How to pay dividends to Pacific Insurance Jinxiang Life Whole Life Insurance Dividend

Hello. Pacific Gold Whole Life Insurance (Pacific Gold Life Happiness Insurance Plan).

Product features: 1. Worth protection, health protection increases year by year.

2. The old are supported, and the annuity can be converted at will.

3. Dividends are received, and the annual dividends are added.

Product Introduction: Issue age: 30 days old to 60 years old.

Period of Insurance: Lifetime.

Payment method: single payment, 5 years, 10 years, 15 years, 20 years.

Benefits: 1. Death insurance or total disability insurance

If the Insured suffers death or total disability as a result of an accidental injury, or after 180 days of death or total disability due to a cause other than the accidental injury:

If the insured person is under the age of 18, we will pay the death benefit or total disability insurance benefit at the rate of 110% of the amount of insurance premiums paid, and this contract will be terminated.

If the insured person reaches the age of 18, we will pay the death benefit or total disability insurance benefit according to the amount of insurance in effect at the time of death or total disability, and this contract will be terminated.

2. Critical illness insurance benefits:

If you suffer from the 35 major illnesses agreed in the cooperation, the premium paid will be settled within 180 days; After 180 days, the basic insurance amount is claimed, and the contract is terminated.

3. Dividend distribution:

There is an annual dividend distribution every year, and there is a final dividend distribution at the time of contract settlement.

4. Annuity conversion:

Add color to 10,000 years of life.

Sum Insured & Premium Demo:

The insured pays for 20 years, the basic insurance amount is 100,000 yuan, and he chooses to receive a conversion annuity at the age of 85.

The premiums for different genders and the duration of application are as follows:

Insurance period: 0 years old, 30 years old, 40 years old.

Male 2150 yuan a year, 3830 yuan a year, 4750 yuan a year.

2030 yuan for women, 3600 yuan for 4500 yuan.

Insurance case: Mr. Jin, 30 years old, works in a company, has a successful career and a happy family. Insure yourself with 10 copies of "Golden Life Whole Life Insurance (Dividend)" and "Additional Golden Life Early Payment Critical Illness Insurance", with the basic insurance amount of the main insurance being 100,000 yuan and the annual premium of the main supplementary insurance being 3,830 yuan, which will be paid in 20 years.

After taking out the insurance, they enjoy the following insurance benefits:

1. Death or total disability benefit: death within 180 days, premium paid + final dividend; In the event of death after 180 days, 100,000 yuan + accumulated dividend sum insured at that time + care payment, and the main insurance contract and supplementary insurance contract will be terminated.

2. Critical illness protection: If Mr. Jin is diagnosed with the critical illness listed in the supplementary insurance contract for the first time within 180 days, the premium paid + final dividend will be paid; 180,000 yuan will be paid after the diagnosis+the accumulated dividend sum insured at that time + care payment, and the main insurance contract and additional insurance contract will be terminated.

3. Dividend distribution:

According to the medium dividend level, the accumulated dividend sum assured will reach $41,734 at the age of 80, if this happens.

In the event of an insured event, the beneficiary will also receive a care fund of 106,300 yuan.

Good luck.

If the participating type of Golden Life Whole Life Insurance determines the dividend distribution, the insurance company will distribute the dividends according to the agreement, including annual dividends and terminal dividends.

Ultra-complete! Everything you need to know about insurance is here.

After reading the security map, let's go deep into the ** wave with the senior sister

1.Flexible payment terms.

Golden Life Whole Life Insurance (Participating Type) has 5 payment terms, namely single payment, 5 years, 10 years, 15 years and 20 years, the more choices of payment terms, the more people can be provided with the opportunity to insure themselves, and it will not bring excessive payment pressure to everyone.

Golden Life Whole Life Insurance (Participating) is said to be very good? I don't think so.

2.The waiting period is long.

The waiting period for Golden Life Whole Life Insurance (Participating Type) is 180 days, that is, the insured has no protection for nearly half a year! Compared to those whole life insurance plans on the market with only a 90-day waiting period, this product is indeed slightly inferior.

Moreover, we must know that the shorter the waiting period, the sooner the insured can enjoy the protection, if it is really unfortunate to be insured during the waiting period, the insurance company will not bear the corresponding insurance liability.

Top 10 Life Insurance Worth Buying!

Insurance with dividend liability mainly depends on how the insurance company uses the income of the insurance money investment to determine the dividend, so the dividend is uncertain, there may or may not be, it is zero income, so I generally do not recommend buying, after all, we buy insurance to have a certain protection, uncertainty can only be icing on the cake, but the premise is that this part of the complaint can not become your expense burden. If there is an insurance consultation, pay attention to the message at any time.