was supposed to receive an annual fee of 60 yuan one-child time. But that year

nma960vorhja

Ms. Ningbo Xia has received a child due to make her laugh and cry marriage insurance
 
100 yuan insured for 21 years but only received 270 yuan
 
Now this money, can afford to marry his daughter knot it?
 
□ reporter Yu Ji Asia
 
Insured 100 yuan 21 years ago, now expired, but can only get back 270 yuan, such insurance investment you are willing to join us?
 
Simply Counting you realize: 21 years ago, the purchasing power of $ 100 is now 270 yuan by far can not compare.
 
Such embarrassing thing happened in hundreds of Fenghua, Ningbo colleague Ms. Xia and her body.
 
In 1992, Miss Xia unit where their only child and my colleagues agreed to buy a 100 yuan marriage of their children's education insurance, after the expiration of 20 years, Miss Xia received only 270.1 yuan full of marriage gold.
 
"Now, a family of three outside potluck dinner, 270 yuan gone, which the insurance exactly what is the point?" Yesterday, Ms. Xia phone call to the newspaper hotline 96068 "Tucao."
 
Miss Xia recalled,woolrich uomo, in May 1992, was supposed to receive an annual fee of 60 yuan one-child time. But that year, she got the hand is an insured sum is 100 yuan children's education insurance, health insurance card marriage, she also posted 40 yuan. On the cover insurance card glowing red, inscribed Chinese People's Insurance Company branch in Ningbo.
 
"It was said long ago was born in May 1991, and the one-child workers under 15 years of age must buy." Miss Xia was still a large state-owned silk factory work, factory workers a lot. According to her colleagues estimate that there are at least hundreds of people silk factory just got this insurance card.
 
Insurance card in accordance with the agreement,http://japan.rsa.com/products/e-security/ex17.html, Miss Xia wholesale deposit (ie a one-time payment of all premiums) premiums 100 yuan, in May 2012 can receive 270.1 yuan a one-time full of marriage gold.
 
In fact, last May,http://www.xzwfjd.com/home.php?mod=space&uid=1248, the 20-year had arrived. But since then not voluntary purchase, combined with busy lives, until September of this year, Ms. Xia remembered the pressure in the bottom of the 21-year insurance card goes, remember there are 270.1 yuan a convention full of marriage gold can get.
 
But recently, when she really the money in your hand, or feel a little ridiculous.
 
"Because too little money, receive and cumbersome procedures, and some have moved in the field of old colleagues simply gave up." Ms. Xia said that either receive point close to home, she do not bother to pick up.
 
When the bank card receive 270.1 yuan of marriage payments, the daughter of former former Miss Xia also some dumbfounding, "Now, 270 yuan is enough usually go out to eat, right? To really waiting for the money when gold with marriage, do not say buy a dress put tables liquor, cigarettes and even buy a little better is not enough. "
 
Original original, she said her classmates are also many people received similar number of marriage payments. We occasionally joked that if 100 yuan in the year when the marriage of gold, also called a few tables of people eating a meal, busy busy. Today, so-called marriage gold can hardly help their children solve any marriage takes effect, too misnomer of.
 
  event
 
21 years ago, a monthly salary of 150 yuan to spend 100 yuan insurance
 
21 years later,woolrich outlet, only 270 yuan received a marriage gold
 
Last night, Miss Xia dug out from 1990 to 1992 diary.
 
According to the diary records, Miss Xia salary in November 1991 was 136 yuan. Ms. Xia's husband was in the large state-owned micro-motor factory work, pay fairly high. In January 1992, his basic monthly salary is 96 yuan, plus food stickers 1.5 yuan, 23 yuan, Vice stickers, Wei signatures 16 yuan and floating 9 yuan, the month will get 145.5 yuan. Until November 1992,piumini moncler, Miss Xia husband's monthly salary of only 178 yuan rose.
 
Diary also records the year prices: pork 1.2 yuan / kg, egg 1 yuan / kg, octopus 0.45 yuan / kg, apple 0.5 yuan / kg, vegetables 0.1 yuan / kg, ordinary rice 0.137 yuan / kg, good quality rice also sell 0.3 yuan / kg. "We were a family of three in total monthly expenses almost on 120 yuan."
 
