Urgently, sincerely consult professionals for advice, Ping An Insurance Zhiying Universal Insurance

Universal insurance is for you! Judging from your age group and family structure, you have the heaviest responsibilities right now, both old and young. One of the biggest highlights of universal insurance is "need-based form".

In other words, you can easily change your value with one account (you can increase the sum insured when the liability is high, and you can adjust the sum insured a little lower). Make a supplement to your own retirement. Then there is the fact that this account can be deferred (the unique charm of universal insurance), when we are short of money (such as a down payment on a new house, or a home renovation or a change of transportation), you can not pay the current year's premium, but that protection is still valid!

This is unmatched by other types of insurance. Let's go here first, and then you can talk about it in detail if you have any questions.

1. Since universal insurance charges an initial fee, the first year is 50% of the premium, so the account value has shrunk greatly, even if you are given 5% of the income every year, the account value in the first 10 years is basically negative, and friends who fancy the financial management function of universal insurance should not ignore this;

2. In addition, the protection cost of the basic sum insured and the critical illness sum insured is increasing year by year, and it begins to grow rapidly at the age of 60, so there will be no benefit from buying universal insurance after the age of 35; If you are a longevity star, you must pay a premium every few years after the age of 60 to keep the policy in force.

3. The strength of insurance lies in protection, financial management is the weakness, and the type of financial insurance is basically not as good as the 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.

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.

Hello, I am a person from Ping An Shandong, China. For your question:

First of all, at the age of 28, if you buy Zhiying Life for 15 years, this plan is still very good. High security in the early stage, and pension in the later stage. Remember to add some health insurance, such as hospitalization and accidents.

Secondly, for the first floor, regardless of the paste copy of the three-seven-twenty-one, express some views:

1) "After the initial fee is charged, the account shrinks, and the friends who value universal insurance financial management should not ignore it" "The strength of insurance lies in protection, financial management is the weakness, and the type of financial insurance basically cannot catch up with the 5-year bank deposit" The essence of insurance is protection, which I very much agree with. And when it comes to financial management, what are the three elements of financial management? Secure, profitable, flexible.

Then in the long run, the income of universal insurance is also possible. If it is held for a short period of time, it is not called financial management. That's called investment income.

2. In addition, the protection cost of the basic sum insured and the critical illness sum insured is increasing year by year, and it begins to grow rapidly at the age of 60, so there will be no benefit from buying universal insurance after the age of 35; If you are a longevity star, you must pay a premium every few years after the age of 60 to keep the policy in force. "After the age of 35, there is still a profit to buy Zhiying Life. For the problem that the policy cannot be maintained after the age of 60, when the cash value *105 is greater than the sum insured, the sum insured will be adjusted, so that the income of the policy is also very good.

And what you think is unsustainable is generally when the universal interest rate is as low as the guaranteed interest rate. Although this situation is not impossible, it can only be said that the probability of it happening is relatively small, and this is the case for peace, because we have faith in peace.

Having said all this, in fact, your original intention is good, but you don't agree with your cookie-cutter paste and copy. The point you expressed is completely understandable in the eyes of ** people, but it is difficult for customers who buy insurance to understand, and they will only think that this universal insurance cannot be bought. In fact, universal insurance still has to be decided according to each person's situation.

Finally, I hope my customers are a little helpful, if there is something you don't understand, you can communicate in detail through Hi.

1. It is recommended to choose Zhiying Life 6000 and make appropriate additional investment, because Magnum is deducted for life and paid for life!

2. It is reasonable to have an annual premium of about 10-15% of the annual income!!

3. Generally, children choose financial dividend-paying education funds, because the return on investment is better, the education funds, marriage, etc. are relatively complete, and a comprehensive accidental hospitalization medical treatment can be attached!

Xueba talks about insurance, focusing on insurance evaluation! I've sorted out all the universal insurance products you want to buy! I'm sorry for my dark circles if I don't show everyone".What are the top 10 universal insurances that are worth buying? 》

It seems that you don't know much about this product, so I'll analyze it in detail for you, I hope it can help you

The highlights of this product are the following:

1.Advance payment of critical illness insurance benefits. This is still a matter of conscience, and if you are diagnosed with a terminal serious illness by the hospital, the basic sum insured will be paid in advance.

2.Death benefit included. In other words, in the unfortunate event that the insured passes away during the benefit period, the insurance company will still pay a death benefit according to the basic sum assured.

But it also has the following drawbacks:

1.The main insurance is a whole life insurance with universal benefits, and this fee is not too cheap, explaining the "initial cost" mentioned in the contract. The first five years are %, respectively, and from the 6th year, 5% is deducted each year.

2.The biggest problem is the use of natural rates instead of equilibrium rates, which divide the amount of hazard coverage and the cost of protection. In the later stage, the cost of protection will become higher and higher, and the policy may be terminated at any time if the payment is not continued.

I saw many people asking, I feel that I have lost money, how to deal with it? Then I'll just say two things:

1. Surrender: Stop renewing and return the current price to buy better protection products, why not?

2. Continue to pay: Set the sum insured as the minimum sum insured of the product to reduce the output of net premiums.

Therefore, you must think twice before buying insurance, and you must recognize a principle: protect first and then manage your finances. Don't wait until you buy it to find out that something is wrong, you will still lose a lot by then.

