PICC Life Insurance Outsmart Gold Account Dual Insurance Universal Surrender Problem?

I think it's best not to return, and more than 10,000 can't help you solve many things. Buying insurance is to be protected, if you return early, it is really a loss. Therefore, if it is not in case or not refunded, if it must be refunded, on the beginning page of the insurance contract, there is the corresponding cash value for each year.

This is the money you get when you surrender the policy.

In fact, you have not been deceived, but you have not yet understood this insurance. This is the same as depositing in the bank, if you deposit a fixed term and take it out before it expires, the bank will treat you as a current account. So, calm your mind, think about it, and believe that you will have a good choice.

Good luck and good company!

PICC Life Insurance Outsmart Gold Account Dual Insurance (Universal Surrender Problem?)

To help you analyze, it is like this, of course, you can refund, and if you receive it in advance (equivalent to a breach of contract), it will be calculated according to the cash value stated in the contract. In the first few pages of the insurance contract, there are several records about the cash value, and the first column above is written "** cash value corresponding to the basic benefit", about the amount corresponding to the first year, the second year,,, and so on. At this time, you see what amount corresponds to the nth year, and the above is the result of how much you should receive.

Generally, the longer the time, the smaller the loss, after all, it is all paid, and you also have this protection, it is recommended that you return it cautiously.

In addition, if you surrender the policy early, you will definitely not get back the premiums you paid.

Call PICC's customer service**, you can use your policy number and ID number to find out your current universal policy value. Because in addition to interest, there are also monthly deductions for protection costs and policy management fees, so it is not easy to calculate the interest rate yourself.

**Yes on the policy.

You'd better call the customer service of life insurance ** to ask, if you are in Ping An, pay 10,000 yuan a year, save for four years, and save a total of 40,000 yuan, if you surrender the policy, you may only be able to withdraw a little more than 30,000 yuan. I don't know.

The key depends on what the company's dividend rate is. Ping An Magnum's dividend last month was the annual interest rate. The better the dividends, the more money you will have when you surrender the policy, and vice versa.

You haven't been deceived, it's just that you haven't understood this insurance yet. This is the same as depositing in the bank, if you take it out if you deposit a fixed term and it does not expire, the bank will judge you as a current account.

Although universal insurance has a minimum guaranteed interest rate, it is only for the funds in the investment account, and the insurance premiums you pay are not all into the investment account, but are subject to risk protection fees and operating expenses.

As an insurer, we generally push the protection + dividend type of insurance, and will not push the risky universal product without understanding the basic protection of the customer.

The savings bank should have a few bills about the terms of the insurance for you.

Insurance Terms: Product Name: PICC Life Insurance Outsmart Gold Account Dual Insurance (Universal).

Product Type: Universal Insurance.

Issuer: Chinese Life Insurance Shares****.

Issue age: 28 days 60 years old.

Payment method: single payment.

Redemption method: One-time collection.

Duration of insurance: Covered up to age 88.

Product description: The first payment of the product is not less than 20,000 yuan, and additional insurance premiums can be added (not less than 5,000 yuan each time);

After the insurance contract comes into effect, it can be partially claimed with the consent of the company. The amount of each claim shall not be less than 1,000 yuan, and the amount shall be increased by 1,000 yuan in whole numbers. The value of the personal account after collection shall not be less than 10,000 yuan.

Insurance liability: Death benefit: equal to 1 times of the basic sum insured;

Accidental Death Benefit: In the event of accidental death of the insured between the ages of 18 and 70, an additional 1 times of the basic sum insured will be paid.

Note: The basic sum insured is the greater of the following:

1) (Accumulated premiums paid - Cumulative partial amount) 101%;

2) The account value on the date of death or total disability of the insured.

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