Can the principal be refunded after 10 years of payment of China Life One Million Ruyi Insurance?

China Life Million Ruyi will not return the principal for 10 years, and the principal will be repaid only after the end of the insurance period.

China Life Million Ruyi Travel Insurance.

The meaning of return at maturity: China Life Million Ruyi Xing Insurance can choose to cover 20 years or 30 years, if you choose the 20-year payment period, you can return 110% of the premium paid at maturity, and if you choose the 30-year payment period, you can return 115% of the premium paid at maturity.

Features of China Life Million Ruyi Insurance: This product is a traffic accident insurance designed for car owners and frequent business travelers, which can protect buses, private cars, rail transit, water transportation, taxis and online car-hailing.

and official car accidents, full protection for travel accidents.

1.Comprehensive coverage: The coverage covers not only death and high physical disability caused by illness, but also death, high physical disability and hospitalization caused by accidental injury, for self-driving, official cars and passenger transportation.

Modes of transportation such as air travel provide additional protection against accidents. Hospitalization benefits are paid on a pay-as-you-go basis, up to a maximum of 180 days per year, up to a maximum of 1,000 days during the insurance period.

2.Full travel coverage: The coverage covers accidental death, accidental high disability and accidental hospitalization, and provides additional accident protection for travel modes such as private cars, official cars, elevators, passenger transportation, rail transit, and aviation.

3.Long insurance period: The insurance period can be 20 years or 30 years, which is the value of the user's life.

and career development period to provide high value protection. And the cost performance is good, 30-year-old men, the maximum protection is 2 million yuan, the protection is up to 30 years, and the premium is only 1680 yuan.

Common problems with this insurance: This China Life Million Ruyi Xing Insurance Accident Liability is incomplete, although it is possible to attach a hospitalization allowance, but in daily life, accidents are more of small accidents, falls and bruises.

A small accident cannot be claimed. In addition, the insurance is relatively not low, and it is suitable for people with sufficient budgets.

Ten years after the payment of the million Ruyi Bank handled by China Life, the principal can be refunded. However, it is a gradual return as required.

Whether the principal can be refunded after 10 years of payment depends on the relevant provisions of the insurance terms, and some insurances are paid for ten years and many years.

Of course, the principal is returned.

Ten years after the completion of the China Life Million Ruyi Insurance, the principal will definitely be returned.

Hello dear, I am happy to answer for you: 1. China Life Insurance is full of 10 years, and the premium will be refunded when it expires. If China Life is looking at the uproar, the insurance has been paid for 10 years, but the premium has been paid, but the protection period has not arrived, if the surrender is a midway surrender, it will be refunded according to the cash value of the contract.

Generally, there is an additional cash value table on the contract, and the cash value can be checked against the age of the company. 2. The protection period of China Life Ruyi Accompanying Insurance is 30 years, and the premium will be refunded when it expires. The benefits are covered by general accidents, self-driving accidents, passenger traffic accidents, aviation accidents, death or high disability and maturity benefits, plus accidental hospitalization fixed benefits.

I hope my answer is helpful to you

Summary. Dear, hello, China Life Million Ruyi Xing Insurance will be returned when it expires. If you choose a 20-year payment period, you can get a refund of 110% of the premium paid at maturity, and if you choose a 30-year payment period, you can get a refund of 115% of the premium paid at the end of the term.

In addition, China Life One Million Wishful Travel Insurance also provides death or high disability benefits for illness, death or high disability benefits for general accidental injuries, death or high disability benefits for specific traffic accidents, and hospitalization allowance benefits.

Dear, hello, China Life Million Ruyi Xing Insurance will be returned when it expires. If you choose a 20-year payment period, you can get a refund of 110% of the premium paid at maturity, and if you choose a 30-year payment period, you can get a refund of 115% of the premium paid at the end of the term. In addition, China Life One Million Ruyi Xing Liangsui Nai Full Insurance also provides death or high disability benefits for illness, death or high disability benefits for general accidental injuries, death or high disability benefits for specific traffic accidents, and hospitalization allowance benefits.

Will this insurance be refunded in full when it expires?

