Buy insurance, Ping An Century Tianjiao Whole Life Insurance is universal

Ping An Century Tianjiao [Universal Type] is mainly based on saving education funds and has the function of insurance, which is more suitable than traditional financial management methods. It can also be used as a family financial management. How to pay 10,000 deposits, the minimum payment is ten years, that is, once a year, a total of 10 times, [the middle can be deferred for one year according to your economic situation] You can also pay a few more years according to your own economic situation, and the normal payment is every 5 years, 10 years, and 15 years.

It can also be used as a premium add-on to suit the economic needs of different periods. What to cover--- the maximum insurance for basic main insurance is 100,000, and the maximum for critical illness is 100,000 [can be adjusted according to your actual situation] Pay enough for ten years [ten times] After the age of 18, you can increase the sum insured. Accident medical treatment of 10,000 per year [without payment, the contract can be insured until the age of 65, which other insurance can't do] can be attached to hospitalization medical treatment, so that the child is fully protected, and the cost is low.

Income [education fund] - take 0-year-old children as an example, pay 15 years, 15-17-year-old high school 3 years to receive 6,000 per year, four years of college 18--21 20,000 per year, 28-year-old entrepreneurship or marriage money 80,000 [take all the money paid] There is still 200,000 yuan in the middle income of the account, and more than 800,000 pensions at the age of 60. Some withdrawals --- can be withdrawn at will after the child is 15 years old, or if the account has enough 200,000 yuan, on the contrary, 25% of the funds in the account can be withdrawn at will, on the contrary, 25% of the funds in the account will be received to relieve some of the pressure. Tianjiao is the most beneficial children's insurance for customers, and customers can choose for their children according to their actual situation after understanding.

Just so as not to put stress on your life. Peace be upon you.

Hello, this is a very good children's product, if there is no pressure to pay the fee, it is recommended to solve the most basic medical treatment for the child, and then make a plan, think about the child, I don't know if the parents' accident and critical illness protection are there? It is advisable to be prepared for adult protection, after all, parents are the child's insurance, and if the parents are healthy and can make money, any expenses for the child can be afforded, right?

Hello! This is a very good product, while improving medical insurance, and then buy commercial insurance as a supplement, can solve accidents, medical treatment, critical illness, education, pension, it is recommended that you find a local ** person to help analyze, plan it! Welcome to communicate if necessary!

Hello, this is a type of insurance that not only protects against critical illness and accidents, but also can really solve the savings of children's education. Reference: Ping An Happy Baby Children's Card!

A table to explain the insurance! Ping An Children's Century Tianjiao--"Living, Wealth, and Protecting Safe Families Outsmart Life Critical Illness Medical Pension Security."

This type of insurance is very good, but the amount of payment is relatively large.

Hello, if you have this financial capacity, this product is good. Reference: Top 12 reasons to buy children's insurance.

Very smart! It's a great kid's product!

Hello, let me explain briefly:

1.Worry-free waiver B means that in the event of death, disability, and critical illness (as specified in the contract), the policyholder will be exempted from the follow-up insurance premium of the main insurance and additional insurance (critical illness) with a term of more than one year. The above simple explanation is not strict and is only for understanding.

Therefore, the policyholder of the main insurance contract is the insured, that is, the questioner above. The monthly deduction you see is related to your age, and the first month is a little more because it is not a whole month, it should be about a month and a half. It varies with age.

The cost of coverage, including critical illness, will also vary depending on the age of the child.

2.Worry-free medical care is one-year, renewed once a year, not limited to the payment period, and the contract is generally automatically renewed until the age of 65 (maximum). So don't worry.

3.Century Tianjiao is a universal insurance, in addition to the 10w insurance in the event of a critical illness, the policy value must be added. So 10w is basically enough.

Of course, you can also increase the basic sum insured, which is very convenient for Magnum. But it's not recommended to be too high, because you also have community critical illness insurance. As the sum insured increases, the cost increases, which means that the account value of the policy decreases.

4.Reimbursement for hospitalization for minor illnesses can be attached"Ping An Plus Health Life Hospitalization Expenses Medical Insurance"Two copies should be enough.

5.Minor illness medical treatment cannot be added, and it must be added in another way.

Overall, Century Tianjiao is a very good guarantee.

Century Tianjiao, this type of insurance, this children's insurance is the most suitable! The sum insured cannot be increased until the child reaches the age of 18. Because the Insurance Regulatory Commission stipulates that the amount of hazard insurance within the age of 18 cannot exceed 100,000.

Hospitalization reimbursement can be attached. You can also buy a safe hospitalization card, which is cheaper. However, if you save the cord blood for your baby, there will be reimbursement insurance, so there is no need to attach it.

Universal insurance is a lifetime deduction of the initial cost, increasing year by year, the salesman should be insured when the customer is insured to inform the customer of the detailed deduction details! If you have any questions, you can also ask the customer service center! The rider is generally renewable up to the age of 65!

Regarding the same amount of insurance for the main insurance and additional critical illness, the salesman has not considered the design well, and the professionalism is not enough!

For customers who have already purchased insurance products, they should have the most basic understanding of their own benefits (insurance plan)!

According to the provisions of China's insurance law, the salesman should explain the surrender and income in detail when the customer handles it at that time, otherwise it is a phenomenon of misleading customers in violation of regulations and will be terminated by the company!

Buy a universal for children, what do you think?

It's good to buy a 20-year-old medical, serious illness, and accident for about 500 a year.

It's good to keep the rest of the money for your children's education on a regular basis.

12,000 per year, buy universal insurance???

It's time for the insurance salesman to straighten out.

The most important thing to buy insurance for children should be medical, accident and critical illness first, followed by education funds, and the cost of universal insurance changes with age.

