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Can Cai Zaisheng's Xinhua Life Insurance be refunded after 20 years?
From: Network Date: April 30, 2022
Jincai can't return the principal after 20 years of Xinhua Life Insurance, because it is a lifelong product, and Xinhua's insurance products are dividend-paying products, and the dividend amount has increased, so there is no cash to get back. If surrender is required, the following documents shall be provided: (1) If the insured applies for surrender, the written consent of the insured shall be provided; (2) a valid insurance contract and the last payment certificate; (3) the identity certificate of the insured; (4) If entrusting others, provide the applicant's power of attorney and the client's ID card.
The insured can terminate the insurance contract at any time, but the cash value returned before the expiration will be lower. The biggest difference between insurance and bank savings is that there are both guarantees and benefits, and it is impossible to simply compare bank interest with insurance interest. This kind of insurance pays 3600 yuan every year for 20 years, so the total amount paid is 72000 yuan. After 20 years, of course, you can take out the principal. This is insurance, and the income is not fixed. Unlike time deposits, interest can be calculated directly. Whether the extended reading insurance can withdraw the principal depends on what insurance you buy. If you buy: 1, pure consumption (such as term life insurance), you can't get back the principal; 2, financial management, generally guaranteed, can be returned after the expiration; In financial insurance, it is generally not recommended that you buy dividend insurance. Why do you say that? You will understand after reading this article! Why do many people buy dividend insurance but want to surrender? What are the tricks of dividend insurance? 3, omnipotent, it depends on the amount of payment, insurance level, age of the insured, etc. To determine whether it can be returned; 4. Serious illness and accidents (except consumption) are ultimately insured. As long as the premium is not upside down, it can be refunded. To sum up, if the insurance contract indicates that the insurance is return insurance or dividend insurance, consumers can take their ID card, bank card, insurance contract and other materials to the insurance company to receive insurance benefits according to the time limit stipulated in the insurance contract. The contract does not indicate whether the insurance is surrender or dividend, and the contract is terminated after the payment is completed. Therefore, when you apply for insurance, you must read the contents of the insurance contract carefully, especially about the insurance liability and the insurable interest you have. If it is not clear after insurance, you can check the insurance contract first. Therefore, whether the principal can be obtained depends on what kind of insurance is insured and how the insurance contract is specifically agreed.
Yes, but you'd better not. Because whole life insurance withdrew its cash value at the end of the year, if it is less than 60 years, there will be a loss of principal when it is withdrawn. The disease is deep! Don't step on these pits → "What are the misunderstandings of buying insurance? How to buy insurance correctly? There are many kinds of critical illness insurance for Xinhua Life Insurance, and the contents of each kind of critical illness insurance are different. Taking the increased critical illness insurance of Health Fuxing as an example, it covers 45 major diseases, including malignant tumor, acute myocardial infarction, severe rheumatoid arthritis and other common major diseases. It covers multiple functions such as critical illness protection, premium exemption, death liability, and pension annuity conversion. As for judging whether the major illness insurance of Xinhua Life Insurance is good or not, some experts said that in addition to the content of protection, we should also look at the insurance company corresponding to an insurance product. As one of the well-known life insurance companies in China, Xinhua Life Insurance Company ranked first in China in 20 15, and ranked the top three in terms of market size. Of course, in addition, insurance products should also be suitable for themselves. Buy insurance consulting mint insurance, mint insurance is committed to the value connection between insurance consumers and service providers. By strictly screening the top quality consultants in the industry, relying on AI-driven intelligent recommendation, intelligent question and answer and other tools and technical platforms, the service and technology are organically combined to provide users and friends with one-to-one personalized insurance solutions and quality services throughout the life cycle.
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How much does Xinhua Life Insurance Jin Cai pay each year when he is 49 and 20? -:new china life insurance co Co., Ltd. Jincai Life Annuity Insurance Rate Table Basic insurance amount: 1000 yuan. Male, 49 years old, with 1000, 20 years. The insured amount is 5 12 yuan. Amount insured 1 ten thousand yuan. The annual insurance cost is 5 1 ten thousand yuan.
