After the 15 years of Ping An Universal Insurance, it protects the insured

Universal insurance, including the universal insurance of all insurance companies, is divided into two parts: regular payment and retroactive payment, and there is a certain percentage of rewards for the retroactive part, which are all lifelong payments, and there is no 3 years or 10 years.

Let's talk more about universal insurance, universal insurance is hyped up in various **, is universal insurance really universal? Is it really the same as it says? Does it mean that the insurance premium is flexible, and it can be paid for three or five years, but there is no such thing as insurance, why?

In other words, if the payment is flexible, it is not insurance, but should be called saving money, to the bank survival period, want to save it, don't save if you want to, save for three years if you want to, save for five years if you want to save for five years, this is called flexibility. As you know, there is no such thing as a free lunch.

I also heard that you can receive freedom, for example: you go to the bank to deposit a five-year fixed term, of course, you have the right to withdraw in advance, this is called the freedom to receive, but your interest can only be calculated according to the current interest rate, which is the loss I bear. The receipt of insurance is completely different from that of the bank.

Universal insurance, if you have a lot of money, you can consider it; If not, be cautious, or you'll end up saying "insurance is a lie".

The dividends of insurance companies are based on the profitability of each insurance company, which is dispensable and has obvious uncertainties.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

Xueba talks about insurance, focusing on insurance evaluation! The latest ranking list of popular universal insurance is out, and it is recommended to collect:"Wool! Top 10 Popular Universal Insurances Worth Buying

When the payment period expires, as long as the coverage period does not expire, the coverage is still valid. If you don't know much about universal insurance, you can take a look at the introduction below.

Universal insurance is a type of insurance that integrates investment income, death protection, and critical illness protection, with multiple protections under one policy. This kind of insurance is often the most popular product for people and insurance companies, saying that it is a kind of insurance that protects investment and win-win insurance. Even some large companies with first-line brands are recommending, such as Ping An.

Ping An has many universal insurance products that are worth discussing, such as Smart Star, Smart Star, Smart Life, Smart Life, etc., these protections seem to be quite comprehensive, and financial management seems to be okay. Is it really so comprehensive? Read on and you'll know?

Take "outwitting life" as an example.

Let's take a look at its financial management features first.

The main insurance of this insurance is universal whole life insurance, the main financial means is to give you a universal account, but it is used to increase the amount of value only after deducting the initial cost and protection cost, Ping An is advertising that there is no limit to the guaranteed interest, but how much, uncertain, Ping An will give you the guaranteed interest. What is the concept, the interest rate of Yu Bao is about now.

If you want to know how to deduct the initial cost and guarantee cost, this is a bit long to explain, if you want to know, you can go to my original article:Is Ping's [Outwitting Life] Really Worth Buying? 》

Let's talk about its safeguard function.

The biggest disadvantage of critical illness protection is that there is no mild illness benefit, which means that if you unfortunately have chronic renal dysfunction, the insurance company will not pay a penny, and will not pay you until it becomes end-stage renal disease. Nowadays, most critical illness insurance plans will cover minor illnesses, and even the sum insured is still very high. Believe it or not:

"Comparison Table of 136 Popular Critical Illness Insurance in China".

The water of universal insurance is very deep, and it is not particularly recommended to buy universal insurance, because universal insurance does not cover a lot. It is recommended that you honestly buy critical illness insurance, life insurance, etc., which are specifically designed for a kind of insurance that protects the reverse.

That's all I have for this issue, I hope it will be useful to you. Hope!

There is no need to make further contributions after the payment period ends, but the insurance liability is still in effect.

Summary. Hello dear! The access to universal insurance is relatively free, which means that Ping An Insurance universal insurance can be withdrawn after 15 years.

Normally, partial withdrawals are only supported, and partial withdrawals need to be built on the minimum amount of the personal account. Once fully withdrawn, the contract will be automatically terminated <>

<> can you take Ping An Insurance's universal insurance after paying for 15 years?

Dear, the sedan is filial to you, and the sail key is good! The access to universal insurance is relatively free, which means that Ping An Insurance universal insurance can be withdrawn after 15 years. Normally, only partial withdrawals are supported, and partial withdrawals need to be built on the minimum amount of the personal account.

Once fully withdrawn, the contract will be automatically terminated <>

<> the contract is over after the return of the gold in this hand, you can check ** to inquire about what is the cash value of your universal account, and after 15 years, you can basically get the principal back! Bizhou University is also surrendered!

<> hope it helps! Dear

Have any questions you can answer?

Hello! Ping An Universal Insurance, which has been paid for 10 years, has now been surrendered, is there any protection in the future?

Hello, after the surrender of the policy, there will be no Ping An universal insurance, and all the insurance will be withdrawn after 10 years, which is equivalent to surrender and cannot take effect. Generally speaking, the money in the universal insurance universal account can be withdrawn at any time, but not all of it, and there will actually be an agreement in the insurance contract that after taking out a part of the money, the money in the universal account cannot be lower than a certain value, and if it is taken out in full, it is equivalent to surrendering the insurance and the protection is invalid. Only after the expiration of universal insurance coverage can you withdraw all the money in it at once.

