Tian An Life Yixiang Life pays 10,000 yuan a year for 5 years, can I surrender the policy in the sec

Of course, it is a problem of being able to surrender the policy, and it is a matter of losing a large amount of money after surrendering, which is really not cost-effective. This is a very typical pension insurance, which can protect life, many people feel that it is not very cost-effective after buying this insurance, so they want to surrender the policy, in fact, they can indeed surrender the policy at this time, we only need to go to the business hall with the relevant documents to handle it, but the problem is that it is impossible to refund all the premiums after surrendering, and we only get the cash value of the policy.

The so-called cash value of the policy is actually an amount obtained after deducting all expenses such as insurance value, interest, service charge, salesman's commission, etc. If the policy is surrendered during the cooling-off period, then the insurance company will refund the premium in full and terminate the contract, but if the cooling-off period has passed, there will definitely be a certain loss, after all, it is the policyholder who defaults first, and the insurance company is unlikely to bear so many additional losses. This insurance is very simple and straightforward, it is a long-term pension financial insurance, but for many people, this insurance is really not suitable as their first insurance, or the only insurance.

This insurance can provide a guarantee for many people's old age, but the annual premium paid is not low, if you can use these premiums to manage your finances, maybe your old age life will be more secure. As for the final death benefit, I don't think it's very useful, are you just buying this insurance to give some comfort to your next generation?

So no matter what, we should first buy insurance to focus on critical illness or accident, you must know that illness and accident are the two most difficult things, pension or education we can prepare in advance for the time being, but how should you deal with sudden illness and accident? And once it happens, it will cause a great burden on your own family. Not only can they not be compensated by the insurance company, but they also need to pay high premiums every year, which is simply worse for the family.

Why do I want to return? Insurance and wealth management are long-term funds, and if you do not follow the contract, you will lose money if you surrender the policy early before the payment period expires. Refund based on cash value.

The policy can be surrendered, but there will be a loss. The salesperson's commission will be deducted, and the handling fee will be rebated according to the terms of the contract.

There may be a loss when the policy is surrendered midway, so it is recommended to hold it for a long time.

Tian An Life. Enjoy Life is an annuity insurance.

The product is the China Banking and Insurance Regulatory Commission.

Approval is not until it can be marketed, so the product itself is compliant. In addition, this product is a pension product that can provide a stable cash income. For example, at the age of 40, you choose to apply for Tianan Life Insurance, choose to pay for 5 years, pay 1 million yuan per year, and the basic sum insured.

It is 10,000 yuan, and the product is guaranteed for life.

Then from the age of 60, you can receive an annuity of 10,000 yuan every year until life. However, if you unfortunately die at the age of 85, you have already received 10,000 yuan before, and at the same time, you will be compensated for the death insurance benefit. In this way, it seems that it is more reliable to pay for 5 years of life in Tianan Life.

Extended information: 1. Enjoy life annuity insurance.

What are the benefits?

Regarding the specific protection content of Yixiang Life Annuity Insurance, we need to know what they are:

1. Pension.

Enjoy Life Annuity Insurance: You can start receiving an annuity when you are over 60 years old.

Here are two ways to receive an annuity:

One is annual payment, which is received once a year and receives 100% of the basic sum insured;

The second is the monthly payment, which is received once a month, and you can get the basic sum insured.

The insured chooses the most suitable payment method according to the actual needs.

2. Death benefit.

After the death of the insured, Joy Life will provide the death benefit, which is the actual premium paid by the insurance company and the cash value of the insurance policy at the time of death.

Choose between the two which will pay the death benefit that is larger.

2. What are the advantages and disadvantages of enjoying life?

1. The advantages of enjoying life:

Flexible ways to receive annuities.

In terms of annuity collection methods, there are two different types of Yixiang Life Annuity Insurance, which can be said to be great compared to those annuity insurance products that can only be received annually.

And the annual sum assured can reach 102% of the basic sum assured in the monthly payment, which will exceed 2% compared to the annual sum assured received in the year, which is still very cost-effective from this point of view.

The senior sister suggested that the monthly payment should be the first way to receive it, so that the amount received will be higher than other receiving methods.

2. The disadvantages of enjoying life:

The coverage of the annual coverage is small.

