I bought Ping An Fu insurance this year and paid 5300 per year. How long does it take to return to t

Payback?! I don't know how to explain to the customer, but Ping An Fu is a pure protection product, not a wealth management insurance, there is no return function, and there is no return to the situation at all.

Read the policy contract carefully, consult your own ** person in detail, and call 95511 if necessary, consult and verify.

Refund can only be made based on the cash value of the current year. The purpose of the insurance is not to surrender the policy. Thirty years later, at the age of 60, it is a period of high incidence of diseases, and surrendering the policy is definitely not a wise and rational choice.

The surrender of the policy can only be based on the cash value of the current year, and customers can check the cash value** in the plan or policy contract to see the specific amount that can be surrendered in the 30th year.

If Ping An Fu expires and withdraws in the second year after the expiration of the payment period, the cash value is not the same as the premium paid, and is less than the premium paid.

If it is of a certain age or the benefit period has ended, then the cash value is greater than the premium paid. Insurance itself is protection, insurance is a medium and long-term investment, no bank is flexible, when there is a risk accident, the function of insurance is revealed. Therefore, it is not recommended to surrender the policy.

Summary. 1. Because Ping An Fu is a critical illness insurance that guarantees life, there is no premium refund function. Taking Ping An Fu 21 as an example, the insurance content is 1 time for 120 kinds of critical illnesses, 1 time for 20 kinds of moderate illnesses, 6 times for 40 kinds of minor diseases, and 6 times for 40 kinds of minor diseases.

2. If you need to withdraw cash, you can surrender the policy, but if you surrender the policy after 30 years, you will only be refunded according to the cash value, which may be different from the premium paid, and the principal may not be returned. 3. You can also receive cash through a policy loan, Ping An Fu is a lifelong insurance with a certain cash value, and you can borrow 80% of the cash value of the policy. 4. Wait for the insurance company to settle the claim, and the insurance money can be paid in accordance with the contract after the accident, after all, Ping An Fu is a critical illness insurance that protects the disease, once the insurance meets the contract protection responsibility, the claim will be made according to the contract, for example, Ping An Fu 21 provides 120 kinds of critical illness, 20 kinds of moderate illness and 40 kinds of mild illness compensation, once the diagnosis meets the agreement, you can pay according to the insured amount.

Ping An Fu Insurance: I bought more than 8,000 a year. Just 30 years. Can I get my principal back when I die of old age?

Dear, hello, I bought more than 8,000 yuan a year of Ping An Fu insurance that you consulted. Just 30 years. Can the slippery old stupid waiter return the principal after the quarrel?

The answer is as follows: dear, no, Ping An Fu cannot get back the principal after 30 years. Here's why:

1. Because Ping An Fu is a critical illness insurance that guarantees life, there is no premium refund function. Taking Ping An Fu 21 as an example, the insurance content is 1 time for 120 kinds of critical illnesses, 1 time for 20 kinds of moderate illnesses, 6 times for 40 kinds of minor diseases, and 6 times for 40 kinds of minor diseases. 2. If you need to withdraw cash, you can surrender the policy, but if you surrender the policy after 30 years, you will only be refunded according to the cash value, and there may be a gap between the rental club and the premium paid, and the principal may not be returned.

3. You can also receive cash through a policy loan, Ping An Fu is a lifelong insurance with a certain cash value, and you can borrow 80% of the cash value of the policy. 4. Wait for the insurance company to settle the claim, and the insurance can be paid in accordance with the contract after the accident, after all, Ping An Fu is a critical illness insurance that protects the disease, once the insurance meets the contract protection responsibility, the claim will be settled according to the contract, for example, Ping An Fu 21 provides 120 kinds of critical illness, 20 kinds of moderate illness and 40 kinds of mild illness compensation, once the diagnosis meets the approximate index, you can pay according to the insured amount.