Ping An Hongli Dual Insurance and Corning Term Insurance are more suitable for me

What is your specific situation, and we don't know which type of insurance is right for you. There is no problem with the type of insurance, and the person who referred you is the one who has the problem.

There is no insurance to deceive people, only people who deceive people.

What I'm trying to say is: insurance is the least deceiving.

You're counting interest income, but you're not counting how much money the insurance company will give you if you hang up tomorrow、、、

Insurance is your cover! If you only look at interest income, I suggest you don't buy insurance, now the annualized interest rate of bank wealth management products can easily reach about 6%, which is much more than the insurance company gives you!

Xueba talks about insurance, focusing on insurance product evaluation! What is dividend insurance, how is it, and whether it is worth buying, let's see my detailed analysis. First of all, I have to break everyone's dreams, don't touch these dividend insurances:

"In 2020, don't touch these seven participating insurances".

Ping An Hongli is unreliable, but it is not credible, and you can rest assured that it will not deceive people. The full supervision and management of the China Banking and Insurance Regulatory Commission is the reason why the insurance company is absolutely formal, reasonable and reliable, and will not deceive people, and will definitely settle the claim smoothly in accordance with the contract. Moreover, the establishment of an insurance company requires at least 200 million funds (laws and regulations are clearly written), and reliable and credible insurance companies are tested with countless real money.

However, when buying insurance, you still need to know more about whether the product is suitable for you.

What is Participating Insurance?

In addition to the basic protection content, the insurance company will also calculate the policy dividend distribution to customers every year, and the dividends distributed are not only in the form of cash, but can accumulate interest or offset the premium, and some are issued in the form of increasing the sum insured.

1. How much is the dividend of the participating insurance?

For consumers, we never know how much the dividends of participating insurance are, and we can't calculate them。The dividends of participating insurance are based on the distributable surplus generated by the difference between death, interest and fees, and the insurance company will use the high-end income as the calculation, which is actually misleading consumers and has no reference value in fact. In the end, we can only obediently wait for the result, and we will receive as much as we write on the notice.

Without a guaranteed interest rate, the insurance company just won't give you a dime, and you have nothing to say.

Second, the dividend insurance value is not worth buying

When considering participating insurance, first see if you have all the protection. To put it bluntly, insurance is not used to change life, but to prevent life from being changed, and its protection function is the most important, but relatively speaking, its protection content is not comprehensive enough.

In addition, the dividends of the participating insurance cannot be used at any time, and it has a mandatory savings function. If you don't have a lot of liquidity, it is not recommended to choose this type of product, so as not to be in a hurry and not be able to use the money.

In general, the income of dividend insurance is uncertain, and the protection is insufficient, if you have configured all the protection and want to buy a pension insurance, then I have also screened out these products for your reference:"Inventory of Ten Cost-effective Wealth Management Insurance".

As long as it is an inflationary age, what pension insurance and what dividend insurance are not cost-effective, and there is no money deposited in the bank with high interest, unless there are some special cases, such as how much is the compensation for accidental death, it depends on the nature of your work. Personally, I recommend that you don't need to buy it, if you still want to buy it now!

I bought this type of 2000 years, I don't remember exactly what year. Give me 50,000 RMB back at the age of 60, there is a P? Isn't this 、、、 a 60-year-old private placement that looks legitimate?

If you want to invest, you have to go in and out quickly, not to mention the risk, but you can see it and feel it, you are right.

Xueba talks about insurance, focusing on insurance evaluation! This comparison table of the latest 35 participating insurance products and 101 mainstream critical illness insurance products in 2020 is given to friends who know the answer when they see this articleComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in ChinaDividend insurance is actually a kind of insurance with both protection and dividends, it provides customers with corresponding protection, and at the same time, it also gives customers a certain amount of dividends according to the company's operating conditions, and an insurance takes into account the protection and financial management functions.

Indeed, participating insurance is quite popular with customers in the form of "protection + dividends", but friends who have bought participating insurance, have you really received a "red"? Anyway, I haven't seen anyone actually make a significant profit.

First, the dividends of the policy depend entirely on the economic environment and the experience of the insurance company, which is uncertain.

Second, the dividend pool is not transparent.

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!

Xueba talks about insurance, focusing on insurance evaluation! The comparison between 35 participating insurance and 101 mainstream critical illness insurance has been updated35 participating insurances and 101 hot-selling critical illness insurance products are PKParticipating insurance, in fact, is a sum of your money, part of the purchase of protection, part of the investment, not only enjoy the protection function in the policy, but also enjoy dividends with the policy.

Indeed, for customers, dividend insurance not only has a guarantee function, but also has an investment function, since the launch, quite a lot of attention but this is not the case, "dividends" sounds very simple, but I have seen friends who hold dividend insurance, no one gets the expected returns.

Clause.

1. The distribution method of participating insurance is uncertain.

Second, the dividend pool is not transparent.

It is precisely because of the existence of these two characteristics that it is difficult to make the income of dividend insurance, and it makes dividend insurance frequently complained by everyone, and the reasons are in my articleWhy is participating insurance a "high-incidence area" for insurance? It's all made clear.

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!

At that time, you bought this insurance for your father, I guess it wasn't just for a small amount of money, right? In fact, the most important thing in insurance is a guarantee, transfer the risk to the insurance company, don't worry about the claim you mentioned, although the salesman at that time is gone, but the company can still enjoy the claim, and the claim is also very convenient, not as you think.

I recommend not to withdraw these two money, unless there is an emergency, firstly because there is not much money in the first place, and secondly, because there is also interest when placed there.

Insurance is definitely the younger the better.

