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Anonymous users2024-02-06Xueba talks about insurance, focusing on insurance product evaluation! Critical illness insurance is the most discussed, and I've combed through most of them here:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".
Pacific Insurance's Jinyou Life's critical illnesses include heart disease, cerebral thrombosis, and cerebral infarction, and the specific benefits are sorted out below.
The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and it has never stopped being complained about, what is the actual situation? If you want to know, you can collect this article first and read it slowly:"It's said on the Internet that Jin You's life is not good?
Is it true? 》
This analysis tells us that there is a reason for being complained about, and it still has many shortcomings, such as the following shortcomings are really very obvious:
1. The proportion of compensation for mild illness is low
Although the product covers 50 mild illnesses and pays out 3 times, the compensation ratio is only 20%. If you can reach the same 30% of the payout level in most markets in the market, you will be considered to be passing.
2. Lack of protection for moderate illness
There is still no protection for moderate illness, and moderate illness protection has been included in many critical illness insurance protections, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness, and the pressure in the early stage of critical illness is relieved by moderate illness protection.
3. The dividend protection is slightly poor
There are two types of dividends in Jinyou Life: annual dividends and terminal dividends.
Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. Dividends will not be paid directly to the insured, but will be accumulated in the policy to increase the sum assured for critical illness.
Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, these three bonuses can only be paid out in one of them.
4. Premiums are expensive
From the table above, we can see that if you buy a policy for a 30-year-old man with 20 years of payment, 500,000 sum insured, and lifelong insurance, you will have to pay 19,650 yuan a year, which is almost 20,000 a year! It can be said that it is very expensive.
Summary: In general, the protection of this Jinyou life is not comprehensive enough, ** and very expensive, not cost-effective, poor market competitiveness, with sufficient budget, there are many better options, you can refer to it first, and then decide after comparison:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".
Thanks for reading, hope!
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Anonymous users2024-02-05Xueba talks about insurance, focusing on insurance product evaluation! Comparison table of the latest 136 popular critical illness insurances
A one-time gift to you.
"It's true that the Internet says that Jin You's life is not good? 》
A must-see before you buy. Then I will talk about the advantages and disadvantages of Kim You's life:
Advantages: 1) The sum insured can increase with dividends to a certain extent, and can resist a small part of inflation;
1) The company where Jinyou Life works is Pacific Insurance, which has strong strength, has cultivated a large number of offline people, and has many service outlets, which makes it very convenient to apply for insurance and settle claims.
Let's look at the disadvantages first: Honestly, there are quite a few disadvantages.
Jin You Life is unsatisfactory in terms of dividends and premiums, and more importantly, in terms of disease protection, Jin You Life's performance is really unreasonable! There are too many key points, I will put out the condensed version of the content, and I have written all the reasons in this one, you can take a look"It's true that the Internet says that Jin You's life is not good? 》。
To sum up, I have never recommended participating critical illness insurance, even if it is a big brand product like Jinyou Life, buying insurance protection and financial management still have to be separated, in order to make the best use of each.
Hope, thank you!
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Anonymous users2024-02-04Hello: Jinyou's life insurance is very comprehensive, and the diseases you mentioned must be covered.
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Anonymous users2024-02-03This Jinyou life is worth having and is fully protected.
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Anonymous users2024-02-02Hello, look at the insurance liability in the contract.
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Anonymous users2024-02-01Major diseases: malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary bypass, end-stage renal disease, multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, chronic liver failure decompensation, sequelae of encephalitis or meningitis, deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease, severe brain injury, severe Parkinson's disease, severe burns, Severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe aplastic anemia, aortic surgery.
Persistent vegetative state, primary cardiomyopathy, renal medullary cystic disease, necrotizing fasciitis, generalized myasthenia gravis, end-stage lung disease, transfusion-induced human immunodeficiency virus (HIV) infection, muscular dystrophy, severe multiple sclerosis, severe Crohn disease, severe asthma, severe myocarditis, severe ulcerative colitis, primary sclerosing cholangitis, acute necrotizing pancreatitis, atrioventricular block, Wilson's disease.
