Auspicious year, annuity insurance, I paid for five years, how to get it back, and my money is the s

1.It depends on how many years yours pay, auspicious every year, five years, ten years, 2In addition, I don't know how much you have insured and what your premiums are.

3.In addition, there is a loss in the middle of the surrender of general whole life insurance.

4.This product is still very good, the capital protection and value-added product, the long-term income is considerable, if it is not an economic problem, it is not recommended to surrender the policy.

It is difficult for ordinary people to understand annuity insurance, and one detail will make the yield vary widely. Some products, after buying a 30W annuity, they only get back 33W, with an annualized rate of return of 1%; Some products can achieve the annual rate of return of the main insurance alone.

For everyone's reference.

Below I will share two tips for choosing an annuity for you:

1.High earnings are the most important.

No matter what the purpose of buying annuity insurance is, annuity insurance, as a kind of financial insurance, must talk about income. The way to increase the value of annuity insurance is mainly through annuity accounts and universal accounts. Although the value-adding process is complex, the final rate of return is reflected by calculating the IRR.

After about 10 years of appreciation, IRR can reach 4% annuity insurance, which is an excellent level in the market.

2.The cash flow of the product should match the time of use of the funds.

Buying annuity insurance will change our cash flow, so there are these 4 questions you should pay attention to:

When the child reaches the age of schooling, how much money can he receive?

How much pension can I get back after retirement?

Will there be a loss when I surrender the policy due to urgent need for money? How much cash value can it be?

How much money can I leave for my loved ones at the end of my life?

As a salaryman with a limited budget, he only needs to concentrate resources to solve 1 or 2 problems, such as pension, and mainly focus on how much money can be received after the age of 60.

Business owners who have a large budget but need more flexible funds also need to consider the cash value of the product and how much money they can leave to their loved ones when they retire in the old age.

Although the product form of annuity insurance is simple, there are so many pits in it that you can't imagine. So I specially evaluated a ranking of the top ten high-yield products of annuity insurance:"Top 10 High-yield Annuity Insurance Points This Year! 》

Hope it helps.

That's all for me"How to return the auspicious annuity insurance for five years is the same as my money"All, look!

Annuity insurance is not easy to choose, and the yield gap between various products is too large. Some products buy an annuity of 300,000 yuan and can only get back 330,000 yuan in the end, only 1% of the income; Some products can even reach an annualized return of 8% after a certain number of years.

For everyone's reference.

Here are two key points for a brief analysis of annuity picking:

1.The first key is high yields.

No matter what we are buying an annuity for, annuity insurance, as a wealth management product, must first study the income. The income of annuity insurance** is from annuity accounts and universal accounts. Although the process of value-added is complicated, the judgment of annuity insurance income is still through the calculation of IRR yield.

At present, the better annuity insurance on the market can generally approach 4% through more than 10 years of value-added.

2.The cash flow of the product should match the time of use of the funds.

Buying an annuity insurance policy will change our cash flow, so there are 4 questions to consider:

When the child reaches the age of schooling, how much money can he receive?

How much money do we receive when we retire?

Will there be a loss when I surrender the policy due to urgent need for money? How much cash value can it be?

How much money can you leave to your relatives after you return to old age in a hundred years?

As a salaryman with a limited budget, we only need to concentrate resources on solving 1 or 2 problems, such as education funds, mainly to see how much money can be returned to the age when children go to school.

Business owners have sufficient budgets and high requirements for financial flexibility, so they also need to pay attention to the cash value of the product after surrender and how much money can be left for their loved ones at the end of 100 years.

Although the form of annuity insurance is not difficult to understand, there are many pitfalls in the product. In order to make it easier for you to choose a good product, I have compiled a guide to annuity insurance pit prevention:"3 minutes to read this year's top ten high-yield annuity insurance points! 》

Hope it helps.

That's all for me"I want to surrender the auspicious annuity insurance, pay for five years, the cash value of the fifth year is yuan, the sum insured is 15670, if you want to return"All, look!

