How about Ping An Insurance s new Century Talent product?

Hello, I am Ping An Account Manager in Beijing.

Seeing you ask such a question, you should have heard others mention this product, but in fact, there is no good or bad product itself.

But I think you should know the following features of this product.

First of all, this product is a children's product, but the money you deposit is mainly for risky investment, (there are 4 sub-accounts in this account, and the risk is different).

The money you deposit into this account is not principal-protected, and its income rises and falls with the ** situation in our country, if ** falls sharply, your principal will also lose money, and it should be noted that this product is subject to deduction of fees.

Hope it helps.

This is an investment-linked insurance! Investment-linked insurance is the most risky type of life insurance for the policyholder, which mainly means that the policyholder and the insured directly bear the investment risk. Nowadays, investment-linked insurance is no longer the mainstream of the life insurance industry, and I don't know why Ping An is promoting investment-linked insurance at this time.

Is the risk high?

But there are still a lot of people doing it.

High risk and high return are the same The key is to see if you can afford it.

ILAS is a risky investment made by an insurance company for you.

If you can accept ** but don't have the time yourself, ILAS is also a good option.

The dividends of insurance companies are based on the profitability of each insurance company, which is dispensable and has obvious uncertainties.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Surrender is calculated based on the cash value of the current year, which is not only the case for life, but also for all insurance companies in the country.

Surrender is calculated based on the cash value stated in the contract. On the first few pages of the insurance contract, there are several statements about the cash value. At this time, you see what amount corresponds to the nth year, and the above is the result of how much you should receive.

Generally, the longer the time, the smaller the loss, after all, it is all paid, and you also have this protection, it is recommended that you return it cautiously.

In addition, if you surrender the policy early, you will definitely not get back the premiums you paid.

The surrender procedures include: the insured's ID card, the original contract, the insurance company's cooperative bank account (the insured), and the surrender application form can be resolved by applying to the local company's service center.

Therefore, it is generally only possible to withdraw about 10---30% of the premium, which is certainly not cost-effective.

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

A very loss-making event when the policy is surrendered.

15% for children alone, which is a bit much...

The standard is that all insurance accounts for about 10 20%.

The strength of insurance lies in protection, financial management is a weakness, and financial insurance is basically not as good as a 5-year bank deposit (at least 25 years).

Many people buy insurance in the hope of getting some return from it, often not as they wish, and finally cry out, and you can see such posts on the Internet every day. In fact, the strength of insurance lies in protection, and financial management is the weakness.

Introduce a simple and operational way to buy insurance: choose consumer-based critical illness insurance, medical insurance, term life insurance, accident insurance and other real protection products, and they are all main insurance, not additional insurance; If you don't pursue uncertain factors such as dividends and financial management, you will be right, you will not regret it in the future, and it will not cost much and have strong protection. Suitable for all kinds of customers with different incomes.

Then it's okay to retreat.

Whoever asked you to refund, in the future, the child will go to college, and the tuition will be asked to him.

It's not much, just let him support 3,50,000.

You're a friend, you don't have a backache when you stand and talk.

The child will definitely go to college in the future, and it is also a deposit in the bank, of course, it is more cost-effective to buy insurance.

The only mistake upstairs friend has already mentioned.

Buying insurance should be adults before children, and the baby's expenses have accounted for 15% of the family's income, which is indeed a bit higher.

Pay it first, I really don't have any money, so I will take out the 3600+ annual dividends returned every 3 years and use it.

Try not to use this money, after all, put it inside, Ping An will give you compound interest at 4%, which is much higher than depositing in the bank).

I'm telling you, don't expect to make money by depositing in the bank and managing your own money.

In the past few years, 9 out of 10 people who manage their own money have lost money, and one will definitely lose money in the future.

Zhang Weijian knows that in 97, he listened to the persuasion of his friends and vigorously invested in real estate.

As a result, for 12 years, he still has tens of millions of yuan in debts that have not been paid off.

It's still the same sentence, who asked you to withdraw, and when the baby goes to college in the future, you will directly ask him for tuition.

Your age is the stage of primitive capital accumulation, and it is indeed good that you can have this insurance awareness. Based on your brief information, you can see that you still have a plan for your future. Buying insurance scientifically should (1) adults first and then children, because adults are the economic pillars of the family, the umbrella of the family, and the insurance of the family. (2) Protection first (accident, medical treatment, critical illness) and then investment (pension, education, financial management, etc.), especially at your age, accident insurance must be considered, and there are many factors to consider when buying insurance reasonably

Age, gender, annual income, annual expenditure, annual balance, what are the current guarantees, whether there are loans, whether there are investments (**, **, bonds, real estate, etc.), children's education, support ...... for the elderlyIt is necessary to design the scheme according to these reasonable plans, because the insurance is paid for more than ten or twenty years. So don't let these uncertainties affect our future quality of life. Be sure to consider comprehensive, because the insurance payment is directly linked to age, the older the age, the higher the cost, the shorter the protection time, and the scientific planning of insurance is to control the annual insurance at 15-20% of the annual family income, the amount of life insurance is 5-10 times your annual income, so as to reasonably avoid potential risks, AIA Jingling is willing to work with you to plan your insurance life!

