what is that called? That is called breach of contract, called surrender, and it is impossible to have no loss!!

Buying insurance is buying safety.

Summary. Hello, I am helping you to find out the best answers right away.

Hello, I am helping you to find out the best answers right away.

You take the contract to the counter of Life Insurance.

You will also need to bring your ID to the front desk.

May 26, 2021 expires, I want to know how much I get?

It depends on what you agreed in the contract at the time and their business benefits. Operating performance will affect the annual dividend.

I've gone for it, but the interest rate is very low. It's not the interest I earn. How much interest should I receive?

How was the contract agreed at that time?

Or the marketer says the odds are high, and then the real benefit is low. You can complain about them.

At that time, the handling staff said that the minimum was more than 249,000. But now I'm only giving 180,000. A little more.

Where should I go to file a complaint?

Then sue them and you're sure to win. And it will also compensate you.

Court. Go to the insurance company first, they don't handle it. You can sue directly.

Can you figure out how much money I deserve?

Go to the insurance company first?

I've already gone through it to find out that it's unreasonable, so please ask you.

Did they say they would compensate you?

If they don't compensate, go to court and sue them.

It is recommended not to buy, I have bought this insurance, and I was fooled by the bank at the beginning, in fact, the high income is false.

The so-called universal gold account only has a return every 2 years, and the rolling income is very at least, dozens of yuan a year.

Let's say you pay $10,000 a year, let's calculate how much money you can get in the 5th year:

1. When you pay the fee for 5 years, if you surrender the insurance immediately (that is, the fifth year), according to the cash value table corresponding to the number of years in the contract, you can only get 39,000 yuan in cash and 5,100 yuan in return (3 times), that is, a total of about 44,000 yuan, and you still lose 6,000 yuan.

2. If you deposit money in the bank or buy wealth management products in the past 5 years, you can still get about 53,000 yuan at an annual interest rate of 3%.

Comparing the two, you have a net loss of 9,000 yuan. Then, I also calculated that if I did not surrender the policy after 5 years, the loss would increase by about 2,000 yuan for each additional year (compared to the existing bank).

The most important point is that the coverage of this insurance product is either death or total disability, which is too small, and the compensation is very small, and there is almost no value of the insurance product.

Maybe it's a salesman from another insurance company! Don't denigrate a company in any case! First of all, whether to buy or not depends on the individual!

Secondly Any kind of insurance has its benefits, and you dare to say that you will not have an accident in your life? Won't get sick and be hospitalized for the rest of your life? Unless you are God!

Some insurance products, such as the red f, are originally intended to be a compulsory savings measure! If you want to make more money, go into business! But does business guarantee you money?

Won't you lose? Then you go to the bank, you won't lose money by depositing in the bank, but you will take it out and use it when you don't need it, which means that you don't have a deposit! Bancassurance to put it bluntly means that you put money in it, and there is an extra profit while ensuring that your principal is not reduced, and you want to make a fortune by making a detour.

I recommend that if you want to buy insurance, it is best to buy 5% to 20% of your family's annual income, so that you will not be financially burdened by your family, and you will still get some protection! And buy a few more insurances to ensure that you want to be all-round, don't buy which one is good! Also, the products of each insurance company are actually roughly the same, the key is to look at the terms, the fewer the terms, the better!

Credible, but this product isn't very good.

Insurance can't be trusted, what else can you trust? It depends on whether you understand the terms and conditions, whether it is the kind of product you need. The others are all said by the in-laws.