In terms of insurance age, the life annuity insurance is 28 days to 59 years old, which is a small range, so the needs of different customers cannot be met in terms of insurance needs.

Most of the products of the same type on the market can be insured up to the age of 65, such as the well-known Jingfu Pension Insurance.

The age range of Yixiang Life Annuity Insurance is small, and the insurance needs of people aged 60 and above cannot be met, but Jingfu Elderly Pension Insurance can do it, if you are more curious about the relevant protection content of Jingfu Elderly Pension Insurance, you can read the following:

The pension age is set unreasonably.

The provision of Joy Life Annuity Insurance stipulates that no more than 60 years old cannot receive a protection annuity, which is quite unreasonable.

Now the retirement age of women is earlier than that of men, everyone knows it, and the age of ordinary retired women is 55 years old, but the limit of Yixiang Life Annuity Insurance is limited to being allocated to the annuity at the age of 60, which means that women will not receive an annuity in the 5 years of retirement.

Summary. 2. If you want to withdraw money halfway, the insurance company will refund all the sum insured during the hesitation period, and basically only deduct its production cost, if it is withdrawn outside the hesitation period, it will only refund the cash value of the policy, and the loss is relatively large. Tianan Life, enjoy life, you can receive a survival fund after 5 years, but the principal cannot be received.

Annuity insurance is paid in installments, guaranteed for life, returned to the universal account in installments, daily interest, monthly compound interest, accumulated interest, can be partially received, but after receiving it will affect the principal of compound interest calculation, as long as possible to retain a little longer, the value-added rate is fast, insurance annuity is a medium and long-term financial management.

Dear Hello, I am honored to answer for you Tianan Life Insurance (5 years payment) can be taken out. 1. There are two ways to withdraw money from Tianan Life Insurance, one is the survival annuity, and the other is the death insurance, and the time for receiving the survival annuity is the statutory retirement age, that is, whether you buy insurance at the age of 20 or 30, you cannot withdraw money without reaching the agreed age.

2. If you want to withdraw money halfway, the insurance company will refund all the sum insured during the hesitation period, and basically only deduct its production cost, if it is withdrawn outside the hesitation period, it will only refund the cash value of the policy, and the loss is relatively large. Tianan Life, enjoy life, you can receive a survival fund after 5 years, but the principal cannot be received. Annuity insurance is paid in installments, guaranteed for life, returned to the universal account in installments, daily interest, monthly compound interest, accumulated interest, can be partially received, but after receiving it will affect the principal of compound interest calculation, as long as possible to retain a little longer, the value-added rate is fast, insurance annuity is a medium and long-term financial management.

There is no way to withdraw the insurance at once after 5 years with interest. What you can receive in 5 years is the cash value of the policy, you can take a look at the cash value table, this insurance is recommended to be held for a long time is more cost-effective, there is a return of pension after the age of 60, and there is also the protection of death insurance.

Further information: 1. Tianan Life Insurance shares****.

Tianan Life Insurance generally refers to Tianan Life Shares**** Tianan Life Insurance Shares**** (formerly Hengkang Tianan Life****) is a company that provides insurance business. Founded in November 2000 and headquartered in Beijing. Tianan Life Insurance**** operates all kinds of life insurance, health insurance, personal accident insurance and endowment insurance business.

In 2009, the company was restructured into a joint-stock company and renamed as Tianan Life Insurance Co., Ltd., and in 2017, the company won the "2017 Public Welfare Practice Award".

2. Can Tianan Life Insurance be fully refunded after five years?

Tianan Life Insurance cannot be fully refunded after five years. Although this insurance can be surrendered, it is not possible to surrender it completely. After the cooling-off period, the policy cannot be surrendered in full, and only the cash value of the policy can be refunded.

According to the rules of surrender, Tianan Life Insurance has passed the cooling-off period after five years, and naturally it is impossible to get a full refund. However, if there is a situation of signing or receiving rebates during the insurance signing process, you can apply for a full surrender of the policy.

At the same time, exaggerating the benefits of the product or misleading consumers can choose to surrender the policy, and those who can provide evidence can also apply for full surrender.

3. Is it reliable to buy Tianan life insurance?

Reliable. In 2018, Tianan Life's core solvency was 103%, its comprehensive solvency was 122%, and the risk rating has not yet been released, and its solvency meets the regulatory requirements of the China Insurance Regulatory Commission.

