Is Ping An Hongli Insurance Participating, 2004 cost effective?

"Seven [Not Recommended] Dividend Insurance Points".

In fact, if you look at this critical illness insurance comparison table, you can find that buying insurance for children can consider more critical illness insurance, medical insurance, accident insurance, etc., which is mainly based on health protection, which not only provides more targeted protection, but also costs much lower than dividend insurance

What is Participating Insurance?

In addition to the basic protection content, the insurance company will also calculate the policy dividend to distribute to the customer every year, the dividend can be received in cash, can also be used to accumulate interest, or offset the premium, and some can also purchase a paid increase insurance.

1. How to calculate the income of dividend insurance

Let's be clear, the policy dividend of the participating insurance is uncertain, which is clearly stated in the contract。The dividends of participating insurance are distributable earnings generated by the difference between death, interest and expense, and many people are excited because they see the income calculated by the salesman, but in fact, there are very few cases that can reach the mid-range income. All we can do is wait for the insurance company to inform us of the annual dividend notice, and we will receive as much as it is written on the notice.

Many participating insurance policies do not have a guaranteed interest rate, that is, the insurance company says that there is no dividend, and you can only suffer dumb losses.

Dividends are uncertain, which is the biggest problem of dividend insurance, and there are other disadvantages can be seen here:"There are so many complaints about participating insurance every year, and the truth is here".

2. What kind of people are suitable to buy dividend insurance

When considering participating insurance, first see if you have all the protection. Insurance is a financial tool, it is not born to make money, but to help us pass on the risk, but the financial insurance is heavy on income, light protection, before the protection is sufficient, it is not recommended to consider financial insurance.

On the other hand, the liquidity of the participating insurance account is very poor and cannot be withdrawn at any time, and it has a mandatory savings function. If you don't have enough liquidity, you are not a good choice for this forced savings product.

In general, the income of dividend insurance is uncertain, and the protection is insufficient, if you value the income, it is better to choose a good annuity insurance as an endowment insurance, with a guaranteed interest rate, such as the income of these products are good:"Staying up late to tidy up|Ten cost-effective annuity insurancesHope!

Does it come back every three years? And Hongli every year? It's really not suitable, my mother bought this kind of insurance in 2001 when I was 21 years old, I calculated that I had to live to be 90 years old before I could return all the amount I paid, and if I didn't live to be 90 years old, I would give 50,000 yuan at one time.

But now it's not appropriate to return, and you have to lose more than 10,000 yuan, so you can only pay it again. I think this kind of insurance is only suitable for newborn children.

Ping An Hongli is a three-year return of money insurance, what can you do with the money returned? Do you need the money in the near future?

The principle of buying insurance is 10-20% of the total income of the whole family, divided into three parts, more than 40% of the main economic ** of the family, and 25-30% of the children; The order is.

1. Accident insurance, 2. Protection insurance (with death and high disability as the target), 3. Critical illness insurance, 4. Education insurance, 5. Endowment insurance, 6. Investment insurance.

Ping An Hongli is an investment insurance. If the child's parents are fully insured, you can consider taking out this insurance, otherwise, the adult is the best protection for the child.

Of course, education savings insurance is more cost-effective, it is of course much better than just a simple savings period, and the annual compound interest of income is equivalent to the annual simple interest of the general savings interest rate; To store - again we Chinese good habits, everyone knows - the longer the deposit, the more interest - ask: does the bank have 15 years? - No, there is nothing in the world!

But insurance companies have it — not just 15 years, but 20 years, 30 years, even a lifetime!! We don't have to withhold taxes when we withdraw money, and there is a constraint on forced savings so that there is no loss, and the insurance company pays for our lives in the event ......of illness or accidents

Now there is Ping An Insurance called Win for Life, which protects against accidents, and saves 10,000 yuan at a time, which can be added at any time. If the child is small, it will be doubled in ten years, which is enough to go to college. Indeed, if you save 100,000 yuan from the age of 0 to the age of 65, if you still save all the time, it is an amazing income of 1 million.

hattp

I would like to remind you that education insurance is the most important thing.

Education is a key part of a child's growth, but the increasing cost of education is the most important thing for us as parents.

Education savings insurance has a history of 11 years in China since 1994 - this kind of insurance has developed to this day more like the fixed savings that we usually save in the bank for about 15 years, which not only provides for the education expenses of children's success, or can also be used for children's entrepreneurship**, and can also use the surplus money for other purposes - family medical care or pension, etc., especially to mention - all payments from insurance companies are tax avoided, An insurance policy can also provide you with a working cash flow ...... for a mortgage loanIt is your property ......

The average family - to buy some education insurance for their children first, going to college for our children, the probability of the future will be 100%, if the economic conditions allow, the second is to buy enough - hospitalization medical insurance and accident insurance and serious illness insurance, because after all, there are some medical insurance in the school. Appealing Ping An Hongli Insurance (Participating, 2004) is cost-effective in the long run, but it does not meet the requirements of your child's college education, so I recommend you to buy Ping An Magnum.

If you buy enough insurance for your child, you can get the eternal love and ...... from your parentsThis is the value that the law gives to the insurance company.

