Are there any negative problems with Nirvana Life Insurance?

The principal return cycle is too long, and the withdrawal of funds is not flexible! There is no fixed dividend distribution, it belongs to pure financial management, and there is no guarantee function!

Look at the whole picture and give yourself an objective choice.

What is a negative issue? Are you saying insurance companies are going to go out of business, or what?

This is an insurance product, there will be no quality problems, everything is in accordance with what is written in the contract, as long as you think this product can be, and it is quite suitable, there is basically no problem. There is a 10-day cooling-off period after taking out insurance. If you surrender the insurance within the cooling-off period, you will be refunded in full, and only the cost of your contract will be charged, generally about 10 yuan.

What are the negative issues you are referring to?

Nirvana Life is a good financial product. 9% of the insured amount will be returned every two years, and it will be returned to life, with dividends every year, and the payment period is short, and Ping An's dividends are considerable, because Ping An invests in infrastructure construction in some countries, such as the Beijing-Shanghai high-speed railway, the World Expo, the Three Gorges Project, and so on.

In addition to that, your principal is still there, and you have a lot of money!

There is no negative, you should understand the product when you buy it, the only disadvantage is that there is no personal protection, and the dividend is relatively high.

The strength of insurance lies in protection, financial management is a weakness, and financial insurance is basically not as good as a 5-year bank deposit (at least 25 years).

Introduce a simple and operational way to buy insurance: choose consumer-based critical illness insurance, medical insurance, term life insurance, accident insurance and other real protection products, and they are all main insurance, not additional insurance; If you don't pursue uncertain factors such as dividends and financial management, you will be right, you will not regret it in the future, and it will not cost much and have strong protection. Suitable for all kinds of customers with different incomes.

If you are saving money for your baby, it must be cost-effective for a long time, if you want to see a return in a short time, it is not feasible, and you need to save for more than 20 years to see the return.

Rich life is absolutely possible, you can also buy a few more rich, ** is also a good investment project!

Sun Life Everbright Insurance Company's latest strength is great**, but unfortunately the product is full of loopholes!

Without further ado, let's first take a look at the protection content of Sun Life Everbright Nirvana Life Annuity Insurance (Participating).

There are two ways to receive dividends from Sun Life Life Annuity Insurance (Participating), which are cash payment and interest accumulation. I believe that many people want to apply for Sun Life Life Annuity Insurance (Participating) for dividends, but I want to tell you one thing, the dividends of Sun Life Life Annuity Insurance (Participating) are not guaranteed, and it is also stated in the contract that the dividend level of the policy is not guaranteed and may be zero in some years.

Therefore, it is recommended that you do not impulsively buy this product because of the dividends.

Why are there so many complaints about participating insurance? Demystifying the mystery of participating insurance.

In addition to the policy, Sun Life Everbright Nirvana Life Annuity Insurance (Participating) also provides annuity and death benefits.

However, compared with other annuity insurance, the protection advantages of Sun Life Everbright Life Annuity Insurance (Participating) are not obvious.

Because there are many lifetime annuity insurance on the market that will set a guaranteed receiving period, for example, Guangming Huixuan Pension has a guaranteed receiving period of 20 years, which is relatively more humane.

Does Guangming Huixuan Pension have high returns? The answer lies in the text.

What you can get this year is the survival fund, and Nirvana Life will receive a survival fund every 2 years, according to 9% of the amount of insurance you bought.

As for what you said about dividends, dividends are dividends, there are two ways to receive them, one is to accumulate interest (according to compound interest), and the other is to receive it once a year, this depends on how you choose in the policy (most people choose to accumulate interest), and if you choose to accumulate interest, you can get it back until the end of the insurance contract.

The insurance benefits of Nirvana Life Participating Insurance are divided into 3 parts: one is the survival fund of 9% of the insured amount returned every two years; the second is the dividend distribution calculated every year (generally choose to accumulate interest); The third is the cash value of the policy.

Correct the upstairs, the bonus can be withdrawn at any time.

