Does Ping An Century Winner Whole Life Insurance include accident insurance

Hello! Ping An Century Winner Whole Life Insurance. Discontinued.

Accident insurance is not included. But at the moment you can apply for add-ons: add-on accident insurance + add-on accident medical treatment.

Hello! Surprises are included! But I don't know if the ** person will help you with additional accidental medical treatment when you buy?

You can take out your policy or call 95511 to ask, under normal circumstances, customers buy Century Winner is generally including accident, death, winner critical illness and accidental medical treatment (unless it has been purchased, it will not be added), and the cost of protection will be deducted if it is attached! If you need to add additional insurance, you can contact the local ** person or call 95511, and go to the local counter to handle it (with ID card, household registration book, and insurance policy), I hope mine will help you! Wishing you happiness and peace!

No, because the main insurance is death, if you need accident insurance, you need to pay separately!

Hello, this insurance does not include accidents, it is all add-on.

Hello Ping An Century Winner has been discontinued, and now it is the Century Tianjiao that is sold, which no longer contains worry-free accidents, and can be attached to accidental medical treatment.

If you were following the advice of the ** person at the time, then I think your insurance liability will have two additional insurances of accidental injury and accidental medical treatment, correct a friend on the side, the winner of this product in the critical illness, accidental injury and accidental medical treatment do not need to pay additional premiums, you look at the first page of your policy has the amount of insurance and insurance coverage, if you still don't understand, then communicate with your ** person. In fact, insurance ** people are really important to customers.

Hello! The winner of the century product has been discontinued! When you first purchased, you had accident insurance if you had an additional worry-free accident! For details, you can see the insurance liability clause on your insurance contract!

Hello, included, the guarantee is very comprehensive.

Hello! This insurance has been replaced by Century Tianjiao You can add illness, you can add accidents, no additional charge If you are interested, you can contact me, my homepage, There is more information on it, I hope to help you, I wish you peace! Reference:

Ping An Century Tianjiao Complete Insurance Plan (Children's Million) Introduction to Ping An Insurance of China.

Hello! The winner of the century product has been discontinued! Accidents can be attached. See if you had an additional accident at the time of purchase.

Ping An's Century Winner is now out of sale, but the name has been changed to Century Tianjiao, if you want, you can add accident insurance to your policy at any time, and you don't need to add money, find your ** person to help you go to the counter to handle it.

Hello! If you are already insured, it is recommended that you check to see if the insurance on your policy includes accident and accident medical insurance. If you are not insured, it is recommended that you attach the Accident Injury Waiver and Accident Medical Care.

You can contact us at any time for specific situations. I wish the whole family happiness and peace!

Hello: Century Winner has been discontinued, depending on the policy, if there is no accident, the cost is deducted every year in the main insurance, no need to pay separately.

Century Winner mainly provides the death liability emergency investment function, to see if you have additional accidental injuries and accidental medical treatment at that time. Now this children's universal has been discontinued, and the new sale is Century Tianjiao.

It depends on your policy, there is no accident insurance in the first place. Or ask your salesman.

Hello friends: You can look at the insurance liability of the policy for details, everything is subject there! Families of different ages and financial strengths plan according to the actual situation.

Choose a qualified insurer** to provide you with professional and comprehensive services. "Health Insurance Pass" no application, zero waiting, no deposit, only need the policy number ID number to be hospitalized! If you need a specific plan, you can further communicate, and I will wholeheartedly make a suitable plan for you.

Hello Century Winner has been discontinued, whether it includes accidents can see the insurance terms or find your ** person to help explain, you can also call 95511 for consultation. Thank you!

Accidents are unexpected, look at the insurance contract specifically, except for exclusions.

Hello! If you have accident insurance, you don't need to pay extra for this product.

Hello, everything is subject to the policy, find someone to help you take a look.

Let's start with the conclusion: "Ping An Century Winner Whole Life Insurance (Universal)" is not a simple life insurance, but a packaged product that includes death liability and critical illness protection, which cannot be bought for only 3 years.

