Ping An Fu is a product that we are all familiar with. It is the flagship insurance of Ping An Insurance . The main insurance is whole life insurance, which is bundled with advance payment critical illness insurance additional insurance sales. However, the surrender rate of this product is relatively high, because consumers certainly do not want to face the loss of surrender, so Should I return it if I buy Ping An Fu? What should we do with the guarantee after surrender? Take a look at the suggestions the article gives you!
1. Should Ping An Fu be refunded?
If you want to know whether Ping An Fu should be refunded, you must consider your own situation, including economic level and security needs. As different consumer insurance cases, the choice of whether to refund or not must differ.
Judging from Ping An Fu's own protection, it covers death, serious illness and mild compensation rights, but death claims and disease claims share the insurance amount, the proportion of mild compensation is not high, and there is no moderate compensation protection.
From the perspective of product price level, we generally choose products that are paid regularly for 20 years. If the insurance amount is 500,000 yuan, and the premium purchased by young and middle-aged people exceeds 10,000 yuan, it will put a certain amount of financial pressure on ordinary families.
The overall cost-effectiveness level is not high, which is the main reason why we chose to cancel the insurance policy with Ping An Fu. Many consumers support Ping An Fu's policy surrender, but in some cases blind surrender is not recommended.
2. Under what circumstances is it not recommended to surrender the policy of Ping An Fu
Although Ping An Fu has many protection loopholes, the editor recommends that it is a good strategy to continue to hold the policy for the following situations:
1. The payment period of the product is about to expire. Because in this case, we have no payment pressure, as the policy holding time increases, the cash value will continue to accumulate, and the protection can continue to be enjoyed. At this time, surrender does not stop the loss, but increases the loss.
2. The insured’s health status changes, or they are older, because in this case, they want to configure more suitable and cost-effective products, and the choice space is small, they may be refused insurance;
Therefore, when doing Before making a decision, we should make the decision to surrender the policy carefully.
3. What should I do about the protection after Ping An Fu surrenders the policy?
If it is more cost-effective and more suitable to choose Ping An Fu products after surrendering the insurance, you must pay attention to the coverage gap caused by surrendering the insurance, because the risk of serious illness is increasing and the medical expenses are also high. We must configure products that suit us as soon as possible, and choose critical illness protection
1, choose regular rather than lifetime;
2. Don’t care too much about insurance brands. The critical illness insurance of some Internet companies is more cost-effective and more economical;
3. Do not choose return-type products.
In addition, the protection during product replacement and the waiting period for the new policy also make us need to consider that it is best to insure after the waiting period is over. Follow the WeChat public account "Carp Academy" to learn more related knowledge
