For annuity insurance, if the guaranteed income is too low (the minimum guaranteed income of universal account in Jin Rui is only 1.75%), but in publicity, 4.5% of the intermediate income or 5% of the early income will usually be displayed to customers, or even high-end display. Jin Rui Life Insurance products purchased by Ping An with Jucaibao account can provide you with lifelong income. According to your annual payment of1.50,000 and ten-year payment, the income of Ping An Jucaibao account since listing is 5%, the estimated income of 20-year account is 254,700, and the estimated income of 30-year account is 4 1.96 million. The account has always been calculated with compound interest, with a large base.
In general, the shorter the insurance period, the lower the cash value, and the longer the insurance period, the higher the cash value. Some people pay more than 1000 a year and two years, only to find that they can only refund a few hundred dollars when they return the cash value, and they have lost so much inexplicably. This is a very normal phenomenon. After all, if we want to refund the money, we have to deduct the handling fee, labor cost, service fee and so on from the premium paid.
It was the insured who broke the contract first, and the insurance company could not bear the loss instead. It can also be seen that you must consider carefully when buying insurance. For example, who do you want to buy insurance for, or what insurance do you want to buy? Don't just listen to the insurance salesmen, because some unscrupulous insurance salesmen may sell some insurance that is more beneficial to them, but they don't care about your real needs, so you have to think for yourself.
How much Ping An Jinrui can refund when surrendering is related to factors such as surrender time, payment period and premium payment in advance. If he surrenders his insurance during the policy hesitation period, the insurance company will refund all the premiums, with the maximum deduction of 10 yuan. If the policy has passed the hesitation period, it will be refunded according to the cash value of the policy at the time of surrender.
Under normal circumstances, an insurance contract will be accompanied by an insurance cash value table, and the cash value corresponding to different policy years will be marked.