Seek advice from Ping An Life Jixing Yingrui Annuity Insurance

Survival insurance benefits.

For each 1 anniversary of the insured's survival from the effective date of this main insurance contract, we will pay the "survival insurance benefit" according to the proportion of the basic insurance amount multiplied by the following table:

Age of policyholding.

40 years old and below (including 40 years old) 15%.

12% aged 41 and above (including 41 years old).

If the insured is still alive at the end of the insurance period, we will pay the "Maturity Survival Insurance Benefit" at 10 times the basic insurance amount, and the main insurance contract will be terminated.

In the event of the death of the insured, we will pay the "death benefit" at 10 times the basic insurance amount, and the main insurance contract will be terminated.

Maturity survival insurance benefits.

If the death benefit is within 180 days from the date of the accident, the insured of the special insurance for accidental death suffers an accidental injury (see "Special insurance benefit for accidental death insurance" at 5 times the basic insurance amount in addition to the "death benefit" paid in paragraph 3).

You can ask a salesman you know and a salesman you don't know to listen to and summarize their words. The products are good, the key is that the salesman must be optimistic, a good salesman, can bring great added value.

Suppose you are 30 years old, and you deposit $10,000 into this account every year for 10 years to protect you until you reach the age of 88. Your guaranteed interest is:

1. Fixed return: 10,000 * 15% = 1,500 yuan 2. Shareholder dividends: that is, the value of this account enjoys the dividends of the company's operation every year.

Fixed returns are available every year).

3. Give a benefit: Death caused by general accidents is 10 times the annual premium, and public transport accidents are 15 times the annual premium.

4. Maturity payment: On your 88th birthday, the company will give you a one-time payment of 100,000 yuan as a birthday payment.

Ping An Insurance Jixing Yingrui salesman's commission is how much he can get for as many years30% commission for 5 years.

The commission of Ping An Insurance Jixing Yingrui salesman is 30% in the first year, 20% in the second year, 16% in the third year, 12% in the fourth year, and 8% in the fifth year, which can be taken for 5 years.

Insurance is a junior college major, Liang Min belongs to the financial category, and the basic core key bucket study period is three years. This major is modified and sharpened to cultivate application-oriented talents who can engage in practical work in insurance and related industries.

The commission of the insurance company's salesman is divided into two kinds of life insurance and property insurance, life insurance is paid for a long time, the commission of each company is different, and the commission of the same company is different.

1. Life insurance is paid for a long time, generally different companies, and the same company is different in terms of insurance types, generally in the first year of the premium can get 20%-35% of the commission, the part of the orange answer a little better insurance can get 45% of the commission, after the first year this proportion is declining year by year, generally only 10%-15% of the commission in the second year, according to which you can generally get 3-6 years.

Hello, I am a district director of Ping An, and I am in Shenzhen!

First of all, I declare that my content is definitely not copied and is definitely authoritative!

Survival Rebates.

Age 18-40 at the time of application: 15% of the annual premium will be refunded every year

Age 41-50 at the time of application: 12% of the annual premium will be refunded every year

Maturity Payment: Refund of premiums at age 88 at maturity.

Death benefit. General Death Benefit: 10 times the annual premium (10 years of premium paid in the event of death before the age of 88).

Accidental Death Benefit: 5 times the annual premium (15 times the annual premium for accidental death before the age of 88).

The insurance period is up to the age of 88, which corresponds to the maturity of the policy anniversary (the return of the principal at maturity means that if you live to the age of 88, you will return all the premiums).

1000 yuan.

The minimum premium for one-dollar outlets is 8,000 yuan.

The minimum premium for binary outlets is 3,000 yuan.

Issue age: 18-50 years old.

A total of 14 additional types of insurance:

Yingrui Critical Illness (983).