Pro-sheng guess, China Life Ruyi Accompanying Both Insurance has expired for 10 years, and the premium will be refunded at maturity. China Life Ruyi Accompanying Insurance has been paid for 10 years, but the premium has been paid, but the protection period has not arrived, if the surrender is a midway surrender, it will be refunded according to the cash value of the noisy pants. Generally, there is an additional cash value table on the contract, and the cash value can be checked against the age of the contract.

OK. If you buy it for 15 years, how many percent will you get back?

110% refund

The premium of millions of Ruyi is very low, and the company does not clearly stipulate that the surrender is a surrender premium, generally speaking, it is converted into cash value, and the payment time is long, the cash value is higher, and the payment time is short, and the cash value is low. For example, if the premium is 2,000 yuan, and the cash value is only a few hundred yuan after paying for a year, and the cash value is high, it is still less than the insurance premium paid.

1. How about the National Life Million Ruyi Trip?

When searching for Chinese Life Millions Ruyi Xing, the search result is "Million Ruyi Xing Two Full Insurance", you can look at the terms carefully, the terms of accident insurance are included in the two full insurance. In addition, both insurances will be supplemented with millions of Ruyi Xing accident hospitalization fixed payment medical insurance, the effect is that after the accident injury, you can get the accident injury hospitalization insurance benefit at the recognized institution**.

2. What is Endowment Insurance?

Comprehensive insurance means that there is both death benefit and maturity benefit; Even if you die, you will be compensated, and you will also be compensated if you live for a certain number of years. The combination of both insurance and returnable accident insurance can not only protect but also manage money, which is amazing!

3. Advantages and disadvantages of China Life Million Ruyi Line.

1. Advantages: The insurance liability is wide, in addition to general accidental injury death or high disability accidents, self-driving cars, official cars, passenger vehicles and aviation accidents or high disability can be highly compensated. If the policyholder chooses the insurance period of 30 years, 115% of the premium paid under this contract will be paid.

If the insurance period is 20 years, 110% of the premium paid under this contract will be paid. Double the claim for special accidents, and give up to 20 times the compensation for aviation accidents with serious consequences. In case of accidental hospitalization, additional subsidy will be provided for each day, and the daily subsidy amount = 2/1000 * basic sum insured * number of days of hospitalization.

During the waiting period, most insurance companies only refund 100% of the premiums paid due to illness or high disability, but in addition to returning the premiums paid, China Life Million Ruyi Line also gives an additional 5% interest, which is also more humane. For example, the 30-year-old Mr. Wan is insured by China Life Million, with an annual premium of 1,680 yuan, paid for ten years, and the protection is up to 30 years, with an average daily premium of only one yuan, and the maximum protection can be 2 million.

2. Disadvantages: Survival return is small, can not resist inflation, take 30 years old, 100,000 insurance amount, pay 10 years for 20 years as an example, the annual premium is 2218 yuan. After 20 years, if Ping An is not out of danger, then the return is only 24,398 yuan, which is equivalent to only earning 2,218 yuan in 20 years.

However, I think that since it is insurance, our focus should not be on returning, but on whether we or our families can bear it after the accident? ）

If the premium is very low, the company does not clearly stipulate that the surrender is a refund of the premium, in general, it is converted into cash value, the delivery time is long, the cash value is high, the delivery time is short, and the cash value is low.

For example, the premium of 2,000 yuan has been paid for one year, and the cash value is only a few hundred yuan.

How about Guoshouwan?

In addition, if you plan to pay for accidental hospitalization medical insurance, the total of these two plans will increase by 1 million, and the role is to be at an accredited institution** after an accidental injury, and you can get accidental hospitalization insurance.

Second, what is double insurance?

Two full coverage policies mean not only death coverage, but also payments due; Even if you die, you have to pay for it; Even if you live for a certain number of years, you have to pay for it.

The combination of two types of all-risk and return-back accident insurance can not only guarantee insurance, but also manage finance. How remarkable!

3. The pros and cons of millions of national players.

1.Advantages: The insurance covers a wide range of accidents, except for general accidental injury death or highly disabling accidents, self-driving, official vehicles, passenger transportation and aviation accidental injuries or highly disabled accidents can obtain high compensation.

If the policyholder chooses the insurance period of 30 years, the insurance premium shall be paid according to 115% of the insurance premium paid under this contract.

If the insurance period is 20 years, it shall be paid at the rate of 110% of the premium paid under this contract.

