Can Ping An Life s new 100 guardian really get a refund of premiums?

Guardian 100% is a returnable critical illness insurance under Ping An Life, which consists of comprehensive insurance and additional critical illness insurance provisions. Guardian 100% survival at maturity and a refund of premiums. If the insured survives to the age agreed in the insurance contract and does not make a critical illness claim, the insurance company will refund the premium paid.

After return, the critical illness death benefit will continue to be effective. The insurance contract explains the maturity survival benefit as follows:

1. If the main insurance contract is attached to the prepayment critical illness insurance contract, and the insured is still alive at the expiration of the insurance period, the survival insurance premium shall be paid according to the sum of the annual premium paid by the principal insurance contract and the early payment critical illness insurance contract multiplied by the agreed payment period, and the main insurance contract shall be terminated.

2. If the main insurance contract is not attached to the prepaid critical illness insurance contract, and the insured is still alive at the expiration of the insurance period, the survival insurance money shall be paid according to the amount specified in the summary table of the main insurance benefits of the main insurance contract, and the main insurance contract shall be terminated.

It can really be refunded, but it must be carried out in accordance with the relevant regulations in order to return the premium smoothly, and the specific new policy will be paid attention to at any time.

Large company brand, many service outlets.

Guardian 100% Critical Illness Insurance is a critical illness insurance launched by Ping An Life Insurance Company, and I believe many friends have heard of Ping An Life's signboard, which is a long-established insurance company with a long establishment time and a very mature service system and process.

As of the end of 2020, Ping An Life had a registered capital of RMB 33.8 billion, 42 branches, more than 3,300 business outlets, and a nationwide service network, providing customers with full-cycle life insurance products and services.

Flexible coverage periods.

In terms of the protection period, you can choose to protect up to the age of 60, 70, 80, and life, which is very flexible.

However, compared to other critical illness insurance products on the market, it seems a bit insufficient, after all, most critical illness insurance products on the market have multiple options.

Extended Material: Cons):

Moderate illness benefit is missing, and mild illness benefit needs to be added.

We all know that the insurance is a very important link between mild illness and serious illness, and it is a pity that Ping An, as a large company, still does not put moderate illness on the agenda.

In addition, mild illness protection is not self-contained, it needs to be extra, otherwise it will not be covered, mild, moderate, and critical illness is the most basic protection of critical illness insurance, which is a pity if it is not done well.

Guardian 100% Critical Illness Insurance is a returnable critical illness insurance that consists of comprehensive insurance + additional critical illness insurance clauses. The protection responsibilities are simple, including only critical illness and death benefits.

However, this critical illness insurance can return the premium at maturity, but the premium is high, and the 30-year-old man insures 500,000 yuan, which is much higher than the same type of critical illness insurance products in the same period. For working families who are looking for comprehensive protection, or who have a limited budget, 100% Guardian may not be a good fit.

Extended information: It can be seen that the protection of the main insurance (both insurance) is the protection of death benefit and maturity survival benefit, and the death benefit of this product is the standard level of similar products, which is needless to say, but the maturity survival benefit of the product is only 100% of the total premiums paid, that is to say, it is only the premiums paid in these years that are returned after decades, and according to the current trend of inflation, only 100% of the total premiums paid will definitely be lost, and even "return to principal" can not be done. The maturity survival benefit of many comprehensive insurance products on the market can generally be given 110%-130%, and an additional amount can be paid as the loss of premiums due to inflation in these years.

Therefore, the performance of the 100% maturity survival fund is a bit poor, and it is very likely that it will not be able to fully return to the capital.

Ping An is a large company, its return is guaranteed, I am not long ago to buy Ping An Life's 100% guardian, buy insurance this thing, although many people mention insurance to think of sales disgust, but it also depends on what kind of insurance, I think the protection of 100% this is good, it is indeed a guarantee for the future of the elderly, in short, whether you are born or not, you have to enjoy the maximum return. After the expiration of the survival period, you can also receive a survival fund, that is, the sum of the fees you paid before, for us ordinary people, who can guarantee that there is no accident, buy one to buy yourself a guarantee and peace of mind, even if you reach the age of survival, you can receive a survival fund, it is also very helpful for our old life, you can reduce the burden on your children, after all, I am 46 years old, and I will enter the old age for another 10 years.

Yes, but does it really make sense to return the principal after decades?

In the insurance contract, the insurance company usually needs to deposit a certain amount of liability reserve in order to fulfill the contractual obligations, and when the insured requests to terminate or surrender the policy for any reason within the validity period of the insurance, the insurance company will return the balance of the liability reserve minus the deduction of the cancellation to the insured according to the regulations, and this part of the amount is the cash value of the policy. Of course, the cash value of the original guard is still relatively high, and the cash value should be higher than the premium when the survival fund is received, so the policy can still be surrendered after receiving it, but it is not better to have protection.

