What is the impact on the coverage of the money returned by the participating insurance every two ye

Solution: Hong Kong insurance premiums are cheaper, the coverage is large, and the claim terms are relaxed. Because Hong Kong is one of the three major financial centers in the world, Los Angeles in the United States, London in the United Kingdom, and Hong Kong in Asia.

Therefore, you can enjoy lower premiums and higher returns when applying in Hong Kong. At the same time, most of the world's multinational insurance companies operating insurance business in Hong Kong, coupled with Hong Kong's complete legal system and strict supervision by the British legal system, all provide policyholders with a high degree of integrity and comprehensive protection. 1. For the insured of the same age, the Hong Kong premium is usually 60%-70% of the domestic policy2. If it is a critical illness, more diseases are covered, and 52 kinds of early-stage critical illnesses are also covered, and the coverage is more comprehensive.

3. After five years of the policy, the value has been higher than that of the domestic policy. What does this mean? Illustrate two....

There are generally two ways of participating insurance, one is dividends, and the other is a survival return every year or period.

You're talking about survival returns, and taking them out every year has no effect on your sum insured.

Of course, it depends on the type of insurance you have, for example, if you don't take the survival rebate, some companies may accumulate interest and give you interest, but there is no interest tax.

The receipt of the return of the survival fund has no impact on the guaranteed benefits, but it has a significant impact on the account value!

Summary. Dear, the answer to this question is: the insurance dividends are taken out, and there is no impact on the insurance.

If you are insured with a dividend-paying insurance, at the end of the year, the insurance company will pay dividends, you can take out the dividends, which does not affect the insurance protection responsibility at all, but if you do not take it, the dividends will be paid to the universal account, and the universal account will generate interest.

And dear, if you still have any questions that you don't understand, you can always ask me questions!

Does taking out insurance dividends have any impact on insurance?

Dear, the answer to this question is: the insurance dividends are taken out, and there is no impact on the insurance. If you are insured with a dividend-paying insurance, at the end of the year, the insurance corporation will pay dividends, you can take out the dividends, which does not affect the protection responsibility of the insurance at all, but if you do not take it, the dividends will be paid into the universal account, and the universal account will generate interest.

And dear, if you still have any questions that you don't understand, you can always ask me questions!

Insurance dividends belong to your rights and interests, and you take out the money without any impact on the insurance contract and the content of the insurance. But you can also choose not to take it, if you don't take it, it will split your dividends into the universal account, and the universal account will have interest, similar to savings. You can choose to take dividends or not dividends according to your actual needs.

Insurance dividends can be withdrawn halfway through. According to the regulations of the insurance company for each fiscal year.

At least one dividend performance report should be sent to policyholders, which includes the current year's earnings and distributable earnings. What is distributable is what can be taken out.

Participating insurance. There are 4 ways to receive dividends: cash payment, accumulated interest, premium payment, and purchase payment increase. If the policyholder chooses to receive the cash dividend, the policy can go to the insurance company to receive the cash dividend after the policy bonus date.

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I've been buying it for four years, and now I don't want to buy it, can I take it out?

As long as the insurance is still within the coverage period and all the dividends are withdrawn, the insurance is still valid.

Dividends mean that the insurance holder can share in the operating results of the insurance company, and has the right to receive a dividend distribution based on the operating results of the insurance company every year. Dividends do not necessarily have to be received during the holding period, some products also support receiving dividends once a year, according to the way agreed in the insurance contract, so as long as the insurance is still within the protection period, even if all the dividends are taken, the insurance is still effective.

If you have not received the dividend after the expiration of the insurance, this part of the dividend will automatically enter the universal account, and you need to handle the collection of the universal account.

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Yes, participating insurance can be claimed when it expires.

1. If the participating insurance has expired and needs to be collected, the policyholder or the insured should bring the policy, ID card and bank card to the insurance company's offline service outlets to collect it. When the coverage expires, you can get back the paid premiums with full and unclaimed bonuses and pure rotten survival funds.

2. If the participating insurance is paid with premiums instead of the expiration of the insurance, and there are dividends or survival funds received, the policyholder or the insured can also go to the offline outlets of the insurance company to handle it. This is the survival benefit that can be received in the current year, or you can choose not to receive it and put it into the insurance company to accumulate interest.

3. Participating insurance has dividend distribution, but it is not fixed according to the actual operating conditions of the insurance company, and the dividends can be obtained by receiving it as agreed, accumulating interest and paying premiums. Therefore, if you want to receive it, you can choose it yourself, or you can change the method of receipt in the future.

Dividend insurance itself is uncertain, guess the general dividend insurance, the annuity returned every year is very low, and the dividend is very small at first, the dividend is slightly more when it is at least 35 years later, but it is only for a period of time, not a long term, after the peak of dividends, the family will go all the way down, and the dividends are very few. Therefore, it is impossible to get back the principal and dividends in 20 years, because the two combined principals have not been returned, ** return to principal + dividends? The insurance itself will not deceive people, and the salesmen who deceive people are for their own selfishness, exaggerate the product, mislead customers, and finally when they can't get it, they will feel that the insurance is a fraud.

As long as you don't take out the money inside, the money inside will be compounded with interest every day, and there will be unexpected surprises after the time difference! When buying insurance, please read the terms of the insurance carefully, don't blindly listen to what comes out of other people's mouths, no matter how well you say it, the terms of the contract are not written, it is equivalent to saying it in vain!

