Ping An Insurance to launch online payment service

Ping An Insurance announced the introduction of 23 on-line business to pay premiums. China Merchants Bank as long as the policy holder and holder of the bank cards, individual life insurance to pay the premiums for renewal when the company can log on Ping'an site, on-line query their policy status, self-help to pay premiums for renewal.

Ping An Insurance of the person in charge of the project, the business is working for the majority of customer time, less free time of the launch of the situation. In China today has opened on-line payment of the cities Beijing, Shanghai, Guangzhou, Shenzhen and other cities in more than 20. This will also be further expanded.

Sansi Shi-year-old how to buy insurance?

There is a saying, "There are days of the ominous clouds, there were good and bad fortune overnight." In fact, a person's birth, is faced with a risk society. And one adult from the start in life at all stages of a bear different social responsibility. Some people have joked that there are three major modern worries  First, for too long to live, with their own money  Second, go early, with family money  Third, the twists and turns in the middle, we use the money. Although a joke, but there is a certain logic. In that case, if the insurance from the point of view, everyone in every phase of life, it is necessary to do a good job for their own "security risk" to allow life insurers to become all stages of life barriers.

25-year-old to 30-year-old life on a regular basis + accidental injury insurance at this stage is a single stage, but also business, is also one of the golden age of health, economic independence, the necessary economic responsibility is a relatively small. As a young man, when the demand for insurance should be mainly self-protection. The inexperienced young man, not a very stable income, mainly from the risk of accidental injuries, especially drivers, it can choose an additional life insurance on a regular basis accidental injury insurance, in the event of an accident or death due to illness, for family members, Parents to provide funds or a basic cost of living. During this period, old-age insurance can be slowed, more stable income, such as when to buy based on financial resources. Taking a panoramic view of the market, the insurance company has its own characteristics with the life insurance and accident insurance, accident insurance and additional years of general insurance premium to pay only several hundred dollars, "the smaller the age, the cheaper the premiums."

30-year-old to 40-year-old investment-type life insurance dividends + + children's accident insurance risk at this stage in life is a major turning point in the stage. Many people choose to get married around the age of 30, after the insurance needs to be escalated, at the same time also increased the financial management of the new concept. As the insurance industry, a lot of insurance products not only provide security, but also can be a financial management tool. At the same time, the stage is the stage of parents, children born to a family, and even referred to as "epoch-making" changes for the next generation to cultivate and nurture the whole family to become the most important thing. At this point, both husband and wife, either an accident, the entire family, as well as the impact of child life are great. Therefore, at this stage, life is the heaviest responsibility, the highest demand for insurance.

As a result, the entire family from the perspective of risk selection of insurance products, first of all, in order to ensure the healthy growth of children, as parents have the appropriate security, because in the early stages of life, parents are the best security barrier, the spouse who Or unable to work, it will greatly affect family life insurance at this time of the design, the general family of the main pillars of the economy mainly. Both husband and wife can choose to protect the life of higher life insurance and certain additional medical insurance and accident insurance. At the same time, consideration should be given to the future of pensions and housing loans, economic conditions permit, they can also choose to invest in dividend-type products. Second, the insured can choose for their children. To buy insurance for their children's education fund to be based on the children's risk insurance is designed for children are included in the next phase of the capital for development.

Need to be reminded that, not only for children insured at the expense of the protection of adults, if adults are accidents, for the purchase of children who are going to pay the insurance premium? If you do not pay premiums on time, then the children will not enjoy Corresponding to the interests of the insurance.

Policy loans into new personal finance

A couple with 2 copies of insurance policies, the loan insurance to 380,000.

Recently, who lives in Tianhe District, Mr. Shen encountered such a problem: As the much-needed money, he had to buy from the bank, and 80,000 yuan worth of savings-type insurance dividends surrender in advance, because the policy only lasted a year, insurance companies Mr. Shen refund of about 73,000 yuan, which Mr. Shen that the practice of insurance companies of their own is unfair.

Objectively speaking, Mr. Shen insurance awareness has yet to be improved, because if he can be the mortgage insurance to insurance companies, he will be able to loan sufficient funds to meet their urgent needs, and this policy is to borrow. Reporters observed that this new personal financial management tool for the new popular gradually, personal finance has become an alternative "winding streets".

What is the loan policy?

To put it simply, the life insurance policy loan is for certain insurance products offered by the borrower function. Insurance is different from current savings, you can access at any time, and will not affect the principal. In general, life insurance to pay for a longer period than that, especially in the insurance a few years ago, if the proposed surrender, there will always be some loss of customers. Therefore, in order to allow customers to insurance companies in times of economic distress not by way of surrender in exchange for cash, in particular, made use of life insurance policies as collateral loans from insurance companies.

Specifically, in the life insurance contracts, insurance policies have a certain cash value can be insured by the adoption of a written application in the form of loan applications submitted to the insurance company (if insured and the insurer of the same people to be insured Signed consent). At that time, roughly equivalent to the amount of loan insurance policies have been deducted from the cash value of the non-payment of premiums and interest, after the balance of the loan and interest of 70% to 80%.

"Repay the amount of time and very flexible, and depends entirely on the customer's own decision." Safety Guangzhou Branch Customer Service Miss Zhang Hua, per-customer loan for a period of six months, but as long as an effective policy to pay each time the expiration of When they pass through the repayment of loans so that the interest of renewal, renewal every six months and renew the same unlimited number of times.

As a result, insurance companies offer insurance policy loans, life insurance policies on the one hand, given the mobility and increase the added value to attract customers popularity; On the other hand, it has become increasingly personal financial services market, a new tool for customers Temporary financial difficulties, have the option of a better way, although the need to assume a certain degree of interest, but can meet their urgent needs.

Trouble can be lost.

During the loan borrowers there have been accidents how to do? In October last year, Guangzhou Dongshan District, Mr. Lee because of the need to finance, he has a sum insured is 200,000 yuan of long life insurance policy, applications for insurance policies on the basis of his cash value to the He credits the more than 40,000 yuan. Unfortunately, three months after the accidental death of Mr. Lee. According to the insurance contract provided for insurance companies to deduct the loan principal and interest, to his family paid the more than 150,000 yuan.

It was a life insurance company manager, Mr. Wu, the last two years in borrower's loan during the accident and disease have killed 3, the maximum extent possible to protect the interests of its clients. Customer loans in the period, in case of survival to receive, such as refund, the borrower when the principal and interest greater than or equal to the amount by the policy, the company will not have to notify the customer will pay principal and interest payments directly to repay loans. The claims of customers, will pay the insurance money.

Not all insurance policies can be introduced, according to the borrower, not all of the insurance policy may borrow only with the nature of savings, life insurance, dividend-based insurance and pension insurance, pension insurance, life insurance contract can apply for loan insurance policies, and accident insurance, health Insurance, investment insurance and universal life insurance, as the cash value does not exist or can not control fluctuations in the value of cash and therefore do not have the pledge of loans.

The insurance policy can borrow, as long as the insured to pay premiums for more than a year, can be used for mortgage. Because life insurance premiums to pay a certain period of time, we will accumulate a certain amount of the cash value of insurance no matter whether the accident occurred insurance, regardless of whether the policies remain in force, has been part of the accumulated cash value is not lost, the insured Can at any time requiring the company to return part of the cash value of the claims in order to achieve.

In general, the loan can not exceed the amount of insurance at the time a certain percentage of the cash value, generally around 80 percent. Policy loan interest charges relatively fixed interest rate based on the different types of borrowing will be different.