Advantages and disadvantages of Ping An Magnum Wealth Life B2004 Life Insurance. 5

I'll give you some vernacular for reference.

1. The advantage is that you can pay as many years as you want, and you can pay every few years if you want to pay every few years, and the policy is valid. However, the premise is that you must have enough expenses deducted by the insurance company in your insurance account, including initial fees, protection costs, and policy administration fees. Ping An's product has the highest initial charge of 60% in the first year, 40% in the second year, 15% in the third year, 10% in the 4th to 5th year, 6th to 10th year, and the 11th year and subsequent policy years.

This percentage is the base of 2,000 yuan you pay each year multiplied by the percentage.

The disadvantage is that the initial fee is too high, hehe.

2. If you withdraw from the two years that have been paid, the maximum will be 2,000 yuan. It also depends on the age of the insured, the older the age, the less money will be refunded.

3. In fact, to do education insurance, Ping An's Angel Baby is not an ideal product.

The three-year return is only 8%, and the sunshine has a three-year return of 15%, and the one of life feels more cost-effective. Hehe.

4. Don't surrender the policy. I'm going to pay it to my daughter for a few years, and then I don't care about it, I will pay it if I have money, and I will delay it for a few years if I don't have money. My daughter bought it from the age of 0, and now she has paid it for 2 years, with an annual payment of 3000.

A few colleagues (I am now also in the insurance company) helped me calculate, and if I don't pay it after six or seven years, I won't lose anything. Just save money.

There is no such thing as exchanging goods for insurance products, only surrender. So you will lose at least half of your money.

Universal insurance, including the universal insurance of all insurance companies, is divided into two parts: regular payment and retroactive payment, and there is a certain percentage of rewards for the retroactive part, which are all lifelong payments, and there is no 3 years or 10 years.

Let's talk more about universal insurance, universal insurance is hyped up in various **, is universal insurance really universal? Is it really the same as it says? Does it mean that the insurance premium is flexible, and it can be paid for three or five years, but there is no such thing as insurance, why?

In other words, if the payment is flexible, it is not insurance, but should be called saving money, to the bank survival period, want to save it, don't save if you want to, save for three years if you want to, save for five years if you want to save for five years, this is called flexibility. As you know, there is no such thing as a free lunch.

I also heard that you can receive freedom, for example: you go to the bank to deposit a five-year fixed term, of course, you have the right to withdraw in advance, this is called the freedom to receive, but your interest can only be calculated according to the current interest rate, which is the loss I bear. The receipt of insurance is completely different from that of the bank.

Universal insurance, if you have a lot of money, you can consider it; If not, be cautious, or you'll end up saying "insurance is a lie".

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that in this industry, everyone has three recognized sentences, which are such as "brand in life", "Ping An talents" and "Xinhua products".

Regarding the principle of insurance, it should be noted that:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

In fact, there are still many things to pay attention to, be sure to pay attention to every detail, and the above hope can help you.

Well, if you need it, you can buy it, and it's best not to return it.

Zhifu Life B is a very good type of insurance, and it has long been discontinued.

1: The payment period is indeed lifelong, don't be afraid, because this insurance stipulates that as long as the policy value is enough to cover the cost of the insurance group's limb disability, the contract will not be terminated, that is to say, you can stop paying the premium, and it is recommended that the total amount of 10 years should be paid.

2: Universal insurance will have a statement every year, if you do not receive it, you can call 95511 to ask the company to send the statement and deliver it every year in the future, which can also immediately inquire about the current status of the policy.

3: If the basic insurance amount is 10,000 yuan, don't be afraid, as long as the previous premium is paid, you can apply to the company at any time to increase the amount of insurance, generally 20 times to 40 times the regular premium, which depends on how much you think you are worth.

4: Fortune Life provides additional critical illness insurance, as long as the premium is paid on time, you can also apply for additional critical illness in the future, and the protection is also lifelong. The sum insured for critical illness should be less than or equal to the sum insured for the main insurance.

This type of insurance has a better financial management effect for people under the age of 45 than dividend insurance. Partial cash value can be collected, and customers can use this to supplement their retirement functions.

5: If you have limited financial ability, you can temporarily skip paying, and if you pay again in the future, you must make up for the missing year's premium. It is not advisable to surrender the policy, you can just leave it for two or three years.

The advantage of paragraph B is that payout = basic sum insured + cash value. Partial claim, the basic sum assured remains unchanged.

The disadvantage of paragraph A is that the payout = the greater of the basic sum assured and the cash value * 105%. Partial claim, the basic sum insured is reduced by the same amount.

Looked at your additive instructions. Regarding the repeated insurance of Zhifu Life and Zhiying Life, I can tell you very clearly that this is an illegal operation and an extremely irresponsible practice for customers. These two are basically one type of insurance, and Zhiying Life is what I call universal A.

The so-called premium interval collection is nonsense, no insurance company will operate like this, I don't believe you can call 95511 to ask you about the status of your two policies, there must be one in the abnormal payment state.

Supplement. 1: It will affect the income, and the original Zhifu B can be used for additional premiums, and there is no need to apply for additional insurance.

2: Explained.

Again, Zhifu Life B is very good, but unfortunately I can't buy it. But the nature of duplicate insurance is very bad, and this person is no longer worthy of your trust. If you have any questions, you can consult the company, or go to each store to do it yourself.

Ping An Insurance Company has started to set up an online account, and customers will be able to make advanced changes at home in the future after applying for advanced permissions.

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