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1. Xinhua life insurance company was established on September 6th, 1996, and its headquarters is in Beijing! The company's three major shareholders are: central huijin Investment Co., Ltd. (with the State Council exercising power on behalf of the state), Shanghai Baosteel Group and Swiss Zurich Insurance Group. In 20 10, it was successfully promoted to the top three national life insurance companies with a premium of 93.64 billion! And has been rated as "the most trustworthy life insurance company", "the fastest life insurance company to claim compensation" and so on! The average closing speed is 2.33 days, and the rate of major cases in payout ratio is as high as 89% within 5 days, and all cases are closed within 30 days! Xinhua Life vividly compares the great advantages of "growth insurance" and "insured dividends"! And the company will send the dividend report to customers on time every year, so that customers can fully understand their own interests! Really responsible for customers! Really let customers experience the huge benefits brought by "capital preservation dividend" compared with "cash dividend"! Our slogan is: "Find reasons to settle claims for customers", and truly "trust in your heart and do your best"!
2. Xinhua long-term insurance will go through three stages, namely, grace period, suspension period and termination period, from the date of expiration, if the premium is not renewed.
(1) grace period: it means that within 60 days from the due date, the insurance can still make claims, and the claims will be made as usual. Surrender within the grace period is generally related to the insurance company's clear provisions on cash value. The cash value given by surrender during the grace period of renewal is different every year, so the refundable premium is also affected by this. Under normal circumstances, the later the insurance year of long-term insurance, the higher the cash value of the policy, and the more premiums will be refunded. If you still don't want to surrender and pay money within the grace period, you will enter the next stage.
(2) Suspension period: refers to a period of more than 60 days but not more than two years. If you are in danger during the period, you don't have to pay. You need to apply for reinstatement, depending on the terms of each insurance company.
(3) Termination period: After two years of termination, the policy will be invalid, and the premium can no longer be paid, nor can the policy be resumed. At this time, the cash value returned by the insurance company will be far less than all the premiums paid. Therefore, if we don't pay, China Life will face these three stages, and if we don't take timely measures, we will inevitably suffer losses.