Is unconditional rebate a guaranteed clause?

Unconditional rebate is not a guarantee clause.

The civil code stipulates that there is no such thing as "guaranteed kickback" in the contract law.

The cash value of traditional insurance is still the old interest rate of 2.5%. The interest rate of rebate is usually 3%.

The return profit of traditional annuity insurance and rebate insurance is uncertain and insecure.

Only the annuity insurance and old-age security agreed in the contract, such as refund, survival and maturity. , is certain, is a fixed amount, there is no guarantee. The interest rate of market-oriented insurance is mostly 3%. Strong companies such as Ping An gave 4% at first, but they couldn't stand it. Now they are all measured according to the previous policy of 4%. This is just the interest rate of cash value. It has nothing to do with returns such as rebates.

If you add a universal insurance account, you have to charge a handling fee, which generally ranges from 3% to 5%. There is no handling fee. The interest rate of universal insurance is guaranteed according to the requirements of the CIRC, usually 1.75%. Some companies advertise 2.5%, but this guaranteed interest rate has no practical significance. If you can't make a rate of return above 3.5%, the company will be finished. Waiting for the appointment of the CIRC to be taken over by other insurance companies.