Will Ping An Zhiyue universal insurance return the principal after its expiration?

Do not repay the principal. Because Ping An Zhiyue's life belongs to universal insurance, customers can get back the cash value of the policy after the universal insurance expires.

Universal insurance is a kind of insurance products. Like traditional life insurance, it can not only protect life, but also allow customers to participate in the investment activities of funds in the investment account set up by insurance companies for the insured. The value of the policy is linked to the fund performance in the investment account of the insured operated independently by the insurance company.

Calculation method of cash value of policy:

Cash value of the policy =? The premium paid by the applicant-the amount shared by the insurance company's management expenses on the policy-the commission paid by the insurance company to the salesman due to the policy-the pure premium required by the insurance company to assume the insurance responsibility of the policy+the interest generated by the residual premium.

In order not to hinder the realization of the rights and interests of the insured, the insurance company will save the money; Part of the premium income will also be accumulated for investment, and the investment income generated will be used for future compensation.

Extended data:

exonerate

If the insured dies under any of the following circumstances, we shall not be liable for paying the insurance money:

1, the insured intentionally kills or injures the insured;

2. The insured intentionally commits a crime or resists criminal compulsory measures taken according to law;

3. The insured commits suicide within 2 years from the date when the main insurance contract is established or the contract resumes its effectiveness, except that the insured commits suicide as a person without civil capacity;

4. The insured takes the initiative to take or inject drugs;

5. The insured drives a motor vehicle after drinking alcohol;

6. War, military conflict, riot or armed rebellion;

7. Nuclear explosion, nuclear radiation or nuclear pollution.

If the insured dies as a result of the above 1, and this main insurance contract is terminated, we will return the cash value of this main insurance contract to the heir when the insured dies.

If the insured dies due to the above other circumstances, this main insurance contract will be terminated, and we will refund the cash value of this main insurance contract at the time of the insured's death.

Baidu Encyclopedia-Cash Value of Insurance Policy

Baidu encyclopedia-universal insurance

China Ping An Life Insurance Company of China Insurance Company China Insurance-Zhiyue Life Insurance