Can I withdraw the principal after whole life insurance Universal Life Insurance 10 years?

/kloc-The principal may not be withdrawn after 0/0 years. For example, if you pay a premium of 500,000 yuan, the insurance company will charge a certain initial premium and guarantee fee. Therefore, there will be certain economic losses after ten years of payment. At this time, if you want to quit, you may not get the principal of 500 thousand.

The initial fee stipulated by whole life insurance for Ping An Zhiying Life Insurance is: if it is paid annually, it will be 0 ~ 6,000 yuan per installment, and 50% of the initial fee will be charged in the first year, and 5% will be charged for the part exceeding 6,000 yuan in the first year. The guarantee fee is charged by deducting the guarantee fee from the policy account on the monthly settlement date according to the actual number of days in the month. The daily guarantee fee is 1/365 of the annual guarantee fee.

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What are the precautions for buying universal insurance?

1.？ The investment income is unstable.

Although universal insurance has a guaranteed interest rate, it can certainly get money, but this guaranteed interest rate is generally between 1.75%-3%, and it is basically impossible to expect this guaranteed interest rate to make huge profits. It is basically difficult to determine the income other than the guaranteed interest rate, mainly depending on the operation of the insurance company. But whether universal insurance can get benefits, how much benefits, and whether it can be bought, you can look at this article: "How much can you earn by buying universal insurance?" Don't be sold, be happy ... "

Step 2 deduct more expenses

After deducting the fees to be paid, such as initial fee, loan account management fee, additional insurance premium and risk insurance premium, some insurance companies will charge a certain handling fee when they receive or surrender part of the insurance, which adds up to a lot of expenses.

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