How to return the 10,000 yuan dividend insurance of Pacific Life Insurance after the expiration of 5

Founded in 1991, Pacific Insurance Company is a senior insurance company and has been selected as one of the world's top 500 companies for eight consecutive years. Regarding the Pacific Insurance Company, I analyze it from the following three questions::

1.Compared to other companies, are Pacific Insurance's products worth buying?

Pacific Insurance's best-selling products include Jinfu Life, Jinyou Life, Jinnuo Life, Children's Super Treasure Fuyou Ankang, etc., I spent a week comparing the products of Pacific Company and sorting them out"Seven Products Worth Buying in 2020 by Pacific Insurance".

I suggest you click on it and take a look.

2.In terms of service, is the level of Pacific Insurance high?

In order to provide consumers with a standard, the China Banking and Insurance Regulatory Commission (CBIRC) has rated the services of insurance companies according to indicators such as complaint rate, claims service, and business handling efficiency, with AAA rating being the highest and D rating being the lowest.

Let's see how many levels Pacific Life can rate:

3.Is Pacific Insurance reliable?

Friends who are worried that the insurance company will be unreliable should be afraid that it will be difficult to settle claims after buying insurance. This is easy to do, and the higher the ranking, the more reliable it is. Here's an up-to-date list:

Which of the top 10 insurance companies is good.

That's all for me"How to return the 10,000 yuan dividend insurance of Pacific Life Insurance after the expiration of 5 years"All, look!

Did you buy a 5-year one? If yes, you can get 10620 plus 5 years of dividends at the end of 5 years. The annual dividend is about 3%-5%. And it will compound interest. It will be higher than the regular income.

This depends on the specific terms of the insurance you purchase, and you can check the benefits on the original of your policy. There's a clear statement in there. How much to pay.

Hello! Some participating products have a fixed return annuity and additional dividends, so it depends on what kind of insurance you have.

The return of the principal after the expiration of the Pacific Dividend Insurance needs to be determined according to different circumstances, as follows:

1. In the event of the death of the insured, the premium can be refunded, in which case it is generally a whole life insurance that focuses on protection;

2. It is an insurance that focuses on financial pension, and the premium is generally refunded after death, or even 105% of the premium;

3. For regular dividend insurance, if there is no insured accident at the end of the period, the insurance contract is terminated, and the premium will not be refunded.

Characteristics of Pacific Insurance Participating Insurance:

1. Stable returns, in addition to guaranteed benefits, you can also share the company's operating results through dividends, maintain and increase value. The earlier you apply for insurance, the higher the sum insured;

2. Fast realization, high cash value of the policy, and you can apply for a policy pledge loan after insurance, even if you are in urgent need of capital turnover, you can deal with it calmly;

3. High protection, you can get death protection during the insurance period, and special double protection for accidental death, feel at ease;

4. Good financial management, the premium funds are invested and operated by the professional team of Pacific Insurance, and the institutional investment shows its advantages and the financial management goals are easily realized.

OK. Pacific Insurance can be surrendered according to the following process:

2.Prepare the surrender information, usually need the insurance policy, the policyholder's ID card, the premium payment certificate, the insurance contract termination application, etc., and bring the surrender information to the offline service outlets of Pacific Insurance Company to go through the surrender procedures;

3.The insurance company's staff will assist in the surrender of the policy, usually recovering the policy and crediting the surrender money into the bank account provided by the policyholder within the agreed time.

4.Take out the insured Pacific insurance contract, confirm whether your policy has a hesitation period, if there is no hesitation period, you can go to the Pacific Insurance business office to go through the relevant procedures for surrender, so that the surrender loss will be relatively small.

5.If the cooling-off period is exceeded, there will generally be a claim dispute. Because beyond the cooling-off period, the insurance product will be surrendered according to the cash value of the policy, and the cash value is the result of the relevant accounting by the actuary of the insurance company, so the loss will be relatively large for the policyholder, so it is recommended to consult how much money needs to be deducted for surrender in advance, and then make a surrender decision.

Further information: Surrender is generally divided into hesitation period surrender and normal surrender.

1. Surrender during the hesitation period. Cooling-off period refers to the surrender of the policy by the policyholder within the cooling-off period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

2. Normal surrender. Surrender beyond the cooling-off period will be regarded as normal surrender. Policies that have received insurance benefits are not eligible for surrender.

Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application.

3. As mentioned above, the surrender of Pacific Insurance is generally divided into the hesitation period and the hesitation period. If the policy is surrendered within the cooling-off period, the insurance company will refund all the premiums after deducting the cost of the insurance. If the policy is surrendered after the cooling-off period, it will be regarded as a normal surrender and only the cash value of the policy will be refunded.

Summary. Pacific Insurance Jinyou Life Whole Life Insurance Participating Surrender Premiums cannot be fully refunded after 10 years. Because it has no obligation to return, but the policyholder The insured can receive the surrender money by surrendering the policy, but only the cash value of the policy and the unclaimed dividends (dividends cannot be determined), and the policyholder may have to bear certain economic losses.

Can the surrender premium of Pacific Insurance Jinyou Life Whole Life Insurance Participating Type be fully refunded after 10 years?

Pacific Insurance Jinyou Life Whole Life Insurance Participating Surrender Premiums cannot be fully refunded after 10 years. Because it has no obligation to return, but the policyholder The insured can receive the surrender money by surrendering the policy, but only the cash value of the policy and the unclaimed dividends (dividends cannot be determined), and the policyholder may have to bear certain economic losses.

