How to calculate the surrender of China Life Xin Keppel Annuity Insurance

The surrender of China Life Xin Keppel Annuity Insurance is calculated in this way

The insurance is a cooling-off period that starts on the first day of your insurance policy. There is a 15-day cooling-off period, within which the policy can be surrendered in full.

However, after exceeding, he can only return the cash value, which is shown on his contract. How many years have you surrendered the policy? Then you just have to find the cash value for the first few years.

If China Life Keppel Annuity Insurance is surrendered during the hesitation period, it can be surrendered in full, and there will be basically no loss, but if it is surrendered after the hesitation period, the insurance company will surrender the policy to everyone according to the cash value.

How about Chinese Life's Xin Ji Bao annuity insurance? Is the yield high? Is it worth buying?

1.Guaranteed content analysis.

According to the terms, the protection content of Xin Jibao annuity insurance includes special care money, annuity and death insurance benefit, of which the special care fund is stipulated as follows: on the first year effective date after the contract has been effective for five policy years, if the insured is still alive and chooses to pay in 3 years, 60% of the first premium of the contract will be paid, 80% of the first premium of the contract will be paid if it is paid in 5 years, and 100% of the first premium of the contract will be paid if it is paid in 10 years.

In the case of annuities, the insurance company will pay 100% of the basic sum assured from the 6th policy anniversary until the expiration of the insurance period, if the insured is still alive.

In addition, in the unfortunate event that the insured passes away during the benefit term, the insurance company will pay the greater of the difference between the premiums paid and the annual payment paid and the cash value.

Learn this trick and stay away from the 99% pit of annuity insurance.

2.Magna account analysis.

The universal account of Xin Jibao annuity insurance can choose whether to attach or not, and the guaranteed interest rate of the universal account of this product is, in fact, such a ratio is relatively common in the annuity insurance market, after all, there are many excellent annuity insurance products, and the guaranteed interest rate can reach or, or even 3%!

Compared with these products, the guaranteed interest rate of the universal account of Xin Jibao annuity insurance is indeed a little insufficient, and it cannot allow the insured to get higher returns!

Don't worry, there are many excellent annuity insurance products on the market! Like these:

Top 10 Financial Insurance Rankings Want to buy high-yield financial insurance? Don't miss out on these 10 again!

Summary. China Life Xinxibao annuity insurance can be refunded for about 10,000 2 after five years. China Life Xinxibao surrender is returned to you according to the cash value, if you are the fifth year of surrender, you can refer to the cash value in the following chart.

However, the return on the cost of this product you buy is relatively fast, and the total survival income in the 8th year of the policy will exceed the premium paid, and the return on the principal will not be caused by surrender in the 8th year and later. However, if you surrender the policy before then, the loss will be relatively large. For example, if the policy is surrendered in the second year, only the cash value of the policy will be refunded, and the accumulated premiums paid in the current year will be $200,000, so it will cause a loss of $6,000.

Surrender in the fourth year will result in a loss of $61,000.

I paid for five years, 20,000 yuan a year, and paid for two years, and now I don't want to pay, how much money will be deducted for returning the principal.

China Life Xinxibao annuity insurance can be refunded for about 10,000 2 after five years. China Life Xinxibao surrender is according to the cash value to return to you, if you are the fifth year of surrender, you can refer to the cash value of the following picture. However, the return on the cost of this product you buy is relatively fast, and the total survival income in the 8th year of the policy will exceed the premium paid, and the return on the principal will not be caused by surrender in the 8th year and later.

However, if you surrender the policy before then, the loss will be relatively large. For example, if the policy is surrendered in the second year, only the cash value of the policy will be refunded, and the cumulative premium paid in the current year is 200,000 yuan, which will cause a loss of 6,000 yuan. Surrender in the fourth year will result in a loss of $61,000.

Can the principal and interest be refunded in a lump sum after five years of payment?

This insurance. Is there a risk?

There is no way to do this, the percentage of refund is different for each insurance, and this needs to consult the platform's surrender rules.

This insurance is quite reliable.

Oh. I'm afraid that I won't be able to get back the principal by then.

The rules are different for each insurance company and the type of insurance for each company.

This post is also involved.

I don't understand what you mean by that.

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.

Dear, hello, if you surrender the policy, you can only refund 30% 70% of the premium, and the specific amount of refund can be known by looking at the cash value table of your policy.

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. If it is an insurance product purchased on the policy, then it is generally possible to surrender the policy directly.

Summary. If you want to surrender the insurance after paying for one year, how much percent of the principal can be returned? That's a very good question, and many friends are consulting him.

If you surrender the policy after one year, you can only refund the cash value, deducting a series of fees such as account management fees, commissions and liquidated damages. Only 30% and 70% of your insurance will be refunded.

If you want to surrender the insurance after paying for one year, how much percent of the principal can be returned?

If you want to surrender the insurance after paying more than a year of Guoshou Xinsen Que Xibao Annuity Insurance, how much percent of the principal can be returned? That's a very good question, and many friends are consulting him. If you surrender the policy after one year, you can only refund the cash value, deducting account management fees, commissions and liquidated damages.

Only 30% and 70% of your insurance will be refunded.