Total cash value = guaranteed cash value+accumulated annual bonus+overdue bonus. If there is no payment, the amount that can be recovered when surrender is required for other reasons.
For the policy dividend, it refers to a dividend given to the policy holder on the basis of guaranteed insurance amount, which is divided into annual dividend and maturity dividend. In fact, the insurance company will give you a certain percentage of return from your investment, because this part depends on the company's benefits in that year, so it is not guaranteed. Among them, the annual dividend is a dividend that can be used when the policy is unpaid or surrendered, which is liquid; The due bonus can only be withdrawn after the policy is paid or paid. This is a policy that has existed since the tenth year. For example, you were insured on 20 15, and this maturity bonus began in 2024.
In fact, the most effective way to question the insurance policy is to ask your agent, and he will definitely explain it to you.
Question 2: What are the two mainstream dividend modes of the insurance dividend mechanism in Hong Kong? They are the original dividend and final dividend of British insurance policies, and the cash dividend of American insurance policies.
Returning the original bonus and the final bonus means that only when the applicant requests to stop the policy can all the bonuses be fully recovered, and the final bonus is special, and 50% of the bonuses can be recovered halfway;
Cash dividend is a way to deposit the dividend into the insurance company in cash and take it out at any time without affecting the effectiveness of the policy.
The expected income of the former is much higher than that of the latter, while the latter is extremely flexible. Both can only be extracted, not stored.
Question 3: What about Fu Wei insurance in Hongkong? The insurance industry in Hong Kong started from 184 1 and has a history of 170 years. Up to now, according to incomplete statistics, there are more than 260 insurance companies, more than 60 life insurance companies and more than 600 insurance brokers and agents in Hong Kong. Among them, there are many internationally renowned insurance companies like Prudential, AXA and AIA in Hong Kong.
Hong Kong insurance and mainland insurance are two completely different insurance concepts and systems. The emergence of today's topic, a correct view of Hong Kong insurance is based on the similarities and differences between the two places. If we take an objective and fair attitude, we should look at the insurance between the two places from two aspects.
Both places have their own advantages: short-term interests vs long-term interests.
Take the critical illness insurance in two places as an example.
Hong Kong Insurance assumes that an 8-year-old boy buys child savings insurance, and the total premium is about RMB470,000. The insurance coverage of the two policies issued by Hong Kong Company B and Mainland Company G is 50,000 US dollars (equivalent to RMB 307,600, price 1 US dollars = 6 1523 yuan, the same below) and198,600 yuan respectively.
The education fund or guaranteed cash received each year will be returned by Hong Kong Company B after five years until life; Continental G Company returned to 17 years from the year of insurance. Which of these two ways is more cost-effective, is closely related to the expectations and working and living conditions of the insured.
By the end of the policy year of 13, that is, after the insured reaches the age of 2 1 1, the accumulated cash received by Hong Kong policy B 13 is USD 23,500 (equivalent to RMB144,580).
The mainland G policy is 252,654.38+0.6 million yuan, with a gap of nearly 1 times.
Judging from the amount of cash received at this stage, the mainland policy has completely won.
If the insured wants the education fund to play its role as soon as possible, it is more appropriate to choose this policy in the mainland.
If the insured wants to leave a long-term and effective reserve fund for their children, the policy design in Hong Kong is more suitable for their needs.
Suppose the insured of Hong Kong B policy surrenders at the age of 30, and the total cash value of the policy is $274,000.
Together with the $49,000 already received, the total amount is $323,000 (equivalent to RMB 6,543.8+0.987 million).
As the insurance policy of Company G in the Mainland no longer pays the education fee after 2 1 year-old, it can receive the maturity insurance premium of 465,000 yuan until the age of 45, plus the previous premium of 2.5210.6 million yuan, and the total amount is 710.7 million yuan.
At this stage, Hong Kong's policy rate of return is much higher.
The above comparison shows that there are many differences in savings insurance products between the two places.
One: The cash value of most policies in Hong Kong is zero in the first two years, while the cash value of mainland insurance plans is rarely zero in the first two years. For example, the retirement insurance plan mentioned above has a cash value of 34,300 yuan in the first year.
Two: Insurance protection in Hong Kong is life-long, while the protection period of savings insurance schemes in the Mainland is very long. For example, children's growth insurance is more common to protect 22, 25, 30 and 45 years old, and there are few products to protect 60 and 80 years old.
Evaluation: The difference in cash value largely reflects the differences in the insurance market environment and business philosophy between the two places. The cash value is zero, which shows that Hong Kong insurance companies have strict control over surrender risk. However, due to the poor risk awareness of the public and the improper sales methods of some mainland marketers, mainland insurance companies often have to invest more resources to deal with the risk of surrender.
