When I went to China Construction Bank to make a deposit, I was stopped by the lobby staff. I said that the dividend-paying type of Mrs. Jin Shoushou of Jianxin Life Insurance is higher than that of bank time deposits in terms of old-age security, and there is a dividend every year, so I can get personal protection, so I went to do it. 5,000 yuan per year, 5 years, contract period 10 year. I wonder if I can get my principal back in the sixth year? How much is the annual dividend? Can you take it out halfway? After ten years, how much can I get with interest and interest?
Old-age security (dividend type) The issuing company of Jinfu Life Insurance is Jianxin Life Insurance Co., Ltd. This insurance is dividend insurance, which is suitable for people aged 30 days to 70 years. The payment period is 3 years, 5 years and 65,438+00 years, and the corresponding insurance period is 65,438+00 years, 65,438+05 years and 20 years, which can protect people from accidental injury and death. You can have a dividend with compound interest accumulated every year, but the dividend is uncertain.
You can get back the principal in six years, but you have to bear the risk of loss of the principal, which means that getting back the principal in six years is equivalent to surrender, and the insurance company will deduct a part from your principal, which is very uneconomical. The annual dividend can be retrieved, but the dividend income is uncertain, so your annual dividend may be zero, so it is better to accumulate interest with compound interest every year.
You should know that you bought insurance. The function of insurance is protection, and the income is often very low. Please remind the financial professional financial planner that the dividend of the insurance company is uncertain. If it is good, it can basically be equivalent to a one-year period. If it is similar, it may be lower or even zero. So after ten years, your interest with interest will probably be around 32,500 yuan. At present, the annual interest rate of bank time deposits is 4.75%, which is much higher than this income if it is deposited for 10 years.
company profile
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CCB Life Insurance Co., Ltd. (hereinafter referred to as CCB Life Insurance) is a professional life insurance company controlled by China Construction Bank Co., Ltd., headquartered in Shanghai. Other shareholders of the company include China Life Insurance Co., Ltd. (Taiwan Province Province), National Social Security Fund Council, China Yin Jian Investment Co., Ltd., Shanghai Jinjiang International Investment Management Co., Ltd. and Shanghai Hua Xu Investment Co., Ltd.
The company's predecessor, Pacific Antai Life Insurance Co., Ltd., was established in 1998. Over the years, the company has always adhered to steady operation, promoted value management, and its profitability ranks among the best among similar life insurance companies in China. The company has been committed to continuously improving customer satisfaction. Since its opening, it has put forward the service concept of "holding hands once and caring forever" and created a series of well-known caring service brands such as "caring angel" and "caring mother". 20 1 1 Due to the change of equity, the company was renamed CCB Life Insurance Co., Ltd. with the approval of the regulatory authorities.
As one of the first bank-controlled insurance companies in China approved by the State Council, CCB Life will rely on the comprehensive wealth management platform built by CCB, fully learn from the rich technology and experience of shareholders, deeply understand the safety and financial needs of individual customers and corporate customers, and innovate in institutional construction, product research and development, service system, etc., and strive to develop the company into a first-class national life insurance company in the shortest time, and provide comprehensive and high-quality insurance products and financial services to customers. [ 1]
2 enterprise memorabilia
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Anhui branch is now under construction, and the scale is expected to exceed 5000 people.
20 13-3- 18 Jianxin life insurance Sichuan branch officially opened.
Sichuan Branch is the eighth branch opened after the unveiling of CCB Life. By March of 20 13, CCB Life had its Shanghai headquarters and seven branches in Guangdong, Jiangsu, Beijing, Shandong, Shenzhen, Suzhou and Qingdao, and initially completed the layout of the three major economic zones: Yangtze River Delta, Pearl River Delta and Bohai Rim. The establishment of Sichuan Branch is an important deployment for CCB Life to realize the nationwide layout from east to west.
20 12-8 CCB Life paid 5 million yuan for a customer who insured the "worry-free loan" accident insurance, setting a record for a single payment of accident insurance in China. [2]
20 12-7-27 China CIRC approved the change of registered capital of CCB Life Insurance Co., Ltd. to RMB 4.5 billion.
20 12-6- 15 Jianxin life insurance Qingdao branch was formally established.
20 12-6-5 the trade union of Jianxin life insurance co., ltd was established.
20 12-4-6 the party Committee of Jianxin life insurance co., ltd was established.
