What is the Double Happiness Money Cabinet of Xinhua Insurance?

It is to pay for 5 consecutive years, and pay 5000 per yearYou can enjoy coverage for 20 to 30 years.

With a term of 20 years, you can receive 1% of 5,000 21 times and 25% of more than 25,000 4 times in these 20 years, but all the insurance premiums you pay will be returned to you in installments.

When we come to the bank to deposit money, don't we just want to be safe and secure? I have already made a copy of the money cabinet, and I also pay 500,000 every year. It's good to have a relationship for 5 years in a row.

It's not like I'm trying to save money. And I can get 500 21 times a year. I can still get a lot of money every 5 years, a total of 4 times, and my husband also praised me for living and running a family.

Just want to save money. We are blessed. The money locker is so nice.

I've been deceived, this broken insurance is lower than the bank interest! 1% of 5000 21 times, it looks good, but it's actually only a lot. 1000, what can 1000 do in 20 years!

Save 20 years and receive 25% of 25,000 every 5 years, these are not the principal you deposit, dare to ask the interest of this insurance in**! What's even more angry is that the salesman said that after five years, the principal and interest can be taken out to ensure that the income is higher than the bank, and now I asked this ** company to say that it will not lose money after 20 years! Prepare for the ......... of rights protection

You look good at asking this question and say, for example, you may not have purchased this type of insurance, your current approach is very right, insurance is a matter of decades or even life, so you must understand it, and you must make your own interests the most when you buy something.

Insurance is a long-term and stable income, is a long-term way of financial management, the money is stored here for the time being, is for the future use, if we use other ways we will not leave this money until that time, only here can.

The type of insurance you mentioned is to return 25% of the sum insured every 5 years, a total of 4 times, and then return 1% of the premium every year, as well as dividends, you can get the sum insured when you expire in 20 years, and all the benefits are 25% of the sum insured * 4 (about 50,000) + dividends + care annuity, and the benefits you get are 10,000. It won't be more than 60,000, it won't be more than 110,000. Only your insurance amount is determined, care annuity, dividends are uncertain, it is said that the benefits are so high are all from dividends, in fact, it is recommended to buy insurance to buy whole life insurance, the meaning of you buying term insurance is not the same as life insurance.

I have only heard the predecessors who have been doing it for more than 10 years said in the past few days that the previous term insurance had almost no benefits, that is to say, when it was deposited in the insurance company, it was 100,000 yuan, 20 or 15 years, and it was still 100,000 yuan when it was taken out, and there was no rise or fall. Therefore, as long as it is term insurance, the meaning is almost the same, but the advantage now is that there are more benefits, so that customers know that they are not making money here, and how to resist inflation.

It is recommended not to buy term life insurance, since we have deposited this money, it will be used later, but it must not be used now, if you deposit whole life insurance, you can also get the principal back when we say 20 years, and then this policy that has been with us until the old age will continue to return our principal and if you do not receive higher interest, because now insurance is compound interest, the longer the better.

Now the country's three major insurance companies Life, Ping An, and Pacific, these three largest dividends can also be guaranteed, and Xinhua is the fourth in the country, which can be regarded as okay, but their dividend demonstration is a little high, especially critical illness insurance. It is recommended to buy insurance carefully, and do not buy universal insurance.

You actually have a lot of uses for saving this money, such as your own pension, or children's education, marriage, and entrepreneurship, so if 10,000 for 5 years is not as good as 10,000 for 10 years, you can maximize the benefits.

If you have any other questions, you can consult in detail, or message me.

Li Yang, Senior Business Director of Pacific Life Dalian Branch.

Tell you clearly that it's the former, but the benefits should be a little more than 10,000. If the salesman tells you that it's the latter, you go and complain to him. He's misleading you.

Double Happiness is the collective name of a series of insurance products (mainly annuities) developed by Xinhua, and the money cabinet is one of them. The main role of this insurance is financial management.

Double happiness, full of money", Xinhua Insurance recently launched a new product - "Double Happiness Money Cabinet Annuity Insurance (Dividend)".

"Money Cabinet Annuity Insurance" is a kind of safe and secure, immediate return, long-term protection of the participating annuity insurance, which can effectively help you achieve education, pension, marriage and other life planning, and has a flexible collection function, is a good product for you to feel at ease and rest assured.

1. Gold account: Xinhua Insurance Company establishes a gold account for each customer, which can not only receive flexibly, but also accumulate interest, settle monthly, compound interest and appreciation, enjoy long-term enjoyment, and have higher benefits.

2. Money cow: double return, that is, return when handed. From the day after the end of the insurance period, that is, the corresponding date of the effective date of the policy each year, the care annuity will be paid at the rate of 1% of the first payment of the insurance premium, which will be included in the compound interest and interest-bearing provision of the fund account; On the effective date of the policy for each 5th anniversary, the basic sum insured + 25% of the accumulated dividend sum insured will be returned, and the compound interest will be calculated on the first state deposit account.

There is also a double dividend, the annual dividend increases the income, and the final dividend is added.

3. Safe: double protection, thoughtful and meticulous. Provide customers with double illness death insurance and accidental injury death insurance.

Double immunity, human care. If the insured dies due to accidental injury (aged between 18 and 60 at the time of death), or the insured person becomes totally disabled due to accidental injury or illness one year after the effective date of the contract, the subsequent insurance premium will be waived. The payment method is paid in one lump sum and 5 years, and critical illness insurance can also be attached.

You can also apply for a policy loan.

Xinhua Insurance Company won the title of "2008 China's Most Trusted Life Insurance Company in the Insurance Industry" with excellent quality, and achieved the first performance in the market of bank payment business with advanced management model.

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