Daily insurance is a good start to surrender, mainly depending on personal needs. Generally speaking, it is divided into several details:
1, with no loss of principal: generally, the guarantee period of main insurance is relatively short, 8 years or 10 years. Surrender after 8 years will generally not lead to loss of principal, but there will be no gain;
2. Improper surrender: If it is necessary to surrender without loss, it must be returned within the hesitation period. Long-term insurance generally has a ten-day hesitation period, which is similar to that when we buy something for seven days, there is no reason to return it. If you surrender your insurance within this time, you can return the premium you have paid;
3. Good income surrender: Insurance is the cornerstone of family financial planning and the firewall of family risks. If you want to surrender, it actually means the failure of previous financial planning. Generally, the elderly are in urgent need of money, and you can only surrender your insurance if you plan your pension well.
In fact, when is it more appropriate to watch Xinxiang surrender in the future? Mainly depends on the expected income, divided into the following categories. We take Xinxiang's future products as an example:
If a 30-year-old man buys the 2023 version of China Life Insurance-and enjoys the future, he will pay 65,438+million every year for three years. According to the capital preservation, mid-range and predetermined interest rate, see when Xinxiang enjoys the future surrender. See cash value statement for details:
1, I don't want to lose the principal, but I feel that I bought the wrong product: China Life Insurance 2023 made a good start-enjoying the future old-age security. The main insurance is satisfactory, and the additional insurance is a universal account. If we think that this kind of insurance has high safety, but low income. If you don't want to lose blood in the early stage and Xinxiang enjoys the main insurance in the future old-age security for a minimum of 8 years, then according to the previous calculation, there will definitely be no loss in 8 years. Generally, it will be returned in late 6 years and early 7 years.
2. Pension distribution: If the family conditions are good, plan for the future, avoid being forced to lower the quality of life after retirement and enjoy the future. The older the endowment insurance, the higher the rolling interest. Suppose he is insured at the age of 30, and after 40 years of rolling savings, he is weak in making money around the age of 70, and pays 654.38+million yuan every year for three years, calculated according to the intermediate interest rate. You can get141.110,000, and the IRR value is almost 3.94%, which is almost matched with the IRR value of 3.95%. You want to pursue higher income, or you don't have the money to leave for 30 years, so surrendering around 70 is a better choice.
The content analysis of when Xinxiang will surrender in the future is introduced here. The above is a demonstration of the expected income of insurance.