I went to Ping An Li Hong (75 1) in 2002, and I have paid money every year in recent years. I would like to ask how much money I can get in return for these three years.

Brother Bao said insurance, focusing on insurance evaluation! First of all, release a wave of benefits and present the latest domestic hot critical illness insurance comparison table: the top ten insurance companies' "worth buying" hot critical illness insurance inventory!

Ping An Manulife returns 8% of the insured amount every three years. If you choose regular withdrawal, it will be returned to your account regularly. On the contrary, you can deposit the accumulated income in the insurance company first, and you can withdraw it in advance or at one time. However, it should be noted that the dividend income of dividend insurance is uncertain. Whether this kind of insurance is so cost-effective depends on the product.

Ping An Li Hong is the first dividend insurance offered by Ping An Company. What is all risks? Life and death, both life and death. That sounds very attractive. But is this insurance really that glamorous? I don't think so! If you don't believe me, read this article: Is China safe? Do you have any insurance recommendations?

So can endowment assurance of Ping An Li Hong be eye-catching? Have a steak ~

The following figure clearly lists the warranty of this product:

From the above picture, we can generally see the following advantages:

1. The insured amount is returned once every three years and can be taken out at any time.

2. There is a policy bonus, which is more exciting for many people.

Let's talk about the disadvantages first: let's look at a set of real data:

1. There are not many minimum living allowances. According to the above friend's insurance policy, the annual premium is 4460 yuan, which is 89200 yuan for 20 years, and 4000 yuan will be returned every three years. How long will it take to earn the premium back? 66.2 years?

2. The policy dividend is uncertain. According to the business situation, the income share is uncertain, or there is or there is no, more or less. So, no one knows how much money they will get in the end

Therefore, many people have the idea of surrendering after learning the truth, but surrendering is only a part of the premium, and a huge sum will be deducted. Is there any other way besides surrender?

It is better to reduce the amount as much as possible and pay it off. After reducing the basic insurance amount of the contract, there is no need to pay the premium, and this main insurance contract continues to be valid. How to spend the rest of the premium yourself? Isn't it more cost-effective to buy guaranteed insurance or concentrate on financial management?

I have to remind you again that you should think calmly before buying insurance and follow the principle of "guarantee first, then manage your finances". In order to avoid losses, you should make the right decision before buying insurance. I have compiled a super insurance strategy, you can have a look ~