The main contents of Pacific Jinyou Life include 100 types of critical illness, 50 types of minor illnesses, minor illness waiver for the insured, optional policyholder waiver, death benefit, etc. Pacific Golden Blessing Life Whole Life Insurance Participating Type Expires and Will Not Be Returned:1

The protection period of Pacific Golden Life Whole Life Participating Life Insurance is for life, so there is no protection period.

Summary. Pacific Dividend Insurance is that the policyholder pays the insurance premium to the insurer according to the contract, and the insurer is liable for the property loss caused by the possible accident as agreed in the contract. It is the basic means of risk management under the conditions of market economy, and Pacific dividend insurance is an important pillar of the financial system and social security system.

Can the principal be returned after the expiration of the Pacific Dividend Insurance?

Hello <> dear! I am glad to answer for you, the Pacific Dividend Insurance can return the principal after expiration. If it is a simple participating insurance, the premium paid can usually be refunded after the full payment period, that is, it can be fully refunded; If it is a participating insurance with additional critical illness insurance, it cannot be fully refunded after the payment period expires, and the policyholder needs to bear a certain amount of economic losses.

Pacific Dividend Insurance is that the policyholder pays the insurance premium to the insurer according to the contract, and the insurer is liable for the property loss caused by the possible accident as agreed in the contract. It is the basic means of risk management under the conditions of market economy, and Pacific dividend insurance is an important pillar of the financial system and social security system.

Pacific Insurance Jinxiang Life Whole Life Insurance Dividend, its dividends are dividends of the sum insured, not direct dividends. Therefore, the annual dividend corresponds to the increase in the sum insured, and there is no money in the account. Dividends cannot be withdrawn directly, but dividends can be withdrawn by reducing insurance.

There are two types of dividends: American dividends and British dividends. American-style dividends, also known as premium dividends, are dividends based on the premiums paid, including cash collection, accumulated interest, offset premiums, and purchase and payment of increases. Participating products such as Ping An Life and Chinese Life are basically premium dividends.

Extended Materials. 1. China Pacific Insurance (A shares: 601601, H shares:

02601), also known as Pacific Insurance, referred to as China Pacific Insurance or Taibao, formerly known as China Pacific Insurance Company, was established on May 13, 1991, is a national joint-stock commercial insurance company approved by the People's Bank of China. In 2001, according to the approval of the reform of the system of the division of business institutions of China and the China Insurance Regulatory Commission, the original China Pacific Insurance Company was renamed as "China Pacific Insurance (Group) Co., Ltd." CPIC is the second largest property insurance company in Chinese mainland, second only to China Property Insurance and one of the three major life insurance companies.

It operates a diversified range of insurance services, including life insurance, property insurance, etc.

In August, China Pacific Insurance was in"2016 China's Top 500 Enterprises"Ranked 52nd in the . On July 19, 2018, the 2018 Fortune Global 500 list was released, and China Pacific Insurance ranked 220th. In July 2019, the 2019 Fortune Global 500 was released

Ranked 199th. On September 1, 2019, the list of China's top 500 service enterprises in 2019 was released in Jinan, and China Pacific Insurance (Group) ranked 26th. On November 19, 2019, the 2019 Asian Financial Competitiveness Selection List was announced, and China Pacific Insurance (Group) Co., Ltd. won the "2019 Brand Influence Insurance Company" award.

On December 18, 2019, the People's ** "China Brand Development Index" 100 list ranked 85th. On December 25, 2019, it won the 2019 People's Ingenuity Brand Award. In March 2020, it was selected as the 132nd place in the top 500 global brand value in 2020.

If you want to get the full amount of the premium back, then it depends on the cash value on the insurance contract at that time, which can be the same as the amount of the premium paid in the first few years. Most of the annuity insurance is after the full payment of the premium, you can withdraw the full premium, there are also some annuity insurance, after paying the premium three or five years can get the premium back, this product from the end of the fifth year of payment, will pay 100% of the basic sum assured every year, until the death of the insured. If you want to terminate the insurance contract early, you can go to the insurance company and bring the relevant materials to terminate the insurance contract early, and the specific amount of premium to be refunded depends on the cash value on the contract.

Now more and more people choose annuity insurance products, on the one hand, there are idle funds in their homes for a long time, so that they can buy annuity insurance products with this money, on the one hand, annuity insurance products can protect the policyholder after many years can still be in accordance with the interest rate agreed at the beginning to earn, on the other hand, annuity insurance does not need to let people spend too much time and energy to observe and calculate the income, because the income is clearly displayed on the policy, very constant, and does not require any operation of the policyholder, You just need to pay your premiums on time.

Choosing an annuity product that suits you can make your idle funds play a greater role. Because annuity insurance products can protect the principal compared to wealth management products, and there is no risk, it is a worthwhile product for most people. When purchasing annuity products, there are usually three-year or five-year annuity products, and policyholders should choose annuity products that are suitable for them according to their own family economic situation.

To buy annuity insurance, try to buy it in the bank, because most of the general savings insurance banks are selling it, and it is safe and secure.

You can get back the insurance money in full depending on how many years you have bought it, basically you can get the insurance money back after 10 to 15 years, if the time is too long, you will definitely not be able to get it, and the time is too short, you must get the insurance money according to the regulations.

This insurance is flexible, you can wait until the insurance period is up to receive dividends and insurance benefits, or you can withdraw the insurance money in advance and withdraw from the insurance.

You can recover the insurance money after paying the insurance time, and the insurance of the Pacific is still possible and guaranteed.