The survival fund is returned according to the contract, and if there is no conflict between the receipt of the survival fund and the surrender of the policy, the survival fund can be surrendered after receiving it. After the cooling-off period of the insurance contract, the surrender of the policy will be based on the cash value of the contract at the time. The insurance company needs to handle the surrender of the policy, and the receipt of the survival fund is the right and interest of the insured, and the two are different.

The survival insurance money accumulated in the insurance contract can be withdrawn in the current year, but there will be a certain amount of financial loss. Survival insurance refers to life insurance that takes the survival of the insured as the condition for the payment of insurance benefits. That is, when the insured is still alive at the expiration of the insurance period or when he reaches the age agreed in the contract, the insurer is responsible for paying the insurance benefits.

Survival insurance is mainly to provide old-age security for the elderly or education funds for children. Therefore, survival insurance is mainly based on savings, also known as savings insurance.

Surrender can be divided into hesitation period surrender and normal surrender.

1. Surrender during the hesitation period: The surrender during the hesitation period refers to the surrender of the policy during the hesitation period agreed in the contract. Generally, insurance companies stipulate that the policyholder has a cooling-off period of 10 days after receiving the policy. Usually, the insurance company will refund the entire premium after deducting the cost of production.

2. Normal surrender: Surrender beyond the hesitation period is regarded as normal surrender. Policies that have received insurance benefits are not eligible for surrender.

Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the life insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application. The cash value of a policy is the amount of money that can be returned in the event of termination or surrender of the life insurance contract.

Of course, the cash value of the original guard is still relatively high, and the cash value should be higher than the premium when the survival fund is received, so it is okay to receive it, but it is not better to have protection.

If you want to surrender the policy at any time, assuming that you surrender the policy during the cooling-off period, you can surrender the policy in full, if you pass the cooling-off period, you can only refund the cash value of the policy. As long as you can afford it, it is not recommended that you surrender the policy.

It is your right to surrender the policy, and you can surrender the policy at any time, but there will be losses, so it is not recommended to surrender the policy.

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 surrender the policy, but only the cash value of the insurance.

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.

After paying the premium for 2 years, more than 8,400 yuan, and I want to surrender the policy in the third year, how much can I get back?

About 4500 yuan.

The exact amount of money to be refunded depends on the cash value table of your insurance to know.

The cash value of the policy is a cash value table on the paper policy. The collapse of the cash value refers to the part of the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract. In general, it can be simplified as:

Cash value of the policy = premiums paid Management expenses apportioned amount Salesman's commission Net premiums required for the insurance company to bear the insurance liability of the policy Interest accrued on the remaining premiums. The specific figure will be given by the die slag insurance company for the year with a clear cash value table.

Now the insurance company will refund 1200

Because surrender is only the cash value.

Of course, there is also a way to surrender the policy in full.

For example, when you buy insurance, does anyone give you money back? Did you sign it for you? Is there a return visit**.

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

Ping An Insurance Guardian is 100% paid, and 20%-25% can be refunded after two years of surrender. Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "Ping An of China", "Ping An Insurance", "Ping An Insurance Company", "Ping An Group") was born in Shekou, Shenzhen in 1988, is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating financial and insurance, banking, investment and other financial services.

Ping An Insurance guards 100% how much money can be refunded after paying the surrender for two years.

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

Ping An Insurance Guardian is 100% paid, and 20%-25% can be refunded after two years of surrender. Ping An Insurance (Group) of China (hereinafter referred to as "Ping An of China", "Ping An Insurance Company", "Ping An Group") was born in Shekou, Shenzhen in 1988, is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating financial insurance, banking, investment and other financial services.

100% Guardian is a comprehensive critical illness insurance launched by Ping An Life in April 2020. Its main insurance is a product that can be combined with critical illness protection, so that multiple benefits can be achieved in one policy. In addition, the insurance age of 100% protection is 0-55 years old, the insurance period is lifelong, and the waiting period is 180 days.

Summary. Kiss. Hello, happy to answer this question for you. If Ping An Insurance protects 100% surrender, 30% to 40% of the premium paid will be refunded.

Kiss. Hello, very happy to answer this question for you. If Ping An Insurance protects 100% surrender of the policy, it can refund 30% to 40% of the premium paid.

I paid 34000 in two years

If you have paid 34,000 yuan in two years. Then you can return 7,000 yuan to 8,000 yuan.

Retreat so little. Because if you buy this Ping An Insurance Guardian 100% insurance, if you pay for two years, you will surrender the policy. If you are planted with the Min Cong, I will refund you according to the cash value of the first two years.

The cash value in the second year was particularly small.

That's for sure, because you're surrendering, you're in default, and you're giving you a refund based on the cash value.

It is possible that the cash value of your second year of insurance is not so high, and the money you can get back is even less.

It's too pit, pay 16,700 a year for 300,000.

If you don't surrender the policy, you can get a higher return, and if you surrender, you can only get a small amount of money back.