For the sake of your child's insurance, your expenditure seriously violates the proportion of family assets, but it is recommended not to surrender the policy, the surrender loss is very large, just work hard for a few years to give the child a future!

Each family cannot spend more than 20% of their total income on insurance. If only children account for 15%, it is a bit much. But this product is really good.

Century Angel has the highest return rate among children's products. It's a great gift for a lifetime for your child. It is advisable not to return.

Ping An's Century Angel is indeed a good product, I suggest you don't consider surrendering, no matter what the reason for surrender is to lose, if you really feel pressure, then when you return the money, take out the money and pay the premium, so as to relieve the financial pressure, after all, the Century Angel is not only the accumulation of education funds, it also has the function of protection, to the child 18 years old the amount of insurance tripled, the insurance itself is a forced savings, if we do not save this money for the child, Maybe the money was spent somewhere else.

The reduction is paid in full.

It's a hundred. And there are guarantees.

Don't retreat, if you retreat, the loss will be great, just for the sake of the child.

1 20 years 6100 per year = 122000 yuan, you return 5200 yuan each time in three years, which is equivalent to returning the times (122000 5200 = you can get back your capital (not including your interest "You have interest in the bank"), your son bought it at the age of 6 today, took it for the first time at the age of 9, and returned it to you 23 times at the age of 75, which means that you will not get back your capital until you are 75 years old.

2 Your son bought it at the age of 6 today, and it will not mature until he is 26 years old, if you keep the money in the bank (I will save it from the age of 26), you will spend a total of 122,000 yuan in 20 years, according to the current deposit interest rate (the interest on the whole deposit and withdrawal is every five years. If (according to the fact that you don't get back your capital until you are 75 years old) the money is deposited in the bank for a total of 49 years from the age of 26 to the age of 75, the interest on your deposit is the interest of the year) 10 (saved for 49 years) = the interest on your deposit is more than 100,000), 3If you are between the ages of 6 and 26, you deposit your money in the bank and the interest on deposits between the ages of 26 and 75, and I haven't added the interest yet. You want to lose as much as you want!

4.If you have to surrender the policy halfway, you will lose even more! You can only get back about 4% of your principal. (Deposit the money in the bank and you can take it out at any time with interest).

You should know whether to buy it or not!!

Century Angel dividends and dividends receive survival funds every 3 years, so high school and college entrepreneurship marriages cannot be received, only dividends and survival funds can be obtained! This type of product will be repaid in about 20 years!

According to the provisions of China's insurance law, the relevant interests and responsibilities salesman should be explained in detail when the customer handles it at that time, otherwise it is a phenomenon of misleading the customer in violation of regulations and will be terminated by the company!

That's 12% of the sum insured every three years

You can choose to pay off the bonus amount and increase the sum insured.

Then the amount of survival money will be relatively increased.

After 20 years, there is no maturity payment.

The biggest difference is that there is a limit to the number of years to pay. As long as there is money in the account, enough to cover the cost, even if you only pay for one year, the contract will not be terminated. Century Tianjiao is different, it has to pay for ten consecutive years, and there is a two-year deferred payment time in the middle, and if the payment is less than ten years, the contract will be terminated if the deferred payment is more than two years.

Ping An Century Tianjiao is an upgraded version of the Century Winner, which is much the same, the initial cost is still the same, and the initial cost is the least compared with other products. The difference is that the payment time is not as flexible as it used to be, and it must be more than 10 consecutive years, and the second is that the payment can only be 25% of the account.

There is still a big difference.

First, the time of payment is not as flexible as it used to be, and it must be more than 10 consecutive years.

Second, the claim can only be 25% of the account.

Because the amount of insurance for children cannot exceed 50,000 yuan, the insurance amount of Century Angel can be 50,000, but 50,000 quick money is far from enough, so after the child becomes an adult, Century Angel will pick the child's insurance amount to 3 times the original insurance amount to give protection.

And then it's 12 percent every three years, which should be easy to understand, and it's 12 percent of the amount of the insurance for three years, for example, if you get 50,000 yuan, you'll be given 6,000 quick money in the third year, and you'll be paid every three years.

This is a form of dividends of insurance, for example, if you buy a child with an insurance amount of 50,000 yuan (the insurance amount in some cities such as Beijing can be 100,000, and the maximum amount in other regions is 50,000), then from the date of purchase, you can get 12% of the survival fund every three years, and the child can receive as long as he lives, in addition, the child dies before the age of 18 can get the premium paid plus interest, and there is a death compensation liability of 150,000 after the age of 18, and he also enjoys the right to dividend. However, I don't think this kind of plan alone is comprehensive, and more consideration should be given to accident and health care protection.

It is a type of insurance for children, with a minimum payment of 12,000 yuan, flexible payment, adjustable insurance amount, and fast accumulation of cash value, which is suitable for preparing education funds for children.

What is the best protection? Simple accident protection, who doesn't know that accident protection is the cheapest protection, dividends? Which insurance has less dividends, and this product has expired.

There is no maturity payment, just like the bank I deposited money to give interest, the principal is not given, the initial fee of the first year of Ping An products is the highest in the life insurance company, please Ping An peers do not advertise their own not very good insurance is good, you send out the most important insurance responsibility of the insurance contract to others, it is guaranteed an accidental death, and the protection of about 100 yuan is embarrassed to take out such publicity?