You have to go to the insurance company, and the company will assess the cash value.

Have a total profit for survival? There is no cash value.

Xueba talks about insurance, focusing on insurance evaluation! First of all, I will send a comparison table of 35 participating insurance products and 101 popular critical illness insurance products35 participating insurances and 101 hot-selling critical illness insurance products are PK, to friends who know this article.

We have heard about dividend insurance countless times from the ** population, but many people don't know what dividend insurance is! Let's take a closer look:

Participating insurance, literally: Participating insurance is a type of insurance with dividends, that is, when the insurance company makes money, it distributes part of it to customers who have purchased participating insurance. Get protection and reap the benefits at the same time.

Hearing the word "dividend", 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, and in fact, there are not a few people who want to surrender the insurance after buying the dividend insurance, because everyone finds that the dividend income is exaggerated.

The main reason is that consumers do not know enough about participating insurance

First, the dividends of the policy depend entirely on the economic environment and the experience of the insurance company, which is uncertain.

Second, the dividend pool is not transparent.

These two characteristics of dividend insurance make the real income that customers can get an unknown, and the participating insurance is frequently complained about by everyone, and the reasons are in this articleWhy is the dividend insurance frequently complained?! , if you are interested, you can find out.

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!

That's all for me"Auspicious year annuity insurance participating type paid two years of premiums in the fourth year of this year, how much money can be refunded"All, look!

Commercial insurance is not like the bank, when you want to save, when you want to withdraw, you must know that the biggest function of insurance is to keep your money, it is a protection product, if you surrender the insurance halfway, just like you buy a ticket, can the refund be the full? If you book a house, if you don't want it, will he refund you the money? Therefore, it is a way to help you keep your money.

If you surrender the policy now, you will only receive the cash value at the end of the corresponding year.

It is best not to refund, if you really want to refund, it depends on the value of the policy.

I can't even get the principal back, so I asked the insurance company.

If you want to surrender the policy, the first thing that comes to mind must be, how much money can you refund? How can I go back more? Here's a guide first::《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

How much money can be refunded under an insurance policy is divided into the following situations:

(1) Full surrender

Generally, only one of these types can be fully surrendered

1.Surrender during the cooling-off period

Generally, there is a hesitation period for buying insurance, and the surrender of the policy during the hesitation period can be refunded in full premium, and only a little bit of the cost of production will be deducted, and the hesitation period is usually calculated after the contract receipt is signed, generally about 10 days, and the provisions will be written into the contract.

2.It is signed

Due to the non-standard operation of some salesmen, the signature of the insurance contract is signed, and the application for surrender can be returned in full.

3.There is evidence

If there is evidence that the **person has violated the rules or has deceived the insurance element, you can also apply for a full refund at this time.

(2) Refund of cash value

If the hesitation period has been exceeded, then only the cash value can be refunded, and only savings life insurance has cash value, such as long-term consumption critical illness insurance, savings critical illness insurance, endowment insurance, endowment insurance, endowment insurance, whole life insurance, term life insurance with a term of more than one year, universal insurance and participating insurance; Accident insurance, one-year medical insurance, etc., generally have no cash value.

If you want to know the cash value of the policy, you can call ** to the insurance company's customer service or read the contract, and the calculation can be calculated using the following formula:

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. Generally, it will be divided into two parts, one part is the fixed insurance money agreed to be given to the customer, and the other part will change according to the company's business situation, this part is the dividend, there is no fixed value. I don't know what to look at:

"Demystifying the Mystery of Dividend Insurance".

Obviously, if you surrender the policy beyond the cooling-off period, the money that can be returned will not be more than or equal to the premium, which means that there will be a lossWhat are the details to pay attention to when surrendering an insurance policy? 》

If you surrender the policy, depending on your actual cash value now, you will generally return 3 to 5 percent

I can't see the cash value table or call customer service.

