Ping An What insurance has both protection and dividends

Universal insurance, both protection and dividends.

Ping An Life currently has several participend-paying whole life insurance, endowment insurance and annuity insurance for sale, which are both guaranteed and dividend-paying. We often say that whole life insurance has the dual nature of "protection + financial management", and both insurance is commonly known as "life and death" (that is, whether it is insured during the protection period, or no insurance, or survived at the expiration of the period, there will be corresponding protection). Next, the senior sister will take Ping An Shengshi Yisheng Whole Life Insurance (participating type) as an example to tell you about the product situation.

Friends who are in a hurry can also collect this article first: What is the income of Ping An Shengshi Yisheng Whole Life Insurance (Participating)? One article to tell you!

This is a top-up whole life insurance with an increase in the percentage. This increase ratio is not much of a competitive advantage, because many increase whole life insurance companies on the market have an increase ratio. The increase ratio is mainly reflected in the annual effective sum assured, that is to say, the annual effective sum insured will increase year by year in the form of annual compound interest according to a certain increase ratio, then under the premise that other conditions are equal, the higher the increase ratio, the higher the effective sum assured.

In addition, this life insurance only covers death benefit and accidental total disability benefit. There are some incremental whole life insurance policies in the market that provide total disability protection in addition to total disability protection in the event of death and total disability of the policyholder (the policyholder and the insured person are not the same person) and other protection obligations. Friends who are interested in increasing whole life insurance can check out this article:

What is the sacredness of [increased whole life insurance] that can manage money and protect it? Is it worth starting?

When it comes to dividends, some friends may think that the income must be very good, but it is not. Because the dividends of participating insurance are generally not guaranteed, whether there is a policy dividend in a specific year depends on the operating conditions of the participating insurance business, and the insurance company cannot promise a guaranteed interest rate in advance, and some annual policy dividends may be 0. Therefore, if you are a friend who wants to make a lot of money for "dividends", it may often be difficult to do so.

Ping An's participating insurance is not much different from other participating insurance on the market, all of which are insurance with financial management functions, and whether the participating insurance is good or not depends mainly on whether this product can meet your needs.

Next, the senior sister will give you a detailed introduction to the content of participating insurance, before starting to introduce, let's first add the relevant insurance knowledge: super complete! Everything you need to know about insurance is here.

First of all, we should note that participating insurance generally does not exist alone, but is attached to a certain type of insurance, such as our common participating annuity insurance, participating insurance and so on. Take participating annuity insurance as an example, if you take out a participating annuity insurance, then you can receive an annuity while also enjoying the dividends of the insurance company.

However, it should be noted that the dividends of our common participating insurance are uncertain, and generally dividends are given according to the actual operating conditions of the participating insurance business in the previous fiscal year, which means that how many dividends we can get each year is uncertain, and it is possible that we will receive little or no dividends in a certain policy year.

Different participating insurance companies may have different ways to receive dividends, but there are usually four types: cash collection, accumulation of interest, payment of insurance premiums, and purchase of increased insurance.

Some products offer two, three, or four ways to allow consumers to choose how to pick up them, while some products only stipulate one way to pick them up.

In general, buying participating insurance really can't get a relatively stable income, if you want to get a high yield, you might as well take a look at these financial insurance: top ten financial insurance rankings.

1. Choose a strong company.

The benefits of participating insurance vary from time to time. The dividends that the company wants to pay to customers every year are not a fixed value, but are distributed according to the company's operating results. The amount of dividends that customers will receive in the future depends on the company's capabilities.

Therefore, when choosing insurance, customers should choose a strong company in addition to considering some situations of the product itself. First of all, it depends on the strength of the insurance company, and the strong company has certain advantages in all aspects, and it is natural to be able to provide customers with better servicesFinally, let's look at the operation and management of the insurance company, image performance, and so on.

2. Don't blindly follow the trend to buy.

Many consumers buy insurance as soon as they hear that there is a good return, but this is actually an irrational choice. Many investors are actually relatively lacking in protection insurance products, so when choosing insurance products, the first thing is to consider his protection, and then choose dividend products in the case of medical and health, otherwise customers will have a decline in income due to health problems. In short, the policyholder should choose participating insurance on the basis of adequate protection, and do not blindly follow the trend to buy.

3. Understand your own needs.

When choosing participating insurance, friends should analyze their personal risk tolerance and their own needs for insurance. Participating insurance is more suitable for the purchase of stable income, and for families with stable income** and no investment plan in the short term, choosing participating insurance is a good choice. The liquidity of participating insurance is poor, so for families with low family income and large expenses, it is necessary to be cautious in the choice to avoid other losses caused by the inability to realize the money when they need it halfway.

