Is the monthly payment of 292 5 for Taiping Life Insurance of China Merchants Bank appropriate?

As you said, it's what people say, not what it says in the terms. Many customers want to pay for 15 years, guarantee for 25 years, and return the premium at the end of the term, which is a good choice. But in fact, 25 years later, are you still at the age of high incidence of critical illness?

You must know that after 25 years, your protection will be gone, and if you apply for critical illness insurance, the premium will be very expensive. Also, what are the types of critical illnesses covered? In the early days, will the payout be an independent payout or an early payout?

Is accident insurance only for travel accidents? So how to deal with accidents in general? Is there any medical compensation?

It is recommended to combine your own situation and find a person to understand in detail.

**The insurance sold is also one of the insurance products, so there is no need to consider it from the fear of being deceived. However, considering your income, 300 a month is 3600 a year, and the key is whether this cost will affect your life. Moreover, for critical illness health insurance, it is recommended to communicate with the local insurance person to better choose the right type of insurance.

Because age, income, expenditure, family structure, etc. are all a scope of consideration, it is necessary to have a more suitable combination after comprehensive communication, otherwise pure purchase may also lead to surrender in the future, which will cause greater losses.

One month, 3,510 a year, a total of 52,650 yuan for 15 years, and an insurance amount of 100,000 yuan, it is still okay to compare. This is if your financial situation allows.

Hello, I am the ** staff of Taiping Life Insurance. For a person, the principle of buying insurance is generally to be healthy first and then manage money, so this is a very good product with major illnesses and accidents. If you want a more detailed consultation, you can click on the avatar!

Hello: You have a basic understanding of your situation. You are so young and have such a consciousness, first of all, congratulations to you.

Based on the situation you described, you will be given some professional advice from a financial planning perspective. At this stage, you are relatively young, and you can use insurance to solve risk management while forcing yourself to save a sum of money for future life planning. A well-planned life will make you more relaxed and more at ease to face the challenges of the future.

In terms of specific financial planning, you can plan as follows: 1) First, make a monthly allocation based on your current income. Start by setting up an emergency reserve account.

This account is used to deal with short-term unexpected financial expenses and temporary arrangements for personal hobbies and hobbies. Fund allocation: 10% of salary income.

Allocation direction: bank current savings or currency type**(t+0)2) Establish a risk management account.

In response to the occurrence of sudden time in the future, it may cause us financial losses, bring heavy financial burden to the family, and make up for the lack of social security (accidents, diseases). Fund allocation: 10%-15% of salary income.

Configuration direction: protection insurance. If you want to do further planning, you can nod your head and QQ to talk in detail!

If you think about the term insurance, after 25 years, the insurance will be gone when you need it most, and if you buy a whole life insurance, the cost will increase. If you are also more concerned about protection, you may wish to find a professional insurance ** person to do a comprehensive protection needs analysis for you to carry out a comprehensive insurance protection plan, so that you are more responsible for yourself, and you are also welcome to click on my avatar for further consultation. :)

Hello! Pay 15 years for 25 years, then after 25 years, you will have no serious illness protection! Don't know when and how old you are?

Is it when you need critical illness protection? Think about it yourself and analyze it! It is recommended to buy lifelong critical illness protection from the insurance company, it is better!

It's just a little personal advice! Reference: (2012 Edition) Chinese Shou Kangning Lifetime Heavy [Original] 27-year-old Miss Jin's new Corning Health.

It's good, and take care of serious illnesses and accidents. It is still necessary to carefully look at the terms of the contract to confirm the coverage of the insurance, the type of critical illness, the type of accident, and whether the ordinary accident is claimed. The protection period is relatively short, and it is best to buy a critical illness insurance with lifelong protection.

After 25 years, your protection will end, but it is a time of high incidence of critical illness, and it will be very expensive to buy it at that time, and it may not be possible to buy it.

Hello, it is recommended that you send the name of the product so that we can help you read the specific terms. For example, how many types of critical illness are co-insured?

What are the deductibles? Is accident insurance only for travel accidents? Insurance is based on only one insurance contract to provide us with future protection, so we must read the terms and conditions clearly before buying.

All the best!

Hello! According to your situation, this type of insurance is still good, how old are you now, if it is safe to 25 years later, there is no protection, if you are relatively young, it is recommended to buy a lifelong insurance, if you are 40 years old, you can consider! Detailed QQ contact!

Dear customers! Our PICC's "Huimin Insurance" is very suitable for your products, not only dividends (compound interest increases) every year, but also protection against critical illnesses and accidents! Flexible payment and pick-up, I wish you and your family happiness and safety.

The more funds are allowed to protect the insurance, the better, to give you a correct insurance concept, health protection is recommended to be insured for life, and after the age of 60, no matter how rich you are, all insurance companies will not sell you high critical illness insurance.

I don't know what kind of insurance you want, you are talking about the first sale of insurance, they are only responsible for selling products are not professional enough, if you want to protect the insurance, please find a professional insurance ** person to help you do.

This depends on what type of insurance you have, the content of the insurance, etc., and you can't say whether it is suitable or not.

Good insurance! However, for long-term protection, it is recommended to buy a lifetime protection product!

Then you contact the customer service staff of the water insurance company, and then agree with their salesman on the surrender issue.

See which insurance company you received the SMS notification from, and then hit ** to surrender the policy.

The surrender rate is generally around 70%. The policyholder can unilaterally terminate the insurance contract during the cooling-off period, that is, the policyholder can surrender the insurance and terminate the contract at any time. ‌

Requirements and procedures for handling surrender of insurance:

The applicant is eligible to apply for surrender. If the insured applies for surrender, the written consent of the policyholder must be obtained, and the policyholder must clearly indicate who will receive the surrender money;

If the policyholder applies for surrender, the contract has been in force for two years and the premium has been paid for two years, the insurance company shall refund the cash value of the policy after receiving the surrender application, and if the policyholder has paid the premium for less than two years, the insurer shall refund the remaining insurance premium to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge.

