How about Ping An Insurance s Ping An Fu, the feelings of those who have begged to buy it

Very good pure protection type of insurance. Insurance should be chosen according to your actual situation and needs.

I bought it in May, mainly because I want to give myself a guarantee, the value has always been, but I just said that I can't take it out for the elderly like universal insurance, and the protection type can be bought with the dividend type to give yourself some protection, we really don't know which one will come first tomorrow or the accident.

Summary. Hello, dear. Ping An Fu insurance is not worth buying.

The reasons are as follows: 1. Customers need to have the ability to continue to pay: a 30-year-old man buys 500,000 yuan of insurance, which is paid in 30 years, which is 11,450 yuan a year, and the payment is very high-end, and the customer needs to have the ability to continue to pay, while other Internet critical illness insurance, taking Darwin No. 6 as an example, under the same conditions, the payment is 5,510 yuan, and the gap is obvious, that is to say, many people are dissuaded; 2. Low cash value:

The cash value of many critical illness insurance products is relatively high, and in similar insurance products, if you pay seven or eight thousand a year, you may surrender more than 1,000 yuan, but Ping An Fu can only refund a few hundred yuan; 3. Lack of superimposed compensation: Many critical illness insurance policies have superimposed compensation functional attributes, such as an additional 80% of the sum insured before the age of 60, plus **cheap, this product does not have this kind of increased compensation design.

Is Ping An Fu Insurance worth buying?

Hello, dear. Ping An Fu insurance is not worth buying. Here's why:

1. Customers need to have the ability to continue to pay: a 30-year-old man buys 500,000 yuan of insurance, which is paid in 30 years, which is 11,450 yuan a year, and the payment is very high-end, which requires customers to have the ability to continue to pay, while other Internet critical illness insurance, taking Darwin No. 6 as an example, under the same conditions, the payment is 5,510 yuan, and the gap is obvious, that is to say, many people are dissuaded; 2. Low cash value: The cash value of many critical illness insurance products is relatively high, and in similar insurance products, if you pay seven or eight thousand a year, you may surrender more than 1,000 yuan, but Ping An Fu can only refund a few hundred yuan; 3. Lack of superimposed payouts

Many critical illness insurance policies have superimposed claim function attributes, such as an additional 80% of the sum insured before the age of 60, plus **cheap, this product does not have this increased payment design.

It is generally not recommended to buy Ping An Fu for the following reasons: 1. Customers need to have the ability to continue to pay: a 30-year-old man buys 500,000 yuan of insurance and pays it in 30 years, which is 11,450 years, and the payment is very high, while other Internet critical illness insurance, taking Darwin No. 6 as an example, under the same conditions, the payment is 5,510 yuan, and the gap is obvious.

2. Low cash value: The cash value of many critical illness insurance products is relatively high, and in similar insurance products, if you pay seven or eight thousand a year, you may surrender more than 1,000 yuan, but Ping An Fu can only refund a few hundred yuan; 3. Lack of superimposed payouts

Many critical illness insurance policies have superimposed claim function attributes, such as an additional 80% of the sum insured before the age of 60, plus **cheap, this product does not have this increased payment design.

Hello, it is worth buying, first, what are the advantages of Ping An Fu of Ping An Insurance Company Ping An Fu of Ping An Insurance Company This is a critical illness insurance with a lifetime of death, its insurance age is between 18 and 55 years old, and the number of claims for critical illness protection is 1 time, that is to say, if a claim occurs during the protection period, as long as the claim has been made once, because it is lifelong, even if it is during the premium payment period, if there is a claim after that, it will not be claimed. But it also has advantages: 1. Exercise increases the sum insured

Generally speaking, it is possible to increase the sum insured through exercise, and most of the reasons for the occurrence of diseases are lack of exercise, even if you are not sick, but the body may be in the sub-health range, so exercise can not only strengthen the body, but also increase the insurance payment ratio, which is a double win. In particular, although the sum insured can be increased through exercise, it is still very challenging for many people who do not like sports to meet the conditions for increasing the amount agreed by the insurance company. 2. The waiting period for the contract to take effect is short

For many critical illness insurance products on the market, the waiting time between the signing of the contract and the entry into force of the contract is relatively long, generally 90 days and 180 days. The waiting period is also known as the observation period, after which the waiting period is passed.