20 12-3- 15 CCB Suzhou branch was formally established. (201August 17, transferred to Suzhou Branch)
20 13
15 10/5, Shanghai Insurance Regulatory Bureau held the "Top Ten Commendation Conference of Shanghai Insurance Industry". The customer service team of CCB Life Insurance Shanghai Business Headquarters stood out in the selection by virtue of its unique and warm all-round professional service, and won the honor of "Life Insurance Quality Service Window" in Shanghai insurance industry.
20 12
65438+February 18 The results of the "Eighth Shanghai Excellent Service Insurance Company Selection" sponsored by Jiefang Daily and co-organized by Shanghai Fudan University Financial Research Center were announced. CCB Life won the "Outstanding Service Award".
165438+1October 2 1 day, CCB Life won the "Most Growing Insurance Company" award at the 10th China Financial and Economic Billboard-Insurance Strategy Development Summit hosted by Hexun.com and jointly sponsored by China Securities Market Research and Design Center (SEEC).
165438+1On October 5th, the award ceremony of the 5th China Insurance Authority Selection Campaign hosted by the domestic mainstream financial media Caijing National Weekly was held in Beijing, and CCB Life won the award of "Best Growth Insurance Company".
3 Social responsibility
CCB Life donated 2 million yuan for the Ya 'an earthquake on April 20th.
2013 at 8: 02 on April 20th, an earthquake of magnitude 7.0 occurred in Lushan County, Ya 'an City, Sichuan Province. After the earthquake, CCB Life immediately launched an emergency plan for major natural disasters, adopted a series of emergency rescue measures, and decided to donate 2 million yuan to the disaster area for disaster relief. At the same time, personal accident insurance was presented to journalists and medical staff involved in disaster relief, with the insured amount of 500,000 yuan each.
Shanghai business headquarters donated money to the charity special fund of "life insurance hand in hand with you and me"
On July 28th, 20 12, nearly 2,000 agents from Shanghai business headquarters donated 74,000 yuan to the charity fund "Shanghai Charity Foundation Life Insurance Join Hands with You" jointly sponsored by Shanghai Insurance Regulatory Bureau, Shanghai Insurance Industry Association and Shanghai Charity Foundation. [4]
The company set up Jianxin Life Charity Fund to help disadvantaged children.
On July 22nd, 20 1 1, the unveiling ceremony of CCB Life was simple. On behalf of the company, President Zhao injected the remaining100,000 yuan into Shanghai Charity Foundation Jianxin Life Charity Fund to help poor children.
4 equity change
CCB Life Insurance, formerly known as Pacific Antai Life Insurance Co., Ltd. (hereinafter referred to as "Pacific Antai"), was approved by the People's Bank of China in June 5438+0997+00 and opened in June 5438+0998+00. Pacific Antai is the first Sino-US joint venture insurance company established in Chinese mainland after the reform and opening up, with a registered capital of 200 million yuan. China Pacific Insurance Company and American Antai Insurance Company each hold 50% of the company's shares. In 2000, ING became a new shareholder of Pacific Antai due to the acquisition of financial services and international business subsidiaries of American Antai Insurance Company. In 2002, Pacific Antai Capital increased to 500 million yuan, in 2006 to 700 million yuan, and in 2008 to 800 million yuan.
65438 On February 29th, 2009, ING signed the Equity Transfer Agreement to transfer its 50% equity of Pacific Aetna to China Construction Bank Co., Ltd. On February 27th, Pacific Insurance Group signed the Equity Exchange Agreement to sell 50% equity of Pacific Aetna to China Construction Bank and investors, and China Construction Bank acquired Pacific Aetna 20 10/%equity. After two transactions, China Construction Bank became the controlling shareholder of Pacific Antai. On July 6, 201/year, Pacific Antai Life Insurance Co., Ltd. was renamed CCB Life Insurance Co., Ltd. ("CCB Life Insurance" for short). 2011On July 22nd, CCB Life held an unveiling ceremony and announced its name change.
5 comprehensive ranking of companies
When the insurance industry encounters a cold wave, banks are insurance companies. As a professional life insurance company controlled by China Construction Bank. CCB Life Insurance Co., Ltd. successfully signed a general strategic cooperation agreement with CITIC Shanghai Branch, becoming the first bank-level strategic partner of CITIC Shanghai Branch. CCB Life became one of the top five life insurance companies with the largest increase in market share in 20 12, and its comprehensive ranking jumped to the ninth place in the market. [6]
6 social welfare
2065438+At 8: 02 on April 20, 2003, an earthquake of magnitude 7.0 occurred in Lushan County, Ya 'an City, Sichuan Province. After the earthquake, CCB Life immediately launched an emergency plan for major natural disasters, adopted a series of emergency rescue measures, and donated 2 million yuan to the Ya 'an earthquake-stricken area.