Is Ping An Insurance s universal business real?

Ping An does have this type of insurance and business. Universal insurance is a relatively difficult type of insurance to understand, and the main principle is to withdraw the cash value of the policy as an emergency benefit. However, please be cautious about universal insurance, investment-linked insurance, and other types of insurance that use the capital market as the main investment channel, as these types of insurance do not have the concept of guaranteed investment and may lose money due to market downturn.

In addition, if you want to get protection, it is recommended to consult the salesman about the corresponding type of insurance, such as accident insurance, critical illness insurance, etc., which will be much more cost-effective than universal insurance.

Hello, the insurance contract generally has a 10-day cooling-off period, and there is no loss in surrendering the policy during the cooling-off period. The cooling-off period begins when you receive the insurance contract and sign the receipt. If you surrender the policy after the cooling-off period, you will lose a lot.

By the way, I don't know why you bought this insurance and what problems you want to solve with this insurance. In fact, insurance is a necessary thing for everyone, and it may be due to the dishonesty of the salesman that you have some misunderstandings about insurance. Losing coverage can be an even bigger loss for you.

You are buying the universal wisdom of life! It is the most popular product of Ping An Company, and its advantages are: investment guarantee, steady capital increase, self-selection of insurance amount, flexible withdrawal, monthly compound interest and interest, and now the universal interest rate is.

It's much higher than the bank! You can open the safe ** and take a look at it yourself!

Oh, the biggest advantage of universal is flexibility, but it also has its drawbacks, such as lifetime payment, if it is only to buy an insurance to protect and benefit financial management, it is strongly not recommended to buy universal insurance!!

Do you think for yourself that there really is? My parents are both insurance companies, and I studied at the Insurance Institute of China, so I can tell you clearly that it's an exaggeration

In fact, from the perspective of universal insurance itself, regardless of whether it is good or bad, it is only on the market after the approval of the Insurance Regulatory Commission.

To distinguish, it is necessary to speak from the company's point of view, first, universal insurance, invested in, you will not see any benefits in one or two years, at least more than 10 years, his compound interest interests will be highlighted.

Third: Examine the company's standards to see if the company is really thinking about customers.

Fourth: universal insurance compound interest is once a month, so the biggest factor that can make universal insurance return better is the long-term stable rate of return, rather than the short-term high oscillatory rate of return, from this point of view, Chinese life is the first choice;

Fifth: The status and role of Chinese Life in the insurance industry are equivalent to the "People's Bank of China" in the banking industry, and financing and investment channels and profitability cannot but be optimistic in the long run;

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