You are welcome to contact me for further contact, I have been in this industry for 10 years, and I have a lot of experience!! tel：022-81277807 email： hattp

Sometimes insurance seems to be cost-effective, but 20 years from now, I don't know if I can buy so many things for 3,000 yuan now, it is better to buy something else that can maintain value.

Don't trust people who have an interest in this issue, you must learn to think for yourself! If you are buying it for your child, it is best to do some medical and accident insurance!

The types of insurance in each company are almost the same, and the mutual attacks between many salesmen are just for a bone fight, just watch a lively fight, don't take it seriously!

By the way, there are very few ** people in China who are really moral and professional enough, so be careful!

I have been in a foreign insurance company for 11 years. What city are you in? If you have to buy Ping'an, I can't help it.

It can be seen that you do not have a complete sense and concept of insurance. In general: buy insurance for the main income of the family first.

Accident medical treatment first, then life insurance, and then buy dividends. Ping An's dividend insurance is not cost-effective. Do you know how many customers they lost a few years ago?

I think it's better for you to buy Ping An Universal Additional Medical Insurance, and you can buy a family card for accident insurance, 100 yuan for one year, and the whole family is protected. There is no need to buy a critical illness waiver.

Personally, I don't think it's cost-effective, it's not good for you to buy Aiyi people is your son.

There are too few components of medical insurance! Add some more medical care.

Insurance is not a tool for profit!! Always remember this phrase!!

Summary. The floating dividend is the annual actual operating profit dividend of Ping An, the dividend distributed to all policyholders, the annual dividend is uncertain, the dividend details will be disclosed through Ping An's official **, and then the dividend funds will be distributed to the policyholder's policy account.

Ping An Hongli Insurance Participating Type 20 Years 751

This product is divided into three sections: fixed receipt and dividends, and value protection.

Among them, the fixed payment is once every 3 years, 8% of the basic sum assured each time, until life.

The floating dividend is the annual actual operating profit dividend of Ping An, the dividend distributed to all policyholders, the annual dividend is uncertain, the dividend details will be disclosed through Ping An's official **, and then the dividend funds will be distributed to the policyholder's policy account.

Ask about custom messages].

Ask about custom messages].

At the same time, it provides value protection: the basic sum insured will be paid on the death of the insured.

At the same time, it provides value protection: if you die within one year, 10% of the basic sum insured will be paid. In the event of death after one year, the basic sum insured will be paid.

It's been 20 years, and I can get the principal back.

Get your principal back? This insurance product is not a bank deposit. Only bank deposits have principal and interest.

Insurance products are only paid by the policyholder. The insurance company pays the insurance money according to the insurance contract liability.

Your policy will receive a fixed payment of 8% of the Basic Sum Assured every 3 years until the end of your life.

You look at what the basic amount of insurance is stated on your contract.

Because the teacher here does not know your age and payment information, there is no way to calculate the basic insurance amount for you to purchase this insurance.

You can also send your contract protection page to the teacher.

8% of the basic insurance amount every three years.

This will make it possible to calculate when you will be able to get back your accumulated premiums.

I started buying it when I was zero years old.

How much do you pay each year?

Hongli both receive 8% of the basic insurance amount every 3 years, and it needs to be paid 20 times according to the rate calculation, that is, 60 years before the principal can be recovered.

Summary. Ping An Hongli Insurance will not return our principal after 30 years, this is a dividend-paying product, insurance stipulates that after the expiration of the insurance, you can receive 8% of the sum insured every year, and you can also get the dividend of the insurance company, but the amount of dividends is not certain. If you want to get your principal after expiration, you can only surrender the policy, but there will be more losses when you surrender the policy, so it is not recommended that you surrender the policy, and you can receive dividends when the insurance expires, although it will be a little less than the principal, but as long as the time is long, the probability of returning to the principal is still very large.

Hello dear! No, you cannot.

Ping An Hongli Insurance will not return our principal after 30 years, this is a dividend-paying product, insurance stipulates that after the expiration of the insurance, you can receive 8% of the sum insured every year, and you can also get the dividend of the insurance company, but the amount of dividends is not certain. If you want to get your principal after expiration, you can only surrender the policy, but there will be more losses when you surrender the policy, so it is not recommended that you surrender the policy, and you can receive dividends when the insurance expires, although it will be a little less than the principal, but as long as the time is long, the probability of returning to the principal is still very large.

What materials do you need to receive Ping An Hongli Insurance when it expires1. Application form for insurance paymentWhen our insurance payment expires, you can receive the insurance amount provided by the insurance company. However, we need to submit an application form when we receive it for the first time, in which we need to write our personal information and our policy number, and also write what our clear plan is, because we have many kinds of insurance plans for participating insurance, such as monthly payment, annual payment, annual payment, how much a year, etc., we can choose the corresponding plan according to our own needs. 2. Proof of identity of the policyholder.

The main thing is the ID card or household registration book, which is generally required to provide the original, so if it is not lost, it must be reissued in time. 3. The original of the insurance policy, when submitting the application, you also need to provide our insurance policy.