Is Pacific Insurance s fortune good every year?

I heard that there is a 10-day hesitation period, right?

Definitely. Let's start with the concepts of dividends and cash value.

Dividends are uncertain.

Maybe the salesman brags about his previous performance in front of you, but that doesn't mean anything. According to the relevant regulations, dividends are related to the operating performance of the insurance company, and a certain proportion of the performance of each fiscal year is distributed, and the operating performance is uncertain, so the dividend is uncertain and cannot be calculated now.

I bought a dividend insurance in 07, and in 07 (the economic development is better) the dividend was more than 400 per 10,000, but in 08 (financial crisis) it was less than 100 per 10,000.

Cash value simply refers to the value of the insurance contract after a certain number of years (usually 2 years) after the insurance you bought, that is, the money you can get when you surrender or mature. It is stated in the general insurance contract.

If you buy this insurance, the monetary benefit you can get is the cash value (generally less than the bank's interest plus principal in the same period, or what about the bank?). As you said: When my daughter goes to college at the age of 20, she can only return about 17,000 living funds and dividends, which is not enough) and dividends.

Because dividends are uncertain, it is impossible to calculate how much you can earn.

Reminder: The essential attribute of insurance is not investment and financial management, but to provide protection and consumption. Your purchase of insurance is a kind of consumption, and the function of investment and financial management is only an additional function, and if you want to make money through insurance, the possibility is basically zero.

There is never a pie in the sky!!

Insurance, simply put, is to collect everyone's money to help a small part, so insurance is just to give people protection. If something happens, you can get help, otherwise you will lose. Therefore, when we buy insurance, we often buy psychological comfort.

If it's almost impossible to make money with insurance (of course, there is), then what do insurance companies eat?

Let's just talk about you, right? If you pay so much in total, you may get back more on the surface, and you will earn on the surface, but it is not necessarily necessary. Because that more than 60,000 yuan is not your current money, will the purchasing power of 60,000 yuan be as high as it is now?

For example, 40,000 yuan can buy a ton of grain this year, but 60,000 yuan can only buy half a ton of grain at that time. Actually, you're still losing, aren't you?

But we can't make a direct comparison, because after all, we are buying insurance, selling things, and buying a guarantee (as you said: I want to accumulate a little money for him to go to school, but I am afraid that it will be difficult to fund college at that time). Also, buying insurance is not a deposit, and you will lose a lot if you surrender the insurance halfway (buying insurance is also a long-term investment, and it will definitely face various risks, and this is just one of them.) , so please decide carefully according to your own financial situation and other factors.

To be honest, this is a product that returns once every two years, and in the market, among similar products, in addition to Taiping Life's Fushou Lianlian, this product is still good.

The types of insurance for good luck every year are as follows:

First of all, the sum insured for each point is 1w, and the landlord's sum insured is 2w.

Second, in the first 20 policy years, that is, during the period between the landlord and the age of 19 and 39, Pacific Insurance Company will return 8% of the basic insurance amount of the hunger every two years, that is, 1,600 yuan.

Thirdly, starting from the 21st policy year, Pacific Insurance Company will return 5% of the basic sum insured of the landlord every year, that is, 500 yuan, until life.

Fourth, CPIC will determine the annual dividend distribution based on the annual operating performance, which is uncertain. However, according to the historical data of our company's dividends in the past 5 years, the dividends are basically about 5% of the cash value of the policy.

Fifth, the landlord is in 07 years to buy the "Fortune Nian", in 08 years, despite the impact of the world financial crisis, the Pacific Insurance Guess Company is still for 08 July before the purchase of our company's dividend insurance customers, on the basis of the original dividends, a total of up to 100 million special dividends.

Sixth, with the current age of the landlord, the annual fixed receipt and dividends should not be used, these money can be stored in the policy account of "Fortune Niannian", accumulation of compound interest and interest, my company is now implementing the compound interest rate is, the benefits of the stockings royal period are very considerable.

Seventh, this insurance has now been discontinued in the country, and I am very grateful to the landlord for his support to our company!

I wish the landlord good health and good luck every year!!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Pacific Insurance Hongyun pays for ten years every year, and the procedures to be handled include:

2. Apply for compensation: If an insured accident occurs, you can claim compensation for losses through the claim application procedure.

3. Renewal: After the expiration of the insurance period, you can continue to enjoy the wide insurance service by renewing the insurance to protect your own rights and interests.

4. Surrender: If you don't want to continue the insurance, you can terminate the insurance relationship by surrendering the insurance, and you can get a certain surrender payment.

5. Change the insurance terms: During the insurance period, if necessary, you can change the insurance terms to meet your own needs.

6. Handle policy changes: If there is a change in the information of the insured, it can be handled in a timely manner by handling the policy change.

1. To be honest, this is a product that returns once every two years, in the market, among similar products, in addition to Taiping Life's Fushou Lianlian, this product is still good, and if you can not return, try not to return.

2. In the long run, if the reduction is adopted, it is not too appropriate, and if the reduction is adopted, the dividends will no longer be enjoyed in the future.

3. Although there is a two-month grace period, the premium of the current year will be refunded only if the premium is paid.

4. Since you have paid 2 times, this year is the third time, and you will return the money this year, a total of 10 years, which is not long, and there is a return in the middle, don't refund it.

Hello! Hongfa Annuity Fixed Investment Dividend-paying (Additional Wealth Steward Universal Insurance) The main insurance is calculated and returned year by year, and the additional insurance is indeed compounded by the day and month, Hongfa Annuity Fixed Investment The minimum annual average guaranteed interest rate is, the monthly compound interest is subject to the company's income, and the monthly interest rate is not fixed, such as the company's monthly announcement of the relevant universal insurance monthly interest rate, assuming that it is 3 or 4 to calculate, the income is still quite high, especially the additional part, the details are based on the personal payment situation and additional fees!

Assumption: The amount of the wealth possession account is 20,000 yuan, and the minimum interest rate is 2 5 20000 * 2 5 365 * the actual number of days of purchase (if there is no whole month, the daily calculation is multiplied by the actual number of days).

The cumulative total income of the month is compounded next month, which is very good as an investment and wealth management product, and at present, it is worth buying.

The premium is high, the sum insured is very low, the blessing money is divided according to 9% of the sum insured, the so-called high dividends, in fact, the dividends are uncertain, if your annual income is more than 100,000, you can consider.

This insurance product is suitable for people with high incomes, who are insurance and have family property preservation and wealth management needs.

Hello! Pacific Hongfa Lianlian's product is still good, with compound interest.

You can buy it, see what you buy this insurance for?