Is insurance insurance? How is Pacific Junior Intelligence? Pay 1 20,000 yuan a year for five years!

In terms of China's current insurance, except for a few social insurances, they are basically fooling and cheating money. In fact, they can't get back their principal and interest. It's just that the people don't know how to calculate.

In terms of cash value, insurance is definitely not as good as depositing in the bank! And some of the gaps are huge. That's a vampire.

Finally, compare the principal and interest of the bank with the insurance, and know what you pay and what you get before you can buy it. As for dividends, at least in the past few years, it is a negligible double digit.

Insurance is very safe, and insurance makes life better. The insurance law stipulates that insurance companies cannot fail, so you don't have to worry about the company going bankrupt and not getting your money back. The premise is that you have a clear understanding of the protection rights and interests before applying for insurance, and if it is a consumer-based insurance, you will not be able to get the principal.

It is best to consider the issue of education funds when buying insurance for children, and you can take out the money regularly.

Commercial insurance is established and sold with the approval of the Insurance Supervision Commission, and there are also insurance laws that stipulate that companies with life insurance shall not go bankrupt and can be purchased with confidence. As for the type of insurance, it depends on your needs, such as focusing on protection or life, or dividends ......

There are many types of insurance that insurance companies don't need to pay attention to. I can't believe it.

Buy whatever you need.

Xueba said insurance, teach you to buy insurance for your children and not be pitted! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated

Click on the blue word to claim it immediately.

What insurance is good for children

This problem has always been a problem that stumped tens of millions of parents, and today the senior sister will study with you how to buy insurance for children so that they will not be pitted! Pay attention to three key points:

First, children's medical insurance is essential!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, after running medical insurance, it is necessary to consider fully configuring commercial insurance, and it is recommended to give priority to critical illness insurance + medical insurance + accident insurance.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). 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 other associated problems, such as delayed homework due to illness, which requires a lot of cash to make up for it. Buying a pure protection critical illness insurance can just solve these problems in the future.

Look at medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, it is necessary to have an accident insurance, the child's accident insurance is particularly cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, which can protect the child's accidental death, accidental disability and accidental medical liability, which is very practical.

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

Don't choose life insurance for your child, and try not to consider critical illness insurance with both liabilities attached. I know the specific reasons in this articleWhy is it so hard to buy child insurance? You'll know when you see it!

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be configured comprehensively, if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"Is insurance insurance? How is Pacific Junior Intelligence? Pay 10,000 every year, pay for five years! begging"All of them, I hope it helps you! Hope!

Hello, the main features and benefits of this insurance are:

1. From the effective date of the contract, customers can receive a blessing equivalent to 9% of the basic insurance amount every year.

2. Children's education, reserve in advance. From the effective date of the contract until the insured reaches the age of 18, the customer receives a children's education reserve equal to 9% of the basic insurance amount every year.

3. Premium refund, flexible and optional. In addition to receiving the blessing money every year, when the customer reaches the age of 1, he or she can also choose to receive a life payment equivalent to the total amount of premiums paid at any of the above ages, which is safe and flexible.

4. Additional omnipotence, intimate design, can expect higher account returns; The blessing money, children's education reserve, life celebration and bonus of the main insurance can be automatically entered into the additional universal account with "zero deduction", and the monthly compound interest settlement is expected to obtain higher account returns.

5. Premium waiver, showing thoughtful and humane care; If the policyholder dies or becomes totally disabled due to an accident, the premium payment for each subsequent instalment will be waived without affecting any policy benefits, demonstrating thoughtful and comprehensive human care.

6. Compound dividends, resist inflation, and share professional business results; The company determines the dividend distribution plan every year according to the business operation of the participating insurance, and customers can share the results of the company's professional operation every year. Dividends can be kept in the company's bonus account or into an additional universal account to enjoy compound interest accumulation to help customers resist inflation.

Hope it helps.

Answer, support me.

Hello. Pacific Lead Zekong Juvenile Wisdom Annuity Insurance Type B has been paid for 8 years, and 40,000 yuan can be refunded about 13,000 yuan. There are two types of surrender of Pingyang Juvenile Intellectual Annuity Insurance Type B:

If the policy is surrendered during the hesitation period, the insurance company will refund 100% of the entire premium according to the regulations, and the entire principal can be refunded; If the cooling-off period has passed, the cash value can usually only be refunded. The calculation method of the cash price of the policy is generally as follows: surrender amount = premium paid by the policyholder - the net premium required by the insurance company to bear the liability of the policy - the commission paid by the insurance company to the salesperson - the amount of the insurance company's management fee + the interest generated by the remaining premium.