If Xinhua Jincai is insured with premium insurance, which will continue to take effect after 20 years' life, is Xinhua Life Insurance insured with Jincai Life Insurance? It depends on the cash value of the account. If the cash value of the account is higher than the accumulated premium, and it is enough to pay a certain annual guarantee fee, it can be withdrawn, and the policy is still valid, but the guarantee amount will be reduced. If it is not enough to pay the guarantee fee, it belongs to surrender and the policy is invalid. General universal insurance is still above15,25.
How about Xinhua Life Insurance? Is the golden color worth buying for a lifetime? Xinhua Life Insurance, a Fortune 500 company and one of the four listed life insurance companies, was established in 1996. The strength of the company is good. Jincai is a lifelong financial annuity insurance. The amount of insurance returned is 10% every two years before the age of 60, and 20% every year after the age of 60. It focuses on the later pension, because after the age of 60, the return ratio is relatively high.
What about Golden Life Insurance of Xinhua Life Insurance? Xinhua Life Insurance's "Golden Life" combines many favorable conditions, such as rate marketization, commercial pension, broadening investment channels and so on, covering functions such as insurance financing, pension and long-term planning. The customer base of this annuity product is positioned as middle-and high-income people.
How about the golden life annuity of Xinhua Life Insurance? Jincai whole life insurance is an annuity insurance that focuses on providing for the aged. After the hesitation period, 65,438+00% of the initial premium will be refunded. You can get 10% of the basic insurance amount every two years before you are 60 years old, and 20% of the insurance amount every year after you are 60 years old. The insured can receive the money at any time, if not, it will be automatically transferred to the universal insurance account, where the interest will be compounded. The settlement interest rate of this account has been continuously 65438+.
Which is better, Xinhua Jincai Life Insurance or China Life Credit Suisse, which is to pay more than 6,000 yuan a year for 20 years. What about now? Xinhua Jincai is 65,438+00% of the insured amount every two years before the age of 60, 20% of the insured amount every year after the age of 60, and 8% of the insured amount every three years for China Life and Credit Suisse. I suggest you consider the life of Xinhua Jincai.
I bought whole life insurance, a gold medal of Xinhua Life Insurance, and paid it every year for 20 years 15300. I have paid for it for two years. Is it okay if I lower the insurance amount now? Reduced payment: It means that under the condition that this contract has cash value, the insured can take the balance of the current cash value of this contract after deducting unpaid insurance premium and interest, loan and interest as the total insurance premium paid in one lump sum, and reduce the insurance amount under the same contract conditions. The insured amount shall be subject to the reduced insured amount, but ...
New China Life Jincai pays 1.36 million yuan every 20 years. How many years is the insurance period? -:It is stipulated in the rate manual. When designing insurance products, they must be submitted to the CIRC for examination and filing. The salesperson may not explain the product you bought to you clearly. Just like when we buy eggs, a catty of 6.2 yuan costs 43.4 yuan, and the insurance is calculated according to the insured amount. For example, a 7-year-old girl has been married for 20 years. 1.640 yuan (insured amount 1.000 yuan), insured amount of 70,000 yuan 1.480 yuan. It can be taken out in 20 years. This product is guaranteed for life. After paying the premium in 20 years, the money will be refunded every two years before the age of 60, and doubled after the age of 60.
This year, a friend tricked my one-year-old daughter into buying a whole life insurance of Xinhua Life Insurance with an annual payment of10.5 million for 20 years, saying that the commission could be refunded to me. Principal-:10000 yuan per year, 20 years, 7-year-old daughter, 1640 yuan (insured amount 1000 yuan) and 1640 *. The annual payment is 1 1480 yuan, and the insured amount is 70,000 yuan. The annual premium of Jincai life annuity insurance is 1 1480 yuan, with the insured amount of 70,000 yuan, and the payment is 20 years, which is guaranteed for life. The main insurance responsibility 1, and the care fund for the next day during the hesitation period 10. ...
Will Xinhua Jincai's premium insurance continue to be valid after 20 years' life? -:This is a financial annuity insurance, which guarantees life. If you take it out in advance, it may affect the income and security. For details, please contact Xinhua Life Customer Service.
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