Zhengde Longsheng Insurance, Zhengde Longsheng Insurance Universal Can you still take out the money

Hello, China Life New Ruixin 2013 Edition is a comprehensive protection product. The payment is different for different ages, so you need to know how much you pay each year, and you can call or click on my QQ to inform you in the same city!

In the fourth year, he began to receive 3,000 yuan per year, 6,000 yuan per year after the age of 60, and then 300,000 yuan until he was 85 years old.

Attached gold account: compound interest rollover, receive at any time, can be used as a wedding fund, entrepreneurship fund and pension.

Cover 40 kinds of critical illnesses, 300,000 guarantees, one-time payment in advance, and go directly to the insurance company to make a claim with the diagnosis certificate of a second-level hospital or above, and be insured until the age of 85.

Accident insurance, up to 1.2 million compensation, up to the age of 85.

In order to resist inflation, Chinese Life will give 70% of its annual profits to customers.

Taken together, one policy covers every aspect of life.

China Life New Ruixin 2013 Edition.

The types of diseases are much more protected: 40 critical illnesses are subdivided into hundreds of diseases.

Frequency of annuity collection: annual fixed return, and enjoy the annual dividend of Chinese's life.

There are many pensions and early payment time.

High value protection: 6 times the sum insured for ordinary accidents, 9 times for public transportation, and 12 times for airlines.

Profit omnipotence: lifelong omnipotence.

Principal repayment: 300%.

Zhengde is a bancassurance company, and the scale is okay.

You see if you buy a product with a high cash value, such as a guaranteed guarantee, and there is no deduction for 2 years of surrender.

If it is a dividend fixed life, which is misled by sales, if you think it is not cost-effective, you can do the deed withdrawal within 10 days.

Can be withdrawn, as long as one year does not take out will not lose the principal, and there is a certain income, this is a fixed income insurance wealth management products, as long as the deposit for two years is certainly higher than the bank two-year fixed interest.

Nowadays, it can be said that banks selling insurance are full of chaos. Many banks are in the ordinary counter instead of the counter ** insurance, the salesman is vague, deliberately saying that insurance is savings, wealth management products or "wealth management products with insurance functions", exaggerating the income and fooling customers to buy. When the customer finds out, it is too late, and if the policy is surrendered, it will suffer a heavy loss, and there is no choice but to continue to hold it.

There are also bank staff who do not disclose the risks and conceal key elements such as expense deductions to induce consumers to spend blindly. Or say that long-term insurance is short-term insurance, and that period-payment products are single payment products, and if you are unwilling to surrender the policy at the time of renewal, you have to pay the premiums every year.

1.The spark plug loses its ability to ignite.

2.The throttle valve is faulty. Both of these problems can cause engine shake and unstable speed.

3.Carbon deposits will cause insufficient combustion of gasoline, and the engine will shake. The impact of engine carbon deposition on the car is quite large, first of all, to reduce the engine power, that is, to make the power output uneven and gradually decay, in other words, more and more powerless.

The second is to increase fuel consumption and increase your financial burden. The third is the difficulty of cold start, that is, the difficulty of ignition, it is not easy to get on the car, and finally the carbon deposit in the combustion chamber is strict, and a heavy one will also cause cylinder detonation, and there will be a sound of low-speed acceleration, which will cause damage to the piston and crankshaft, and cause high temperature of the engine, which will seriously affect the safety of the car. Then there is the excessive discharge, which not only fails the annual inspection and inspection, but also directly aggravates the harm of polluting the environment.

4.The load operation of the gearbox will destroy the quality and friction characteristics of the transmission oil, increase the friction and wear, and the transmission noise will follow, and at the same time, the sludge (impurities or dirt) will also be generated inside the transmission (such as the valve body), resulting in the transmission staggering and slipping, disgearing, impact, skidding, stalling, abnormal noise, delay, high temperature, oil leakage, etc. (Audi and other high-end models will call the police and enter the transmission protection mode) If it is not solved in time, the transmission will be scrapped.

Extended reading: [Insurance] How to buy Yinsheng, which one is good, teach you to avoid these insurance"pits"

You can go to the bank, but the bank is also an agent, and it takes time to transfer to the insurance company, so it is more direct to go to the insurance company.

Anbang Shengshi No. 9 Dual Insurance (Universal) is a universal life insurance product. Universal life insurance is a new type of insurance product that takes into account financial management and insurance protection. Compared with traditional life insurance products, universal life insurance has the characteristics of flexible payment, transparent fees, capital appreciation, etc., and sets the highest interest rate on the value of the policy account, which is very suitable as a tool that takes into account flexible protection and stable financial management.

Product features] 1. Low cost, transparent and open.

Only the initial fee for the first premium is charged, the risk-free insurance premium, and the policy administration fee is 10 yuan per month, the fee is low, and each deduction is transparent and open;

2. Continuous payment and special rewards.

If the policyholder pays the renewal premium as agreed, he or she will receive 2% of the current premium as a continuous payment reward, which will be credited to the policy account.

3. Partial collection, flexible funds.

During the validity period of the insurance contract, you can apply for partial receipt of the policy account value to facilitate the flexible use of funds;

4. Stable income and expert financial management.

The policy account will be managed by the company's professional investment team, and the product itself has a minimum guaranteed interest rate (currently the minimum guaranteed interest rate is;

5. Daily compound interest, monthly interest.

This product adopts daily compound interest calculation, which fully demonstrates the advantages of compound interest and is conducive to coping with inflationary pressure.

Notices] Scope of insurance: 28 days old - 70 years old.

Insurance period: 8 years, 10 years, 15 years and 20 years.

Payment period: 3 years.

Payment method: annual payment.

Payment amount: 1,000 yuan per copy, with a minimum of 10 copies.

Insurance Liability] During the validity period of the insurance contract, the company shall bear the following insurance liabilities:

Maturity benefit.

At the expiration of the insurance period, if the insured is still alive, the company shall pay the "maturity insurance benefit" according to the policy account value of the insurance contract, and the insurance contract shall be terminated.

Death benefit.

In the event of the death of the Insured, the Company will pay the "Death Benefit" at the rate of 105% of the policy account value of the insurance contract at the time of the insured's death, and the insurance contract will be terminated.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The so-called universal insurance is actually a combination of multiple types of insurance, generally including a combination of critical illness, accidental medical treatment, accident insurance, etc., and the income (annualized interest rate) is announced every month, and there is usually the lowest income protection. The insurance company will deduct 50% of the initial cost of the first year of the premium, only the remaining 50% will go into the account, the initial cost of the second year is generally 25%, only the remaining 75% will go into the account, the initial cost of the third year will be 15%, only the remaining 85% will go into the account, the initial cost of the fourth and fifth years will be 10%, only the remaining 90% will go into the Congchun account, from the sixth year onwards, the initial fee will be 5%, and the remaining 95% will go into the account, until the premium is paid, it will remain 5% per year Moreover, the management fee of the account itself is deducted every month, and the initial account management fee will increase with age, the older the age, the higher the account management fee (the account management fee is also called the cost of protection), therefore, for the average family, I do not recommend buying universal insurance, universal insurance and investment-linked insurance, are investment-type insurance, the focus is on income, and for ordinary families, the effect of insurance is not how much money you make, but how much risk you can avoid, Honestly buying some accident insurance and critical illness insurance is the greatest protection for yourself and your family. When buying insurance, you must get out of a misunderstanding, don't think that outrage can bring you how much income insurance can bring, its role is to exempt or reduce unknown economic losses for you.

Limit unpredictable risks and losses to a certain range to prevent secondary damage.