Third, the expenditure on insurance products in Hong Kong is obviously lower than that of mainland products, which can provide customers with more protection and survival benefits, and the profit rate is slightly lower than that of the mainland.
Evaluation: The final dividend difference is also one of the main differences between the two places. The final dividend demonstrated in the insurance policy is generally not guaranteed, and sometimes the actual rate of return of some insurance companies will not reach its demonstration rate of return, but overall, there are many investment channels for insurance funds in Hong Kong, and the investment rate of return is generally higher than that of mainland insurance companies.
There are many reasons why the prices of insurance products in the two places are different. Policy pricing needs to consider many factors such as predetermined interest rate, life table, expense rate and profit rate. Generally speaking, the predetermined interest rate of mainland insurance products is higher than that of Hong Kong companies, but the predetermined rate of return may also be higher than that of Hong Kong companies. In addition, there are differences in life tables between Hong Kong and the Mainland, and Hong Kong has wider investment channels for insurance funds, which will also affect the determination of premiums.
After studying the insurance policies of the two places in detail, some experts believe that in order to solve the consumer education problems such as whether to buy insurance in the mainland market, it is necessary to invest in market education ... >>
Question 4: What does PICC Life Good Life Annuity Insurance mean during the dividend insurance period? Lifelong insurance: that is, lifelong death insurance, which is a kind of death insurance, takes the death of a person as an insurance accident, and when the accident occurs; Insurance in which the insurer pays a certain amount of premium. Death insurance is to prevent family members or people living on their income from getting into trouble because of the death of the insured. Life insurance is an indefinite death insurance; After the policy is issued, the insured dies at any time, unless the payable premium is not paid or the payment is stopped in advance due to the termination of the contract: the insurer has to pay the insurance premium. Compared with term death life insurance, whole life insurance has the following characteristics: (1) Every effective policy is bound to be paid; (2) The premium rate is higher than that of term life insurance; (3) saving. Life insurance is long-term insurance, and all policies have cash value; It has certain savings elements and is suitable for people who need lifelong protection and savings.
Question 5: Does the non-guaranteed cash value of insurance in Hong Kong include bonus? The total amount includes deposit plus accumulated annual bonus plus special award.
Question 6: There are two kinds of dividends: annual dividends and final dividends.
Surrender one year in advance, and get the last dividend according to the coefficient of the last dividend insurance amount *, which is less than the last dividend;
Question 7: Ping An Li Hong Life Insurance (dividend type) payment 1796, 20 years, the insured amount is 20,000 yuan. How much will you get in 20 years? Li Hong is a long-term life insurance, and it is not supported to repay the principal halfway! So I can't get my principal back for 20 years!
Shanghai is the same city. If you have any questions, you can find the contact information in your profile!
Question 8: I bought Taikang Fortune Life D life annuity insurance (dividend-paying type) with a term of 15 years and paid the premium. Every company has different loan requirements! Borrowing from a policy company can only bring the cash value of the policy!
Question 9: Y's lucky product is guaranteed100000, which will be paid in 20 years. At the end of 20 years, will it triple, will the bonus triple, and will it triple at 40 points? Where did the bonus go?
Different family expenses, different family structures, different family information, unborn urban environment, different future expectations, different occupations, ages, different genders, parental responsibilities and so on. Together, determine what kind of insurance a person is suitable for.
Question 10: The child is 3 years old and wants to buy insurance. I don't know what insurance is good, and I can get a rebate every year. The sooner you buy insurance, the better. The longer the coverage, the cheaper the premium. As for which insurance is good, it's hard to say. You have to shop around to find your most satisfactory protection. The Education Fund recommended Prudential's "continuous income" high savings dividend plan. From the fifth anniversary of the policy, this plan will enjoy the guaranteed cash equivalent to 3% of the insured amount every year for life. When the insured 19 is one year old, an extra cash equivalent to 20% of the insured amount will be distributed as a fund for children's higher education. When the policy has been in effect for five years (inclusive), the last bonus will be paid when the death compensation is paid, and the policy will be cancelled or terminated. Take a 3-year-old boy as an example: annual premium 10000, payment 10 year, total premium 10000, and insured amount of 59400. By the fifth year, guarantee cash of 3% of the insured amount will be paid, that is, 65,438+0782. At the age of 19, an additional 20% of the insured amount can be guaranteed, namely 1 1880. If the cash has not been received before, it will continue to be deposited in the accumulated interest-bearing account for interest. When the child is 19 years old, all the cash value150,000 can be taken out for the education fund; Or when the child is 33 years old, accumulate 370,000 cash values for the child; Or when the child is 65 years old, accumulate 3 1.2 million for the child as a retirement pension fund. In addition, the increase or decrease of premium is directly proportional to the insured amount, such as halving the insured amount and halving the premium, which is convenient for calculating the insured amount you want and the premium payable.