I don't know why the subject noticed this product at the beginning, if it is for the benefit of the policy, you must know that there are many increased life products, and the details of different products are still very different. So before buying, take a closer look at the terms and conditions, and compare the hot-selling products on the market

"Popular Incremental Whole Life PK, Who Has Higher Policy Benefits? 》

After having some basic product knowledge, we will summarize a ** in combination with the terms of "Century Winner" for reference:

1. Main insurance protection:

First of all, the main insurance of Ping An Century Winner only covers the death of the insured, and the insurance benefit will be paid in the unfortunate death, and the death insurance benefit = the value of the policy account.

Secondly, Ping An Century Winner deposits the customer's annual savings (that is, the premium paid) into the policy universal account to accumulate interest. And each time you save money, you have to deduct the initial fee to cover the cost.

The first five years of annual premium payment are %, starting from the 6th year, 5% per year, if the premium exceeds 2500, the excess will be charged at 5% ......

2. Additional benefits

Ping An Century Winner also comes with a lifelong critical illness benefit, which seems to cover a wide range of coverage, but what is the actual performance?

If the insured suffers from a critical illness stipulated in the contract, the basic sum insured will be paid, but the critical illness insurance and the death benefit of the main insurance share the sum insured, which means that once the critical illness insurance benefit is paid, the basic sum assured of the main insurance will also be reduced by ......

Another important point to note is that the proportion of critical illness insurance benefits is different for different age groups! 25% within 1 year of age; 1-2 years old will pay 50% of the total; 75% for 2-3 years old; Only those aged 3 and above will pay 100% ......

This is critical illness protection! How much of a role can such a critical illness insurance premium design play in the face of illness?

3. There is no upper limit and lower guaranteed interest

There is a line of small print hidden in the same note: the guaranteed interest rate is the annual interest rate, and the corresponding daily interest rate is. Compared with the excellent universal account on the market, this guaranteed interest rate is low! And the propaganda is not capped ......In fact, there is no guarantee.

This is very embarrassing, you know, if you buy the wrong savings insurance once, it is directly the time cost of your own funds, so that your money is locked up and you can't move, and you can't get much policy benefits, so you must be cautious before buying.

Hope. Huize Insurance Network focuses on objective, professional and neutral insurance evaluation.

If the above does not solve your problem, click here to make an appointment1v1 free consultation.

Taking Ping An Century Winner Children's Universal Insurance as an example, there will be investment income if you only buy it for 3 years.

Ping An Century Winner Children's Universal Insurance is a universal insurance, and part of the premium of the universal insurance will be used to purchase the investment account unit set up by the insurance company, and the investment experts are responsible for the transfer of funds in the account and investment decisions, and invest the funds in various investment tools. The resulting income is the investment income of the insurance.

Therefore, Ping An Century Winner Children's Universal Insurance will also have investment income if you only buy it for 3 years.

The universal insurance income published by the insurance company (published once a month) only includes the investment part of the premium paid by the policyholder, not the entire payment.

In addition to the protection fee, the initial fee, risk insurance premium, policy administration fee, loan account management fee, supplementary insurance premium, and some companies also charge a partial collection fee and surrender fee. Therefore, the overall return of universal insurance will not be high in the first few years.

What is the maximum amount of additional contributions for Ping An Century Winner Whole Life Insurance (Universal).

Hello, honored with your question! 36,000 You are insured with Ping An Century Winner Whole Life Insurance (universal type), which is a universal insurance. First of all, it is an insurance product, since it is insurance, it has the characteristics of insurance, providing risk protection, long-term returns, and poor cash liquidity.

Looking at Magnum, it is developed and improved on the traditional type of insurance, aiming at the lack of flexibility of traditional insurance, combined with the advantages of investment products to design a new type of life insurance product, which increases the flexibility of policy management, increases account transparency, designs a guaranteed interest rate, deferred premium payment and so on.

The annual interest rate of Ping An universal insurance is generally between 4% and between, which is higher than the short-term interest rate of the bank, but because of the insurance cost factor (with the standard of paying 36,000 yuan, the insurance cost is 3,675 yuan), it is basically necessary to protect the principal after almost 5 years, for example: with a bank fixed deposit of 10,000 yuan, the annual interest rate of 3%.