Oh, yes, the products of insurance companies are all about the same, not good or bad, just to see if they can help you do a good job of protection and solve your worries.

Hello, the child's hospitalization should be "worry-free medical care".

Xueba says insurance, only recommend insurance that is really useful for children!

This year, the comparison table of 136 hot-selling juvenile critical illness insurance has been updated

You can click on it to take a look, I hope it will help you.

How to buy insurance for your child

This problem has always been a problem that stumped tens of millions of parents, so let's sort out the methods and ideas for buying insurance for children! Explain from these three aspects:

First, the country's medical insurance must be handled!

After the child is registered, you can go to apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, this is the basic security welfare given by the state, and it must be handled well.

Second, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving priority to critical illness insurance + medical insurance + accident insurance.

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve many additional expenses caused by illness, such as taking care of sick children, and bringing economic losses to the family. Buying a pure protection critical illness insurance can just solve these problems in the future.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is cost-effective and practical.

Finally, accident insurance, children's accident insurance is very cheap, and the insurance amount of 20w only needs sixty or seventy yuan per year, which can protect the child's disability, death and medical liability caused by accidents, which is very cost-effective.

Third, don't buy both types of insurance for your child!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it will only be 2 or 3,000 per year, which is cheap and useful.

That's all for me"When the child was born, he purchased Ping An's Century Tianjiao Universal Insurance. Now that I have received the annual report of the universal insurance personal policy, there are many that I do not understand. "

These issues are very specific and mutually influencing each other.

Customers need to read the policy contract carefully, which has a detailed explanation of the problems you mentioned.

Century Tianjiao is a very good children's universal insurance, which has been discontinued, and there is no alternative product, and the model has ended;

The initial fee, which is for the premium. It means that the payment is to deduct the initial fee, no payment, no deduction;

The cost of protection must be deducted monthly, but it is deducted from the policy value, for the policy value;

This is children's insurance, and it is a far cry from the old issues you are considering. Although the diversity of product forms allows us to choose the use of pension functions, in fact, more functions are education funds or cash flow problems.

During the period of your payment, a large proportion of the initial fee has not been deducted, and after 5 years, it will feel different. In addition, for this product, the deduction ratio of the initial cost is the lowest, because the base is low.

Although it is impossible to know the specific policy situation, according to the understanding of the product, the product itself is fine, no matter how it is designed, which is the advantage of this product.

It's best to find an insurance salesman who works for you to explain it to you.

The screenshot above is the official terms of Ping An's product displayed by the China Insurance Association**. It shows that each premium of the product is deducted a certain percentage, and it will be credited to the account only after the deduction.

The first 5 deduction ratios are: 50%, 25%, 15%, 10%, 10% (for the part below 2,500 yuan) and 5% (for the part exceeding 2,500 yuan).

You can calculate how much you have been deducted in total, and here's how much you've been deducted

2500*(50%+25%+15%+10%+10%)+12000-2500)*5%*5=5125 yuan.

Up to now, the account amount = 60,000-5,125 yuan - additional insurance premium + interest.

The current settlement interest rate of this product is about 7,500 yuan, excluding the premium of additional insurance.

Conclusion: If you don't have additional insurance when you buy it, the account amount should be higher than 60,000, 60,000-5,125 yuan + 7,500 yuan" 60,000.

If you purchase the add-on policy, the account amount may be less than 60,000 yuan, and the premium deduction and initial deduction of the add-on insurance are greater than the interest income.

Universal insurance payment is lifelong, the deduction is also lifelong, and the annual deduction amount is with age**, which increases rapidly! The main insurance will only receive the benefit in death!

At the same time, universal insurance has a guaranteed interest rate, Ping An has a guaranteed interest rate, and other insurance companies are!

Buying Magnum must be noted:

1. Not suitable for people around 50 years old or above.

2. Based on the contract, the guaranteed interest rate shall not be lower than the bank interest rate.

3. The company has long-term stable income, and the investment income is not high or low.

4. The annual premium should be in line with one's financial ability and controlled at 10-15% of the annual income 5. The controllability of universal insurance is extremely poor and the cost is extremely high, so it is recommended that the payment age is more than 10 years.

6. The best buyers are mainly those with generous financial ability, the younger, and those with conservative needs, commonly known as "rich people"!

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

Century Tianjiao, children's universal insurance.

It focuses on financial management and is a cost-effective high-end product in children's education insurance.

According to the company's publicity instructions, the customer is set to receive high school, college and other education funds, just so that the customer can understand the insurance more intuitively, and the customer can use it as a reference, but it must be clear that this is not a commitment, you can only refer to it.

In fact, the limit set for this product is 10 years, and after 10 years, you can freely claim it at any time according to the amount of the policy value.

If it is a normal payment for 15 years, according to personal experience, the figure of 180,000 is conservative and can be achieved. Actually, what you're talking about is capital preservation? Personally, you can refer to the mid-range income of the official plan, which is relatively close to the realistic settlement interest rate level.

Finally, I emphasize 2 points: Ping An Wisdom Star is also a good choice.

Whatever you choose, don't forget to add a premium waiver. Best wishes!

First of all, this is a universal insurance, focusing on financial management functions, and secondly, I don't know how old the insured is, so I searched for data from the Internet, 0-year-old children, the content is as follows:

6,000 yuan per year as a high school education fund;

receive 20,000 yuan per year as a university education fund;

At the age of 25, he received 40,000 yuan as a start-up fund;

A total of 10,000 yuan was received as education funds and entrepreneurship funds.

Assuming the settlement rate is at a mid-range level:

At the age of 30, the policy account value (i.e. cash value) of the baby is about $270,000, the policy account value is about $970,000 at the age of 60, and the policy account value is about $1.48 million at the policy anniversary of the age of 70.