Here is the most complete strategy for buying insurance, hurry up and collect it and read it slowlyHave you memorized all these key knowledge points for buying insurance? 》

The cost of protection is for life, that is to say, as long as the protection exists, the cost of protection will always be deducted. As for how much money you can get back after 20 years, it depends on how high your protection is? There is also the interest rate of the market, which has to do with all of this.

If you buy universal insurance in your 40s, if you still need to consider pension, it is recommended that the protection amount should not be too high.

Zhiying Life is a lifelong payment product, but it has the function of deferred payment guarantee, so you can pay for 10 years, 15 years or even for life. If you pay the policy for 10 years and start to defer the payment, and pass away in 20 years, if the value of your policy is enough to cover the cost of protection, your protection will not be discounted. However, if the policy value cannot cover the cost of protection, the insurance company will notify you to renew the premium or terminate the contract.

The feature of universal insurance is that it is paid for life, but if you choose to pay for 20 years, in fact, you can, as long as the policy value is enough to deduct the cost of protection, the protection will continue to be effective, and how much money is left in the account after 20 years depends on how much protection you choose in these 20 years, so that you can calculate how much money goes into the policy account.

Universal insurance has three flexibility: adjustable amount of insurance, flexible collection, deferred premium payment, it can be seen from here that this product is a diversified type of insurance, so the income is also very flexible, the amount of protection is high, the risk borne by the company is also large, so the risk cost of deduction is also high, the deduction is more, then take less, so you can increase the amount of insurance when you need protection the most, and you can reduce the amount of insurance when you retire into the pension, so that you can fully enjoy the income for retirement.

The rule is very simple, that is, if you lose money in death, you will lose 105% of the policy value or the basic sum assured, and it feels like you have deposited money in your account. But the details are not simple, note that each deduction is to deduct the initial fee.

For example, if you buy an insured amount of 80,000 yuan for critical illness and 100,000 yuan for the main insurance, then after the critical illness insurance is out, the insured amount of the main insurance will be reduced to 20,000 yuan.

3.Look at the guaranteed interest rate:

Many people are still aiming for its guaranteed interest rate when they go to Zhiying's life, not to mention anything else, at least there is a guaranteed interest rate and there is still a little foundation in their hearts.

However, combined with what we said before, the initial cost should be deducted every year, so let's put it this way, Zhiying Life earns something.

1. Failure to truthfully inform is insurance fraud, and you must bear legal responsibility, which is the crime of fraud!

2. Deductible for pre-existing conditions! The nation's healthcare system is networked!

3. You can apply for full surrender within 10 days of the cooling-off period!

4. After the waiting period, it is also the first time to get sick before the compensation, and commercial insurance does not include ordinary outpatient services!

Your case, if it involves reimbursement or hospitalization, should be after two years, otherwise, the premium paid for two years will === 0

Look at the cash value of your policy.

The second year is the money you get when you surrender the policy.

About 5,000.

How good it is to hold on for another 3 years.

The omnipotence of peace is still good.

The interest rate is the highest in insurance.

About 5%. It is more suitable than depositing in the bank.

Generally, you can not continue to save in the 5th year.

And there is no handling fee for withdrawing money.

I bought Ping An Insurance Zhiying Life Universal Insurance under the introduction of a friend, 6,000 yuan a year, the economy is a little tight, this kind of long-term insurance with investment nature, it is best not to return in the short term after insurance, otherwise it will lose a lot. Depend on.

...Don't know what to say to you? Sickness insurance also comes with additional insurance. Didn't the company know about your situation when you made a claim?

You're sick and insured! It's good that you're talking about this with the Ping An business person you bought!

If you conceal your medical history at the time of application, it can affect the insurance company's decision to cover it. According to the two-year incontestability clause of the new insurance law, if the insurance company finds that you have not fulfilled the obligation to tell the truth, the insurance company will not only not be liable for the insurance, but will also not refund the premiums paid.

30 days refers to common illnesses (cold, fever, appendicitis, etc.).

I'd love to know why you surrendered your policy. Once the insurance is covered. In ten days.

If the policy is not surrendered within the hesitation period, the subsequent surrender is generally cultivated. Ping An's wisdom wins life only after seven years can you launch the money that is about the same as the money you paid.

If you need money urgently, you can get it partially. Zhiying Life has that function.

First of all, thank you for your trust in Ping An products, but your ** person misled you, and your behavior may lead to your failure to claim compensation, and eventually you will blame yourself for not being able to pay for insurance purchases, so think about it yourself

In Ping An, there is also a type of insurance for additional compensation for critical illness, so in your case, you don't need to consider hospitalization and reimbursement for two years. The reason should be understandable to you.

The biggest problem is the possible compensation for critical illness.

The value of the account compared to the sum insured, which is the largest loss. This is Zhiying Life.

If the account is 60,000 and the loss is 190,000, the profit is 130,000. (19-6) The insurance situation of additional compensation for critical illness is: the account value is still yours, if the compensation for critical illness, the company will take another money, which is cost-effective, you calculate.

If the account is 60,000, you will lose 190,000 and earn 190,000 (19+6).