Is it true that Xinhua Insurance pays 3,470 yuan a year for 20 years and returns 140,000 yuan after

Xueba talks about insurance, focusing on insurance evaluation! I have made a comparison between Xinhua's critical illness insurance and the popular critical illness insurance on the market, if you are interested, you can take a look"Comparison Table of 136 Popular Critical Illness Insurance in China".

Xinhua Insurance Company has a long history and is a well-known and large company. The business content of New China Life Insurance Company focuses on life insurance, critical illness insurance, annuity insurance and other life insurance business.

How the company is, it mainly depends on how its products are. Except for individual products, the products sold by their company generally do not have any major shortcomings, and they are decent. Let's get an in-depth understanding of this company by analyzing the company's more popular critical illness insurance:

As can be seen from the figure, the Healthy C1 has the following advantages:

1. Anyone who meets the conditions of being diagnosed with a critical illness or passing away in the previous 10 years can get 20% of the basic sum assured.

2. If you are unfortunate enough to suffer from one of the 6 specific diseases, such as brain cancer, leukemia, etc., you can also get an additional 20% of the compensation.

Of course, it also has drawbacks:

1. It's not worth it, it's too high, the content of the guarantee is very average, and there are not too many highlights. About 10,000 **, not everyone can afford it.

2. The amount of minor illness claims is very small, and the general amount of minor illness claims is about 30%-40%. With a premium of more than 10,000 yuan, only 20% of the claim amount for mild illness is bought, which is really not cost-effective.

It is advisable to look before purchasing critical illness insurance.

That's all for my answers, I hope it helps. Hope!

Summary. Qinqin can probably return about 60% of the principal, that is, about 28,000 yuan.

Surrender refers to the cash value only, the surrender amount, you can take out the cash value table at the back of the policy, check the number of cash value surrendered in the 4th year, basically the amount that can be refunded.

Surrendering the policy in the middle of the policy is relatively loss, and the loss is relatively large, so it should be carefully considered.

If you are sure to surrender the policy, you can bring your original ID card, bank card and insurance policy to the business hall of Xinhua Insurance Company.

Xinhua Insurance pays 4700 a year, and it has been paid for 10 years, and how much money can be returned if you want to surrender the policy.

Qinqin can probably return about 60% of the principal, that is, about 28,000 yuan. Surrender refers to the cash value only, the surrender amount, you can take out the cash value table at the back of the policy, check the number of cash value surrendered in the 4th year, basically the amount that can be refunded. Surrendering the policy in the middle of the policy is relatively loss, and the loss is relatively large, so it should be carefully considered.

If you are sure to surrender the policy, you can bring your original ID card, bank card and insurance policy to the business hall of Xinhua Insurance Company.

Qinqin can probably return about 60% of the principal, that is, about 28,000 yuan. Surrender refers to only the cash value, the surrender amount, you can take out the cash value table at the back of the policy, check the number of the cash value surrender in the 10th year, basically the amount that can be refunded. Surrendering the policy in the middle of the policy is relatively loss, and the loss is relatively large, so it should be carefully considered.

If you are sure to surrender the policy, you can bring your original ID card, bank card and insurance policy to the business hall of Xinhua Insurance Company.

If the payment period of Xinhua Insurance products is 20 years, then consumers do not need to pay 20 years, and they can patiently enjoy the protection provided by Xinhua Insurance Company. If the consumer has purchased a return or participating insurance, he or she can receive the insurance money on the date agreed in the insurance contract after the payment period ends.

Consumers need to check the insurance contract, if the insurance contract indicates that the insurance is a return or participating insurance, consumers can go to Xinhua Insurance Company to receive insurance money according to the time limit agreed in the insurance contract, with ID card, bank card, insurance contract and other materials.

If the insurance contract does not indicate that the insurance is a return or participating insurance, after the end of the payment period, the consumer does not need to pay the laughing chain fee, and can enjoy the protection provided by Xinhua Insurance during the insurance period. There are many types of insurance products, and consumers should read the insurance contract carefully.

