China Post Bank Insurance Policy PICC Life Insurance Jinding Insurance, what is the name of both ins

Insurance, also known as life and death insurance, refers to life insurance in which the insurer shall bear the responsibility of paying insurance money in accordance with the insurance contract when the insured dies within the insurance period agreed in the insurance contract, or survives after the expiration of the insurance period.

When the insured dies during the insurance period, the insurer pays the death insurance benefit to the beneficiary according to the contract, and the insurance contract is terminated; If the insured survives until the expiration of the insurance period, the insurer pays the survival insurance benefit to the insured.

Any insurance policy with a maturity date is stated and the insurer shall pay the insured the amount of insurance agreed in the insurance policy to the insured if the insured is still alive by the maturity date. The maturity date of the insurance can be either a specific age or the end date of an agreed period. This type is attractive to those who want to be covered for the duration of the insurance policy and to earn a decent income to retire in old age.

Regardless of the type of endowment insurance, the insured survives until the maturity date or dies before the expiration date, the endowment insurance policy will pay the agreed amount.

Both insurance is "saving" and "payout", and if something happens, you will receive compensation, and if you don't have an accident, you will repay the principal when it expires.

Cheating money, last year the postal service lost 300 million.

Xueba talks about insurance, focusing on insurance evaluation! In 2020, the latest 35 participating insurance products and 101 popular critical illness insurance products were comparedA list of 35 participating insurances and 101 major critical illness insurancesWe have heard about dividend insurance countless times from the ** population, but many people don't know what dividend insurance is! Today I will take you to unveil the "mystery" of dividend insurance:

Participating insurance, in fact, is a sum of your money, part of the purchase of protection, part of the investment, both protection and return of dividends insurance, so that many people are excited.

Indeed, for customers, dividend insurance not only has a guarantee function, but also has an investment function, since the launch, it has attracted everyone's attention, however, many people regret it after two years after buying, because the income gap before and after buying is large.

The reason is that there are many cognitive misunderstandings that consumers don't know

Clause.

1. The amount of dividends you can get is closely related to the situation of the insurance company, and the worst case is that there are no dividends in the current year.

Second, the dividend pool is not transparent.

It is precisely because of these two characteristics of dividend insurance that the income of dividend insurance is difficult, and because of this, dividend insurance has become an insurance with more consumer complaintsParticipating insurance is actually the most complained about type of insurance?

With the complexity of participating insurance, novices who do not have certain insurance knowledge should not buy it easily!

This belongs to the bank insurance, I bought it before, but also to the bank deposit they introduced this to me, it feels good, I saved some, now more than two years, I hit them ** check the dividends, not bad interest is higher than the bank, he if this 3 years should be the next three years of cash value + 3 years of dividends, a few days ago I saved another said that it was an education fund for children, new things still have to understand something,

According to what you said, you should pay as much as you want in the first year, and how much you should pay every year for the remaining 4 years.

Withdraw money after 3 years, there is a loss.

You don't have to worry, the insurance industry has such a rule: 10 days from the date of signing the contract is the cooling-off period, surrender within 10 days, refund the premium in full, and only charge a certain amount of production costs.

After 10 days, it is calculated according to the cash value of the current year, which is not only the case for the life insurance company, but also for all insurance companies in the country.

Therefore, after the hesitation period, you can generally only withdraw about 10---30% of the premium, which is certainly not cost-effective.

Chinese Life Insurance Company product: Jinding Fugui Liangquan Insurance (dividend) is a single-payment 5-year bancassurance product, sold from 3,000 yuan, with relatively high cash value, one-time payment, protection for 5 years. If you take it out after three years, it is roughly the same as the regular three-year interest rate.

Because there is a surrender fee, which is about 3% every three years.

This one you bought is insurance.

A one-time payment, and then expire after 5 years, there are dividends every year, of course, you can not take it.

If you take it out after three years and suffer a loss, you can look at the list of cash values on the contract, which is a detailed figure.

If you do want to use the money after three years, immediately call ** to Chinese Life to ask for surrender, and you can surrender the insurance unconditionally within 10 days.

If ten days have passed, you can only negotiate with Life;

If they don't give them back, you can call the local insurance regulatory commission and complain that they are selling insurance in the name of deposits, fraud.

1.Look at your financial means. It's a one-off job. The minimum deposit is 3000 yuan.

2.It can be purchased by the insured between the age of 28 days and 65 years of age.

3.For death or total disability caused by general accidents, 2 times the basic insurance amount will be paid, and 3 times the basic insurance amount will be paid for death or total disability caused by public transportation accidents, so as to solve your worries. Basic income is guaranteed at maturity and dividends are available.

4.How much money can be refunded by surrendering:

Surrender the policy, and we will return to you the cash value of the policy. We take a lump sum premium of $100,000 as an example to illustrate the cash value of the policy at the end of each year. When surrendering the policy, you can consult the company about the cash value of the policy at that time.

Policy year end 1 2 3 4 5

Guaranteed cash value 93100 96200 99500 102900 106500