10,000 yuan for one year of fixed deposit: principal and interest: 12,360 yuan; The policy value after paying the insurance for one year after deducting the insurance cost is about 10,500 yuan.

The second year: 10,000 yuan for one year of fixed + 12,360 yuan in the previous period = 24,360 yuan, and the principal and interest of one year of deposit is: 25,090 yuan; The value of the policy after deducting the insurance cost for one year after paying the insurance is about 22,000 yuan.

The third year: 10,000 yuan for one year of fixed + previous yuan = yuan, the principal and interest of the deposit are: yuan; The value of the policy after deducting the insurance cost for one year after paying the insurance is about 34,400 yuan.

The difference for these three years is: yuan.

The policy value at the end of the third year is about 34,400 yuan, and it will take more than a year to protect the principal of 10,000 yuan.

Therefore, it takes almost a year to protect the principal of insurance, and the principal and interest of your own deposit is almost 40,332 yuan (calculated by one and a half years), and the difference between the two is nearly 4,000 yuan, so the difference of 4,000 yuan, even if the interest rate of insurance is high (there is interest on personal deposits), it will take n years for the two to be equal.

How many years is this n year? 5 years, 10 years, 15 years?

How many years does it take for insurance returns to be higher than personal deposit returns?

Let's do the math.

Hello: Insurance is a long-term investment, Century Winner Whole Life Universal Insurance is a long-term passbook for the baby, the more principal deposited, the higher the usury-style rollover profit. If the principal is small, the income will not be seen much.

Hello: Insurance is like savings, the more you pay now, the more you will get in the future, the winner of the century suggests that you pay 10 to 15 years, as a special fund reserve for your family's children's education in the future. Peace and happiness be wished!

Hello! If you don't fertilize and water a watermelon halfway through planting, will there be a harvest??? When you buy insurance, you need to pay for a few years, so you get all the benefits, and it brings you protection.

1. Ping An Century Winner is a product that can defer the payment of premiums, basically you can protect the capital after 5 years of purchase, and there will still be dividends every year if you don't invest money in the later stage. 2. Is it true that you are buying insurance to give you a guarantee for the future when you are young and have the ability to pay? Pay when you can, and the money will be your own later.

Hello, it is a pleasure to advise you! It depends on how old you are buying it as a child? When is it time to see the profit?

If it is just paid for 5 years, it depends on the income, which is estimated to be very small at that time, and if the child buys it at the age of 0, and then looks at the profit when he is in college, there must be. I hope mine can help you, and I wish you health and safety!

Hello! The winner of the century is children's universal insurance, and if you invest 5 years to stop paying, the profit will definitely be there, but it is a little less, the big profit is big, and the small profit is small.

Hello! The basic function of insurance is protection, and insurance is also compulsory savings, and the purchase of insurance products can allow customers to develop the habit of saving money and not using money casually, so it is recommended that you insist on long-term payment, and you must look at long-term income when using insurance products to manage your finances.

Hello! The investment recommendation of universal insurance is at least ten years, if it is only paid for five years, it is difficult to make a profit.

The biggest feature of Century Winner is that the initial fee deduction is the least, so even if it is no longer paid after 5 years, the account income is enough to cover the cost of protection, that is, there will be no loss of money. However, in terms of long-term benefits, if you have the ability to continue to deliver, so as to maximize the benefits.

Hello, there are benefits, but it is recommended that you pay for 10 years, and the benefits and protection will not be affected

Hello, there is a profit. This insurance can be repaid in 3 years, and the longer the payment, the greater the income.

Universal insurance is convenient and flexible to pay, and a certain initial fee will be deducted proportionally for the first 5 years, so if you pay for 5 years, the cash value of the policy is less than the money you paid in 5 years!

The income of universal insurance is to compound interest on the cash value of your policy, so the investment period is too short, which means that the principal is too small, and the relative interest is less, so there will be no profit, but there will be a considerable protection.