I ask for a prawn who thoroughly understands the terms of Zhiying life to help me explain

Hello, first of all, the company does not have this provision for the return of this matter every other year, it is estimated that the salesman himself gives you this money, which is equivalent to returning a part of the commission to you, I personally think that the hospitalization insurance is more cost-effective, and the rate will be lower, but you have to take social security into account, and pay careful attention to the terms of social security.

As for the payment?It is recommended that if you have the conditions, it is best to add some premiums in the first installment, such as an additional 10,000, so that your income will be very good and the return on the principal will be fast.

This insurance has the function of partial collection, and the first two partial claims of each year are free of charge, and all of them are withdrawn at one time.

Finally, about the complaint, remind you that this insurance has a ten-day hesitation period, if you really buy it, then after the policy is underwritten, the salesman will take a policy receipt to sign for you (this is a must, you have to pay attention), you have to sign and write the date of receipt of the policy, then ten days from the day after the date of receipt is your hesitation period, in these ten days can be fully surrendered, you can study the terms carefully, if it is not suitable, apply for a hesitation period to surrender, so that you will not have a financial loss.

Hope that helps you :)

I haven't heard of special treatment for some people, how can there be two contracts, I haven't heard of it. This type of insurance is still very good, you don't need to listen to the salesman's outland, you just need to understand what you want, you want to be hospitalized, accidental injury, etc., you put it forward to the salesman, people are often fooled in the interests here.

1.Comparative income, 6000 yuan a year, 10 years cost-effective. Compound interest is calculated, and under the same interest rate, the shorter the payment time, the more principal, and the higher the income.

2.Additional hospitalization is the same as when it is a separate hospitalization.

3.When you need to use the money, you can choose to take out some of it or all of it according to your actual needs. If you take out a part, the protection is still valid, and if you take out the whole amount, there is no protection. A fee will be deducted for each deposit and withdrawal, so try not to withdraw it monthly.

4.Her willingness to give you a rebate is a private matter between you, and if the CIRC knows about it, there is a very serious punishment.

In short, you know exactly what kind of insurance you are buying. There is indeed a pie in the sky, but it is hard to find. Therefore, I hope that the landlord will not care about a little interest, do not return the commission and get the sincere service of the salesman, wouldn't it be more reassuring.

That's all the good for everyone.

Hello, Ping An Zhiying Life Insurance refunds are not full.

The refund will be made within 10 days after the contract is signed, and the other amounts will be refunded after deducting the handling fee of about 10 yuan.

After the 10-day hesitation period, the cash value of the policy will be refunded, the cash value can be viewed from your insurance contract, the general long-term insurance, the cash value in the first few years is relatively low, because the insurance company will incur a lot of expenses in the early stage, and the cash value on the policy is relatively low.

It is recommended to consider your circumstances to determine whether to surrender the policy. If there is a material misunderstanding of the contract and the insurance is not suitable for you at all, it is recommended to surrender the policy. In other cases, it is recommended to continue to hold, insurance is needed for everyone, more protection, and less worry when there is a risk.

You can apply to Ping An to convert the policy to a paid up policy or extend the policy, and then you will no longer pay the premium, but only reduce the sum insured or shorten the insurance period. It's the least costly way to do it. Specifically, you can ask the salesman who contacted you to pay the money.

Zhiying's life is very good, why do you want to retire? If you return this year, there will only be more than 1,000. If you are not very old, you can return the principal after 10 years.

Their salesman will definitely not give you more than the high commission deducted from the money you buy insurance, and it is estimated that he will give half at most, so remember in the future, the lies of the insurance salesman cannot be listened to.

Surrender can only be a small amount of money! Choose the right time.

The policy value is on the policy or on the proposal, which can be viewed.

0 Insured Requirements:

l Issue age: 18-60 years old;

l The following groups of people are not allowed to be policyholders:

Those who do not have a permanent job;

Annual income less than 20,000 yuan.

l The following groups of people are not allowed to be insured:

Those who are engaged in occupations of level 5 and above.

The same policyholder can only apply for one type of insurance for the same insured.

This type of insurance is counted as double the amount insured of life insurance.

