Anyone who has entered Taikang Life s winning life, I want to enter, give me an analysis, thank you

Hello, this type of insurance is a type of insurance that our company has recently listed, with additional universal insurance, which is a compound interest value-added function to maintain and increase the value of wealth; The second is the high-frequency return of survival funds, which can be used for life planning such as education, pension, and wealth inheritance. If the insured dies, the universal account will also be used as a claim to the beneficiary, and the policyholder can also be attached to the responsibility of premium waiver.

1) Special education payment: If the insured is insured between the ages of 0 and 15, and survives when the insured is 18 years old, 19 years old, 20 years old, and 21 years old, the special insurance payment is 20% of the sum insured.

2) Survival money: 10% of the sum insured before the age of 60 and 30% of the sum insured after the age of 60.

What we offer.

Sum Insured The amount of insurance under this contract shall be agreed between you and us at the time of application and shall be stated in the insurance policy.

Death of a minor.

Limits on insurance benefits.

For life insurance for minor children, the total amount of death insurance benefits paid due to the death of the insured shall not be maximized.

If the limit stipulated by the insurance regulatory authority is exceeded, the total amount of death insurance benefits shall not be exceeded. Limits.

Insurance Period The insurance period of this contract starts from 0:00 on the effective date of this contract and ends on the expiration date of the insurance period specified in the insurance policy. Target.

Hours. Insurance Liability During the insurance period of this contract, we assume the following insurance liabilities:

Special education grants.

If the insured person's policy age is in.

Arrive. between the ages of age (inclusive) and the insured persons are respectively at the age of age.

And. After the first year of this contract, the corresponding date of the effective date of the first year of this contract, we will live according to the amount of insurance.

20% toward. The beneficiaries of the survival insurance benefits shall pay special education benefits separately.

Survival insurance benefits.

From the effective date of this contract until the expiration of the insured.

This contract shall come into force for the first year after the age of one.

Before the date (excluding the date), the insured survives on the corresponding date of the effective date of each year of this contract, i.

We are based on the amount of insurance.

10% of the survival insurance benefits are paid to the beneficiaries of the survival insurance benefits;

Since the expiration of the insured's age.

From the date corresponding to the first year of this contract after the first year of age (inclusive) to the expiration of the insured.

The insured shall survive on the corresponding date of the first year of this contract after the first year of this contract (including the date), and we shall calculate the amount of insurance.

Survival insurance benefits are paid to the beneficiaries of survival insurance benefits.

If the insured person is at the age of age.

We guarantee that the first year after the date of entry into force of this contract will survive.

Survival insurance benefits are paid until the insured reaches the age of majority.

The date of entry into force of this contract for the first year after the first year of age (inclusive).

If the insured dies during the above-mentioned guaranteed payment period, we will pay the beneficiary of the survival insurance benefit.

The lump sum payment of the total amount of survival insurance benefits that have not been received during the period is:

Since the death of the insured.

to the end of the insured's age.

The first year of this contract after the first year of the year.

Hello, it's true 1, Chang Win Life is a shouting annuity insurance, I personally think it is very suitable for people under the age of 30 to buy, 60 years old to envy the chaos before the annual return of 10% of the amount of insurance, 60 years old brother with 30% of the amount of insurance every year, back to 99 years old. 2. But now it seems that it has been discontinued 3, the new Xin Xiang life is also very good, it is 10% of the sum insured before the age of 60, 20% of the sum insured is returned every year after the age of 60, and all the premiums paid are returned after the age of 80.

Taikang Life Win Life Insurance, No Refund of Principal?

Hello dear, happy to answer for you. You can get the principal back! In the general sense, the insurance company will refund the policy according to the cash value.

Since there is a large gap between the cash value and the total premium, the consumer loses a lot! The landlord's insurance should belong to the participating insurance, and if the policy is surrendered, the loss will not be small. Therefore, the key is to pursue a full surrender, that is, to get back the full premium.

However, it should be noted that full surrender has a certain degree of professionalism in practice, and even if you find a lawyer, you will lose more and win less. The situation did not improve until the professional service of providing full surrender of the insurance policy. So how to achieve full surrender, the key is to find evidence of being misled by the insurance company, including recordings, signatures and other materials.

