Ping An Insurance Xinli dividend paying! Handed over for three years! 3500 per year! What is the cur

Don't easily believe in the demagogy of others, there is a loss in surrendering the policy, it is recommended to continue to pay the premium, and if necessary, you can take out a policy loan!

You look at the contract, the surrender cash value.

Look at the cash value of your policy in the third year, if it is the current value in the middle of the year, you can call ** consultation.

The cash value is as much as you can see for the third year of the contract.

Then pay it, the surrender loss is too great. 7% of the insured amount in the next year, and receiving twice the sum insured at the age of 80, how can it be counted as earned, why should it be refunded?

It is recommended to continue to pay, and the surrender loss is large.

You don't need to return this insurance, this insurance. The future cash value is very high.

It is recommended to renew the policy and surrender it.

If you lose a lot, there is no need to retreat.

Be deceived! Then pay the insurance without buying the wrong one.

Look at the cash value on the contract.

Xueba talks about insurance, focusing on insurance evaluation! First of all, I will send a comparison table of 35 participating insurance products and 101 popular critical illness insurance productsComparison table of 35 participating insurances and 101 popular critical illness insurances, to friends who know this article.

Participating 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:

Participating insurance refers to the insurance company that invests part of the customer's premium, and distributes the investment income to the policyholder according to a certain amount of financial insurance products after deducting the cost, which has both protection and return dividends, which makes many people excited.

Participating insurance is more popular with consumers because it has both protection functions and annual dividends, but many people regret it after two years after buying, because there is a large difference in income before and after buying.

The main reason is that consumers do not know enough about participating insurance

Clause.

1. The dividends of participating insurance products are unknown to the experience of insurance companies.

Second, the dividend pool is not transparent.

The existence of these two characteristics makes the dividends that customers can get an unknown, and because of this, the dividend insurance has become the insurance with more consumer complaints, and the reasons are in this articleWhy is the dividend insurance frequently complained?! , if you are interested, you can find out.

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!

That's all for me"Ping An Insurance Xinli dividend-paying! Handed over for three years! 3500 per year! What is the current surrender rate? Seeker"All, look!

What is Participating Insurance?

Participating insurance refers to the life insurance that the insurance company distributes to the policyholders according to a certain proportion of the surplus of its actual operating results compared to the pricing assumption, which has the following characteristics:

First, policyholders can receive dividend distributions. In addition to the basic protection function, customers can share the company's operating results with the company.

Second, the dividend distribution methods include cash dividends and incremental dividends. Cash dividend distribution refers to the direct distribution of surplus to policyholders in the form of cash, and insurance companies can provide a variety of dividend payment methods, such as cash, premium payment, interest accumulation, and purchase of sum insured. Incremental dividend distribution refers to the distribution of dividends in the form of increasing the sum insured each year throughout the term of insurance.

Thirdly, the distribution of dividends is uncertain. The level of dividends mainly depends on the actual operating results of the insurance company.

What is Dual Insurance?

Comprehensive insurance refers to life insurance that is conditional on death or survival during the insurance period in accordance with the insurance contract. At the same time, it has the function of protection and savings. All other things being equal, the savings function of both insurance is more prominent than that of whole life insurance.

Since both the endowment insurance policy includes both the death benefit and the survival benefit, all other things being equal, the premium rate of the endowment insurance is higher than that of both term life insurance and whole life insurance. The death protection function of both insurance is similar to that of term life insurance and whole life insurance, and the survival insurance money can be used for education, pension and other expenses.

How much can I get back when I surrender the policy?

If you buy commercial insurance, if it is not due, you can only return the cash value if you surrender the policy halfway, because the product is a participating insurance, you can also return the unclaimed dividends of the product for each period when you surrender the policy. The specific amount that can be received can be viewed on the cash value page of the policy, or you can contact the insurance company directly for inquiries.

Finally, there is something to say:

It is not recommended to surrender the policy, because there is a certain cost to surrender the policy, and there will be a certain loss. Moreover, life insurance starts to be paid at different ages, and the premiums required are also different. Because as we age, the risk of death also increases.

