Which is more cost effective, Xinhua Insurance, Haoli Nian Nian or Taiping Jinyue Life Insurance?

It depends on what you want to achieve through the policy, Xinhua's dividends cannot be obtained until the contract expires, because the annual dividends have become new premiums to buy new insurance amounts, if you consider that your children are in their 20s to take out an education fund, or a wedding payment, it is not recommended to do Xinhua products, after all, the return of dividends after buying the sum insured can increase the income is too little, and you can't see any income in the short term.

I didn't see the product manual for Taiping's products, and it was not easy to comment on the specifics. However, Taiping and Ping An are listed companies, and I personally feel that it should not be bad, after a brief look at the explanatory materials, it can be seen that the income should be relatively high in the later stage, low in the early stage, and the return is still that sentence, what do you want to do for your children when you buy insurance? If you consider pension, both insurances should be okay, but if it is an education fund, it is not very suitable.

I haven't seen Jinyue Life, but since it is a comprehensive insurance, it is not comparable with Haoli every year, and it is not a focused type of insurance.

Hello, Xinhua Insurance's good profits and Taiping's Jinyue Life are both insured dividend products, the income is very good, Xinhua's good profits are returned every two years, 70 years old maturity return + annual cumulative dividend insurance amount + end of the life payment, Jinyue Life returns higher after the age of 65, but until the end of the contract at the age of 88, it depends on your needs to see your needs. Reference: Three Insurance Stories Interpret Xinhua Insurance's Sum Insured Three Insurance Stories Interpret Xinhua Insurance's Sum Insured 0-year-old Baby Boy's Lifetime Comprehensive Protection Plan.

Hello friend, what are your needs? What problem do you want to solve with insurance? You don't have your information, you can't be specific.

But from the comparison of these two, are investment and wealth management insurance, the true meaning of insurance is protection, with a small amount of money to buy a big money is its most important financial product features, we often say that health is the front of your many wealth, and your assets are the back of those many If there is a problem with health, no matter how many are also attributed. What do you think?

Hello, I checked Jinyue Life Insurance.

Dividend-paying insurance contract, Taiping Jinyue Life Insurance (Dividend-paying) is a dividend-paying insurance.

There is a clause on bonuses.

Simply put, "life and death", it refers to what the insured agrees in the insurance contractDeath during the period of insurance, or inSurvive at the end of the insurance period, the insurer shall bear the responsibility of paying the insurance money in accordance with the insurance contract.

Incremental dividendsIt is to increase the existing sum assured of the policy.

The policyholder can only really get the dividends when the insured event occurs, expires or surrenders. SoCan I get the money back every two years? The answer is no

Hope the above can help you.

"Jinyue Life" is a dividend-paying insurance, with an increasing proportion of benefits, increasing the amount of insurance dividends and increasing the cumulative interest rate. The money received every two years can be returned.

From the time of application to the age of 65, the amount of payment starts from 5% of the sum insured, and the proportion of the claim will increase by 5 percentage points, i.e., %, to 20% for every 5 claims. After the customer reaches the age of 65, regardless of the previous payment ratio, the survival benefit receiving frequency is "accelerated" to once a year, and the receiving ratio "jumps" to 30% of the sum insured.

For example, a 30-year-old man who invests 38,640 yuan every year to participate in the financial plan and pays it for 10 consecutive years, then he can guarantee to receive 5,000 yuan of Yuchun silver every two years after applying for insurance, 10,000 yuan every two years after the age of 40, 10,000 yuan every two years after the age of 50, 20,000 yuan every two years after the age of 60, and 30,000 yuan every year from the age of 66 until the age of 88.

For example, Mr. Wang is 30 years old and begins to prepare for the quality of life after retirement, and chooses the Taiping Jinyue Life Backgammon Pension Plan, hoping to receive at least 10,000 yuan per year after retirement at the age of 65, and pay 11,405 yuan per year for 20 years.

1. Accumulation of interest:

Both the survival fund and the retirement "salary" can be accumulated to earn interest, and the wealth can be re-increased through compound interest.

If you accumulate to the age of 65, you can receive up to 10,000 yuan (high), 10,000 yuan (medium), and 10,000 yuan (low).

If you accumulate to the age of 88, you can receive 10,000 yuan (high), 10,000 yuan (medium), and 10,000 yuan (low).

2. Dividends. The company allocates at least 70% of the distributable surplus to customers every year, and the sum insured is automatically increased.

3. Death benefit.

Before the age of 65, we will pay the death benefit according to the premium corresponding to the basic sum assured.

After the age of 65, we will pay the death benefit according to the difference between the premium corresponding to the basic sum insured minus the pension already received after the age of 65, and if the banquet is negative, the death benefit will be 0.

China Taiping-"Baowang" Taiping Life Insurance launched a new anti-inflation product of "Jinyue Life".

China Taiping-"Jinyue Life" is the first claim settlement in China.

Summary. Hello, Taiping Jinyue Life Insurance (Participating), this is a dividend-paying insurance that covers liability, including maturity insurance benefits, and accidental death benefits. To put it simply, when this insurance expires, the insured can receive a large amount of money as a maturity insurance payment, and during the protection period, if the insured dies, he can also get a sum of money as an accidental death benefit.

