Analysis of China Ping An Life Insurance Company of China Insurance Company Agreement;
The agreement you signed with China Ping An Life Insurance Company of China Insurance Company is that you will pay a fee every year to ensure that your value is three times the insured amount. Only a small part of the premium you pay is used for savings preparation, and most of it is used for compensation when other customers who buy insurance claim. Therefore, only when your insurance expires can you get the money according to twice the insured amount. All you can get now is the annual bonus and the cash value of the policy. Unless you want to use this policy to make a policy loan or unsecured loan to finance, you have no interest.
China Ping An Life Insurance Company of China Insurance Company China Insurance Introduction:
Ping 'an Xinxiang Old-age Security is a new type of dividend insurance launched by Ping 'an Group. The insured age is 0-55 years old. Customers can choose their own payment term and guarantee term. After the expiration of the guarantee period, they can get twice the basic insurance amount, and they can also choose to convert it into an annuity and receive it monthly or annually. If the insured dies within the guarantee period and reaches the age of 18, his family members can get three times the basic insurance amount and give economic compensation.
Development of life insurance:
There are four legal persons in life insurance transactions: the insurer, the insured, the applicant and the beneficiary. The insurer is usually an insurance company, and the applicant and the insured are often the same person. For example, Zhang San bought life insurance. He is both the insured and the insured. But if Zhang San's wife Li Si agrees to buy life insurance for Zhang San, Li Si is the insured and Zhang San is the insured. The insurer and the applicant constitute the parties to the life insurance contract, and the insured is the related party of the insurance contract. Another important stakeholder is the beneficiary. The beneficiary is the person who gets the insurance money because of the death of the insured. The beneficiary is not a party to the insurance contract, and can't decide whether he benefits or not, but is chosen by the insured. If the insured wants to change or designate the beneficiary, it needs the consent of the insured, and the beneficiary must accept the change.
: the basic explanation of insurance
Insurance law refers to the commercial insurance behavior that the applicant pays the insurance premium to the insurer according to the contract, and the insurer is liable for the property losses caused by the possible accidents agreed in the contract when the insured dies, is disabled, falls ill or reaches the age and time limit agreed in the contract. There are property insurance and life insurance. Except as provided by laws and administrative regulations, insurance companies and other units shall not force others to conclude insurance contracts.