Additional Term (735), Additional Waiver A (754), Additional Waiver B (755), Waiver of Critical Illness 07 (916),

Hospitalization Expenses A (507), Hospitalization Expenses B (508), Healthy Life A (521), Healthy Life B (522),

Hospitalization days 07 (516), additional accident 08 (518), accidental hospitalization A (527), accidental hospitalization B (528),

Additional Disability (180);

Don't know which city you are? Second-level institutions, the minimum insurance is 8,000 yuan, the payment period is fixed for 10 years, the insurance protection is 80,000 yuan for the death of illness, 120,000 yuan for accidental death, and the return of the principal of 80,000 yuan at the age of 88 is the birthday payment. It should not be ignored that there is also a long-term accumulation of dividends, and different ages and genders will have different design models, so the income status varies from person to person!

This is a two-pronged insurance, the protection and income are not very prominent, it is just a small financial insurance. But for the future, you will definitely be helpful!

This insurance is a return-type product that Ping An has just launched this year, and it will return 15% of the current premium every year, which is paid on time. There are two types of protection: one is 10 times the premium paid in the event of death due to illness. If you die due to an accident, it is 15 times the premium paid, this additional insurance can be added according to your own needs, and the return of the principal at maturity is the insurance period of this product, pay ten years until you are 80 years old, and return your principal to you at the age of 80 The contract is terminated, and this product is 8000 to pay.

If there is anything you don't understand, you can ask me directly. I am a salesman of Qingdao Ping An.

。It is difficult for ordinary people to understand annuity insurance, and one detail will make the yield vary widely. Some products only receive 550,000 yuan in the end after paying a 50w annuity, with an annualized income of only 1%; Some products already have an annualized income of about 4% for the main insurance alone.

For everyone's reference.

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

1.High yield is the first priority.

No matter what the purpose of buying an annuity is, as a kind of financial insurance, the income of annuity insurance is crucial. The way to increase the value of annuity insurance is mainly through annuity accounts and universal accounts. The whole process of earnings growth is more complicated, but in the end, the IRR is calculated to reflect the 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 annuity should match the demand for the use of funds.

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

How much can a child get back for studying?

How much money do we receive when we retire?

What is the cash value of the policy when I need money urgently?

How much money can I leave for my family after I return to old age in 100 years?

Working families have limited budgets, so it is recommended to focus on solving one or two problems, such as education funds, mainly depending on how much money can be returned to see the age of the child's education.

Although business owners have a sufficient budget, they need to be flexible in their funds, 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 the century.

Although the form of annuity insurance is not difficult to understand, there are many pitfalls in the product. 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"Can anyone explain Ping An Jixing Yingrui Annuity Insurance specifically"

Issue age: 18-50 years old.

Period of insurance: up to the age of 88.

Insurance liability: 1. Survival rebate:

18-40 years old at the time of application, 15% of the annual premium will be refunded every year;

41-50 years old at the time of application, 12% of the annual premium will be refunded every year.

2. Dividends.

The Insurance Regulatory Commission stipulates that 70% of Ping An's annual surplus must be distributed to customers, and the average dividend interest rate of Ping An in the past 5 years is 08 years.

3. Maturity payment.

At the age of 88, the full amount of premiums paid will be refunded.

3. Guarantee.

General Death Benefit: 10 times the annual premium;

Accidental Death Benefit: An additional 5 times the annual premium will be paid, for a total of 15 times the annual premium.

1. At the age of 60, you can't get all the money back.

2. Yes.

3. Dividends are only higher than a year's regular income, but the main function of insurance is protection, if you buy insurance for dividends, it will be very loss, and the dividends of insurance are not all funds into dividends.

4. You can take it at any time, if you don't need it urgently, it's best not to take it, if you don't take it, you can accumulate interest in the insurance company in the future.

Now Xincheng has also launched a product that focuses on receiving, leisurely Jinsheng.

The age of 60 is 20% of the sum insured every two years

60-79 per year is to receive 20%.

80-87 is 25% per annum

There is a birthday money separately.

Returned to capital at the age of 88.

There are accrued bonuses and special bonuses.

You can contact me for details, and then help you see it according to your situation.