Xueba talks about insurance, focusing on insurance evaluation! The comparison table between the 35 participating insurance products and the mainstream 1010 critical illness insurance products in 2020 is hereA list of 35 participating insurances and 101 major critical illness insurancesParticipating insurance refers to a wealth management insurance product in which the insurance company invests part of the customer's premium, and distributes the investment income to the policyholder according to a certain amount after deducting the cost, which not only enjoys the protection function in the policy, but also enjoys dividends by virtue of the policy.

For a long time, dividend insurance with its "protection + income" characteristics by consumers love, for troublesome customers, buy an insurance accident compensation, nothing can also return dividends, why not? However, people are often confused by the demo rate when buying, and in fact, almost no one can get the expected return.

First, the dividends of the policy are not certain and may not be obtained.

Second, the dividend pool is not transparent.

The existence of these two characteristics has made the real benefits that consumers can obtain an unknown, and it has made participating insurance a hard-hit area for customer complaintsWhy is the dividend insurance frequently complained?! , if you are interested, you can find out.

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"I bought Jixiang Life Jixiang Ruyi Personal Annuity Insurance (Participating) 7,000 yuan and paid it for four years, and now I want to refund How much can I refund? "I hope to adopt all the answers!

How much can you get back when you surrender the insurance policyCheck the cash value table in the insurance contract yourself, just curious why you want to refund?

People who decide to surrender the insurance will definitely think about how much they will refund and how much they can refund. This guide can help you:《 How to refund insurance surrender, how much can be refunded, and how to reduce surrender loss? 》

How much can be refunded by surrendering the policy, which can be divided into these types:

(1) Full surrender

Generally, there are several situations in which the policy can be surrendered in full:

1.Surrender during the cooling-off period

There will be a hesitation period after the policy takes effect, and the surrender of the policy during the hesitation period can return all the premiums, and the cost of production will be about 10 yuan, and the hesitation period will generally start after signing the contract receipt, which is generally 10-15 days, and the contract will be written clearly.

2.It is signed

If some salesmen do not operate in a standardized manner and the insurance contract is not signed by themselves, in this case, the application for surrender can be refunded in full.

3.There is evidence

If there is evidence that the person violated the operation or deceived the consumer, you can also apply for a full refund.

(2) Refund of cash value

If the hesitation period has been exceeded, then the cash value can only be refunded, and the cash value is savings life insurance, such as term life insurance with a term of more than one year, long-term consumption critical illness insurance, savings critical illness insurance, comprehensive insurance, whole life insurance, endowment insurance, universal insurance and participating insurance; One-year medical insurance, accident insurance, etc., generally have no cash value.

If you want to know the cash value of the policy, you can call ** to the insurance company's customer service or read the contract, which can generally be calculated like this:

(3) Return of cash value + dividends

The cash value has been mentioned above, and here we will talk about dividends. Generally, it will be divided into two parts, one part is agreed to give the customer a fixed insurance payment, and the other part is related to the insurance company's operation, this part is called a dividend, which is uncertain. Specific popular science is presented:

"Demystifying the Mystery of Dividend Insurance".

Obviously, if you do not surrender the policy within the hesitation period, you can only return less money than the premium paid, which means that there will be a lossWhat are the details to pay attention to when surrendering an insurance policy? 》

Xueba 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 comprehensiveA list of 35 participating insurances and 101 major critical illness insurancesParticipating insurance, as the name suggests, is a participating insurance, which not only provides various guarantees agreed in the contract, but also can enjoy the benefits of the insurance company's business results while obtaining protection.

Indeed, for customers, dividend insurance not only has a guarantee function, but also has an investment function, since the launch, it has attracted everyone's attention, however, many people regret it after two years after buying, because the income gap before and after buying is large.

Clause.

1. It is difficult to receive dividends from dividend insurance.

Second, the dividend pool is not transparent.

The income and dividend methods of participating insurance are extremely complex, and even insurance practitioners are difficult to do, so as a novice, don't challenge such a high degree of difficulty!