Is Qianhai Life Jufubao Participating Insurance reliable?

Jufubao is a participating insurance company launched by Qianhai Life.

Endowment insurance is a type of life insurance.

Many people often talk about participating insurance.

Unreliable, but only part of the product, if you use the right method and successfully avoid the pit of participating insurance, you can buy participating insurance products with confidence. As for what the method is, I have summarized it for you in this article:With the right approach, you can also buy the right participating insurance

Back to the topic, I will analyze the product of Jufubao.

Not much to say, just put the picture:

As can be seen from the figure, the advantages and disadvantages of Jufubao are as follows:

1. Advantages:

Covers a wide range of ages: You can apply for insurance after 28 days of birth, and the latest insurance age is 69 years old, and the insurance age coverage is wide.

The death benefit is designed to be user-friendly18-40 years old and 41-60 years old are the times when the economic pressure is relatively high, and the death benefit amount is more in these two stages; After the age of 0-17 and 61, the financial pressure is relatively small, and the death benefit in these two stages is relatively small. The death benefit of this product adapts to the actual needs of different age groups and is more humane.

Survival money can be returned at the end of the period: This product is a comprehensive insurance product, if the insured survives after the expiration, he can receive a survival benefit.

Here is a key reminder that although both insurance can protect the death benefit, and the survival benefit can be received at the end of the period, there are still many places to pay attention to in both insurance, due to the limited space, I have summarized the matters to be paid attention to in this article:

There are many benefits of both insurance, and there are also many pitfalls

2. Disadvantages:

Short coverage period: This product is a short-term insurance with a coverage period of only 6 years. If the product is removed from the shelves after expiration, it will take time and effort to find the product again.

Dividends are uncertainGenerally, the dividend income of participating insurance products is uncertain, and the worst case scenario is that the dividend income is zero.

Summary:This product has both advantages and disadvantages, and if you fancy its advantages and feel that the disadvantages do not affect you much, then you can consider buying it.

No insurance product is perfect, and buying the right insurance is buying reliable insurance. This product is reliable for the right fit for this product.

If after the above analysis, you find that this product is not suitable for you, it doesn't matter, we suggest that you can relax the selection conditions, not necessarily dividends, both types of life insurance products, you can consider other types of life insurance, such as the following is very good:Top 10 Wealth Management Life Insurance Points Worth Buying! Hope!

Qianhai Insurance Jufubao must be approved by the China Banking and Insurance Regulatory Commission before it can be listed, so the product is relatively reliable. At the same time, Qianhai Jufubao is a comprehensive financial protection product, which mainly provides death insurance benefits, additional insurance benefits for accidental death of land and water public transportation and self-driving private cars, additional insurance benefits for accidental death of air and public transportation, and maturity insurance benefits.

Consumers must be clear about their insurance needs before purchasing, and buy products that suit them in a targeted and focused manner, rather than blindly pursuing products with comprehensive protection. At the same time, there is uncertainty in the dividends of participating insurance, and sometimes the dividends are even zero, which consumers must pay attention to.

Qianhai Insurance Jufubao is reliable, this is a regular insurance product, after purchasing this insurance, you can get the protection of death insurance, land and water public transportation and self-driving private car accidental death additional insurance, aviation public transportation accidental death insurance and maturity insurance.

When it comes to participating insurance, insurance experts with decades of experience say so! In order to avoid losses, we must pay attention to the next "Why do many people buy participating insurance but want to surrender it?" What are the tricks in participating insurance? 》

Qianhai Insurance, whose full name is Qianhai Life Insurance Co., Ltd., was established in February 2012 and is headquartered in Shenzhen, with a business scope of life insurance, health insurance, accident insurance and other life insurance businesses. reinsurance business for the above businesses; The use of insurance funds permitted by national laws and regulations, etc.

