Taiping Shengshi Steady Win 2018 Annuity Insurance Surrender Rate

Surrender Value = Accumulated Cash Value - Insurer's Expenses.

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Under normal circumstances, surrender can be divided into two situations: the first is to surrender the policy during the hesitation period, in which case the insurance company will refund the premium paid in full, and may lose a sum of production costs; The second option is to surrender the policy after the cooling-off period, in this case, if you choose to surrender the policy, under normal circumstances, the insurance company will not refund the full amount of the premium paid, but will only refund according to the cash value of the policy at that time. Next, the senior sister will give you an evaluation of Shengshi Win 2018 gold insurance.

How is Taiping Life reliable? One article tells you the answer!

Not much to say, let's take a look at the protection map of Shengshi Win 2018 gold insurance:

The following senior sister will directly give the evaluation results:

1.Guaranteed content analysis.

After reading the protection chart of Shengshi Wenying 2018 gold insurance, you can know that the protection content of this product mainly includes survival insurance benefits, special survival insurance benefits, death insurance benefits and maturity insurance benefits, in addition to other rights and interests such as policy loans and reduced payments.

Among them, the special survival fund of this product meets the conditions for the insured to survive at 0:00 on the first policy anniversary of the contract, and the insurance company pays an additional 30% of the basic sum insured in addition to the survival insurance benefit.

It can be seen that the protection of the golden insurance in 2018 is still okay.

If you want to have an in-depth understanding of Shengshi Win 2018 Golden Insurance, then the following article must not be missed:

Can you really "win" annuity insurance after buying Taiping? The key is here.

2.There are many exemptions.

The exclusion clause refers to the situation where the insurance company does not bear the insurance liability, so naturally the fewer exclusion clauses, the better.

Under normal circumstances, most of the common annuity insurance products on the market set 3-5 exemption clauses, while Shengshi Wenying 2018 gold insurance has 7, in contrast, Shengshi Wenying 2018 gold insurance is slightly more.

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

Summary. The cash value of the policy is a cash value table on the paper policy. The cash value refers to the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract.

Generally speaking, it can be simplified as follows: cash value of the policy = premiums paid management expenses apportioned amount salesman commission net premiums required by the insurance company to bear the insurance liability of the policy interest accrued on the remaining premiums. The insurance company will give a clear cash value statement for the year.

Hello dear, if you surrender the policy, you can only surrender the cash value of the policy, which is 30% 60% of the premium.

The cash value of the policy is a cash value table on the paper policy. The collapse of the cash value refers to the part of the amount that is refunded by the insurance company to the policyholder when the policyholder surrenders the policy or the insurance company terminates the insurance contract. In general, it can be simplified as:

Cash value of the policy = premiums paid Management expenses apportioned amount Salesman's commission Net premiums required for the insurance company to bear the insurance liability of the policy Interest accrued on the remaining premiums. The specific figure will be given by the die slag insurance company for the year with a clear cash value table.

How much money can I get back? You can open the cash value table of the policy to see what the cash value is for the corresponding year.

If this insurance is car insurance, the car insurance can be surrendered, but to meet the car insurance surrender conditions stipulated by the insurance company, under normal circumstances, the car insurance surrender must meet two conditions: first, the policy must be within the validity period; Secondly, the car has not been reported or claimed to the insurance company.

Among them, the surrender of compulsory liability insurance needs to meet these conditions:

1. The insured vehicle has been cancelled from registration in accordance with the law;

2. Handle the suspension of driving;

3. It has been confirmed by the public security organ that it has been lost;

4. The owner repeatedly insures compulsory traffic insurance;

5. The vehicle is resold, transferred, or given to a place other than the location where the license plate is located;

6. If the new car is withdrawn by the seller due to quality problems or the relevant technical parameters do not meet the national regulations, the traffic management department will not be allowed to go to the household.

And generally to surrender the compulsory insurance, the first thing to look at is the effective date of the compulsory insurance on the policy, if the policy has not yet taken effect, you can surrender the policy. If the compulsory traffic insurance has been in effect, according to the Regulations on Motor Vehicle Traffic Accident Liability Insurance, if the conditions for surrender are not met, the policy will not be surrendered. After applying for surrender, the insurance company calculates the surrenderable premium by using the actual premium paid at the time of insurance application, minus the premium that the insurance company should charge during the effective time of the insurance, and the balance is refunded to the car owner.

The specific process of surrendering a car insurance is as follows: the owner submits a surrender application to the insurance company, stating the reason for surrender and when the surrender will begin. After review, the insurance company will issue a surrender endorsement indicating the surrender time and the surrender amount, and the policy will be withdrawn.

After that, the car owner can go to the insurance company to collect the refundable premium with the surrender endorsement and ID card. I hope the subject and netizens are grateful.

Summary. Hello dear, Taiping Shengshi Wenying 2018 Annuity Insurance is an annuity protection product, which receives a survival pension every year from the 5th year, a special survival pension from the 5th to the 9th year, a maturity payment at maturity, and a protection for death.

Hello dear, Taiping Shengshi Wenying 2018 Annuity Insurance is a yearly loss of mountain Shenjin protection products, starting from the 5th year to receive the foundation deposit every year, from the 5th to the 9th year there is a special survival fund, there is a maturity payment, and there is also protection for death.

During the insurance period of this contract and this contract is valid, the product shall bear the responsibility of paying the corresponding insurance money in accordance with the following agreements: 1. The survival insurance benefit shall be from 0:00 on the 5th anniversary of this contract to the termination of this contract, and if the insured survives at 0:00 on each insurance policy anniversary during this period, we will pay the survival insurance benefit at 30% of the basic insurance amount of the Japanese contract. 2. Special Survival InsuranceIf the insured survives at 0:00 on the anniversary of the first insurance policy in this contract, we will pay an additional 30% of the amount of the basic insurance in Japan.

3. Death BenefitIf the insured dies, we will pay the death benefit according to the greater of the following two amounts, and this contract will be terminated at the same time. 1.the product of the annual premium paid under this contract and the number of policy years or premium payment period under this contract at the time of the insured's death, whichever is less; The cash value of this contract at the time of the insured's death.

The above-mentioned annual insurance premium is calculated on the basis of the payment method at the time of the insured's death, and the annual insurance rate is calculated based on the basic insurance amount of this contract at the time of the insured's death, and is calculated according to the age of the insured at the time of insurance. 4. Maturity PremiumIf the insured survives at 0:00 on the expiration date of this contract, we will pay the maturity insurance premium according to the product of the annual premium paid in this contract and the number of years of payment, and this contract will be terminated at the same time. The above-mentioned annual insurance premium is calculated on the basis of the dust carrying fee at the expiration of this contract, and the insurance rate corresponding to the single payment if it is a single payment, and the annual insurance rate if it is paid in installments, and is calculated according to the age of the insured at the time of insurance application based on the amount of the basic insurance premium of this contract at the expiration of this contract.