I m 37 this year, is it okay to buy Taiping Life Fuyou Jinsheng

Hello, you can also consider Ping An Life's Ping An Fu insurance, which covers a wide range of high premiums and low protection, including life protection (guaranteed for life), critical illness protection (guaranteed for life, 45 kinds of critical illnesses and 8 kinds of mild critical illnesses, and critical illnesses can be paid in advance), long-term accident protection (insured to the age of 70), traffic accidents can be doubled, and you can attach accident medical treatment, hospitalization medical treatment and hospitalization allowance, etc., Ping An Fu's protection is high and low premium, which is very suitable for buying an insurance type before the age of 40. It can be paid in 30 years or 20 years, but the premium will be relatively high, if you want to know more clearly, you can contact me. I'll give you a plan for your reference.

I suggest you buy Tongfang Global Health Life, in addition to the cheap premium, you can also waive the premium after the mild illness is paid, which is one of the few insurance products at present. The 37-year-old man's insurance amount of 200,000 yuan is only 5,660 yuan, and he can chat privately with me.

You can learn about the products of some foreign insurance companies. Those who study in Canada say that our company is good. More than 10,000 health insurance has just been sold.

It depends on what insurance you want, you can refer to a few more, find a suitable one for yourself, you can chat with me privately.

Each product has advantages, depending on whether it is suitable for you.

It's best to suit yourself.

Dear, I'll show you a plan! Just get it.

There is no good or bad, only better.

Summary. Hello dear. We will be happy to answer your questions.

1. This Fuyou Jinsheng main insurance is a whole life insurance (participating), and the additional insurance is Fuyou Jinsheng critical illness insurance, that is, a participating critical illness insurance with life insurance liability. Take 15 years of payment as an example, the annual premium is about 17,000, which is relatively high.

2. The waiting period is 90 days, which is guaranteed for life, the nature of life insurance is relatively simple, and the additional protection is 50 kinds of critical illnesses + 10 kinds of minor diseases. This protection is relatively thin compared with normal critical illness insurance, especially for mild illnesses, which are prone to "atypical acute myocardial infarction".

Taiping Insurance Fuyou Jinsheng Whole Life Insurance.

Hello dear. We will be happy to answer your questions. 1. This Fuyou Jinsheng main insurance is whole life insurance (dividend-paying type), and the additional insurance is Fuyou Jinsheng re-model major illness insurance, that is, participating critical illness insurance with life insurance liability.

Take 15 years of payment as an example, the annual premium is about 17,000, which is relatively high. 2. The waiting period is 90 days, which is guaranteed for life, the nature of life insurance is relatively simple, and the additional protection is 50 kinds of critical illness + 10 kinds of mild illness. This protection is relatively thin compared with normal critical illness insurance, especially for mild illnesses, which are prone to "atypical acute myocardial infarction".

The biggest advantage of Fuyou Jinsheng whole life insurance is that it has dividend income, but it is not the first year to roll over from the principal, but the cash value in the previous years is very low, in the stage of negative returns, which is also the common early performance of financial insurance. There will be dividends after a certain number of years, and the dividend distribution plan will be determined according to the actual operating conditions of the insurance company. 2. The dividend is not as good as the general annuity insurance lead, and the value cannot be determined, and no one knows the real profit of the insurance company.

Take the previous 171 years and pay for 15 years as an example, after the payment period is full, it is only 200,000 basic sum insured and an uncertain cumulative dividend insurance amount, but the income after a few decades should be considerable.

1. First of all, the uncertainty of dividend distribution, and the income is unstable, so you can't rest assured that you can't buy insurance. If you are older, there may be an inversion of the premium, which is not cost-effective. When buying wealth management insurance, the focus is on the flexibility of income and receiving.

Obviously, Fuyou Jinsheng is neither stable nor flexible, and can only claim or surrender the policy if he wants to withdraw money. 2. Then there is the critical illness protection attached to the product, the number of severe and mild diseases is small, and the moderate part is completely missing, which is not a qualified critical illness protection. At this premium**, you can buy a stable and flexible incremental life insurance policy, or a comprehensive critical illness insurance.

Dear, I hope mine can help you. Wishing you happiness! <>

The purchase of Taiping Fuyou Jinsheng Whole Life Insurance can be surrendered, but the hesitation period has passed, and the customer can only return the cash value of the contract if he wants to surrender the policy. Because the cash value of the contract in the first few years of long-term insurance or lifetime imitation insurance is not high, the earlier the policy is surrendered, the greater the loss.