Summary. Dear, I personally do not recommend you to buy this insurance, Ping An Fu Insurance is a brand of Ping An Life Insurance, and the brand has a certain degree of protection, is one of the many people in China choose insurance, the insurance has a certain degree of protection, the user is lifelong protection The main insurance of the insurance is critical illness insurance and protection type, and the age of insurance is generally 18 55 years old, and the insurance period is generally lifelong insurance. The amount of insurance and premiums of this insurance are decent, and they are similar to other insurances in the same industry, but it only has 28 critical illnesses, which is more than 10 kinds less than other insurances, which means that some elderly people can't be reimbursed if they want to report some serious illnesses.

Is Ping An Fu Insurance worth buying?

Dear, I personally do not recommend you to buy this insurance, Ping An Fu Insurance is a brand of Ping An Life Insurance, and the brand has a certain degree of protection, is one of the many people in China choose insurance, the insurance has a certain degree of protection, the user is lifelong protection The main insurance of the insurance is critical illness insurance and protection type, and the age of insurance is generally 18 55 years old, and the insurance period is generally lifelong insurance. The amount of insurance and premiums of this insurance are decent, and they are similar to other insurances in the same industry, but it only has 28 critical illnesses, which is more than 10 kinds less than other insurances, which means that some elderly people can't be reimbursed if they want to report some serious illnesses.

If you return it, it is an early surrender, and you can only return the cash value, which is about 70 of the premium If you pay 180,000, then only 120,000 will be returned Ping An Fu insurance belongs to life insurance, and only when the policyholder is 80 years old, there will be a large amount of subsidy, which can be regarded as a return of the principal.

Summary. 2.Basic information combing:

The husband is 28 years old, and the annual family income is 200,000 yuan; This year, I borrowed 480,000 yuan to buy a house, with a mortgage for 20 years and a monthly payment of 3,000, that is, the debt amount is 3,000 * 12 * 20 = 720,000; If a child is two years old, the child's living and education expenses are the amount of responsibility. 3.Requirement Analysis:

Insurance is used to solve economic problems. First of all, we should transfer those risks that we cannot bear or that will cause great pressure on the family economy, such as the risk of the absence of key family members, critical illness risk and major accident risk, corresponding to life insurance, critical illness insurance and accident insurance. Life insurance, irreversible risk, ranked first, must be transferred.

Life Insurance Sum Insured Liability Amount + Liability Amount. This sum insured can be reasonably distributed according to the proportion of the income of the husband and wife.

Is Ping An Fu Insurance worth buying?

Hello dear! Peace and happiness are not worth buying. It's not worth it!!

There are two reasons: with the same premium payment, you can choose to get more sum insured; With the same premium payment, you can get better coverage. As a consumer, you must pay premiums to get more coverage and more comprehensive coverage.

2.Basic information combing: The husband is 28 years old, and the annual family income is 200,000 yuan; This year, I borrowed 480,000 yuan to buy a house, with a mortgage for 20 years and a monthly payment of 3,000, that is, the debt amount is 3,000 * 12 * 20 = 720,000; If a child is two years old, the child's living and education expenses are the amount of responsibility.

3.Needs Analysis: Insurance is used to solve economic problems.

First of all, we should transfer those risks that we cannot bear or that will cause great pressure on the family economy, such as the risk of the absence of key family members, critical illness risk and major accident risk, corresponding to life insurance, critical illness insurance and accident insurance. Life insurance, irreversible risk, ranked first, must be transferred. Life Insurance Sum Insured Liability Amount + Liability Amount.

This sum insured can be reasonably distributed according to the proportion of the income of the husband and wife.

Hello dear! Ping An Fu Insurance is worth buying because it will increase the amount of critical illness insurance in disguised pants. According to the provisions of the insurance, if the amount of exercise is more than 25 days per month and the number of steps per day is not less than 10,000 within a cumulative period of two years, the critical illness sum insured can be increased by 10%.

The feature of exercise increase is not found in other critical illness products, so this is also one of its major advantages. However, in terms of protection for high-incidence and mild illnesses, this product still has some shortcomings, and its compensation requirements are that the first critical illness must be cancer, and the time interval between the two claims must be more than 5 years, so from the perspective of compensation conditions, it is still relatively strict.