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

Summary. Not necessarily, participating insurance may not be fully refunded after 10 years. It depends on the specific type of participating insurance.

If it is a pure participating insurance, the cash value is relatively high, and it may be returned in full after the expiration of the payment, and after 10 years, it is also necessary to see the survival fund and whether there is a universal account, because the surrender of the participating insurance is a refund of the cash value and the unclaimed survival fund and dividends, if there is a universal account, the refund is the cash value and the value of the universal account, after 10 years, if the cash value is higher and the return ratio is high, it is possible that the money that can be refunded is consistent with the premium paid. If the participating insurance has additional critical illness, it can provide both protection and financial management, and the cash value is usually not high, if it has been paid for 10 years, the cash value is much lower than the premium paid, and the full refund cannot be realized. If there is a return responsibility in the participating insurance, it will be returned only when the age of return is required, and the immediate premium has been paid for 10 years and cannot be returned in full, after all, the participating insurance has only been paid for 10 years, and the protection is still continuing.

Hello dear! No, you cannot.

Not necessarily, participating insurance may not be fully refunded after 10 years. It depends on the specific type of participating insurance. If it is a pure participating insurance, the cash value is relatively high, and the state may return the full amount after the expiration of the payment, and after 10 years, it also needs to look at the survival fund and whether there is a universal account, because the surrender of the dividend insurance is the cash value and the unclaimed survival fund and dividends, if there is a universal account, the cash value and the universal account value are refunded, after 10 years, if the cash value is higher and the return ratio is high, it is possible that the money that can be refunded is consistent with the insurance fee.

If the participating insurance has additional critical illness, it can provide both protection and financial management, and the cash value is usually not high, if it has been paid for 10 years, the cash value is much lower than the premium paid, and the full refund cannot be realized. If there is a return responsibility in the participating insurance, it will only be returned when it is insured to the age of return, and the immediate premium has been paid for 10 years, and it cannot be returned in full, after all, the participating insurance has been paid for 10 years and the premium is only paid, and the protection is still continuing to rise.

Whether the participating insurance will be returned depends on which kind of participating insurance you buy. If the participating insurance you have purchased does not include the "maturity insurance" liability, it will not be returned, and will only provide policy dividends and other prescribed insurance liabilities. However, if there is a "maturity premium" liability in the participating insurance policy, then it can be returned.

For example, Pearl River Life's participating annuity insurance can return the premium paid at the end of the insurance period as maturity insurance. Of course, this is provided that the insured does not have an accident during the insurance period.

New arrival! Pearl River Hongyun Lianlian Annuity Insurance (Participating Type) Protection Responsibility is a big doxxing!

When it comes to participating insurance, policy dividends are also an issue that everyone needs to pay attention to. Because many people think that if they buy dividend insurance, they will definitely get dividends. But no, the policy dividend itself is not a fixed number. Insurance companies also do not promise to provide dividends every year.

About the participating insurance, what the salesman will not tell you.

What is the difference between participating insurance, universal insurance, and increased whole life insurance? Which one is the best deal?

This mainly depends on which aspect you focus on, and the general return to capital is pure protection, focusing on protection functions. The addition of dividends comes with the function of investment and financial management, so the amount of protection for the same premium will be relatively low. If you value the trembling protection function, choose the former, and if you want to take into account investment and financial management, and like dividends, choose the latter.

The choice of critical illness insurance is given priority to companies with strong strength, strong solvency, fast claim settlement, and protection in the future. Secondly, the cost performance of the product must be high, and the types of diseases guaranteed must be relatively rich. Accidental death and high disability should also be covered.

I recommend Chinese Shou's Kangning Life and Ruixin both. The former is pure protection, guaranteed for life, and is the first health insurance in China, with the highest market share and the highest cost performance, about 5% cheaper than similar products on the market. The latter comes with dividends, which are returned once every 3 years, and the dividends and returns can be converted into disease protection, which is more flexible, and returns 3 times the basic sum insured at the age of 80.

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

Depending on what your original agreement was, if you accumulate interest, you can not take it, and it will not affect the interest of the policy.

If it is not very necessary, it is recommended that you do not withdraw the dividends. At present, the dividends of various life insurance companies can be accumulated to earn interest.

There is no need to withdraw it, your dividends are added to the principal amount to calculate the interest for the next year (except for the fixed vested interest).

It is recommended that you do not take it, and the interest will roll over more and more if you put it in, just like savings.

You have to look carefully at the terms of the insurance wording. Whether there is a clause for the accumulation of dividends, and if so, look at the interest rate regulations for accumulation. If the contract is not clear, you can call the insurance company's consultation** and ask.

Dividends do not affect the benefits of the policy, nor will they become less and less, and they will only increase if they do not take them. As for whether to take it or not, it depends on what you take it out and do for yourself? If you just take it out and deposit it in the bank, there is no need for it.

1.For some products, the sum assured is the lesser of the cash value of the policy and the premiums paid, and the policy dividends will have an impact on the payout after the insured event.

2.The uncertainty of dividends is seen year by year, and the dividends that have been distributed to the insured's account will not be reduced due to the company's poor management.

3.There are two types of dividends: accumulated interest and cash payment, and it is recommended to refer to the detailed provisions of the insurance contract. You can also report the policy number and consult the customer service staff of the insurance company. It doesn't have to be interested.

4.If the policy is the first case, or the dividends can accumulate to earn interest, it is not recommended to claim it halfway if there is no urgent need.