Payment rules: l regular premium: it is agreed that the annual payment of the insurance premium shall not be less than 4,000 yuan, and when it exceeds 4,000 yuan, the excess part must be an integer multiple of 500 yuan;

l Additional insurance premium: about 6,000 yuan (including 6,000 yuan) or more on a regular basis, the additional insurance premium can be paid. When the premium paid in the main insurance period is more than 20,000 yuan (including 20,000 yuan), the cumulative additional insurance premium in each policy year can exceed 10 times of the premium paid in the period.

Sum Insured Rules: l The relationship between the maximum basic insurance amount and the multiple of the premium paid on time is shown in the annex;

l When the insurance premium paid on a regular basis is less than 6,000 yuan, the minimum basic insurance amount shall not be less than 20 times of the insurance premium paid on a regular basis;

l When the insurance premium is more than 6,000 yuan (including 6,000 yuan), the minimum basic insurance amount shall not be less than 5 times of the insurance premium paid on time, and shall not be less than 120,000 yuan.

Ping An Plus Wisdom Life Advance Payment Critical Illness Insurance (811).

l It can only be attached to Ping An Zhiying Life Whole Life Insurance (810), and shall not exceed the basic sum insured of the corresponding main insurance;

l The basic insurance amount shall not be less than 10,000 yuan;

l This type of insurance is double the amount of critical illness liability insured;

l The insurance premium (including the period-paid premium and the additional premium) after deducting the initial cost in the first year is greater than the annual coverage cost of the main and supplementary insurance calculated according to the amount of hazard insured and age at the time of application (this article can be tested by the Golden Collar system).

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

Hello! Zhiying Life is a universal insurance, and part of the premium is to buy protection, you can take a look at the insurance amount in the contract; The other part is managed by the insurance company, and the bridge benefit is uncertain and dividends are distributed according to the operating conditions of the insurance company, but there is a guarantee, which should be about 4% now. After 10 years of payment, you can renew or not pay, and the cost of protection will be deducted from the accumulated value.

Xueba talks about insurance, focusing on insurance evaluation! First of all, a wave of benefits will be broadcast, and the list of universal insurance products worth buying is freshly released, and interested friends can take a look:What are the top 10 universal insurances that are worth buying? 》

Zhiying Life is a universal insurance launched by Ping An in 2009, although it has been discontinued, but it still has a lot of controversy on the Internet, and the most talked about is how to deal with the problem of this insurance

The highlights of this product are the following:

1.Advance payment of critical illness insurance benefits. This design is more user-friendly, once the insured is diagnosed with an advanced critical illness by the hospital, then the insurance company will pay the basic sum insured in advance.

2.Death benefit included. In the unfortunate event of the death of the insured, the insurance company will pay a lump sum of death benefits as agreed if the insured is still within the policy period.

This product also has the following drawbacks:

1.The main insurance is a whole life insurance with universal benefits, and the handling fee is expensive, that is, the "initial cost" mentioned in the contract. The five years of the former Song Ming are %, and from the 6th year onwards, 5% is deducted each year.

2.The biggest problem is the use of natural rates instead of equilibrium rates, which divide the amount of hazard coverage and the cost of protection. In the later stage, the cost of protection will become higher and higher, and the policy may be terminated at any time if the payment is not continued.

Of course, there are more than the above two points, there are others that are not listed, if you want to know more friends, move to the right article link to view:"It's said on the Internet that a safe Zhiying life is not good, is it true? 》

Some people may say, hey, what should I do if I lose money? Here's my opinion:

1. Surrender: If you don't want to continue to pay expensive premiums, it is better to refund the premiums and buy a higher insurance policy.

2. Continue to pay: To reduce the output of pure premiums, you can set the sum insured to the minimum sum insured of the product.

Before buying insurance, remember to take a look at this treasure book I have put together, which is super practicalHave you memorized all these key knowledge points for buying insurance? 》Hope!

You can actually ask Ping An Insurance customer service between **, ask the cash value on your account, and then deduct a surrender fee, which is the cash you can get now.

I guess the customer service will tell you about 8,000, which is your insurance premium for two years (maybe you call it the principal).