For specific situations, it is recommended that you go to the Century Insurance Network. When pursuing a full surrender, don't be in a hurry, catching evidence is the key! Remember!

Xueba talks about insurance, focusing on insurance evaluation! Critical illness insurance cannot be bought casually, it is necessary to choose carefully according to the needs to reduce the probability of losing money due to regret surrenderingTop 10 [Not Worth Buying] Critical Illness Insurance Points!

The cash value can be calculated as follows:

Some people buy insurance and say that they will not think much about it, and they feel bad when they get to the back, and regret that they want to surrender the insurance. Then we should be serious when surrendering, and we should all know these key knowledge points of surrenderHow to surrender insurance, how much can be refunded, and how to reduce surrender losses?

The article is very detailed, here are a few points to briefly say.

Generally speaking, there is a loss caused by the surrender of a policy, but there are exceptions, such as the following:

1.Cooling-off period surrender:Insurance usually has a hesitation period, between 10-15 days, each product is different, if you surrender the policy within this time, there is basically no loss;

2.Sales misleading:If the salesman's operation is not standardized when you buy the insurance, and the signature of the insurance contract is not signed by the person at the beginning, you will have the opportunity to apply for a full return of the premium.

In addition, the loss is certain, and it is necessary to minimize the economic loss at this time, such as the option to reduce the amount to pay off:

That is, the money is not refunded, but the current cash value is used as the premium to be paid, how much can be insured, and no further payment will be made in the future, and the protection will still be effective, but the sum insured will be reduced.

This is more cost-effective than surrendering, but it does not mean that every product can use this method, and whether such a treatment can be passed still needs to be confirmed with the insurance company.

In addition,These situations should not be taken lightly when surrendering:

2.Health Status:If you are already in poor physical condition, it may not be possible to notify you of your health through the new insurance, and it is not recommended to surrender the policy.

3.Payment card balance:If the determination to surrender the insurance will not waver again, you should empty the bank card that was bound to pay the insurance premium, so that you can avoid the situation of being deducted after surrendering, and save the time to negotiate with the insurance company.

Regarding the surrender of the policy, there are more details that need to be paid attention to, here are not one by one, if you want to know the details, you may wish to take a look at this articleWhat are the details to pay attention to when surrendering an insurance policy?

You need to go directly to the branch of Taikang Life Insurance Company to surrender the policy. If the policy is surrendered at the cash value of the policy for more than two years, the cash value statement is clearly stated in the insurance policy.

The policyholder's application for surrender is divided into the following:

1. During the 10-day hesitation period, the insurance company will deduct the cost of the insurance policy of 10 yuan and refund the full amount to your account.

2. Surrender beyond the cooling-off period shall be regarded as normal surrender.

3. If the premium payment is less than two years, the insurer shall refund the remaining part to the policyholder after collecting the insurance premium for the period from the date of commencement of the insurance liability to the date of discharge.

4. If the contract has been in force for two years, the insurance company will refund the cash value of the policy after receiving the surrender application.

The following documents must be provided at the time of surrender:

1) The application form of the policyholder, if the insured requests to surrender the insurance, the application for surrender of the insurance with the written consent of the policyholder shall be provided;

2) A valid insurance contract and proof of the last payment;

3) Proof of identity of the policyholder;

4) If the application is entrusted to another person, the power of attorney of the policyholder and the ID card of the principal shall be provided.

There is a lot of handling fee deducted for surrender, and the specific calculation is based on different insurance products. You can consult customer service to check.

First of all, to criticize you, using insurance products to manage money is a misunderstanding, insurance companies are good at risk management, not investment, I also do insurance, but I will not use investment income as the highlight of product sales, so please carefully distinguish the starting point of your purchase of insurance at that time, if it is to buy protection, see if it is enough or whether the coverage is suitable for you or your children;

Secondly, according to the relevant provisions of the Insurance Law, if you surrender the policy, please be sure to surrender the policy before paying the second instalment of insurance premiums, otherwise it will cause significant economic losses;

Thirdly, if you have already paid more than two instalments of premiums, it is recommended that you pay off the premiums by reducing the premiums you purchase each year, which can reduce the losses appropriately.