What kind of insurance is Taiping Jinyue Life Insurance (Participating), and can I get the money back every two years?

Okay, thanks

Hello, Taiping Jinyue Life Insurance (Participating Type) Nafu, this is a dual-life insurance that can be divided, covering liability training, including maturity insurance benefits, and accidental death benefits. To put it simply, when this insurance expires, the insured can receive a large amount of money as a maturity insurance payment, and during the protection period, if the insured dies, he can also get a sum of money as an accidental death benefit.

For example, after the expiration period, the insured gets a large amount of insurance money, in addition to returning all the premiums, there is also a part of the trouser nuisance, similar to savings. If the insured dies unexpectedly during the benefit period, the insurance company can also pay the accidental death benefit.

This kind of insurance is suitable for long-term investment, which is financial insurance, but if you take money halfway to rent a bag, don't cheat Chun Chi to buy this kind of insurance, because Senqing surrenders halfway, to lose the premium, the loss will be great.

Hello: The value for money doesn't seem to be high.

That's right, this insurance is average in terms of cost performance and is not high.

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, in fact, is a sum of your money, part of the purchase of protection, part of the investment, it looks very good, and there is protection, and there is money to share.

Indeed, for customers, participating insurance not only has a guarantee function, but also has an investment function, since its launch, it has attracted everyone's attention However, when everyone buys, they are often confused by the demo interest rate, in fact, almost no one can get the expected return.

A large part of the reason is that consumers ignore the two characteristics of participating insurance:

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

Second, the dividend pool is not transparent.

It is precisely because of these two characteristics of dividend insurance that it is difficult to earn from dividend insurance, and therefore the complaint rate of dividend insurance is very highParticipating insurance is actually the most complained about type of insurance?

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!

The rebate ratio is calculated according to the sum insured of 10,000. 5% from the second year after you start paying premiums

For example, if you start buying 5% 5 times at age 30, get 5% 5 times until you are 40 years old, get 5 times by 10% at age 40, get 5 times at 50% get 15% get 5 times, get 20% at 60% get 2 times, and get 30% every year until you are 65 years old

Or you give a 0-year-old 5% 5 times to 10, then 10% to 20, then 15% to 30, then 17 times to 30, 30 percent to 65, 30% until 88.

I don't know, it's so clear.

And the other thing is, if you give people 40 to 50 years old, that's from 5 percent to 65 years old, and at any stage, it's going to jump straight to 30 percent all the way up to age 88.

Taiping Jinyue Life is returned according to a certain percentage of the sum insured, once every two years, the first 5 times to return 5% of the sum insured, the second fifth time to return 10% of the sum insured, the third fifth time to return 15% of the sum insured, the fourth fifth time to return 20% of the sum insured, the return of 20% cap. However, if the insured reaches the age of 65, 30% of the sum insured will be refunded annually in the age group between 65 and 88 years of age.

You can receive 5% of the sum insured after two years, receive it every two years, and increase the sum insured every ten years. 5,10,15,20,30 After the age of 65, 30% of the sum insured will be received every year, and the more you will receive it, until you are 88 years old, with a birthday payment, you can receive 10 times the principal at the age of 88, which is a very good pension product!

It is calculated according to the sum insured of 10,000, and it will be received from the second year after paying the premium, and the amount will be increased by 5% after receiving it 5 times. After 65, it is 30% of the annual sum insured, and it has been received uninterruptedly.

The percentage of rebate is calculated according to the sum insured. If the money can be withdrawn, the company will return it to the account provided by the policyholder. From the first time you start to pay the fee, you will return it every two years, and the friend above is very correct, it should be noted that before the age of 65, it is returned every two years, and the maximum return is 20% of the sum insured.

65-88 years old is 30% of the sum insured per year.

I asked the same question, but I didn't understand the terms after reading it for a long time.

Hello, this product consists of Joy Protector Insurance and Rider Joy Accident Insurance, which is a returnable long-term accident protection plan, which covers death and disability benefits caused by various accidents (including various natural disasters). And regardless of whether there is an insurance or not, 110% of the previous premiums will be refunded.

Benefits:1 Death Benefit:

In the event of the death of the Insured, 110% of the premiums paid will be paid and the Plan will be terminated;

2 Accidental Death Benefit:

If the insured suffers an accidental injury and dies within 180 days from the date of the accident, the compensation shall be paid according to the basic sum insured, if the insured is a passenger in a passenger car, train or ship and dies as a result of an accidental injury accident, the compensation shall be 3 times of the basic sum assured, and if the insured is a passenger on an air and dies as a result of an accidental injury accident, the compensation shall be paid according to 5 times of the basic sum assured and 110% of the premium paid will be refunded, and the insurance plan shall be terminated;

3 Accidental Disability Benefit:

If the insured suffers an accidental injury and is disabled due to the accident within 180 days from the date of the accident, the compensation will be paid according to the disability ratio, up to the maximum cumulative benefit of the sum insured;

4 Maturity Premium:

If the insured is still alive at 0:00 on the expiration date of the contract, 110% of the premiums paid will be paid and the plan will be terminated.

How is this product, you need to know what you want to buy this insurance, what problems do you want to solve through insurance, or why should you buy this insurance? If it meets your insurance requirements, it is suitable.

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