When you buy this insurance, you can consult the insurance salesman in detail to know its detailed coverage, and you can also consult the insurance company if you don't know. Moreover, individuals should also read the specific sections of the insurance contract in detail to know their rights and obligations.

Of course, Mint Insurance will give you more pertinent advice, Mint Insurance is a technology-driven third-party insurance service platform, online or face-to-face consultation at will, online sales or offline products are arbitrary, unrestricted, more neutral.

Reliable, as long as it is a regular product sold by an insurance company, it is reliable. Jufubao is a financial insurance with additional protection for death, and the contract will be terminated on the anniversary of the expiration of the payment period, and the survival fund will be returned at the same time, that is, the sum insured. The death benefit of this product is:

1-17 years old, 100% of premiums paid; 18-40 years old; 160% of premiums paid; 41-60 years old, 140% of premiums paid; Over 61 years old, 120% of the premiums paid.

The annualized rate of return of this product should be around. If you buy now, don't pay too much attention to dividends, the dividends of insurance companies do not guarantee returns, and it is good to have medium returns.

When buying financial insurance, you must make financial arrangements, which should be the money you will not use during this time, otherwise the surrender will outweigh the losses.

We all know that people's living conditions are getting better and better, and people's pursuit of their own health is getting higher and higher.

of protection,The principal can also be recovered after maturityHowever, we need to note that the returns may be relatively low.

If we want to get higher returns in our daily life, we can choose to enter the commemorative coin.

and other investment platforms, which are much more than the dividends of insurance, I hope everyone can know this, when we buy insurance, we should take accident insurance.

Or critical illness medical insurance.

and pension insurance.

Rather than choosing participating insurance, I hope everyone can know this.

Especially for young people, we must learn to save money, because we all know that the current era is an era of rapid development, and it is also an era of rampant materialism. Property has suffered losses, I hope everyone can be optimistic about their money bags, for the shareholders of insurance sales practitioners, we must also maintain their own principles, only in this way can we better ensure the safety of our property, I hope everyone can know this.

At the same time, we need to pay attention to the fact that in daily life, we must also learn to keep our eyes open and shop around, and then buy insurance, we must choose some qualified large companies when buying insurance, and we should also strictly review the insurance contract, because we all know that the society is developing very rapidly, and there are more and more types of insurance on the market, so we must choose an insurance that suits our own reality.

As long as the insured meets the payment standards of this product, the insurance company will pay according to the corresponding proportion, and there will be no such thing as refusal, unless everyone triggers the exemption clause; Whether the principal invested after maturity can be repaid depends on whether the 100% basic sum assured of the policy exceeds the principal.

How is Qianhai Life, what products are there, which ones are good, what are the pitfalls, and in-depth analysis.

So in the following time, the senior sister will introduce Qianhai Life's "Jufubao Insurance (Dividend)", not much nonsense, directly above:

1.Waiting period analysis.

As can be seen from the above figure, the waiting period of Jufubao Insurance (Participating) is 180 days, and the waiting period of this product is at an average level when looking at the entire insurance market.

However, it is important to note that there are some insurance plans on the market that have a waiting period of 90 days.

The so-called waiting period, also known as the "observation period", can be understood as the insurance company will not be liable for any compensation if the insured person is insured during the waiting period for non-accidental reasons.

During the waiting period, the insurance company will not pay? If you don't understand, you'll suffer a big loss!

2.Policy dividend analysis.

Strictly speaking, Jufubao Insurance (Dividend) is still a dividend-paying insurance, and I believe that many small partners are also aiming for dividends when they apply for insurance.

However, the terms of Jufubao Insurance (Participating Type) stipulate that during the validity period of the main insurance contract, the insurance company will determine the dividend distribution plan every year according to the actual operating conditions of the participating insurance business, but the policy dividend is not guaranteed.

That is to say, it is unknown whether we can get dividends every year, and even if we can get them, it is also unknown whether we will get more or less dividends!

Why are there so many complaints about participating insurance? Demystifying the mystery of participating insurance.