It should be noted that although the money in the universal insurance universal account can be withdrawn at any time, if it is withdrawn in the first five years, the policyholder still needs to pay a handling fee, which is generally a 5% handling fee for the first year, a 4% handling fee for the second year, a 3% handling fee for the third year, a 2% handling fee for the fourth year, and a 1% handling fee for the fifth year.

Summary. There is no loss. Universal insurance is more flexible, and partial collection is a normal preservation behavior, which has no substantial impact on the policy.

However, it must be noted that the remaining account value after receiving it must be enough to deduct the protection cost of the current year, if it is not enough, the policy will be suspended, and if there is a risk at this time and you need to lose money, you must reinstate the policy. In addition, the settlement interest rate of the universal insurance account is related to the account value. Unless you can find an investment and financial management channel with an interest rate greater than the settlement interest rate of the account after you withdraw it.

I'm sorry I don't understand, but can you elaborate on that?

There is no loss. Universal insurance is more flexible, and it is a normal preservation behavior for some things to be collected, which has a substantial impact on the policy and does not slip the calendar. However, it must be noted that the remaining account value after receiving it must be enough to deduct the protection cost of the current year, if it is not enough, the policy will be suspended, and if there is a risk at this time and you need to lose money, you must reinstate the policy.

In addition, the income from the settlement interest rate of the universal insurance account is related to the value of the account search. Unless you can find an investment and financial management channel with an interest rate greater than the settlement interest rate of the account after you withdraw it.

Summary. Hello dear, if you don't pay the premium, it is equivalent to surrendering the policy. If you surrender the policy, there is no protection.

Ping An universal insurance has been paid for 6 years, and it is not paying, what else can this insurance cover?

Hello dear, if you don't pay the premium, it is equivalent to surrendering the policy. If you surrender the policy, there is no protection.

Universal insurance is a type of insurance product. In addition to providing life protection like traditional life insurance, customers can also directly participate in the investment activities of the funds in the investment account established by the insurance company for the policyholder, and the policy value is linked to the performance of the policyholder's investment account funds operated independently by the insurance company. Part of the premiums are used to purchase investment account units set up by insurance companies, and investment experts are responsible for the transfer of funds in the account and investment decisions, and the funds are invested in various investment instruments.

It can be reinstated within half a year, and then within two years, you can continue to pay insurance. After two years, this insurance is completely invalid.

So how to surrender the policy.

Another advantage of this is that you can consult the customer service about the specific information required for the surrender of the policy, so as to avoid the situation that the insurance cannot be surrendered and run in vain due to incomplete information; 2.Prepare the surrender materials, generally you need to prepare the policyholder's valid identity document, insurance policy, premium payment certificate, application for termination of insurance contract, etc. Among them, the application for termination of the insurance contract can generally be made on the official website of the insurance company**, or it can also be filled in directly at the insurance company; 3.

Bring the surrender materials to the insurance company to go through the surrender procedures, and the insurance company staff will generally assist in the surrender, usually to recover the policy and give the surrender certificate to the surrenderer; 4.The surrender money will be credited to the bank account designated by the applicant within the agreed time. If it is an insurance product purchased on the policy, then it is generally possible to surrender the policy directly.

How many l can you return

How much can I get back? You can open the cash value table and you can see the corresponding year and what is the corresponding cash value? Look for a rock shed to the insurance policy back.

After the expiration of the flat fiber pure to an universal insurance paid in ten years, you can choose to receive or renew the policy when it expires. You can contact your insurance customer service for details.

Insurance is a form of risk sharing. Ping An Universal Insurance is a long-term insurance plan with a long coverage period that can effectively achieve family and personal financial planning. Generally speaking, Ping An Universal Insurance paid for 10 years is a maturity dividend insurance, and you can receive the policy maturity dividend after expiration.

However, the specific amount of dividends due depends on the terms of the policy at that time, and the profit factor of the assets at that time is related to the actual market conditions. Therefore, how much dividends are received by the pants needs to be analyzed on a case-by-case basis.

In addition to the dividends at maturity, you can also choose the renewal method of Ping An Universal Insurance. The renewal of Ping An Universal Insurance means that during the policy period, if certain specific risk situations do not occur, the holder can renew the policy within the specified period to extend the original insurance protection and the accumulated amount of funds in the policy account. After the renewal of the policy, you can not only ensure that you can continue to enjoy the original protection and services, but also ensure that the funds in the account can be preserved.

Of course, whether you are receiving dividends at maturity or choosing to renew your policy, you need to conduct a comprehensive and rigorous analysis of your actual situation, as well as a comprehensive assessment of different market and economic conditions, and make the best decisions and choices to maximize financial planning and risk sharing.

In short, after the expiration of the 10-year Ping An Universal Insurance, you can choose to receive the policy dividends or renew the policy, but before making a final decision, you need to do a comprehensive and rigorous analysis and evaluation of your actual situation to ensure that the final choice meets your financial planning and risk sharing needs. <>