Under normal circumstances, the return type and participating insurance are returned, and the consumer can go to the insurance company to collect the premium after the payment period is over, or wait until the consumer is 80 years old to return to the consumer in the form of a life payment.

Non-refundable and non-participating insurance is non-refundable, and after the payment period, consumers can only enjoy the protection provided by the insurance company and cannot receive the premiums paid. Consumers can go to Xinhua Insurance Company for specific inquiries.

From the age of 20, the policy has changed.

First of all, I would like to tell you that Xinhua Insurance is a regular insurance company established after the approval of the China Banking and Insurance Regulatory Commission, it is not a lie, and its insurance products must be no problem. Founded in 1996 with a registered capital of RMB 3,119,546,600, New China Insurance can be said to be an insurance company with a long history and strong financial resources. You can click on the following article to learn about the strength of New China Insurance:

Is Xinhua Insurance good? The company's big secrets, the products are peeled, all in this article!

Looking at the question stem, if the product terms clearly stipulate the proportion and amount of the specific amount of the amount when applying for insurance, and when the annual payment of 4620 yuan and the 20-year insurance plan are used for trial calculation, the result that you can finally receive 263524 yuan is obtained, then it is generally true. Pay attention, be sure to read the product terms and contracts by yourself, and personally participate in the premium trial calculation process, so as not to be exploited by ** people who take advantage of the loopholes of some products. If you don't know how to read the contract, you can read this article:

Teach you to identify those pitfalls in the insurance contract!

In addition, you should also note that when you are trying to calculate the insurance plan, you must choose the coverage amount, coverage period and payment period (if you can choose) that suits you according to your actual situation, so as to avoid too much pressure on the premium or insufficient coverage in the later stage. If you buy an insurance product with a wealth management nature, remember to pay attention to its income and try to choose a product with high income.

Brother Bao said insurance, focus on insurance evaluation! If you want to better understand the company of Xinhua Insurance, you can take a look at the comparison of their critical illness insurance products with other companies: the top ten insurance companies are "worth buying" popular critical illness insurance inventory!

Xinhua has a good reputation as an insurance company in China, and it is an old and large company. As long as the product is bought through regular channels, you don't have to worry too much. Is there anything else I need to know?

You can take a look at the following Xinhua Insurance product analysis data to see if you can find the answer you want:

Xinhua Insurance is a well-established large company with many branches and outlets, and it is also one of the best in the domestic insurance industry. Its business objectives are life insurance, critical illness insurance, annuity insurance and other life insurance businesses.

How the company is, it mainly depends on how its products are. The insurance products that Xinhua is selling are not too problematic except for individual products. In order to have a comprehensive understanding of this company, let's take the company's main health and worry-free C1 to analyze:

As can be seen from the figure, the Healthy C1 has the following advantages:

1. If you are diagnosed with a critical illness or die in the previous 10 years, you can get 120% of the basic sum assured.

2. If you suffer from 6 specific critical diseases, such as brain cancer, leukemia, pancreatic cancer, etc., you can also get 120% of the basic sum assured.

And its disadvantages are:

1. Expensive is the primary problem of this product. About 10,000 **, not everyone can afford it.

2. Low compensation ratio for minor illnesses: Many critical illness insurance companies on the market have an average compensation ratio of 30%, and some products can also pay up to % or even higher. The payout amount of this product is only 20% of the basic sum assured, which is really not cost-effective.

Here are some cost-effective and worthwhile products on the market, I have sorted them out for everyone, and it is recommended to take a closer look before buying critical illness insurance: a list of the top ten insurance companies that are "worth buying" popular critical illness insurance!

Summary. Kiss <>

We'll be happy to answer your questions<>

Xinhua Insurance has already paid 4,000 yuan per year, and I don't want to pay 70% of the principal amount of the refundable premium for eight years. It is calculated according to the cash value of the policy for 7 years, as for how much the actual policy surrender situation: first, the cash value of the surrender, after the hesitation period, in fact, it can also be said that it is a breach of contract, in this case, the applicant will deduct part of the cost according to the contract, and according to the cash value of the insurance product to be refunded, of course, there must still be surrender at this time, but it is just a matter of size.