Qianhai Jufubao Insurance is simply a term life insurance that includes. Deposit role. and its financial management role of participating insurance.

Among them, the "comprehensive insurance" is reflected in the fact that if the insured dies within the protection period, he can make a claim and obtain a death benefit; If the insured survives safely within the insurance period, he or she can also receive a survival benefit. In other words, it will be paid out regardless of life or death. The second "dividend" income ** is a variety of fee differences, death differences, and price differences.

Many people are optimistic about dividends, but the contract states that the dividends are not known, and some of the deadlines are 0. Among them, the main data includes: the insurance period is six years.

You can buy insurance from 0 to 69 years old. The payment method includes a lump sum payment. Delivered in 2 years.

Three-year delivery. There are two types of death insurance benefits, and only one of the survival benefits will be paid. Two.

The characteristics of Qianhai Jufubao Insurance (Dividend-paying) Qianhai Jufubao Insurance (Participating) are characterized by relatively expensive insurance costs, uncertain dividends, and a relatively short protection period.

Qianhai Life Jufubao Dividend Insurance is still relatively reliable, and after expiration, you can get back all the principal you invested before, and there is an additional part of the dividend.

Reliable, you can generally get back the premium paid after the expiration.

Qianhai Life Insurance is a formal insurance company, and its insurance products have been reviewed and filed by the China Banking and Insurance Regulatory Commission, so you can rest assured. This product can get 100% of the basic sum assured at the end of the term, so whether you can get back the premium paid depends on whether the basic sum assured exceeds the premium paid.

Taking a 30-year-old man who has been insured for 5 years, paid 10,000 yuan a year, and paid for a total of 3 years, for example, he can get yuan at the end of the term and get back the premiums paid. Its dividends are uncertain and should be based on the actual operation of the participating insurance business.

So is Qianhai Life worth insuring? If you are interested, you can take a look: how is Qianhai Life, what products are there, which one is good, and in-depth analysis.

It's quite reliable, after all, this is a product of a large company. After maturity, you can get back the principal you have invested, and there is also a certain amount of income.

It is very reliable, because such a life insurance company is very reasonable and will not bully us, so the costs invested in the past can be recovered, because it will protect the principal and protect our basic rights and interests.

Personally, I feel that it is also more reliable, because this life insurance is also allowed by the state, and I personally feel that the principal should not be recovered.

Summary. First of all, participating insurance is not an ideal financial product.

One is because of its low yields. The other is because of the high cost of participating insurance.

Therefore, I do not recommend buying dividend insurance for ordinary people.

Is Qianhai Jufubao Insurance Participating Type 5 Years Reliable?

First of all, participating insurance is not an ideal financial product. One is because of its low yields. The other is because of the high cost of participating insurance. Therefore, I do not recommend buying dividend insurance for ordinary people.

Endowment insurance, also known as endowment insurance. It is a life insurance product that pays insurance benefits even if you die during the insurance period or survive at the end of the policy period. For example, if we buy a life insurance policy that covers us until we are 70 years old, if we die before the age of 70, we can get the death benefit, and if we live to the age of 70, we can also receive the survival benefit.

Bonuses are not guaranteed, and in the worst case scenario, there are none, be mentally prepared. There are generally two ways to distribute dividends: the first one:

Cash, that is, direct money. The second type: the sum insured.

Participating insurance is also insurance, there is a guarantee part, if there is a dividend in the current year, the insurance company will use the way to increase the sum insured to pay dividends, and customers can only receive it in the case of claims, expiration or termination of the policy. The first way to claim dividends: cash collection.

The second type: accumulation of interest, the first 5 years of dividends are not received, put in the insurance company, but also give a certain amount of interest as a return, at the end of the contract, together with the same period of full money or death + dividends + interest together.

For insurance like Jufubao, which has both full and dividends, I really don't recommend everyone to buy it.