The surrenderer shall provide the following documents when handling the surrender:

If the insured requests to surrender the policy, the applicant shall provide the application for surrender with the written consent of the policyholder;

The insurance policy provided by the surrenderer to prove the conclusion of the contract and the proof of the last payment;

Proof of identity of the policyholder;

If the policyholder or the insured entrusts another person to handle the application on his behalf, the power of attorney of the policyholder or the insured and the identity card of the principal shall be provided.

Recently, I have found that many people who surrender their policies are surrendering critical illness insurance, and it is also true that critical illness insurance is more complicated, and it is inevitable that they will feel that it is not suitable for them after buying it"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

How to surrender the policy? There are two forms: online surrender and offline surrender.

(1) Online surrender

An analysis is provided:Is it reliable to buy insurance online? What is the difference between online and offline insurance? 》

(2) Offline surrender

Offline surrender is generally this process:

You can consult the surrender location and bring all the information, so that you can handle it at one time. The insurance company cannot refuse to surrender the policy, but there is a loss in surrendering, and the cash value can only be returned, so you must be mentally prepared. The insurance company will refund the cash value of the contract within 30 days from the date of receipt of the application for termination of the insurance contract by the insurance company, and the insurance company will refund the cash value of the insurance contract within 30 days from the date of receipt of the relevant proof and information.

If you've already made the decision to surrender your policy, it's important to remember that you can't surrender your old policy until your new policy is in effect, so that you'll always be covered.

Accident insurance has no cash value ......

Xueba talks about insurance, focusing on insurance evaluation! Suddenly, I found that everyone has been talking about water drop protection products recently, so I will talk about water drop protection in detail If you are interested, you can take a lookIs it reliable to buy insurance on water drops? Is the product good?

Are there any pits? 》

You may have accidentally pressed the insurance on Douyin and other software, pay attention to the fact that the dozen yuan a month written on many advertising links of Shuidi Bao refers to only the first month, and you have to pay hundreds of yuan in the next month, and often accidentally open the automatic renewal function. If you don't want to continue with the insurance, you can take a look at the surrender section below.

1. Is the water drop reliable? What should I pay attention to?

Shuidi Bao is first of all an insurance platform, and the products on the Shuidi Bao platform are provided by a number of insurance companies, and there is no doubt about the authenticity. The insurance you buy online must be legally protected.

What should I pay attention to?

It should be noted that if you see an advertisement like "you can buy a million medical insurance for three yuan a month" on Douyin or other platforms, you must carefully read the terms and conditions when buying the product.

2. What should I do if I want to surrender the policy?

Can I surrender the policy in full? Let's find out《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

In general, there will be three paths:

2) Another simple way is to directly call ** to ask for surrender.

3. What products are worth buying?

Water drop insurance is fucking deceptive forced to buy and sell, if you buy nominally it shows that the insurance is surrendered, but the fact is that you are still forcibly deducting your money, this is a clear robbery and a clear fraud money.

Then you can complain, gather complaints, 12315, CIRC, you can do it. You can contact their customer service first to see what it says. If you have sold any products, the fee will be automatically deducted.

I seem to have seen this advertisement, I still need to find a big company to buy insurance, and small companies really don't rely on ordinary people.

Hello, the most important thing to buy insurance is to buy the right insurance, it is recommended that you should combine your actual personal situation to the insurance company or a special insurance platform to compare and choose the right type of insurance, only to buy the right insurance is a good insurance, good luck.

Hello, our bank does not have the business of directly applying for a card with Chinese Life Insurance. There is no deposit or guarantor required to apply for a China Merchants Bank credit card, and the most important condition for the application is to have a stable job and income. When applying for a credit card, you need to fill out the application form and attach a copy of your identity document, a work certificate issued and stamped by the personnel department of the unit, of course, if you can provide other proof of financial resources, it will be more helpful for us to understand your personal situation and judge the credit limit.

The credit card limit is initially determined based on the information attached to your application and your specific situation. However, your credit limit is not fixed and will increase as you spend on your card, make repayments, and spend time on your card. You can call the toll-free service**800 820 5555 after 3 months of card holding** to request an increase in your credit limit, and we will apply to the relevant review department for you according to your spending index, repayment history and spending habits.

Or when your financial level has improved, you can also provide us with relevant certificates, and the audit department will evaluate your credit limit based on the materials you attached. At the same time, you can also apply for a temporary credit for urgent overhead calls.

If you have a life insurance policy from Ping An, I can help you apply for a Ping An credit card. The amount ranges from $3,000 to $50,000, depending on how much premium you have saved.

Ping An Bank does not recognize the insurance policy of Life, but Guangfa recognizes it.

I am Ping An You can apply for Ping An life insurance You can use it directly Ping An Shenzhen Development Bank's credit card The limit depends on your list and your own credit The bank can only recognize its own company's life insurance list The Chinese life insurance list should not help you.

It should be true, but there will be no salesman in the future, and I will directly find China Merchants Bank or the Pacific Ocean?? It's a problem that pushes a lot of trouble.

Of course, the customer service will not want you to return it. You buy, he's glad; If you retreat, he doesn't have anything good to say in his heart.

Generally speaking, life insurance products or property insurance can be refunded.

Any insurance purchased by an insurance company has a 10-day cooling-off period, during which the policy can be surrendered for a full refund of the premium.

After 10 days, a percentage of the premium will be deducted.

If you're asking if you'll be able to recoup the cash value you pay now in 15 years, it goes without saying yes.

As long as the renminbi is not worthless in 15 years.