Under normal circumstances, the dividend of dividend insurance (calculated by low-grade dividend), if the survival fund has been accumulated until the end of the policy, plus the expired fund of the policy, the total amount will not be lower than the total premium, which seems to get the principal back, but strictly speaking, insurance has no principal.
Huaxia Fu is a life-long health protection product recently launched by Huaxia Life Insurance, which provides 82 kinds of serious diseases and 42 kinds of mild diseases, and can receive paid premiums at the age of 88.
Term insurance, if there is no insurance accident on the expiration date, the insurance contract will be terminated and the principal will not be refunded.
For endowment assurance, compensation for insurance accidents can be obtained before maturity, and the principal or insured amount can be recovered if there is no insurance accident at maturity.
Extended data:
Huaxia Fu Insurance Specific Protection:
1, death/total disability protection: the user1will refund twice the premium before the age of 8; /kloc-after 0/8 years of age, the highest of the insured amount, premium paid and cash value.
2. Birthday payment: When the user survives to the age of 88, the premium paid will be returned, and other guarantees are still valid.
3. Mild illness protection: 42 kinds of life-long protection for mild illness can be paid up to three times, which are 25%, 30% and 35% of the basic protection in turn. After the first payment for mild illness, the subsequent premium will be exempted.
4. Serious illness insurance: 82 kinds of serious illness (including terminal illness) are guaranteed for life, with 200% for those who suffered from serious illness before 18,160, 100% for those who suffered from serious illness after 60, 120%.
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