Double compensation for special accidents, and up to 20 times the compensation for serious consequences caused by aviation accidents.

Accidental hospitalization, daily surcharge, per diem amount = 2 1000 * basic insurance * number of days in hospital.

During the waiting period, most insurance companies only refund 100% of the premium paid for death or severe disability due to illness. But if China Life Wan is willing to return the premium, it will pay an additional 5% interest, which is more humane.

The insurance premium is low and the sum insured is high. For example, when Mr. Wan is 30 years old, if the insurance policy is 1 million yuan, the annual insurance premium is 1,680 yuan for 10 years, and the insurance period is as long as 30 years. The average daily premium is only $1,000,000, with a maximum sum insured of $2,000,000.

2. Disadvantages: The return on survival is small, unable to resist inflation, taking the age of 30, 100,000 insurance amount, and 20 years of insurance payment for 10 years as an example, the annual premium is 2,218 yuan.

If you do not participate in the insurance after 20 years, only 24,398 yuan will be returned, which is equivalent to only 2,218 yuan in 20 years.

Caution should be exercised when surrendering the policy after the cooling-off period. The specific loss depends on the cash value table of the insurance you purchased, and the cash value of the year is the cash value of the year you pay for a few years, which is the money you get back from surrendering.

If you need a more in-depth answer, you can click the link below to receive an exclusive service and ask me if my insurance has not been paid for a year, can I get a refund?

You can also directly open the card and arrange an exclusive senior insurance consultant for you to provide you with long-term service in one minute. We match you with a consultant who is exclusive to you to provide you with free product interpretation, claims assistance, insurance** and other services.

You can get it back, but you can't get it back too much, and you can get it back about 10 percent, and you look at the contract, and the contract says how much residual value is left.

Yes, the premium paid can be refunded. China Life Ruyi Accompanying Insurance provides value preservation and appreciation, that is, 30 years to return the premium paid. In addition to premium appreciation, it can also cover general accidents, death from illness or high disability, fixed payment for accidental hospitalization, passenger traffic accidents, self-driving accidents, and aviation accidents.

Further Information] The coverage of China Life Ruyi Accompanying Insurance includes:

1.For general accident benefit, within 180 days after the contract takes effect and before the age of 70, you will receive 2 times the basic sum assured, and after the age of 70, you will be paid 1 times the basic sum assured.

2.In the case of death due to illness or high disability, the basic sum assured will be paid within 180 days after the contract is effective, and the basic sum assured will be paid after 180 days.

3.Fixed-sum benefit for hospitalization due to accident pays 2% of the basic sum assured every day, up to a maximum of 180 days a year.

4.Self-driving accident benefit, not only can enjoy the death benefit of accidental injury, but also can get an additional 13 times the basic sum assured.

5.Aviation Accident Injury or High Disability Benefit, not only can you enjoy the High Disability Benefit for accidental injury and death, but also get an additional 23 times the basic sum assured.

China Life Ruyi Accompanying Both Insurance is Chinese Life.

The new products launched after the introduction of the general product rate reform policy are more preferential. The product has many characteristics of full coverage, multiple responsibilities, high amount, long period, low premium, and rebate premium. All-round three-dimensional protection for private cars, airplanes, trains, ships, and automobiles, including transportation.

Non-vehicle accidental death and high disability benefits, accidental hospitalization fixed benefits.

National Life Ruyi Travel:

China Life's "Ruyi Accompanying" product introduction.

Who can guarantee: 18-50 years old.

How to guarantee: 5 years, 10 years.

How long: 30 years.

What to keep: See case study.

China Life's "wishful travel" insurance case.

Mr. Wang, 30 years old, applied for China Life Ruyi Companion Insurance Portfolio Plan for himself, and chose to pay for 10 years, with an annual premium of 5,108 yuan.

Insurance benefit: death in aviation accident or severe physical disability: 5 million.

Death in a self-driving car accident or high physical disability: 3 million.

Accidental death or high physical disability of a passenger transport: 3 million.

Accidental death or high physical disability: 400,000.

Death or Severe Physical Disability: 125% of the premium paid

Maturity payment: 125% of the premium paid

Hospitalization for accidental injury: 400,000 yuan (400 yuan a day, a total of 1,000 days).