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The main function of insurance is protection, not financial management.
What is the guarantee function? That is, the function of compensation or payment for losses, specifically: the function of providing compensation or fixed payment for uncertain risks and the losses caused by them.
From the perspective of the function of life insurance, it is to protect the compensation or payment of people's risk losses. What are the risks to people? Birth, old age, sickness, death.
Life insurance, which protects life and death, is the insurance of both.
As for dividends and financial management, it is a derivative function of life insurance, because the amount of funds is large and the time is long, so financial management is needed, and financial management has dividends, how much is the dividend? This has to do with asset allocation, which is divided into high-risk, high-yield, low-yield, conservative, and rather mediocre investments such as Treasury bills. Therefore, the dividend income is similar to the principle of **.
The sky of life insurance does not return to 4 lost pies!
This life insurance is actually a life and death insurance, and it mainly bears three responsibilities:
1.Sickness and death benefits.
2.Accidental death benefit.
3.Maturity benefits.
Dividends are incidental, if you are a runner to pay dividends to invest in this type of insurance, or the salesman focuses on dividends when promoting, in the end, you will find that the original insurance companies are cheating people. In fact, insurance doesn't deceive people, it's just that you treat insurance as a **.
Advice to everyone: buying insurance is not buying **!
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Hello, the dividend is uncertain, and no one knows the specific number!
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Summary. Hello, dear, Xinhua Insurance Fuxiang Lifetime Annuity Insurance (dividend) products, annual payment of 11,640 yuan, 10 years, 10 years to receive about 20,000 ha.
Xinhua Insurance Fuxiang Lifetime Annuity Insurance (Participating) product, annual payment of 11,640 yuan, 10 years, how much after 10 years?
Hello, dear, Xinhua Insurance Fuxiang Lifetime Annuity Insurance (dividend) products, annual payment of 11,640 yuan, 10 years, 10 years to receive about 20,000 ha.
Xinhua Insurance Fortune Lifetime Annuity Insurance (Dividend) product, this product is a lifetime survival annuity insurance, the insured survives, receives 20% of the sum insured and 20% of the dividend amount every year, according to the time when the insured is insured, 30 years old to pay 11,640 yuan for 10 years, the basic insurance amount is 9800 yuan, 20% of the basic insurance amount is 1960 yuan, that is, 1960 yuan and 20% of the dividend every year. After 10 years, the money received is 19,600 yuan plus 20% of the 10-year dividend, which is about 20,000 yuan.
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Summary. Hello, it is a pleasure to serve you, I have received your question, I am sorting out the answer for you, it takes time to type, please be patient for a while, and answer it for you immediately!
Xinhua Insurance Double Happiness C Dividend: How much money can you receive when you pay 10,000 yuan a year, pay 5 years and 10 years.
Hello, it is a pleasure to serve you, I have received your question, I am sorting out the answer for you, it takes time to type, please be patient for a while, and answer it for you immediately!
New China Insurance Double Happiness C Dividend Type is a dividend-paying type of insurance for both parties, which can withdraw all the principal after ten years, but it should be noted that the principal is calculated by the amount agreed in the contract plus the annual dividend plus the final dividend. Dividends during this period are uncertain and are distributed by the insurance company according to its own operating conditions.
Hello, after the expiration of the 10-year protection period, you can get back 58,000-60,000 at one time<>, depending on which participating insurance you bought in Xinhua, the specific terms of the insurance contract are different, and the final income is different
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Summary. Hello, pay 5,000 a year for five years, and you can take 10,000 after 10 years.
Xinhua Insurance Double Happiness Yingbaoshun Insurance pays 5,000 a year, and how much can you take for five years and ten years.
Hello, pay 5,000 a year for five years, and you can take 10,000 after 10 years.
If you buy it at a bank, you can get back the full principal and interest after five years, but the insurance contract is terminated. If purchased by an insurance company, the cash value of the 10th year can only be recovered in the form of surrender after 10 years.
I'm sorry, I'll correct it, if you take it after ten years, if you buy it from the bank, you can withdraw about 10,000 yuan, and if you buy it from an insurance company, you can only get back the cash value of the tenth year.
Oh, I was persuaded in the bank lobby at the time.
Nowadays, many people go to deposit and are bought as insurance.
This type of insurance purchased by the bank is very inadequate, and it can only be claimed in the event of death or disability. And the sum insured is not high.
Actually, I didn't understand <>
Many people are like this, and they buy insurance in a daze.
Then will the premium be directly punched in?
The insurance purchased by the bank has a two-year fund sealing period, the first two years are not able to withdraw, the capital is guaranteed for three years, and the profit is after three years.
