Joke Collection Website - Talk about mood - In 2007, I bought a universal life insurance policy for Cai Hua in the Pacific, and I paid 6000 yuan every year.

In 2007, I bought a universal life insurance policy for Cai Hua in the Pacific, and I paid 6000 yuan every year.

Hello.

First of all, you can rest assured that if you don't continue to pay for this insurance, you won't surrender it within three years, and there is basically no loss. As for what you said that money will be deducted after three to five years, it doesn't exist. This sentence is definitely not told by the customer service of 95500. It should be that the customer service lady didn't explain clearly, which led to your misunderstanding.

In fact, not only CPIC, but also most salespeople never mention the initial cost when selling universal insurance. It was not until June 65438+1 October12009 that the new Insurance Law came into effect that the salesmen of insurance companies were legally required to state the "initial cost" when selling universal insurance. Even so, many insurance salesmen now sell universal insurance and will not mention the initial cost. Because universal dividend insurance is special and prone to disputes, in 2007, CPIC has completely stopped selling this insurance in the life insurance series.

Let me explain universal insurance to you in detail, which will help you understand and be regarded as a defense for our company. At the same time, I apologize to the salesman for not explaining this insurance clearly at that time.

Caihua Life Insurance is a pure dividend universal financial insurance launched by China Pacific Insurance in its early years.

His method of payment is very flexible. You can always pay, or you can choose to pay for a few years and then stop paying. The insurance company will pay dividends according to the annual operating performance, which is the main source of your income.

Deduction includes initial fee, account management fee and guarantee fee.

1. initial cost: the insurance company deducts the corresponding initial cost of the current year in each payment year.

The ratio is as follows:

Policy year:123456-1kloc-0/1policy year and beyond.

Deduction ratio: 50%20% 10%8%8%4%0

To put it simply, you paid 2000 yuan in 2007, 50% in the insurance company, 20% in 2008 and 2009, and the insurance company 10%.

I don't know if you can understand this explanation, but it's not what you understand. Your initial expenses will be deducted every year.

2. Account management fee: The account management fee is 5 yuan per month, which is equivalent to 60 yuan per year. This will always be deducted as long as the policy is valid, but you can rest assured that this will basically not affect your income, and there will be no situation in which all the money will be deducted after three to five years. I will explain it in detail later.

3. Guarantee fee: I want to mention the amount of insurance you mentioned here, which is the death compensation that the salesman told you.

Actually, you don't have to call 95500. On the first page of your insurance contract, there is a guaranteed amount. This is what you agreed with the insurance company when you insured, and you can change it later. As for the specific amount of protection now, it is really necessary to call 95500. But it's definitely not what you said. It is impossible without insurance. Because of the insurance amount, he is still an insurance policy, and the insurance amount will be deducted every year. This is also very cheap. I can't tell you the exact value because I don't know your age, gender and insurance coverage. Let me give you an example. A 40-year-old man, the insured amount is 65438+100000 yuan, and the insured amount cannot be deducted from 23 yuan every year.

If you have been paying continuously from August to September, 2007, I will tell you the calculation method of your account balance, which is simply expressed in words:

Account balance = (payment in the 65438th year+deduction of guarantee fee in the 0th year-65438th year+deduction of guarantee fee in the 0th year -60 yuan+dividend in that year)+(payment in the 2nd year-deduction of guarantee fee in the 2nd year -60 yuan-guarantee fee+dividend in that year)+(payment in the 3rd year-deduction of guarantee fee in the 3rd year -60 yuan-guarantee.

According to the formula you encounter, you can figure out what your personal account is now.

If you make three consecutive payments from 2007 to 2009, and the total payment is 6,000 yuan, the balance of your current account should be 4,220 yuan without deducting dividends and security fees.

As I said just now, because there is no detailed information, I don't know how much guarantee fee you deduct every year. However, suppose that 40 yuan's money every year is basically negligible.

Let's talk about the dividend part first: this insurance is universal. You can find out the yield of this insurance on the website of China Pacific Insurance. The annualized rate of return was about 4.7 in 2007, 5.5% in 2008, 3.8% in 2009 and 3.8% in 10.

In other words, the yield of this insurance is still good. So even if you don't renew your insurance now, you will still get benefits every year. The protection fee deducted in the early stage will be made up by dividend income in the later stage, but the speed of returning to the capital will be slower. If you have the ability to continue to pay the insurance premium, you'd better pay it for a few more years, at least five years, even better if it is ten years, because the initial expenses deducted later are less and less, which means that there will be more and more money in your personal account, and the earlier you return it, the higher the income.

Moreover, as a universal dividend insurance, it is guaranteed at the lowest interest rate, and the guaranteed interest rate is 2.5%, which is the highest among all universal insurances of all insurance companies. The minimum guaranteed interest rate for universal insurance of other companies is basically 1.75%.

For example, if Pacific doesn't make money this year, the insurance company will give you interest at 2.5%.

Maybe you play a little too much. I don't know if you understand.

If you still don't understand, I will simply tell you, just remember these questions:

1. Death coverage: You can call 95500 to ask, what is the death coverage of this insurance? He will tell you that this is definitely not what you understand. (In this universal investment dividend insurance, the lower the death insurance coverage, the better, so that the less protection expenses will be deducted every year and the higher the income.)

2. Personal account value: The money in your personal account value is your own money. You can call 95500. Check, you paid 6000 yuan, and now the account value of the policy is yours. I certainly won't say that all the money will be deducted within three to five years and the insurance will be terminated.

With all due respect, did any company salesman mislead you?

At least most customers are very satisfied with our company's dividend. However, it should be noted that because your annual payment itself is very small, the dividend may be less and the speed of returning to the capital will be slower.

In addition, it should be noted that if you surrender, it is recommended to go through the surrender procedures after 6 years. If you surrender in the first five years, there are two shortcomings:

First, your headmaster hasn't come back yet. Let me say one more thing here. Unlike fund stocks and gold futures, insurance itself has high short-term returns. Insurance focuses on long-term returns.

Second, the insurance company will deduct a certain fee for surrender procedures in the first five years, and no fee will be deducted for surrender after the sixth year.

It took more than an hour to type so many words. Although you didn't give any marks, and you are not in Beijing, just because you are a customer of China Pacific Insurance, each of our salesmen has the obligation to serve you.

I hope my answer can help you. If you have any questions, please feel free to communicate.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.