In the end, it is still the advice that the investment and wealth management products are still reliable products of the bank, but when the bank buys it, it must also ask whether the bank is the bank's own wealth management product or the insurance product sold on behalf of the insurance company.

I am also a customer of Taikang Life Insurance, and if it comes to **, I personally think it is too much! I originally bought Ping An's dividend insurance, and then by chance, accepted Taikang Life's dividend insurance, I personally found that Taikang's dividend is really much higher than Ping An, and then I bought 15 copies in Taikang, with an annual payment of 15,000 and 10 of the election. Only insiders know that in fact, the financial management function of insurance is much better than that of banks, but the bank's access is more convenient.

However, as a long-term financial plan for life, insurance is the best choice. I personally bought 15 copies. After a few decades, it appreciated to millions.

Personally, I think that if I had been in a bank, I don't know how many lifetimes it would take to save that money.

In addition, I am a person who has been abroad, and I know that 53% of the annual income abroad is placed in insurance companies for financial management, and 19% is in the bank for petty use and transfer fees. The existence of banks can make money and ** can make money, those are pure lilies of the past. Trust me, a man in his 40s.

I believe what Hunan Satellite TV, the financial program host of Phoenix Satellite TV said. The best products that are truly suitable for personal and family financial management are insurance, wealth management, savings, and participating insurance!

I can tell you responsibly that today you have purchased this product and this product is absolutely worth it, with an annual deposit of 24,000, and a fixed receipt of at least 3,000 from the second year, and a double after the age of 60, and a lifetime of it, as well as a gift exemption. If you don't understand this product, don't talk nonsense there, and don't pretend to understand if you don't know how to manage money! In the future, you will be grateful for this cousin of yours.

The person who said that the product was not good must have not made it clear when he applied for other types of insurance, and he did not get a claim when something happened, so he deliberately said it.

Universal insurance access is relatively free, sustainable payment, additional premiums, deferred premiums, partial withdrawals (full withdrawals will automatically terminate the contract), note that deferred payment and partial withdrawal are based on the minimum amount of personal accounts stipulated in the contract, and there is enough money to deduct risk protection costs, etc., otherwise customers will eventually find that there is no money in the personal account, and the insurance is invalid. If you just blindly cater to the requirements of customers, exaggerate the benefits and flexibility of universal insurance, coupled with the selective understanding of customers, customers are easily misled, It is important to understand the terms of an insurance product, and things outside the terms are uncertain, I hope this article will help you understand universal insurance. The more you pay, the greater the risk and the more significant the surrender loss.

From January to September this year, the surrender rate of the life insurance industry reached an increase of one percentage point from the same period last year. Calculated according to the old caliber, the surrender amount reached 100 million yuan, a year-on-year increase. Among them, the most affected by interest rate hikes are investment-oriented insurance products that are biased towards wealth management, and most of them are sold in bancassurance channels.

In addition to the bancassurance policy prohibiting insurance companies from selling at the site, the most direct is that the changes in the capital market have led to poor investment returns, resulting in a decline in the dividend income of investment insurance products, and some customers who are very concerned about investment income choose to surrender their insurance policies.

First of all, how long does it take for you to buy this insurance, does it take 10 days to get the contract, and return the receipt?

Within 10 days, it is unconditional, no loss surrender, but if you want to refund now, you have to go through your cousin, and you have to be able to pull down this face.

Second, you need to know what kind of insurance you are buying and what is the scope of coverage.

I'll give you a very simple example: 24,000*10=240,000 You need to know what the amount of your insurance is cost-effective.

Third, you paid 240,000 yuan in 10 years for this insurance, and you did it yourself, how many years, 30 years, 40 years? to get the 240,000 back (not counting your inflation).

Fourth, do you buy insurance for yourself or for your son?

Fifth, your 240,000 yuan in the past 10 years is planned to be used or not.

ps: Now a lot of answers are blindly saying that this product is good, that product is good, and it doesn't make sense, I won't explain why.