The original benefit will also be lost when the policy is surrendered, and it may also be restricted when re-insured.

If you buy commercial insurance, if you do not surrender the policy in the middle of the expiration date, you can only return the cash value, which can be viewed on the cash value page of the policy. The cash value shown is a copy, multiplied by the number of copies you purchased, which is the exact amount that can be refunded to you.

If the policy is surrendered, it is a default on the loan, and the cash value can only be returned.

Surrender will be refunded according to the cash value of the year corresponding to the cash value table on the contract.

Summary. 1. Can Ping An Xinli surrender be refunded in full?

1. Surrender during the hesitation period: After the Ping An Xinli policy is purchased, there will be a hesitation period of about 10 days; During this period, if the policyholder feels that the policy is not suitable and needs to surrender the policy, the insurance company will refund the premium in full.

2. Non-hesitation period surrender: If the policy is surrendered after the hesitation period, it is generally calculated according to the cash value of the policy; It is uncertain how much can be refunded, which has a greater relationship with the total amount of premiums invested and the number of years of insurance; If the policy is surrendered for a short period of time, the cash value will generally be smaller, and the surrender loss will be larger.

2. How much is the cash value of Ping An Xinli?

How much cash value of Ping An Xinli surrender needs to be based on the actual insurance of the policyholder against the cash value table of the policy, which is not directly able to give a specific value, after all, the actual insurance situation of each policy is different.

Cash value of the policy = Ping An Xinli's premiums paid - Ping An Insurance Company's related expenses + interest on the remaining premiums.

The premiums paid and the related interest will increase with the increase of the insurance time, and the expenses that the insurance company needs to deduct will also focus on the deduction in the first few years of insurance, so the cash value of the policy in the early stage will be relatively low, and the cash value will increase to a certain extent after the insurance has been insured for a long time.

Ping An Xinli has paid dividends for 13 years, how much can be refunded?

Hello dear! 30%-60% of the premium can be refunded

1. Can Ping An Xinli surrender be fully refunded Ping An Xinli can be fully surrendered depends entirely on the surrender time of the policy: 1. Surrender during the hesitation period: After the Ping An Xinli policy is purchased, there will be a hesitation period of about ten days; During this period, if the policyholder feels that the policy is not suitable and needs to surrender the policy, the insurance company will refund the premium in full.

2. Non-hesitation period surrender: If the policy is surrendered after the hesitation period, it is generally calculated according to the cash value of the policy; It is uncertain how much can be refunded, which has a greater relationship with the total amount of premiums invested and the number of years of insurance; If the policy is surrendered for a short period of time, the cash value will generally be smaller, and the surrender loss will be larger. 2. How much is the cash value of Ping An Xinli surrenderedHow much cash value of Ping An Xinli surrender needs to be compared with the cash value table of the policy according to the actual insured person himself, which is not directly able to give a specific value, after all, the actual insurance situation of each policy is different.

The cash value of the policy = the premium paid by Ping An Xinli - the relevant expenses of Ping An Insurance Company + the interest generated by the remaining premiumThe paid premium and the related interest will increase with the increase of the insurance time, and the expenses that the insurance company needs to deduct will also focus on the deduction in the first few years of insurance, so the cash value of the policy in the early stage will be relatively low, and the cash value will increase to a certain extent after a long period of insurance.

Good. Have a great day! <>

Summary. Hello, dear, happy to answer for you. Ping An Xinli is a comprehensive insurance launched by Ping An Life Insurance Company, which belongs to the category of participating insurance. The amount of insurance is usually not low, and during the hesitation period of buying insurance, the surrender of the insurance only needs to deduct the cost of a few dozen yuan.

2. Surrender the policy within the normal period.

It is necessary to compare the cash value table in the contract, and everyone's economic loss will vary to a certain extent with the difference in the payment period and the difference in dividend benefits. The following amounts are subtracted from the premiums paid by the policyholder, including the premiums for which the liability has been liable, interest, commissions and costs that have been consumed by the insurance company.

