-
Anonymous users2024-02-10Xueba talks about insurance, focusing on insurance evaluation! Recently, we have compiled a comparison table of 35 popular participating insurances and 101 critical illness insurances, which is very comprehensiveComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in China, to friends who know this article.
I have met a lot of people who buy participating insurance but they just heard that others said it was good, so they bought it, and they didn't understand what participating insurance is, do they need it? Let's follow me to analyze the dividend insurance in detail:
Participating insurance refers to the life insurance products in which the insurance company distributes the surplus generated by its actual operating results to the policyholder according to a certain proportion of the surplus, taking into account both protection and financial management, which is the characteristic of participating insurance.
Hearing the word "dividends", many people feel that they have paid money, not only guaranteed, but also able to enjoy dividends, as if they have become the original shareholders of the insurance company, but I have seen too many friends who have bought dividend insurance, but no one has really obtained considerable income after buying dividend insurance, not one.
A big part of the reason is that consumers have not carefully understood the participating insurance
First, the fulfillment ratio of dividends is very low, or even non-dividend.
Second, the dividend pool is not transparent.
These two characteristics of dividend insurance make the real income of dividend insurance an unknown, and it makes dividend insurance frequently complained by everyone, and the reasons are in my articleWhy is participating insurance a "high-incidence area" for insurance?
It's all clear.
In the final analysis, dividend insurance is not suitable for beginners, and people who do not have certain insurance knowledge should not blindly insure!
That's all for me"Jinding Wealth and Wealth Insurance Dividend B has been bought for 4 years, and there is no compensation after death"All, look!
-
Anonymous users2024-02-09Does it depend on whether you are insured with illness?
-
Anonymous users2024-02-08Hello, there is compensation for death within one year, and the amount of compensation varies according to the cause of death. Death or Total Disability Benefit: 1 times the basic sum insured; Accidental Death or Total Disability Insurance Benefit Answer Return:
2 times the basic sum insured; Public Transport Accidental Death or Total Disability Benefit: 3 times the basic sum insured.
It is recommended to contact the insurance company immediately and prepare the relevant documents such as the insured's identity document, death certificate and insurance contract to apply for a claim.
The following is the product information for your reference: Hunger Clearing.
Product Name: Jinding Wealth Insurance (Participating).
Product category: Wealth management insurance sold through banks and postal savings counters.
Product features: Taking into account the functions of financial management and protection, guaranteed income at maturity, and can enjoy dividends.
What you need to know. Age of the insured: 28 days to 65 years old.
Payment method: one-time payment.
Insurance Liability. Duration of coverage: 5 years.
Maturity Premium: Maturity payment will be paid according to the basic insurance amount at the end of the insurance period.
Death or Total Disability Benefit: 1 times the basic sum insured;
Accidental Death or Total Disability Benefit: 2 times the basic sum insured.
Public Transport Accidental Death or Total Disability Benefit: 3 times the basic sum insured.
Extended reading: [Insurance] How to buy, which one is better, teach you to avoid the hunger of insurance"pits"
It depends on when you bought it, if it is after May this year, it is the Jinding C after the paragraph, simply put, the benefit is that the income is slightly better than the bank deposits in the same period, generally this year's Jinding C is in accordance with the one-year sales income above; In terms of protection, it is twice the death or total disability benefit.
Hello, Minsheng Gold and Jade Insurance (Participating) Insurance is a participating insurance product of Minsheng Life. You can find detailed information about this product at the address below. **: Golden Rice Harvest Insurance Network. Beg.
The reason why many people think it is deceptive is because the premium has not been paid, or the policy is surrendered early, so you can only return the cash value, and you cannot return all the premiums you have paid. There is a fee for providing you with protection. The reason why you don't see the income until ten years later is that your dividend income is greater than the protection cost you spend after ten years, and generally speaking, the longer the time, the more dividend income.
Xueba talks about insurance, focusing on insurance evaluation! The comparison of 35 participating insurance products and 101 popular critical illness insurance products in 2020 is hereComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in China, to friends who know this article. >>>More
Taikang Jinmancang Insurance 10-year product, you can't get back the capital when you die, and you will lose money! If it is 5 years, you can get it back in the 5th year. However, if you put money in it for 5 years and didn't earn a dime, is it worth it? >>>More