How to surrender insurance, how much can be refunded, and how to reduce surrender losses?

How to surrender the policy after the cooling-off period

There are two ways to surrender, one is self-service surrender, contact customer service to explain the situation and then directly apply for surrender online, this way is more convenient to operate, but for friends who are not very good at operating, you need to prepare the surrender application letter of attorney, insurance contract, policyholder ID card and other relevant information to the offline outlets or insurance companies for manual surrender.

Of course, friends who don't know anything about surrender can ask an insurance brokerage company to help you surrender your policy.

When you need to surrender the policy

After purchasing the insurance, it is recommended to surrender the policy if you encounter the following situations:

(1) High premiums

The premium required to buy an insurance product is too expensive, if you only pay for one or two years, it is okay, if you pay for a long time, it will affect the quality of life, it is recommended to surrender the policy.

According to the "double ten" principle of insurance, it is best that the total premium expenditure should not exceed 10% of the annual income, otherwise it is easy to burden the family with land and reserves. Of course, insurance with the nature of wealth management is another matter if the yield is higher.

What is Term Life Insurance? Who is it suitable for? Everything you want to know is here!

(2) Buying the wrong product

Some people may want to allocate insurance for themselves or their families, but because they do not have a clear understanding of insurance, they buy inappropriate insurance products, such as life insurance for children, critical illness insurance with inverted premiums for the elderly, etc. Insurance products that cannot meet their own needs can be surrendered in time.

Before buying insurance, you must pay attention to these details to avoid finding out that something is wrong after applying for insurance, and it takes a lot of time to surrender the policy

Before buying insurance, you must first understand these key knowledge points! Hope.

, the proportion of compensation for mild illness is low.

Although the product covers 50 mild illnesses and pays 3 times, the compensation ratio for mild illnesses is only 20%. You have to be able to reach 30% to be considered normal.

2. Lack of protection for moderate illness.

It is still impossible to provide moderate illness protection, and the excellent critical illness insurance on the market has already added moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness.

3. The dividend protection is slightly poor.

There are two types of dividends in Jinyou Life: annual dividends and terminal dividends.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. The insured person cannot receive the dividends directly, but accumulate them in the policy, which can increase the sum assured for a major critical illness.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, these 3 bonuses can only pay one out of three.

4. Premiums are expensive.

After reading **, we can find that if you buy a lifetime insurance for a 30-year-old man, 500,000 insurance amounts, and pay in 20 years, you need to pay a premium of 19,650 yuan per year, which is close to a premium of 20,000 yuan a year! It can be said that it is very expensive.

Summary: From the perspective of overall security, the market competitiveness of Jinyou Life is poor, ** expensive but the protection is not comprehensive, the cost performance is not high, the same conditions, there are many good products to choose from for such a budget, here is a list:

Ten critical illness insurance that is much more cost-effective than Jinyou Life".

If there is no life insurance, there can be no compensation after death, and such a combination is that people can receive compensation if they have a critical illness or die.

Jinyou Life Critical Illness Insurance is a combination of insurance, that is, the main insurance is Jinyou Life Whole Life Insurance, and the additional insurance is Jinyou Life Critical Illness Insurance with early payment, these two are a combination and cannot be purchased separately, just like X Anfu and X Life Blessing, etc., are like this, whole life insurance is the main insurance and then additional early payment of critical illness.

This combination needs to pay special attention to whether the sum insured of whole life insurance and the sum insured of critical illness insurance paid in advance are the same, because once this combination of critical illness claims, then the sum insured of whole life insurance of the main insurance will be reduced by the same amount, if the two sum insured are the same, it means that the entire insurance contract is terminated, then the other additional insurance in the contract will also be invalid at the same time.

Hello. In order to better avoid the various risks hidden around them, more and more people have begun to pay attention to insurance products, and Fuyou Jinsheng whole life insurance is favored by many people. How about Taiping Fuyou Jinsheng Whole Life Insurance?

"Blessing Jinsheng" has a wide range of underwriting ages, and has the functions of policy dividends, annuity conversion, and can also bring death protection to the insured, which can meet the insurance needs of most people.

