What does it mean to repay the principal at the age of 65 launched by Pacific Insurance?

Founded in '91, Pacific Insurance is a senior insurance company in the insurance industry, and has been listed in the Fortune Global 500 for eight consecutive years. Regarding the evaluation of Pacific Insurance Company, there are three main questions:

1.Are Pacific Insurance's products worth buying?

The hot-selling products of Pacific Insurance include Jinfu Life, Jinyou Life, Jinnuo Life, Children's Super Treasure Fuyou Ankang, etc., after combing through the products of Pacific Insurance, I sorted out one"Seven Worthwhile Products for Pacific Insurance in 2020".

Friends who are interested in Pacific products can click on it to take a look.

2.What is the level of service provided by CPIC?

The China Banking and Insurance Regulatory Commission (CBIRC) rates insurance companies based on their claims service, complaint rate, business processing speed and other indicators, with the highest grade being AAA and the lowest being D, in order to give consumers a standard.

Let's take a look at Pacific Life's service ratings:

Pacific Life has a rating of AA and is still some way from being the best. However, this level is not too good.

3.Is Pacific Insurance reliable?

You can take a look at the ranking of Pacific Insurance.

That's all for me"What does it mean to repay the principal at the age of 65 launched by Pacific Insurance?"All, look!

Hello! At the age of 65, you repay the principal during the specified period of the contract, but you still have two accounts when the contract takes effect, and the survival fund + bonus will be paid for life.

Hello, it is to return all the premiums you have paid by the time you turn 65.

Hello! It is to return all the premiums you have paid when you reach the age of 65 as agreed in the contract.

Hello, it is within the contract that you will be refunded all the premiums you pay at the age of 65.

It is the life allowance stated in the participating insurance policy to be paid until the age of 65, which is equal to the sum of all premiums.

Hello, it is the contract that the principal will be repaid at the age of 65!!

Up to 65 is a refund of the premium you paid.

Refund your premium at age 65.

The contractual return time is 65 years old.

Pacific Insurance Jin You's life, the original insurance seller said that when he was 60 years old, he could pay the principal.

Hello, Pacific Jinyou Life Insurance cannot be taken after it is paid, if you want to take it out, it is equivalent to surrendering the policy. It is not cost-effective to surrender only a portion of the cash value and dividends of the policy. Pacific Golden Life Insurance is a critical illness insurance product with death benefit.

If the insured is diagnosed with a disease agreed in the contract during the insurance period, then the insured can be compensated, and if the insured has not been sick, then the insurance benefit can be obtained after death. In the event of death or total disability of the Insured as a result of an accidental injury, or death or total disability caused by a cause other than the accidental injury after 180 days from the date of entry into force of this contract or the date of reinstatement of the most substantial injury, whichever is later.

Summary. Whole life insurance is also a participating insurance, and the participating whole life insurance can be withdrawn after the expiration of the payment period, as long as the policyholder brings the policy, the original ID card to the insurance company's outlets to handle the withdrawal business, if the dividend can not be withdrawn, it will enter the universal account to accumulate interest.

As long as the policyholder brings the policy, the original ID card to the insurance company's outlets to handle the withdrawal business, if Chong Jing can not withdraw the dividend, it will enter the universal account to accumulate interest.

Can I get my principal back?

Hello, this kind of insurance belongs to the final clearance of the body protection type, to the end of the insurance period should be able to return the principal, and there must be dividends, but the surrender is a lot of losses, the specific situation is recommended that you consult your salesman or customer service ** consultation, good luck!

Thank you. You're welcome, please give me a thumbs up! Have a great day!

。Founded in 1991, CPIC has been selected as one of the world's top 500 companies and is the big brother of the insurance industry. Regarding the evaluation of Pacific Insurance Company, there are three main questions:

1.Are Pacific Insurance's products worth buying?

There are many products under the Pacific Ocean, such as Jinfu Life, Happy Million, Children's Super Energy Treasure Auspicious Life, and Win-Win Wealth and Wisdom"Seven Worthwhile Products for Pacific Insurance in 2020".。After reading it, you will know which product is good.

2.In terms of service, is the level of Pacific Insurance high?

Based on big data, the CBIRC will evaluate 10 levels for insurance companies according to the standards of timeliness of claims service, odds obtained, complaint rate, and preservation timeliness, among which AAA is the best.

The ratings of Pacific Insurance are as follows:

Pacific Life is rated AA, and no company has achieved AAA rating for the time being. However, the rating changes from year to year, and the situation is different from year to year.

3.Is Pacific Insurance reliable?

I will care about the unreliable fans of the insurance company, and I am worried about the claims after buying the insurance. This is easy to do, the higher the ranking company, the more reliable it must be in the same industry. Here's an up-to-date list:

Which of the top 10 insurance companies is good. You can see which companies are going beyond Pacific Insurance.

That's all for me"I want to buy Pacific Insurance's Golden Life, and I am already 50 years old"

I wonder what my friend's original intention was to buy insurance? At the age of 50, you have to pay for insurance for 20 years, and you are already 70 years old, can you still accept it? Even if you pay for 15 years, you will be 65 years old.

