Your product belongs to dividend insurance, which is generally used for financial management, but it should be noted that many dividend accounts have good short-term returns and long-term instability. But the calculated income is 1.5%-2%, which is lower than the bank deposit. In fact, they are all their own premiums. This product has more depth.

If you want to buy a good annuity insurance (financial insurance), you need to look at these four aspects:

1, products with relatively high returns.

2. Choose flexible collection methods, such as supporting insurance increase and insurance decrease.

3. Look at IRR and choose the one with relatively high IRR.

4. See if this product can achieve the purpose we want (for example, as a pension, it will be collected after retirement, when are you going to retire, and the income will be different at different retirement ages).

1. You can learn about other rights and interests of Pacific Oriental Red:

(1) Annuity conversion: when the insured applies to terminate the insurance contract, all or part of the cash value at that time can be converted into an annuity, and the contract is terminated; Or when the beneficiary applies for contract insurance money, all or part of the insurance money can be converted into an annuity and the contract is terminated.

(2) Surrender: When the insurance contract is fully performed, upon the application of the insured and the insured, the insurer agrees to dissolve the legal relationship between the two parties determined in the contract, and the insurer returns the cash value of the insurance policy according to the contract.

(3) Claim: When the subject matter insured suffers from risk loss or injury within the scope of underwriting responsibility, the insured has the right to lodge a claim with the insurer.

(4) Surrender in hesitation period: Surrender in hesitation period means that the insured surrenders within the hesitation period agreed in the contract. Usually after deducting the production cost, the full premium will be refunded.

(5) Policy change: During the validity period of the policy, with the consent of the insured and the insurer, the relevant contents of the policy can be modified.

(6) Policy loan: refers to a loan method in which the insured mortgages the policy he holds to the insurance company and obtains funds according to a certain proportion of the cash value of the policy. Since the customer's insurance protection is not affected in the process of pledge loan, the policy is still valid.

(7) Policy dividend: This main insurance contract is a dividend insurance contract, and you have the right to participate in the distributable surplus distribution of our dividend insurance business. The policy bonus is not guaranteed.

(8) Automatic prepayment: When the payment cannot be continued, the insurance premium owed can be prepaid with the cash value, and the basic insurance amount remains unchanged. When the cash value runs out, the validity of the insurance contract will be suspended.

Second, after the insurance expires, if you want to get back the principal, different types of insurance have different requirements:

1. Pure consumption type (such as term life insurance) can't get back the principal;

2. Financial management is generally guaranteed, so it can be repaid at maturity;

3. everything depends on the amount of payment, the level of insurance, the age of the insured, etc. To determine whether it can be returned;

4. Serious illness and accidents (except consumption) are ultimately insured. As long as the premium is not upside down, it can be refunded.

Don't buy dividend insurance casually, you must buy it with the help of professionals, and colleagues should compare products more!