Description: Ping An Fu 20 14 health protection plan consists of Ping An Fu whole life insurance, Ping An Fu's advance payment of critical illness insurance, Ping An Additional Long-term Accidental Injury Insurance (20 13), Ping An Additional Accidental Injury Medical Insurance (a) or (b) and Ping An Additional Premium Exemption Critical illness insurance (b, 20 14).
Characteristics of Ping An Fu Insurance
As a new type of insurance protection product, Ping An Fu Health Protection Plan not only continues the consistent advantages of Ping An insurance products, but also embodies its own characteristics: low premium, high security and full responsibility. With Ping An Fu, customers can enjoy lifelong protection and lifelong critical illness insurance, covering 29 major diseases associated with men and 30 major diseases associated with women. Ping An Fu's liability for accident protection is extended to 70 years old, and the scope of accident and disability protection is as high as 28 1. More humanized, Ping An Fu also provides driving accident protection. The insured can get double the basic insurance amount if he has an accident while driving, taking a non-operating private car or taking public transport.
Question and answer on the serious consequences of Ping An Fu's 30-year expiration
1, Ping An Fu whole life insurance product, what's the difference between 20 years and 30 years?
For the same amount of payment, 20-year premium payment is more expensive than 30-year premium payment, and this insurance is deductible. If there is a risk during the guarantee period, the remaining premium will be exempted. The longer the payment time, the better it will be for customers. I suggest you pay it in 30 years.
2. Can Ping An Fu refund the principal when it expires?
If Ping An Fu surrenders in the second year after the payment expires, the cash value is not equal to the paid premium, but less than the paid premium. If it reaches a certain age or the guarantee period has ended, then its cash value is greater than the premium paid. Insurance itself is a guarantee. Insurance is a medium-and long-term investment, not as flexible as banks. When there is a risk accident, the function of insurance appears.
Note: Policy loans or policy pledge loans can be used to solve temporary emergencies, so as to reduce losses and keep the policy valid.
3. Buy Ping An Fu for 30 years. Can I withdraw money after 30 years?
It's not a generalization. I need you to read the insurance contract and follow it. This important issue will be clarified in the contract.
3. Can Ping An Fu pay back the principal after 30 years?
Ping An Fu is guaranteed insurance, not financial insurance, nor endowment insurance, so it is equivalent to surrendering the insurance after paying for 30 years. Surrender is to return the cash value of the policy in the current year. You can see the cash value at the end of the 30th policy year on your policy, that is, the money you surrendered. The cash value of guaranteed insurance is relatively low. If you surrender your insurance just after 30 years, you won't get your principal back. You can look at the cash value table, which will be very clear. Therefore, when buying insurance, you must distinguish what insurance you are buying and whether it meets your own needs. The consequences of Ping An Fu's 30-year expiration are not serious. If in doubt, please consult China Ping An Life Insurance Company of China Insurance Company!
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.