129773984745156250_14Business daily news readers recently enquired of the Yangtze River, too many insurance contract term
tera gold, complex terms, see dizziness, is there a simple way to read and understand the contract. So, yesterday visited a number of insurance companies, insurance expert for all of the most popular ways of interpretation of insurance contracts. A: insurance coverage against lost ping an life insurance (micro-blogging) insuranceSaid that the contract of insurance coverage are the first to figure out the key, this is for protection insurance is concerned. In General, purchase protection insurance is insurance and major disease risks in two, however, in which Xianzhong tend to have many of the provisions on the scope of compensation. Experts suggest that insured persons in such insurance contracts, one to read the insurance terms. Different insurance companiesProvisions for the degree of severity of disease or accident is different. B: insurance pools mystery "what insurance is an insurance company can do for you. "Insurance experts explained that in terms of insurance, generally appears in three terms. "Death, total disability benefits", which means if the insurance period of the insured in the unfortunate death or total disability, the insurance company willAmount of claim as agreed. "Expiration of payment", refers to the insurance contract expiration, if the insured is still alive, and no claims of disease, the insurance company will expire on the insurance payment, announced the policy ends. Worthy of note is, where the expiry of insurance and the premium is returned to both concepts, money will not be the same. C: comparison of cash valueLess insurance, the insured amount, cash value, these three words are said in response to financial-insurance, the insured must not be confused. "Here is the cash value of the hardest to figure out. "Experts say insuring a few years ago, cash value must be less than the premium paid by the insured
tera gold, if surrender can only get part of the money in the middle. D: the first year premium dividendIn participating in the insurance, premiums are not cumulative participation of policyholders every year to produce dividends, only the first year of insurance costs to participate in the dividend. For example, five years of dividends insurance, $ 50,000 on the insurance in the first year, $ 20,000 a year later, promised the dividend rate is 5%. So, count down, policy holders
tera power leveling, $ 130,000 in total premiums, annual dividends of 5% is 5Million on the basis of calculation, after the expiration of the premium will be returned to the principal of the $ 130,000, and the five-year $ 50,000 5% interest. Reporter Claudia Wang stories acquaintances contract, please, Miss Zhou ate ate the suffering which cannot be told to others 35 years old can't read feel free to sign insurance contracts. Two years ago, Miss Zhou students buy a participating insurance products, "too many contract termsAll terms, simply don't understand. "Out of trust, Miss week gave students take care of all your contract. Students commitment bonus interest rate of 8% or more, so she was signed without hesitation. But, a year later, Miss Zhou received only 4% less than rate of return, only get the 3% rate of return for the second year. "I took a closer look at the contract,Is this product there is a certain amount of interest rate risk. "Miss Zhou kicking, if it had been known that you do not purchase insurance, direct deposit money banks interest rates on a regular basis will be higher. Expert analysis of insurance contracts must seriously look at "Miss Zhou made a taboo of insurance purchased, must not allow others to do contract. "Yesterday, ping an life insurance expert, insuranceVital interests of the contractual relationship with the insured, therefore, must be their own individual articles, calculation of income dividends should also own, and then to consider whether or not to buy, if you do not know where to consult an agent in a timely manner.
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