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

Ping An Insurance's participating policies are underwritten by Ping An Insurance Company, which is a leader in the domestic insurance industry, and its comprehensive strength and reputation are obvious to all, so the authenticity of its products, after-sales Lixin and other questions do not need us to worry.

Advantages of Ping An Participating Insurance:

1. The biggest advantage of Ping An participating insurance is that it has the function of investment and financial management, and consumers can obtain certain benefits while obtaining protection, which can ensure asset appreciation.

2. The dividend payment method is flexible, and consumers can choose the dividend payment method of Ping An participating insurance freely, which is very flexible.

3. To resist inflation, Ping An participating insurance can rely on its own dividends to resist certain inflation and ensure the shrinkage of the asset department. <>

The Insurance Act stipulates that "the dividends distributed by an insurance company to its customers shall not be less than 70% of the distributable surplus". Therefore, the dividend interest rate of the insurance company is determined according to the amount of the distributable surplus of the insurance company. That is to say, the more money the insurance company makes, the more it shares, and vice versa;

At present, the dividends of Ping An Insurance Company's participating insurance are compound interest. These include dividends and a special dividend of 2%;

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

Summary. Hello <>

We are glad to answer for you how Ping An Life Insurance dividends are paid; The dividends of participating insurance generally come from the three differential income of the insurance company, namely the fee differential income, the SI differential income and the interest rate differential income, which are also the main income of the insurance company**. Generally, it is divided into cash dividends and incremental dividends, which are two different distribution methods; 1. Cash bonus 2. Increase dividend.

How does Ping An Life Insurance pay dividends?

Kiss and hold wither, hello <>

We are glad to answer for you how Ping An Life Insurance dividends are paid; The dividends of participating insurance generally come from the three differential income of the insurance royal model company, namely the fee difference income, the SI difference income and the interest rate difference income, which are also the main income of the insurance company**. Generally, it is divided into cash dividends and incremental dividends, which are two different distribution methods; 1. Cash bonus 2. Increase dividend.

Ping An Life Insurance Co., Ltd. was established in 2002 as a subsidiary of Ping An Insurance (Group) Co., Ltd. of China. After more than 10 years of development, Ping An Life of China has grown in tandem with the domestic insurance business, and its business scale and business quality rank among the top domestic life insurance companies. Ping An Life is the first company in China to market individual life insurance, and has cultivated and built a professional internal and external team with its advanced system, excellent business philosophy and attractive corporate culture.

It has three major sales channels, including personal insurance, celery and oak bank insurance, and sedan car first code telemarketing, and has a clear and complete product system, covering from traditional savings and protection products to non-traditional dividend and investment products, providing customers with them"One account, multiple products, all in one place"to fully share Ping An's comprehensive financial advantages with customers.

Universal insurance is not participating insurance. No dividends!

Universal insurance is deducted from the initial cost. The balance after the cost of protection is given. Daily interest rate. Monthly compound interest. The monthly interest rate is published online.

Introducing Ping An Outsmart Life Universal Insurance: Universal insurance is a protection type of insurance income is secondary.

Universal insurance should pay attention to the following points:

a. Initial charge: up to 50% of the premium paid in the first year, and the deduction will not be refunded; Assuming that the customer has a universal insurance of 6,000, the insurance company will deduct 3,000 in the first year, 1,500 in the second year, and 900 ...... in the third year

b, the older the age to deduct the cost of protection, the higher the age.

c. Tiered charges for insurance items: The protection part of universal insurance is deducted every year and increases with age. Although the universal insurance plan is paid for 20 years, the insurance contract is a lifetime payment or an unlimited payment period, why?

Because as the deductions increase, when the money in the insurance account is not enough to pay the protection fee, the customer will have to continue to pay!

d, but according to the introduction of security, it should be said that a customer pays 6,000 yuan. A critical illness was diagnosed after 90 days.

Then the insurance company will immediately pay 180,000 critical illness insurance benefits. The remaining 20,000 death benefits will be paid to the beneficiary. In this way, the customer spent 6,000 yuan to get 200,000 yuan from the insurance company.

If so, that's the function of insurance.

e, buying insurance is buying protection. Otherwise, let people not buy it, and you will give him 200,000 yuan when he is sick? No. Since you can't, don't mislead customers by saying that insurance is dividends and so on! Buying insurance is buying protection!

Dividends are uncertain and are determined based on the annual operating performance of the insurance company. Theoretically, the dividend can be 0The specific dividend level is subject to the actual figure, and the amount distributed to you is as much as it is.

1. You can see the introduction of the insurance company.

2. Look directly at the terms of the insurance.