How much can Ping An Xinli return for 8 years of dividend surrender.

Hello, dear, happy to answer for you. Ping An Xinli is a comprehensive insurance launched by Ping An Life Insurance Company, which belongs to the category of participating insurance. The amount of insurance is usually not low, and during the hesitation period of buying insurance, the surrender of the insurance only needs to deduct the cost of a few dozen yuan.

2. The normal period of surrender needs to be compared with the cash value table in the contract, and everyone's economic loss will be different to a certain extent with the difference in the payment period and the difference in dividend benefits. The following amounts are subtracted from the premiums paid by the policyholder, including the premiums for which the liability has been liable, interest, commissions and costs that have been consumed by the insurance company.

Hello, it should be noted that a participating insurance like Ping An Xinli can be surrendered after paying premiums for a few years, and the loss of expenses is not small, and only 70% of the cash value can be refunded.

Summary. Hello dear, Ping An Fuxinli Insurance has paid 20 years of yuan per year, and it can return about 1,800 yuan per year in the future. Ping An Fuxinli Insurance has paid 3,136 yuan per year for 20 years.

After that, you can get back 3,500 yuan every two years. Because if this insurance survives every two years, it will return 3,500 yuan of survival insurance money. Moreover, the full name of this insurance is called Ping An Xinli Insurance (Dividend), not Ping An Fuxinli Insurance.

Hello dear, Ping An Fuxinli Insurance has paid 20 years of yuan per year, and it can return about 1,800 yuan per year in the future. Ping An Fuxinli Insurance has paid 3,136 yuan per year for 20 years. After that, you can get back 3,500 yuan every two years.

Because this insurance will return 3,500 yuan of survival insurance money if it is changed every two weeks. Moreover, the full name of this insurance is called Pingxiang Judgment Anxinli Insurance (Dividend), and it is not called Ping An Fuxinli Insurance.

In addition, if you are sold, there will be a maturity survival insurance benefit, the amount is double the sum insured, which depends on the specific amount of insurance in your policy contract. In addition, if the death benefit is the death of the insured before the policy anniversary of the 18th birthday, the premium paid will be refunded and the simple interest will increase according to the annual growth rate. If the insured dies after the policy anniversary of the 18th birthday, Yu Chongjian will pay double the sum insured.

Summary. Surrender can generally be handled in the following ways:1

Apply to the insurance company for a surrender, for example, you can call the insurance company's customer service** to apply for a surrender. Another advantage of this is that you can consult the customer service about the specific information required for the surrender of the policy, so as to avoid the situation that the insurance cannot be surrendered and run in vain due to incomplete information; 2.Prepare the surrender materials, generally you need to prepare the policyholder's valid identity document, insurance policy, premium payment certificate, application for termination of insurance contract, etc.

Among them, the application for termination of the insurance contract can generally be made on the official website of the insurance company**, or it can also be filled in directly at the insurance company; 3.Bring the surrender materials to the insurance company to go through the surrender procedures, and the insurance company staff will generally assist in the surrender, usually to recover the policy and give the surrender certificate to the surrenderer; 4.The surrender money will be credited to the bank account designated by the policyholder within the agreed time.

Hello dear, you can refund 30% of the premium paid 60%.

Another advantage of this is that you can consult the customer service about the specific information required for the surrender of the policy, so as to avoid the situation that the insurance cannot be surrendered and run in vain due to incomplete information; 2.Prepare the surrender materials, generally you need to prepare the policyholder's valid identity document, insurance policy, premium payment certificate, application for termination of insurance contract, etc. Among them, the application for termination of the insurance contract can generally be made on the official website of the insurance company**, or it can also be filled in directly at the insurance company; 3.

Bring the surrender materials to the insurance company to go through the surrender procedures, and the insurance company staff will generally assist in the surrender, usually to recover the policy and give the surrender certificate to the surrenderer; 4.The surrender money will be credited to the bank account designated by the applicant within the agreed time. If it is an insurance product purchased on the policy, then it is generally possible to surrender the policy directly.