Ping An also has two types of insurance to consider at this age group, Xinsheng and Zhisheng Life. Xinsheng is a type of insurance that focuses on protection, but it has reached the age of 70 after 20 years of payment, which is obviously a little unreasonable, and the premium will definitely be upside down at this age. Instead of paying for 20 years, it is better to choose a 30-year payment period, which is more cost-effective than a 20-year payment from the perspective of human life cycle.

Outsmart Life is a universal insurance that is well received by customers. But there is also a problem ahead, the older you are, the higher the cost of protection. However, you can choose to start at 10,000, and it is not recommended to start at 6,000 to add 4,000, also because the higher the guarantee cost.

In fact, during this period of time, choose a product with a high amount of insurance to protect, reduce the amount of insurance at the age of 60, so as to accumulate pension is also a good choice, Zhisheng Life and Xinsheng can do it, but this age is still more suitable for Zhisheng Life. For details, please consult your Ping An Insurance** person.

Hello! If you are 50 years old and don't know what your financial situation is, do you pay the bill yourself or your children? Because soon facing the retirement age stage, if you have the financial ability to recommend 10 years to pay better, because it will increase the amount of pension conversion after retirement, the payment time is long, although the annual payment is a little less, but the total premium will be relatively high, and for your age to pay for a short time is better, the current general critical illness incidence rate is about 50 to 65, after this stage is mostly disease, if you convert the pension at the age of 65 or 70, then the short-term payment conversion amount will be relatively high, on the contrary, the amount of long-term payment account is limited, Of course, because your specific information is not detailed, it is not convenient to analyze or understand, hehe, with a personal opinion, for reference only, thank you, good luck!

Reference: The sum insured is double-incremented, and the protection keeps pace with the times - "Golden Life" adds to the early payment of Golden Life.

If you are over 50 years old, it is recommended to buy medical insurance for accidents and hospitalizations, and if you can afford it, you can consider short-term financial insurance, and long-term payment is not very cost-effective.

Hello! If you consider the health aspect, critical illness insurance is the first choice, and you should consider long-term payment because there is an exemption function; If it is a wealth management product, you should consider short-term payment, so that the income is higher.

Hello! It is recommended to understand Xinhua's "Xiangrui Life" lifetime participating insurance. This is a low-premium, high-protection, lifelong participating insurance that integrates 35 major diseases, pension and cancer prevention!

The sum insured is divided, the protection is increasing year by year, and you can choose to convert the pension at the age of 60. There is also a premium waiver feature. At the age of 50, you can also choose to pay for 20 years.

Hello, friend, as an age, it is best to be able to maintain value and increase and be protected, because older people need more high protection, it is recommended to refer to picc Chinese to protect the health of the blessing life, can protect the disability care of critical illness insurance accidents, save money while you can have high protection, detailed consultation QQ reference: 54-year-old woman's critical illness + accident + accidental medical 53-year-old to buy critical illness insurance with nursing function can also.

Golden Life is an insurance type with an increased sum insured, which can not only achieve the treatment of diseases, but also achieve the benefits of disease-free and anti-aging. So I suggest that you still focus on this type of insurance, I recommend that you pay for ten years, because you are already here, and you now have to consider your pension problems if your body functions are good in the future.

In fact, many people often ignore the basic functions of insurance when buying insurance! There is no such thing as a cost-effective insurance policy, whether it helps you solve the problem is the key.

Hello, buying insurance at the age of 50 is indeed the key point that needs to be cautious, there will be many potential hidden dangers in handling insurance at this age, so it is recommended to choose more professional salesmen from various insurance companies to tailor a plan for you, and understand what problems this plan can solve for you. Don't suffer a loss by shopping around. I hope you can have the right insurance for you as soon as possible.

I wish you happiness and peace.

collapse, ask you a question, is it useful to have a serious illness of 40,000? Why not buy more? 20w, too much?

In fact, it's not much, if you really have a serious illness stipulated in the insurance contract, then it is generally at least 10 tens of thousands, if you are diagnosed with a prescribed serious illness, you will be given 20w at a time. It is recommended that you buy 20 copies of "Golden Life" + Comprehensive Accident Protection Plan (Coverage 168 or 368) + additional medical insurance for hospital expenses [it is recommended that you buy the lowest class B rate], and the payment period is recommended that you pay for a long time, because it has an exemption function.

1.The total premium remains the same as the sum insured. The longer the contribution period, the lower the annual payment.

The annual premium remains the same, and the longer the payment period, the higher the sum insured. Therefore, whether to pay for 15 years or 10 years depends on the amount of insurance you need. The sum insured is the amount of money that the insurance company pays you.

2.What kind of product to buy depends on your specific situation. As for whether it pays 300% or 100%, these calculations are just a play on words, and it depends on what the final number is.

3.Buy insurance at this age, because in the high incidence period of serious illness, critical illness protection is very important, but the premium is already relatively expensive, so you should buy it according to your own economic conditions. There is also the importance of accidental medical treatment. Then it's time to prepare your own pension.

Hello! At the age of 50, it is recommended that you purchase accident insurance. High coverage, low premiums. Have a great day!

You can compare the products of other companies according to your needs.