4. Tianan Life Insurance for Life Insurance.

Tianan Life Insurance pays the survival annuity and death insurance benefits, and the payment requirements are as follows:

Survival Annuity: If the insured survives on the corresponding date of each policy after the effective date of the insurance contract for five years, Tianan Life will pay a survival annuity at 100% of the basic insured amount of this contract. The basic insurance amount shall be agreed between the policyholder and the company at the time of application, and shall comply with the company's insurance regulations at that time, and the agreed basic insurance amount will be stated in the insurance policy.

Death Benefit: In the event of the death of the Insured, the Company shall pay the Death Benefit according to the greater of the actual premium paid by this insurance and the cash value of the insurance policy at the time of death, and the contract shall be terminated.

Depending on how much money you are ready to withdraw, your so-called withdrawal refers to the surrender of the policy, and generally the current price of the surrender is not enough for the premium paid. However, there are exceptions, and some companies design high-priced products that are almost enough for the premiums paid.

You can refer to the cash value table at the back of the contract to see which year the cash value is the highest, and you can choose which year to receive it, which is in the form of surrender.

OK.

1. Survival Annuity 1. If the payment period you choose is five years, during the period from the effective date of the fifth policy of this contract to the corresponding date of the fourteenth effective policy of this contract, if the insured survives at zero hours on the corresponding effective date of each policy, the survival annuity shall be paid at 10% of the insurance premium actually paid by this insurance; From the fifteenth effective date of this contract and thereafter, if the insured survives at 0:00 on the corresponding date of the effective date of each policy, 100% of the basic insured amount of this contract will be paid.

2. If the payment period you choose is 10 years, during the period from the corresponding date of the 10th policy to the corresponding date of the 19th policy of this contract, if the insured survives at 0:00 on the corresponding date of the effective date of each policy, 10% of the insurance premium actually paid by this insurance will be paid; From the corresponding date of the twentieth policy of this contract and thereafter, if the insured survives at 0:00 on the corresponding date of the effective date of each policy, a survival annuity shall be paid at the rate of 100% of the basic insured amount of this contract.

2. In the event of the death of the insured, the death insurance benefit shall be paid according to the greater of the following two, and this contract shall be terminated: 1. The insurance premium actually paid by this insurance shall be deducted from the survival annuity received; 2. The cash value of the insurance policy at the time of the insured's death.

Summary. Tianan Life Happiness Life Annuity Insurance is a long-term pension financial protection product, which does not change after the purchase of 60 years old, and does not receive annuity, and there is also protection in death. The term of this Tianan Life Annuity Insurance is lifelong, and the payment method is agreed with the insurance company, and the insurance age is from 0 to 59 years old.

Tianan Life Happiness Life Annuity Coverage: Pension On the effective date of the policy at the age of 60, the insurance company will pay an annuity of 100% of the basic insurance amount of the contract. Summary: Is it reliable to pay Tianan Life Annuity for 5 years?

If you buy Tian'an Life Insurance for 5 years at a time, to put it bluntly, it means that you can be supported in old age, medical treatment for illness, insurance for life, treatment for injuries, and gains for loss.

Can I withdraw the insurance benefit (paid in 5 years) when it expires?

Hello, dear. We're happy to answer your <>

There are two ways to withdraw Tianan Life Insurance Premium, one is the survival annuity, and the other is the death insurance benefit.

If you want to withdraw money halfway, if you withdraw the money during the hesitation period, the insurance company will refund all the sum insured, and basically only deduct its production cost.

Tianan Life Comfort Life Annuity Insurance is a long-term pension financial protection product, which does not change after the purchase of 60 years old, and there is no protection for death. With regrets, the payment method is agreed with the insurance company, and the insurance age is from 0 to 59 years old. Coverage of Tian An Life Annuity Benefit:

Pension At the age of 60, the insurance company will pay 100% of the basic insurance amount of the contract on the corresponding date of the effective date of each policy. Summary: Is it reliable to pay Tianan Life Annuity for 5 years? If you buy Tian'an Life Insurance for 5 years at a time, to put it bluntly, it means that you can be supported in old age, medical treatment for illness, insurance for life, treatment for injuries, and gains for loss.