1. No, because the contract stipulates that the expiration date is 88 years old, and the principal cannot be withdrawn halfway! Before the expiration of the customer's benefit: 12% of the sum insured will be returned as a survival benefit for each 1 anniversary of the insured's survival. and enjoy the company's dividends every year!

2. The insurance age refers to the insured, since it is bought for himself, of course, it is 50 years old, if it is bought for the child, then the money belongs to the child!

3. Dividends are uncertain, because they need to be based on the company's annual operating conditions, generally speaking, less than 2% of the annual premium!

4. It's not that you can't receive it, but it is recommended to receive it together, because the cumulative interest-bearing compound interest is calculated, and if you take it out, then it is simple interest!

If you want to take it, you can only surrender it, and the loss will be ............ can be purchased for your 25-year-old son

Dividends depend on the current profits, and the CIRC stipulates that 70% of the profits need to be distributed to customers, and there is a guaranteed income.

The products I bought before were the above products, how could I not give ......

Xueba talks about insurance, focusing on insurance evaluation! The comparison between 35 participating insurance and 101 mainstream critical illness insurance has been updated35 participating insurances PK 101 mainstream critical illness insuranceParticipating insurance has always been one of the more pleasing types of insurance in the market, but due to the complexity of insurance, not many people have really understood it. Let's take a closer look:

Dividend insurance, to put it simply: it is insurance with dividends, and the dividends come from the fact that the profits of the insurance company look very good, guaranteed, and rich.

In fact, many consumers are attracted by the dividend function of the dividend insurance but have bought the friends of the dividend insurance, have you really received the "red"? Anyway, I haven't seen anyone actually make a significant profit.

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

Second, the dividend pool is not transparent.

These two characteristics of dividend insurance make the real income of dividend insurance an unknown, and therefore make dividend insurance the most complained about by everyoneParticipating insurance has such a high complaint rate?! It's all made clear.

In the final analysis, dividend insurance is not suitable for beginners, and people who do not have certain insurance knowledge should not blindly insure!

First of all, please don't compare insurance with banks, there is no comparison. This insurance product uses only a portion of your current income to plan for your future, while also enjoying personal, medical and accident protection.

Secondly, if you are only 20 years old, you may not be able to buy such a product. For you now, you may still be in the entrepreneurial stage, in other words, you may spend more on starting a family, so your expenses may be greater than your income. In another ten years, your income level should begin to gradually rise in a period, at this time, buy a part of your income to buy this product, of course, it is emphasized that the purpose of buying insurance is not to return 1500 yuan of survival money every year, but to leave a guarantee for your family, and at the same time relieve the pressure of the next generation.

Finally, I would like to say that the dividend itself is uncertain, it is determined by the elements of the product, and it has nothing to do with whether the private company or the national bank, even if the national bank has this in its product element, then it has uncertainty.

Supplement the previous question: since you can agree that the basic living security can be increased by 16 times after 40 years, will the dividends of this product be less?

Don't you know that from the year you buy Jixing Yingrui products, you can return 1,500 yuan every year? When A puts 10,000 yuan at home every year, B is already starting to get 100,000 yuan back, which is ten years longer than A. In other words, A only has 48 years to keep a five-year fixed deposit, because the previous ten years were used to accumulate principal.

Next, let's look at the five-year fixed deposit, since the state removed the real estate appreciation part from the CPI index, the average annualized return of the bank's five-year fixed deposit in the past 16 years is, then the annual interest is 4600, and the total bank interest obtained in 48 years A is equal to 10,000 yuan. B purchased Jixing Yingrui, the annual return of 1,500 yuan is also on the account for 58 years, and the income that can be generated is equal to 10,000 yuan, even if there is no dividend, it is higher than the bank fixed deposit interest, right?

Finally, when it comes to the urgent need for money, when I withdraw the fixed deposit in advance, the loss is the fixed deposit income behind, but the policy loan is nothing more than using the current loss to make up for the back, in other words, it is equivalent to the current deposit certificate pledge loan to ensure my later protection, not to mention that the interest rate of the policy pledge loan is often lower than the benchmark interest rate. So what's so bad?