There are many bonus pits, so you must buy them carefully. The senior insurance consultant team summed up these experiences → "Why do many people buy dividend insurance but want to surrender? What are the tricks of dividend insurance? 》
When you buy Taikang Life Insurance Man Cang B Annuity Insurance (dividend-paying), you can get the following protection during the insurance period:
(1) survival insurance. If the insured survives on the effective date of each year or the corresponding date when the insurance period expires, we will pay the beneficiary the survival insurance money.
(2) Dividends. The insurance company distributes a bonus to its customers once a year. Dividends are uncertain or may be zero. The insurance company will distribute the surplus of actual operating results superior to the pricing assumption to the insured according to the proportion of not less than 70%.
Unless otherwise specified, the dividend payment method defaults to accumulated interest, that is, dividends will continue to be paid within the validity period of the contract, and the dividends retained by the company will accumulate interest in the form of compound interest.
The product will return the principal and pay dividends at maturity. If you don't need money urgently, it is recommended to hold it for 10 years (you don't need to pay the premium after 5 years). After 10 years, you can get the full-term insurance premium (your accumulated insurance premium is the principal) and dividends.
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