2. Sunshine Insurance's ten-year dividend-paying products have both insurance protection and investment and financial management functions. Generally, healthy people between 30 days and 65 years old can be insured, which can provide you with protection from self-driving accidents, aviation accidents, major diseases and hospitalization. At the same time, after the insurance expires, you can get the full amount of insurance money.
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I. Features of Sunshine Insurance Products:
1. After paying in three, five and ten years, 4%, 6% and 8% of the basic insurance amount will be returned every year, and the income and safety are guaranteed. Dividends will be distributed, increasing every year, which will add joy to your happiness!
2. Return to the original state after expiration:
When the insurance expires, all the premiums paid will be returned+all the dividends accumulated will increase the income, accumulate wealth and realize the dream.
3. High-security escort
Twice the general accident protection, three times the self-driving accident protection and five times the aviation accident protection. You can also choose additional major illness protection and additional hospitalization medical expenses reimbursement products to fully protect health and financial management.
4. Flexible policy loan funds
When you are in urgent need of money, you can apply for a policy pledge loan to solve your urgent need, while still enjoying insurance protection, survival payment, annual dividend and other rights and interests.
5. Annuities receive pensions without worry.
When the insurance expires, you can convert some or all of the due insurance money you applied for into an annuity to help you enjoy your old age.
2. Can Sunshine Insurance get its principal back after ten years?
Sunshine insurance can't get back the principal. It can only be said that the insurance income you insured can reach or exceed your principal. At the same time, whether the insurance income can reach or exceed the principal depends on the type of insurance invested. If you need to surrender, you can check the cash value page of the insurance you bought to see if the cash value corresponding to ten years can exceed or equal to the principal.
If you buy critical illness insurance, it is best to pay it in 10, and the cash value will reach the principal for at least 30 years. If you buy incremental life insurance products, there is basically no problem in returning the cash value to the principal in the ninth year within the ten-year payment period, and there is no loss and no interest after paying the premium.