Insurance is a medium and long-term investment, and there is no profit in the early stage, but it is net profit after returning to the capital. There's data analytics behind your policy that you can use to calculate.

Ping An Financial Advisor.

Sorry, Nirvana Life has officially stopped selling on February 28th.

1,5 years later I can draw 120,000 of them.

The loan is calculated at 80% of the cash value.

In the fifth year, Fugui's cash value is around 100,000.

In other words, you can only borrow about 80,000 yuan.

2. The insurance company deducts the loan interest, how much can I have left every yearThe insurance company is not a fool, it is impossible for you to lend out all your money and give you money every year.

Policy loans are just for temporary relief, please don't think you can speculate 3, rich life.

Buying this is to save a spare amount of money that you basically can't use to save in another place to get a higher and higher yield than the bank.

First of all, it is a dividend-paying product, and the income is determined by the annual dividend.

For the dividends of insurance companies, they are determined according to the annual profitability of insurance companies, which are dispensable and have obvious uncertainties.

If the content of the contract does not clearly state the specific amount of money to be received, just saying "how high" is based on a person's mouth, it will be an empty "check" that the insurance company cannot cash.

Also, you can test the other party like this: "Is there a contract on the "salesman said that the first year can be divided into 1,000 yuan, the second year can be divided into 2,000 yuan, and so on, the fifth year can be divided into 5,000 yuan." Then there will be a return of 5,400 yuan every 2 years".

If not, then use your money to make up for it, and give me your or relevant written materials.

Therefore, such a situation is impossible.

Secondly, the loan you are talking about can only be applied for after 2 years, and you can only lend 70% of the cash value of the policy, not 120,000 yuan as you said, which is definitely not so much.

1.You have to check that this insurance is no longer on sale, and it may not be the same from place to place. Don't know where you are?

2。The dividends mentioned by the salesman are impossible to guarantee, because the dividends are based on Ping An's annual profits, such as the year when Ping An's investment failed, there was no dividend. Don't take the salesman's ** as a commitment to the contract.

After a year, the policy has an insured value, you can indeed make a policy mortgage within the insured value, and the insurance company will deduct the loan interest, which is generally quite high, depending on how the contract is agreed. This is generally not recommended ......

4.There is a rumor that the rate of return on a rich life is actually not very high, so you must consider it carefully. Specifically, you can play safe**, and ask how much the dividends of the rich life have over the years.

According to what you said, the salesman has misled and deceived you!

Reasons: 1. Dividends are uncertain.

I don't pay back the principal after the year, because the initial cost is very much!

3. There is no detailed explanation of the insurance liability, and the cash value customers do not know!

This friend, the wealth that he has paid for 5 years has been discontinued. Nirvana is a wealth management product. I think maybe the salesman didn't explain it to you, but you seized the opportunity to manage your money.

You can look at it from an unprofessional point of view. It's out of sale, think about it, why is it going to stop. It must be that the insurance company thinks that it is not profitable to stop selling.

Because insurance companies are financial units, it is impossible to do loss-making business.

I'm in the financial management industry.

It's no longer on sale.

What the salesman said was plausible. Not exactly.

30,000 yuan is of no big use to buy, I suggest at least more than 10,000, otherwise I don't know what to do, and 10,000 can be used as education funds for children in the future.

Well, yes, Fugui is out of sale. Ping An launched Jinyu Life in March, this product is also very good, and the return of the insured amount is one point more. It's right to choose the right insurance product.

No, I'm going to give you a five-year demo tomorrow, and now it's out of sale for three years.

Hello: Regarding your doubts, there should be detailed terms in your contract, take a closer look, and now it is only recommended to ask your ** person.

In fact, when buying insurance, you should fully communicate with the ** person, understand it clearly before buying, and don't consider returning it if you buy it, after all, you are buying a guarantee.

Since I've bought them all, why should I return them? Insurance is a medium and long-term investment, and it is really a good financial product.

From the age of 66 to 88, you can receive a supplementary pension once a year, which is something that the bank can't give, and you can also have a guarantee before the age of 66 The death benefit is three times the sum insured plus dividends After 66 to the age of 88, the death benefit is double the sum insured plus dividends The bank cannot be compared.