Zhiying Life, if you surrender the policy in the fifth year (that is, in 2015), then I estimate that you will get 2w, which is exactly your 5-year premium.

The premium of 4,000 yuan, I guess you should sign for 10 years, then maybe by 2023, the cash value of this insurance (the total amount you can get by surrendering) I estimate that it will be 8w.

Insurance is to get the corresponding amount of protection at the same time, make a "small deposit and lump sum" deposit, hesitant to use compound interest to calculate interest, so over time, it will appear more interest than a single deposit bank (in fact, because it converts the interest of each period into the principal of the next period).

The main thing is not knowing your age. If you are under the age of 25 now, you can pay back the cost in 16 years.

If you are over 35 years old, it is impossible to return to your original cost.

Hehe, are you a ** person?

Weihai's? Let me first state that I don't do insurance, but I have bought the same type of insurance to help you answer what I know.

The payment time is 10 years, and there is no need to pay after 10 years.

After ten years, you can't take it out at once, your principal, that is, the 60,000 yuan, can't be moved, and the other money can be withdrawn. 60,000 will be taken, and the guarantee will be terminated.

The biggest benefit is that all the money is not taken, as if it is guaranteed for life, and the money can be left to the children. Or if you are in a hurry, you can take out a part.

Claims are not deducted from your money, you pay 6,000 yuan a year, and there is a certain amount of protection, such as 120,000 yuan for critical illness insurance, 60,000 yuan for medical insurance, and so on.

If you have an accident, maybe your current year's premium will be deducted, if you are Weihai, I will introduce a senior account manager to you.

Universal insurance payment for life, deduction for life, annual cost deduction are all in **!It will take about 10 years to repay the principal!Also note:

1. This type of product is not suitable for people over 50 years old.

2. Everything is based on the contract, and the guaranteed interest rate cannot be lower than the bank interest rate 3. The company should have long-term and stable income, and the investment income can not be high or low 4. The annual premium should be in line with their financial ability and controlled at 10-15% of the annual income 5. The controllability of universal insurance is extremely poor and the cost is extremely high, so it is recommended that the payment age is more than 10 years 6. The best buyer group is those with generous financial ability, younger people, and those with a certain investment risk tolerance, commonly known as "rich people".

The first question is that the fee is yes!

The second question is that you don't need to pay it for 10 years.

The third problem is that it can be received freely, and the unclaimed ones will continue to generate interest.

The fifth question is a critical illness claim, there is still a surplus in the account, as for how much is left, it mainly depends on the proportion of the main insurance and additional critical illness. But there is definitely still money,

The second floor is nonsense. This product is characterized by flexible access. The money in the account can be withdrawn whenever it is urgent. Generally, the account value will be less than the premium paid 10 years ago. After 10 years, the value of the account will increase more quickly.

Pay 6,000 at the age of 24, and the recommended insurance amount is 150,000, 100,000, 100,000, and 20,000.

Don't exceed 20% of your annual income, that is, if you don't earn 3w in a year, you are not suitable to buy 6000.

The first thing to say is that if the annual payment of universal insurance is 4000, the amount of insurance is not suitable. It doesn't make sense to go low. I can't afford to raise the principal. Especially for critical illnesses, premiums increase very quickly with this age.

There are two solutions for you to consider:

1: The conditions allow additional premiums, and it is recommended to achieve 8,000 to 10,000 yuan. For example, if you are relatively young now, buying universal insurance still has certain advantages for other financial investment insurance. This way, there is also insurance.

2: Minimize the amount of the main insurance that can be stopped by the additional insurance. Treat it as a pure investment insurance.

If you purchase a consumer-based accident insurance supplement (each company is slightly different, the sum insured of 200,000 is about 110-150 per year) and the lifelong critical illness insurance (due to rate control, it is recommended to choose the participating type), if you pay 4,000 yuan per year, the sum insured of more than 100,000 is absolutely no problem.

Universal insurance is actually an investment-type insurance in insurance, but the weakness of investment advantage insurance, (currently deposited in the bank 5 early, the income is higher than him) such as treasury bonds, ** and ** can be properly understood. You are still very young, and it is not advisable to choose such a conservative investment approach.