Clause. Second, you can apply for a full surrender of the policy, and you can only find evidence of misleading sales by the salesman after 7 years, which is also because some insurance salespeople will exaggerate the content when selling products for consumers to improve their sales performance. In this case, as long as you provide relevant evidence, you can apply for a full surrender of the policy.

Xinhua Insurance has already paid 4,000 yuan per year, and I don't want to pay it for eight years, and I want to refund how much money I can refund.

Kiss <>

We'll be happy to answer your questions<>

Xinhua Insurance has already paid 4,000 yuan per year, and I don't want to pay 70% of the principal amount of the premium that can be refunded for eight years. It is calculated according to the cash value of the policy for 7 years, as for how much the actual policy surrender situation is the case: first, the cash value of the surrender, after the hesitation period, in fact, it can also be said that it is a breach of contract, in this case, the applicant will deduct part of the cost according to the contract, and according to the cash value of the insurance product to be refunded, of course, there must still be surrender at this time, but it is a matter of size.

Clause. Second, you can apply for full surrender of the policy, and you can only find the salesman to mislead the sales of the certificate and cheats after 7 years, which is also because some insurance salespeople will exaggerate the content when selling products for consumers to improve their sales performance. In this case, as long as you provide relevant evidence, you can apply for a full surrender of the policy.

Kiss <>

Founded in September 1996, Xinhua Life Insurance Co., Ltd. is one of the state-controlled listed life insurance companies, China Investment Direct Management Enterprises, Fortune and Forbes Fortune Global 500 companies. The company's main shareholders are ** Huijin Investment Co., Ltd., China Baowu Iron and Steel Group **** and so on. In 2011, New China Insurance was listed on the Shanghai ** Stock Exchange and the Hong Kong Stock Exchange.

Is it easy to return. What are the procedures for refunding the insurance?

Kiss <>

1. The policyholder submits the identity certificate and false judgment surrender application to the insurance company, explaining the reason for the difference and the surrender time. 2. After reviewing the surrender application, the insurance company will issue a surrender approval and withdraw the policy at the same time. 3. The policyholder shall receive the refundable insurance premium from the channel designated by the insurance company.

Definitely not true, if you have bought such an insurance, and paid the money to sign the contract, it means that you are now deceived, it is good to be able to return the original in 30 years, the staff said that you can return 500,000 in 30 years It must be a lie, buying insurance is originally to reduce the risk, even if it is used for financial management, it will not exceed the annual interest rate of other products in the market, insurance is consumption, even if you choose participating insurance, you should be cautious to prevent insurance dividend fraud.

In fact, no matter which insurance company you choose, no matter what kind of insurance product you choose, the insurance salesman should not arbitrarily promise a figure of 500,000 for the sake of his own ruined sales, what kind of financial insurance can return 500,000 after 30 years, and calculate the premiums he pays should be roughly a number. Or this is a participating financial insurance, which can eventually return a certain amount, but it is definitely impossible to exceed the premium, after all, you are buying insurance, and the insurance company is not a charity.

If you buy an insurance product from a regular Xinhua Insurance Company, and this is a pension insurance product that is being sold in the market, it can only mean that the product is genuine, because any insurance product needs to be reviewed by the Insurance Regulatory Bureau to meet the requirements before it can be listed for sale. If you buy a product with a reserve that is not found in the insurance company's product range, it may be a fake.

Xinhua Insurance Company is a regular and reliable insurance company, this insurance company has been established for 25 years, and the company has abundant funds, with a registered capital of up to 3.1 billion, not only abundant funds, but also good credit and strong solvency. Although 168% of the insurance industry is not the highest solvency, it is also very good.

Maybe this insurance is true, but it is definitely unreliable to say that the Xinhua Insurance bought for 1280 yuan will return 500,000 yuan after 30 years, and it is recommended to contact the previous salesman or directly complain to the customer service platform of the insurance company.

This is true, this insurance is still relatively reliable, and many new and old customers will buy this insurance.

It's true. Since the staff said such a thing, it means that there is indeed such a benefit, and it should be purchased immediately.