Ping An Insurance Loan Method:
During the validity period of the main insurance contract, you can apply for a policy loan with the maximum amount of 80% of the cash value of the policy at that time with the consent of the company. You can borrow money through this project if necessary.
Customers go to the customer service center to consult the customer service center of China Ping An Life Insurance Company of China Insurance Company and the cooperative bank, and make an appointment to go to the counter.
Documents to be prepared:
When the applicant and the insured are the same person:
Application for change of insurance contract (policy loan/repayment)
Identity documents of the insured.
A current settlement account with the applicant as the account name.
When the applicant and the insured are different persons:
Application for change of insurance contract (policy loan/repayment) (if the insured is not authorized, the insured must sign it)
Identity documents of the insured.
A current settlement account with the applicant as the account name.
The identity certificate of the insured
The customer entrusts a salesman or other person to handle it at the customer service center.
Documents to be prepared:
When the applicant and the insured are the same person:
Application for change of insurance contract (policy loan/repayment)
certificate of appointment
Identity documents of the insured.
Agent's ID card
A current settlement account with the applicant as the account name.
When the applicant and the insured are different persons:
Application for change of insurance contract (policy loan/repayment) (if the insured is not authorized, the insured must sign it)
certificate of appointment
Identity documents of the insured.
The identity certificate of the insured
Agent's ID card
A current settlement account with the applicant as the account name.
Expand knowledge:
applicant
Policy-holder (if the policy-holder and the insured are not the same person and the insured is not authorized, the insured must authorize)
Acceptance time
Within the validity period of the policy
Important note:
1. If the insured has authorized it, there is no need to authorize it again;
2. When entrusting a salesman, the trustee is limited to the service personnel of any valid policy under the customer's name;
3. When entrusting others, the trustee is limited to the applicant's parents, spouse, children and other immediate family members.
List of interest rates for policy loans and self-raised funds
Two. Ping An Bank's Policy Loan
1. Ping An policy loan application conditions: 1. Loans cannot be used for policies that do not generate policy value reserves, policies with premiums less than one year, policies with small cash value in accounts, policies that have been reduced and paid off, and policies that have expired. It depends on the specific regulations. 2. To use the insurance policy as a loan, other loan conditions must be met. For example, the age of the insured in the insurance policy cannot be lower than 18 years old, nor can it be higher than 60 years old. 3. Savings policies can be used for loans, such as life insurance, dividend insurance, pension insurance, annuity insurance and other policies. abstract
China Ping An Policy Loan Process
Hello, my friend, please wait for an answer.
How long will it take? Ask a question
First, Ping An policy loan application conditions:
1. Policies without policy value reserve, policies with premium less than one year, policies with small cash value in accounts, policies with reduced paid-off amount, and expired policies cannot be used for loans, depending on specific regulations.
2. To use the insurance policy as a loan, other loan conditions must be met. For example, the age of the insured in the insurance policy cannot be lower than 18 years old, nor can it be higher than 60 years old.
3. Savings policies can be used for loans, such as life insurance, dividend insurance, pension insurance, annuity insurance and other policies.
answer
Child 18 years old? No, there is no answer.
Under eighteen. Can parents use it for loans? Ask a question
Yes, if you are the insured, you can answer.
The applicant is the mother of the child. What is the cash value in the account? Can you introduce it in detail? Ask a question
Do you have that form? Send it up and see the answer.
Hello, my friend, but I answered what the annual cash value is.
Simply put, the cash value is the money you can get back when you surrender.
When many people surrender their insurance, they find that they have paid for several years and only refunded a little money. That's because when we surrender, we get the cash value instead of the premium.
We usually pay the insurance premium, which usually has a payment period of 20-30 years, and the annual premium is the same. After the insurance company deducted the premium we paid in the early stage from the insurance protection cost and the company's operating cost, the remaining money was rolled over at a certain interest rate, forming a cash value.
Generally speaking, in order to control the surrender rate, insurance companies will lower the cash value of previous years, that is, pay less premiums.
answer
The cash value means how much your policy can be worth in which year.
3. Is the vehicle information in Ping An Bank's vehicle loan insurance policy wrong?
Go to the vehicle registration information office of the lending institution and apply for information change.
Contact the relevant staff as soon as possible. If the insurance company can't change the mode, can it only be noted?
Ask the lending institution if it can. You can operate if you can admit it.
4. How to get a loan from Ping An Policy? I've paid it for six years, and I pay 2500 a year. Then how much can I borrow? ...
Hello! The policy loan can be 80% of the cash value of the loan. See if your Ping An account pass is advanced. If it is advanced, you can handle it there. If not, you must contact your policy service personnel to handle it for you.