You need to surrender the policy before you can get the card.
Oh ok, thanks.
It is also possible to go to the bank after 10 years to withdraw the money, and then the insurance contract is terminated.
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Summary. The sum insured is used as the basis for dividends. Taking the new C section of "Double Happiness" (5 years delivery) as an example, due to the use of a unique dividend increase method to distribute dividends, once the customer buys, the insured amount will be used as the base of dividends, which is equivalent to expanding more than 5 times before dividends.
In addition, the sum insured dividend adopts a combination of annual dividend and final dividend, so that the annual dividend is relatively stable, and the insurance benefits obtained by customers in the event of an insured accident will not suffer losses due to fluctuations in the market and the company's operation. Therefore, the sum insured dividend mechanism adopted by "Double Happiness" not only meets the reasonable expectations of customers in different economic environments, but also meets the needs of customers for long-term protection and long-term planning.
Xinhua Life Insurance Double Happiness C pays 20,000 yuan a year and pays five years How much money can you get in the end.
Hello dear! New China Life Insurance Double Happiness C, pay 20,000 yuan per year, pay for 5 years, and after the expiration date, you can get about 180,000 yuan. If the insured survives to the expiration of the insurance period, the Company will pay the maturity survival insurance benefit according to the sum of the basic insurance amount and the accumulated dividend insurance amount.
You pay a grade of 20,000 yuan, a total of 5 years, and the total amount you can receive after the expiration is basically about 180,000 yuan.
The sum insured is used as the basis for dividends. Taking the new C section of "Double Happiness" (5 years delivery) as an example, due to the use of a unique dividend increase method to distribute dividends, once the customer buys, the insured amount will be used as the base of dividends, which is equivalent to expanding more than 5 times before dividends. In addition, the sum insured dividend adopts a combination of annual dividend and final dividend, so that the annual dividend is relatively stable, and the insurance benefits obtained by customers in the event of an insured accident will not suffer losses due to fluctuations in the market and the company's operation.
Therefore, the sum insured dividend mechanism adopted by "Double Happiness" not only meets the reasonable expectations of customers in different economic environments, but also meets the needs of customers for long-term protection and long-term planning.
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Summary. The financial management aspect of this kind of insurance is still good, and the interest rate is higher than that of time deposits, but this insurance cannot be withdrawn in the first two years, and there is a period of fund sealing, and it can only be withdrawn after two years. However, after two years, it is three years in a state of loss to protect the principal, and there will be interest after three years, and this kind of insurance generally stipulates that the withdrawal time is the sixth, seventh or eighth year.
For protection, this insurance is not very good, only death or total disability can be claimed, so to buy this kind of insurance, it is recommended to buy it now under the premise of personal protection insurance, and in addition, this insurance must not be broken when you buy it, once you break it, it is easy to lose money.
Hello, Xinhua Insurance Double Happiness C dividend type pays 10,000 yuan a year, pays 5 years and 10 years, and can receive 67,500 yuan when it expires.
The financial management aspect of this kind of insurance is still good, and the interest rate is higher than that of time deposits, but this insurance cannot be withdrawn in the first two years, and there is a period of fund sealing, and it can only be withdrawn after two years. However, after two years, it is three years in a state of loss to protect the principal, and after three years, there will be interest on Swift Sail, and this kind of insurance generally agrees that the withdrawal time is the sixth, seventh or eighth year. For protection, this insurance is not very good, only death or total disability can be claimed by the beam, so to buy this kind of insurance, it is recommended to buy under the premise of personal protection insurance, in addition, this insurance must not be purchased when the mu hail is paid, once the relationship is broken, it is easy to lose money.
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New China Life Insurance Double Happiness can be full insurance (a) (dividend) ten years full of 8,000 should be how much.
Hello dear, it is a pleasure to serve you <>
New China Life Insurance Double Happiness can be fully insured (a) (dividend) for ten years, and the income obtained is the difference of 8,000 yuan, the guaranteed income of 1,200 yuan, and the annual dividend accumulation + maturity survival dividend. The dividends are uncertain. The details of dividends are based on the investment performance of the insurance company in each year.
Dividends are designed to allow consumers to avoid certain risks during periods of inflation and interest rate hikes. Moreover, this product is designed with a double dividend method, which can alleviate the uncertainty and volatility of dividends to a certain extent. There are three forms of terminal bonuses that allow you to get more of the benefits.
Bonus slips are sent every year, and they may be delayed on the way. However, you only need to call the company's service **95567 to answer manually, and you can check your bonus account balance at any time. The 07 dividend is very impressive, but the 08 dividend is estimated to exceed 07 years, and the specific announcement time is after the end of July 09.
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