"At that time,http://mie.wire.co.jp, sent 100 yuan when the child was born full moon ceremony,http://repository.aichi-edu.ac.jp, which was the high standard of." Ms. Xia said she still remembers her own little sister mentioned, 1992 children, pay the hospital deposit is 100 yuan. And he stayed five days and four nights after discharge, also looking back more than 2 yuan.
 
"It was more than 10 yuan will be able to buy a trendy pants, but now at the mall, 270 yuan can buy the right pants. Go out to eat frequently several hundred, one thousand yuan gifts of gold, where no show for?" Miss Xia emotion, 21 years, doubled the price I do not know how many times, and his then half a month's wages in the deposit insurance company for 20 years but depreciated so much.
 
Ms. Xia said, all these years, there are close friends find themselves together to buy insurance, but had such an experience, she has been afraid to buy the insurance.
 
21 years ago, 100 yuan a month for living expenses
 
After 21 years, 270 yuan can only go to a restaurant meal
 
Books
 
Insurance contract terms of the agreement
 
Not because of market changes or time changes
 
Insurance company
 
Because after all these years, the insurance company's business has also undergone some changes. Insurance card on Miss Xia Chinese People's Insurance Company of China Ningbo Branch has been renamed People's Insurance Company of Ningbo Branch, and their children's education marriage already is divided into China Insurance Life Insurance Co., Ningbo Branch of the People.
 
Yesterday afternoon, the reporter was removed to find Wang Ningbo Branch of China Life Insurance Co., propaganda department, she confirmed to reporters, then indeed this insurance.
 
"Children start marriage Insurance in 1990, closed in 1999. Pay two installments to pay and wholesale." Ms. Wang said, this is a regularly endowment insurance, that is,moncler outlet, if your child of six years in the accidental death of the insured, self-mutilation etc., the insurance company will pay part, but if it is insured and after six years in the insurance period,http://framasoft.net/spip.php?article1590, the insurance company is required to pay the full amount. Press coverage when the specific amount of compensation and the amount agreed upon payment in different units. If there is no accident, after the expiration of marriage can receive full payment.
 
For Miss Xia "Tucao" problem, Wang believes it is reasonable to operate. "Insurance is a commercial product, after standing contract, the terms of the contract the two sides agreed to perform, not because of market changes or time and changes." Wang further explained that marriage like this children's education insurance, in fact, it's a predetermined rate 8.8%. In August this year, the China Insurance Regulatory Commission personal insurance before the scheduled release rates of insurance products available in the market interest rate is not higher than 2.5%. "The situation of inflation is that we can not expect, after the expiration of the parties think this product is very loss, but we also have other products, the parties also feel quite earn."
 
Last night, the reporter interviewed the insurance industry for many years in Hangzhou Mr. Zhu.
 
Mr. Zhu said: "Although the past 20 years, due to economic development, inflation leads to currency devaluation, but since it is stated in the contract 20 years ago on, that you really have nothing to say after all the money in 1992. invest in stocks, funds may also be a loss. "
 
Zhu further explains that,http://www.gourmetseed.com, since China in the late 1980s before resuming domestic insurance business, in 1992 China's insurance industry is not developed, product variety is relatively simple, unified purchase by the unit.
 
"It was the state in order to control risk, legal regulations do not allow insurance companies to invest only in fixed deposits and government bonds." Zhu said, because it was national policy orientation and industry is not standardized, so many years ago to buy insurance situation,http://www.democratie-socialisme.org/spip.php?article3201, after inflation, but will be severely diminished in recent years frequently appear.
 
With the social development, the country has liberalized the insurance company's investment, stocks, major projects,Piumini moncle, property and so can participate. "This wholesale deposit products currently on the market has been relatively less, 70% to 80% of insurance products are of Cross dividends capabilities to float income, the parties more secure, some are pure protection products, such as a serious illness medical insurance, and even now some of the catastrophic health insurance is also a bonus. "
 
But Zhu also reminded readers, when buying insurance products to understand their own in the end what you want, but also to learn more about the strength of the position of the insurance companies, the return way, a comprehensive understanding of the terms of the insurance contract.
 
When faced with the need for 10 years,http://airplug.cocolog-nifty.com, 20 years of insurance and other long-term investment, the best is still relatively more cautious. "Because the insurance company will come through actuarial rate of return, and from a large base to calculate risk. If the time stretched flat insurance company risk is borne by the public also may lose some of the investment opportunities."
 (Edit: SN054)