Taiping Fuyou Jinsheng Whole Life Insurance is suitable for people of all ages, customers born from 28 days to 65 years old can be insured, and its payment methods are flexible, including single payment, 10-year payment, 15-year payment, and 20-year payment, and consumers can choose freely according to their own economic strength. The death sum assured of Fortune Golden Life Whole Life Insurance is relatively high, which is the sum of the basic sum assured of $100,000 and the sum assured of accumulated dividends.

If customers who purchase Fuyou Jinsheng whole life insurance want to reduce the amount of protection when they are old, they can also convert the policy into annuity, so as to add a sufficient pension asset to the elderly life, so that health and pension can be worry-free. Other than that. Since its protection period is lifelong, consumers can provide themselves with lifelong care with only one investment, and with the distribution of the main insurance dividend, the sum insured increases year by year without underwriting medical examinations, so that you have more and more protection.

In addition, the dividends of the product can bring certain benefits to consumers, and its annuity conversion function can well protect consumers' old age. If you can learn more about "Blessing Jinsheng", you can analyze it through its terms.

Good luck.

Life insurance is mainly to protect against disability and death, so you must consider clearly that it is a long-term payment and a change of mind is very costly.

Hello, a 31-year-old woman, a blessing Jinsheng with an insurance amount of 100,000 yuan, paid for 20 years, and the annual premium is 3,717 yuan.

Fuyou Jinsheng has the following characteristics:

50 types of critical illnesses, comprehensive protection.

10 mild diseases, additional benefits.

The sum insured is increased and guaranteed for life.

Annuity conversion, change as needed.

It's been a long time since I've been unfamiliar with the rate, and it is recommended to consult the excellent ** people around you to provide you with professional and effective services.

Not very clear, this is guaranteed?

It is possible to withdraw and convert the annuity to be used as a pension. You can add me for details.

The benefits are guaranteed as follows:

1. Critical illness insurance benefits:

If a critical illness is caused by an accident or a non-accidental injury after the 90-day waiting period, we will pay the basic sum assured of the rider and the cash value corresponding to the accumulated dividend sum assured of the main plan, and the main and supplementary benefits will be terminated at the same time.

During the 90-day waiting period, if a critical illness is caused by a non-accidental injury, we will refund the premium paid for the main supplementary insurance, and the main supplementary insurance will be terminated at the same time.

2. Insurance benefits for specific diseases.

Due to an accident or a non-accident caused by a specific illness after the 90-day waiting period, we will pay an additional 20% of the basic insurance amount of the additional insurance, only once, up to a maximum of 100,000 yuan, and this liability will be terminated.

During the 90-day waiting period, we will not be liable for certain illnesses caused by non-accidents, and this liability will cease at the same time.

3. Death benefit.

In the event of death due to an accident or non-accident after the 90-day waiting period, the sum of the annual premiums corresponding to the sum of the insured amount of the primary supplementary insurance at the time of death shall be paid before the policy anniversary of the 18th birthday and the actual number of years of premium payment shall be paid at the same time. After the 18th policy anniversary or the unfortunate death of the 18th birthday or older at the time of application and the insured period is paid, the sum of the basic sum assured and the accumulated dividend sum assured will be paid, and the main supplementary benefit will be terminated at the same time.

If the person dies due to non-accident during the 90-day waiting period, the premium paid by the main supplementary insurance will be refunded, and the main supplementary insurance will be terminated at the same time;

Note: We will only pay one of the death benefit and critical illness benefit, and it is limited to one time.

4. Annuity conversion right.

Method 1: When the beneficiary applies for the insurance benefits of the main insurance or additional insurance contract, the beneficiary can convert all or part of the insurance money into an annuity.

Method 2: After the 20th anniversary of the effective date of the contract, you can apply for the cancellation of the main insurance and supplementary insurance contract, or reduce the insurance according to the relevant policies at that time, and the cash value and terminal dividend can be converted into an annuity in whole or in part.

5. Policy dividends.

The dividend distribution of the main insurance in this plan is an increase dividend, and the dividend distribution includes annual dividend and terminal dividend.

Hello. Fuyou Jin can be withdrawn at the age of 60, but the withdrawal is equivalent to surrendering, if the period from the insurance to the withdrawal is too short, the principal will also be lost. At the same time, after the surrender of the policy, the protection is gone, this age is the time when the risk is relatively high, but the result is no protection, it is not very reasonable.

It is recommended not to consider surrendering the policy, but to give yourself a guarantee. Hope it helps!