Ping An Jinyu whole life insurance (dividend-paying type) pays 5 years, and pays 50,000 yuan every year!

Hello: I will answer your question directly: (1) According to your plan, you have to pay more than 250,000 yuan every 50,000 years, and the "repayment of principal" in 8- 10 years means the money you can get if you choose to surrender during this period. The money you can get when you surrender includes: accumulated survival fund (interest will be accumulated if you don't collect the money returned every two years), so you can generally "return the capital". (2) Dividends are determined according to the comprehensive operating level of the company. Every policy anniversary has a dividend, but how many points are uncertain. The CIRC stipulates that insurance companies must distribute 70% of the annual distributable surplus to customers. The general interest rate demonstration table will demonstrate three dividend levels: low grade, medium grade and high grade, but the specific dividend level should be determined according to the actual situation. (3) Today's life is a financial insurance, and there is no guarantee in itself. When he died, he only paid the principal and some interest. Mainly to help families distribute their property reasonably, generate a steady stream of cash flow, and realize the functions of maintaining and increasing value and avoiding debts and taxes. I suggest you buy insurance in the order of insurance first and then financial management, improve your insurance first and then manage your finances reasonably. (4) The beneficiary of an insurance contract may change, but relevant information and certificates shall be provided when changing. As a financial management tool, the certainty of beneficiaries is not affected by the order of inheritance distribution. As long as the beneficiary is designated, it can be protected by law and cannot be used as debt collection or mortgage. If you have any questions, you can add QQ to communicate.