Schoolboy Talks Insurance, specializing in insurance assessment! This latest 2020 comparison table of 35 participating insurance and 101 mainstream critical illness insurance products is for those who read this know answer "35 Participating Insurance and 101 Hot Critical Illness Insurance Products PK", for those who read this know answer.

We've heard about participating insurance countless times from agents, but what exactly is participating insurance, many people don't know! The following follow me to give you a detailed analysis of participating insurance:

Participating insurance is that the insurance company will be "distributable surplus" in accordance with a certain percentage, in the form of cash or value-added dividends, a kind of insurance is distributed to the customerThis is the characteristics of participating insurance, both financial management and protection.

Just listening to the word "participating", is not a good feeling, they paid the money, not only protection, but also dividends, but we often buy by the demonstration rate of interest confused, in fact, almost no one can get the expected return.

The reason for this is that people do not know that participating insurance has these two qualities:

First, the policy dividends, is not certain, there is a possibility that you can not get.

Secondly, the dividend pool is not transparent.

The existence of these two features, so that the customer can get the dividends into an unknown, but also so that the dividend insurance has become the most complained about the type of insurance, before I wrote the article Participating in the insurance actually have such a high rate of complaints? " all gave a clear explanation.

In the final analysis, participating insurance is not suitable for everyone to buy, so we recommend that you do not blindly insured!

The above is my answer to the question "May I ask the Ping An Xin Sheng whole life insurance (participating) in the additional accidental injury insurance and accidental medical insurance to pay the same annual premium?" The whole answer, hope to adopt!