If you want to withdraw funds, you need to withdraw some cash value by reducing the insured amount after the hesitation period, or consider surrendering.
Then, I will give you a detailed introduction to the life winner annuity insurance B (dividend type).
If a friend doesn't know much about annuity insurance, take a look at this article: Is annuity insurance good? Is there anything to pay attention to? Do you have any good products?
Product protection diagram of life winner annuity insurance B (dividend type) paid first:
As can be seen from the above figure, the coverage of life winner annuity insurance B (dividend-sharing type) is relatively simple, and only the insured's survival insurance, death insurance and accidental death/total disability exemption insurance.
Among them, it is more practical to exempt the insurance money for the accidental death/total disability of the insured. As long as the insured suffers an accidental injury, and the accidental injury directly leads to the death/total disability of the insured within 180 days from the date of the accidental injury, the insurance company will be exempted from the premium payable in the later period.
We should know that the insured may not be able to continue to pay the premium after his death/total disability, but if he fails to pay the premium on time, the effectiveness of the insurance contract may be suspended or even invalid. With the protection of accidental death/total disability exemption of the insured, even if the insured encounters misfortune, the premium can be exempted as long as it meets the contract, and there is no need to worry about the premium problem.
Many friends may think that the insured is the insured, but is this really the case? After reading this article, you will know: What is the difference between the insured and the insured? Tell you the details in one article!
In addition, it should be noted that the policy dividend of life winner annuity insurance B (dividend type) is uncertain, because the insurance company decides whether to pay dividends according to the actual operation of dividend insurance business in the previous year. In other words, if there are dividends, they will be distributed; If not, it will not be distributed.
Therefore, don't think that you can get dividends every year by taking out dividend insurance.
For more information about dividend insurance, you can learn from this article: What the salesman won't tell you about dividend insurance.
Generally speaking, life winner annuity insurance B (dividend type) has some bright spots, but there are also some places to pay attention to. If you want to insure, you still have to decide according to your own needs.
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