There is also a special person to manage the orphan policy, you can call ** to 95511 to check your current insurance ** person. Say you don't know who's in charge, and someone will come to your door to serve soon. As for you saying that people lied to you, it may be that you didn't know it at the beginning, people said that you can provide for the elderly, and you now pay dividends every year and receive money every two years, which is also a supplement to the pension.

In addition, judging from the fact that you received 1,000 at a time, you didn't pay much at the beginning. If you want to get more; It's a lot of money. and to protect more; It's about delivering more.

the strength of peace; Obvious!!!

If you are a slanderer of peace by another company, curse you that you will never be able to sell the policy!

Ping An Hongli is a lie, when buying the insurance officer said that the sky fell (I believe that the insurance company must have taught them this when they trained), after 20 years, you can't take out the principal at all, what to say that you will only give after the age of 80, and then you may not have any flowers, I just don't want to give you money!

It's not going to deceive people, but you don't understand, and the quality of the salesman is not good. My son was born in 03 and bought a year of 2730 yuan, 20 years, and 2400 yuan in three years.

Support the landlord! Ping An is always irresponsible after the salesman's boasting of profits, a salesman may have a problem with character, two, three, four. This? It should be a matter of peace, right?

Because Ping An hates death insurance!

Call 95511. You just said that you need professional service staff immediately!! They're sure they'll send one right away.

If there is an accident, even if the salesman is there, it is useless. There is a special claims department that will make a claim for you according to the provisions in your insurance contract at that time.

I have time to write, take out the insurance policy, and read it carefully. Don't have an accident, it's all to blame.

The third year back 1k has, dividends should also be there, if it is high, a year or so, you can inquire through Ping An One Account, in fact, you bought this insurance for your father at that time, I think it should not just be for this little bit of money, right? Put this money on other investment varieties to return much better, in fact, the most important thing in insurance is a protection, transfer the risk to the insurance company, you mentioned the claim do not worry, although the salesman at that time is gone, but the company, can still enjoy the claim, and the claim is also very convenient, not as you think.

At that time, your father was 54, and now he is 62, and the insurance you gave your father is good to say that you are filial piety, indicating that you are a responsible and loving person, to put it mildly, this small amount of money at the beginning of your father after the death of you will have an inheritance that no one else can share (provided that the beneficiary is you), and you have more filial piety in addition to the reputation of your daughter, you have also fallen more than you invested in the inheritance, why not?

You're selling insurance, right? in defending their own interests.

Xueba talks about insurance, focusing on insurance evaluation! Here's a copy of the latest"Comparison Table of 136 Popular Critical Illness Insurance in China"., free for everyone.

Ping An Hongli will not return the principal after the end of the payment period, but will return 8% of the sum insured plus accumulated dividends and additional insurance income every three years.

There must be many people who will have this question: is this kind of return insurance worth buying?

Let's make a detailed analysis of Ping An Hongli:

Ping An Hongli is the first dual-type participating insurance launched by Ping An Company. The so-called insurance is both life and death, that is, life and death, this insurance is a bit awesome! But are both insurance really as perfect as you think?

Don't be naïve! I suggest you take a look at this article:"About both insurance, the salesman will definitely not tell you!

Back to the topic, is Ping An Hongli worth buying? Look down and you'll see

There are several advantages to this:

1.The sum insured is returned once every three years and can be withdrawn at any time.

2.There are policy dividends, which is a point that many people are more excited about.

Let's talk about the disadvantages again: for example:

1.The amount of the survival guarantee is relatively small. According to the above friend's policy, the annual premium is 4460 yuan, a total of 10,000 yuan for 20 years, and 4000 yuan is returned every 3 years. Year ......

2.Dividends are uncertain. Depending on the business situation, it is not good to say how much dividends will be paid, and even more may not be profitable. No one can say how much money they will get in the end.

Therefore, after many people learn the truth, they have the idea of surrendering the insurance, but the money deducted from the surrender is not a little bit, so what can be done to reduce the loss?

It is recommended that you can try to reduce the amount of payment, after reducing the basic sum insured of the contract, you do not need to pay the premium, and the main insurance contract continues to be valid, and the remaining premiums are spent as much as you want, isn't it more cost-effective to buy protection insurance or concentrate on financial management?

In short, everyone must be cautious when buying insurance, and follow the principle of "protection first and then financial management", don't wait until you buy the wrong one and then regret it, then you can only suffer a loss. Take a look at this guide to buying insurance that I've compiled to teach you how to buy the best insurance for the least amount of money:"Before buying insurance, you must first figure out these key knowledge points!

Ping An Hongli Insurance will not return the principal after 20 years.

There is no such agreement in the contract.

This plan is 7% of the sum insured every three years.

At the age of 80, there is a birthday congratulations to the sum insured.

After 20 years, you can choose to surrender the policy if you want to use the money.

Surrender is the cash value of the surrendered policy.

When the cash value of the policy is greater than or equal to the total amount you have paid in 20 years, you can withdraw the policy value (that is, the principal you say) at any time, but the insurance contract will be terminated, and the return of 8% of the insured amount and the annual dividend will be gone, but if you don't take it out, then the 8% survival fund return can be returned to the end of death, how long to live, and the dividends and policy value (that is, the principal you said) can also be compounded with interest, and finally taken out at one time when you need to retire, The benefits will be relatively substantial. If you still have something unclear, you can **consult me, my PHS number is: 027-67832508

The 20-year period here is only your contribution period, and it does not mean that the insurance contract has expired.

The so-called two perfections refer to the two situations of life and death. That is, we are alive, and the insurance company will return us 8% of the insured amount every three years (aside, less than other companies); Second, after we withdraw from the stage of history, the insurance company will pay a fee to our relatives as agreed in the contract, and the contract will be terminated at this time.

The principal is non-refundable.

Only when you die or become totally disabled or reach the age specified in the policy can you get your "principal" back