Mild symptoms: non-life-threatening malignant lesions (including carcinoma in situ), atypical acute myocardial infarction, minor stroke, coronary intervention, heart valve intervention, severe visual impairment, intra-aortic surgery pituitary tumor, brain cyst, cerebral aneurysm and cerebral hemangioma, specific burns, severe head trauma.
Insurance (or abbreviated as insur), which is meant to be safe and reliable; It is later extended into a kind of security mechanism, which is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.
Chinese name: insurance.
Foreign name: insurance or abbreviated as insur
Type: Safeguard mechanism, commercial behavior.
Functions: financing, loss compensation, etc.
Principles: apportionment, subrogation, the law of large numbers, etc.
Nature: Contractual economic relations.
Meaning: The basic means of risk management under the conditions of market economy.
Abbreviation: ins
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Anonymous users2024-01-31Pacific Insurance's critical illness insurance product, Jinyou Life Relief, is a participend-paying lifelong critical illness, the main insurance is a participating whole life insurance, and the additional insurance is a whole life critical illness insurance. <>
The three types of Jinyou Life are classified for you to compare, and it can be seen that Jinyou Life 2018A has made great progress in many aspects compared with the previous generation products of Disturbance State.
The number of benefits for critical illness and mild illness has been greatly increased, and the number of claims for minor illnesses has also been upgraded from one to three times, and the premium is cheaper than the previous generation on the basis of the increased protection.
**The special illness mentioned in the is what we often say mild illness, you can see that the critical illness claim of Jinyou Life 2017 needs to deduct the sum insured of the previous minor illness claim, and Jinyou Life Hengdong 2018 does not need it, which is a great progress.
The critical illness claim amount of Jinyou Life is in the form of sum insured + dividend, and the so-called dividend is a floating dividend (the interest rate is uncertain), which is the key to the growth of the insured amount of Jinyou Life.
Policy dividends include annual dividends and terminal dividends
Annual dividends are distributed as increments; The terminal bonus is divided into a care payment and a special bonus, which is paid upon termination of the contract after critical illness or death.
It is important to note that the distribution of dividends is uncertain.
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Anonymous users2024-01-30Summary. Hello, dear, I'm honored to answer for you! <>
Pacific 2017 Jinyou Life Whole Life Insurance + Critical Illness Insurance is reliable, pro-Pacific Jinyou Insurance is reliable, not only the insurance company is reliable, the product is also reliable, it depends on whether this product is suitable for you.2 Jinyou Life has a selling point that there are dividends, but the contract states that the dividend income is uncertain, and Jinyou Life is a critical illness insurance that Pacific Life Insurance withdrew.
Pacific 2017 Jinyou Life Whole Life Insurance + Critical Illness Insurance is reliable.
Hello, dear, I'm honored to answer for you! <>
Pacific 2017 Jinyou Life Whole Life Insurance + Critical Illness Insurance is reliable, pro-Pacific Jinyou Insurance is reliable, not only the insurance company is reliable, the product is also reliable, it depends on whether this product is suitable for you.2 Jinyou Life has a selling point that there are dividends, but the contract states that the dividend income is uncertain, and Jinyou Life is a critical illness insurance that Pacific Life Insurance withdrew.
Pacific Life Jinyou Life Whole Life Insurance is a financial insurance product, the advantages mainly include both protection for critical illness and dividends, and the disadvantages are mainly lack of moderate illness protection, low proportion of mild illness compensation, long waiting period, etc., in general, it is not very reliable, it is not very necessary to buy an article posted by the senior sister before, the theme is quot recognize the dividend insurance. 6. Jinyou Life is a participatory whole life critical illness insurance product under Pacific Insurance Company, if you want to know more about critical illness insurance products, you can take a look at Daddy's article in May 2021 Critical Illness Insurance List, which is better to buy critical illness insurance, 100% critical illness protection, 100% basic sum assured, minor illness protection.
Can I take out the principal and interest after 20 years of life insurance?
2017 edition.
No, pro, this is life insurance.
After 20 years of payment, it can be insured for life, as long as the insured dies, he can get the corresponding insurance compensation, and he cannot get back the principal when he is alive.
Except for cancer, nothing else will be claimed, right?
I still have a million to enjoy.
As long as there is death, compensation is paid.
If it is confirmed that the cancer is not claimed?
Except for death. Cancer lump sum claim pro.
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