It seems a bit early to consider pension insurance at the age of 25, and if you have other protection insurance more comprehensive, you can consider it.

Insurance as a kind of compulsory savings, can accumulate a lot, note that I use "savings" rather than investment, so its own value-added function is not strong, but there is a "mandatory" characteristic, because it is stipulated that the annual payment, on the contrary, is surrendered, the loss is very large, so that when you can save money, it is conducive to long-term planning.

You don't just have to count how much of a lifetime you get back, because you and I can't calculate the cost of time (but the actuary of the insurance company has it).

First of all, according to the way you said to receive it, you have erased the biggest feature of Xinhua, the sum insured dividends, and the compound interest increases, which means that the money you receive each time is rising and the protection is increasing. Last year's dividend is that if you have 10w of the sum insured, last year's dividend is 850, and next year's dividend is 100850 and then multiplied by 920, the amount you receive is 101770 multiplied by 8%, which is 8141. That's almost the number You do the math, compound interest is definitely more cost-effective than the bank, and there is also three times the value of the guarantee, 30w+.

It's three times the sum insured, and your sum insured is still rolling pretty good! And that's not to mention the ...... in the future

The garbage is very... Don't buy it.

All insurance companies' participating insurance is a scam. It's like a doctor who doesn't prescribe medicine for you, but gives you a packet of sugar... Although it is delicious and tempting, it has no effect on curing diseases.

Dividend insurance, too, does nothing to improve your financial security, and as an investment, it has a rate of return only slightly higher than that of a bank deposit, but at the expense of fifty or sixty years of liquidity... It's not cost-effective...

I am a salesman of Ping An Company's Shenzhen Branch, and you have such a clear comparison, which shows that you have a strong sense of numbers.

1. This product is more beneficial for children, such as 0-year-old children, with the same amount of insurance, yours will be 50,000, and children's will only be about 10,000.

2. Even if you compare the above numbers, it will be calculated according to 6 years;

Bancassurance

50,000 banks a year 5* 50,000 insurance a year 4500

100,000 banks a year 10* 50,000 insurance 4,500 a year

150,000 for banks 15* 50,000 for insurance 4,500 a year

200,000 banks a year 20* 50,000 insurance 4,500 a year

250,000 for banks 25* 4,500 for insurance 4,500 a year

Still 250,000 principal a year 25* 50,000 insurance 4,500 a year

Total: Bank interest: 22,500 yuan Insurance return: 27,000 yuan.

3, insurance dividends, bank deposits only get interest income, but the insurance investment in addition to the fixed return, but also enjoy the operating results of the insurance company, according to the provisions of the insurance regulatory Commission, the insurance company must come up with 70% of the distributable surplus allocated to the policy customer, pay more points, the better the company's operation, the more points. Although there is no guarantee of how much will be distributed, Ping An's dividend income has always been relatively stable.

4. Dividends and survival rebates accumulate and earn interest.

In 2010, Ping An's cumulative interest-bearing interest rate was set as cumulative interest in the general insurance contract, and the dividends and refunds obtained from participating in the insurance could enjoy high cumulative interest-bearing benefits without special treatment. It has more advantages in terms of capital accumulation than bank accumulation operations year after year.

Of course, I also want to say that insurance is different from banks after all, and generally pays more attention to more long-term interests.

That's not right, you calculated the interest rate of Nirvana products correctly, but you didn't add annual dividends.

Then you calculate the bank's interest at the end, directly multiply it by 250,000, you said that the first year of Nirvana insurance is 50,000, and the second year is 100,000, so it should be 50,000* It is virtual, and it changes with the bank interest rate, but the insurance company is fixed, not with the bank interest rate, even if the interest rate is 0 in the future, you can still take it.

This product as a whole, is very cost-effective for children, adults forget it, how you calculate will feel a loss, insurance financial products are long-term, rich life more than 10 years to return to the capital, more than 20 years to double, 50 years to increase six to seven times, if you are concerned about the immediate interests, or think more**and**, real estate is OK.