Of course, there are also concerns that there is really no money to continue to pay premiums.
Don't worry at this time, universal insurance is characterized by flexible payment.
If you have money, you can continue to pay and come to support the elderly in the future.
If you don't have money, you can not pay for the time being. As long as the money in the account is not deducted, the guarantee will always exist.
You can call 955 1 1 to inquire about the specific deduction.
Let me make it simple.
The procedure fee.
No. 1 50% of the annual installment fee of the policy year,
In the second policy year, 25% will be paid annually.
In the third policy year, the annual payment is 15%.
The annual payment for the 4th-5th policy year is 10%.
Pay 5% every year in the sixth and subsequent policy years.
Guarantee cost: This calculation is different. You can call 955 1 1 for consultation.
I can only say that according to your aunt's insurance policy, tens of dollars are deducted a month and hundreds of dollars a year.
Note:1:The part within 6000 is deducted according to this ratio, and the part above 6000 is deducted by 5%.
There is something wrong with the keyboard, that's all. You can say your questions.
Hello, since you are also a colleague in the insurance industry.
You should know that the products of any insurance company can only be issued after being examined by the CIRC.
Aside from other insurance companies. China Life Insurance ranks first in China.
China is safe, followed by domestic insurance, and non-state-owned enterprises are the first.
The insurance products launched by the two companies will not have much difference in protection and yield.
China Life Credit Suisse endowment assurance (Dividend Type) and
Ping An An An Zhiying Life Insurance whole life insurance (Universal)
I don't need to say the former. You must know this better than I do.
The latter, your aunt is insured at the age of 35, and the premium is more than 6000 per day.
I have an example in my hand, which is closer to your aunt. You can learn about it.
Someone is 30 years old and pays 6000 yuan premium every year for 20 years.
I don't need to say anything in the early stage, you know, right?
So 30 years later, when he was 60.
In the case of medium policy income, his declared value is 253453
If you die at this time, you can get compensation of 253453 *1.05 = 266125.
Of course, he can also withdraw 253453 directly at the age of 60, and the policy contract is terminated.
If he dies at the age of 70, the declared value is 400688, and his family can get 420722 compensation.
Of course, he can also take out 400688 directly and terminate the policy contract.
Note 1: Medium income, and universal insurance has the lowest income. The products before Ping 'an were all above middle income. According to the current development of China, it is not difficult to reach the standard of middle income.
Note 2: The termination of the policy contract means the termination of the contract.
In addition, for yourself: if you decide to do insurance well, it is absolutely necessary for you to know the main products of other insurance companies. A qualified insurance agent should not only sell our products.
There is no absolute difference between good and bad insurance products.
Just to see if it is suitable for the insured and the insured.
When the insured buys your company's products, it should be you, your major and your enthusiasm to gain the trust of the other party.
Not only because you are an employee of China Renshou.
If customers only look at the company's insurance, then why does PICC still work so hard to compensate insurance agents? They just go to the talent market to grab a lot.