Pacific Life s insurance liability

Hello. Jintai Life is divided into two parts, one is Jintai Life Main Insurance, but it is attached to critical illness protection.

There are two types of additional critical diseases, one is to cover 35 types of critical diseases, and the other is to add 8 non-life-threatening major diseases on the basis of the previous one, including carcinoma in situ, **cancer, non-craniotomy of brain tumors, cardiac stent surgery, etc.

The main protection responsibility of Jintai Life's main insurance is dividends, which are distributed by increasing the sum insured, and the amount of protection is increasing year by year to ensure that your protection will not shrink with inflation.

It is only a very wide range of protection insurance, whether it is a young person, when the economic pressure is relatively high, or a successful person, who needs a high amount of protection, you can choose this insurance as a combination.

Hope mine can help you.

To put it bluntly, there is a cure for illness (35 kinds of critical illnesses) and no illness pension (increasing value and dividend protection).

With a sentence of compound interest rollover, buy early and increase in value early You can buy it within 30 days of birth.

Increasing value. Medical coverage**. 35 major diseases. Pension**. Flexible cash pick-up. Lifetime guaranteed dividends.

Jinyou Life is a critical illness insurance that includes death, but under the gimmick of dividends, the premium is also expensive, and compared with the popular critical illness insurance, the advantages are not very prominentComparison table between Jinyou Life and the 136 popular critical illness insurances in China

Let's take a look at the basic form of Jinyou's life:

The insurance rates and protection content of Jinyou Life are decent, let's take a look at what advantages it has:

1. High brand awareness. **With a large team of people and annual marketing promotions, consumers are more familiar with the Pacific Life brand.

2. There are many branches. In all provinces and cities across the country, including some towns and villages, it is not difficult to find Pacific service outlets.

Let's take a look at its shortcomings:

1. The compensation ratio for mild illness is too low. The payout ratio is only 20% each time, while the excellent critical illness insurance on the market can go up to 40% or even higher for mild illnesses.

2. Lack of moderate illness protection. Moderate illness protection has been incorporated into many critical illness insurance benefits, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness.

3. The leverage is not high. You can only choose to pay for 20 years at most, and there are no options such as paying for 30 years or guaranteeing until you are 70 years old, plus the premium is relatively expensive, the economic pressure is not small, and the insurance leverage is relatively low.

Therefore, for protection products with dividends like Jinyou Life, there is no need for ordinary working families to spend such high premiums, and there are many critical illness insurance that is better and cheaper than Jinyou LifeTen critical illness insurance that is much more cost-effective than Jinyou Life

Xueba talks about insurance, focusing on insurance product evaluation! Critical illness insurance is the most asked by the most people, click on the original article to get it for free, I stayed up all night to sort it out:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

Jinyou Life is known as a critical illness insurance that integrates protection and makes money, and the protection map is presented first

Judging from the content of the analysis, it is not difficult to find that it is not wronged at all to be complained about, it still has many shortcomings, such as the following shortcomings are obvious:

1. The proportion of compensation for mild illness is low

Although the product covers 50 types of minor illnesses and pays 3 times, the amount of compensation for minor illnesses is only 20% of the basic sum assured. At present, the ordinary level of critical illness insurance on the market has reached 30%.

2. Lack of protection for moderate illness

There is no protection for moderate illness, which 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.

3. The dividend protection is slightly poor

The dividends of Jinyou Life are divided into: annual dividends and final bonuses.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. The insured cannot receive the dividends directly, but accumulate them on the policy and can increase the sum insured for critical illness.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, only one of these 3 bonuses will be paid.

4. Premiums are expensive

From the **, you can know that the purchase of 500,000 insurance amount for 20 years, 30-year-old men, lifelong protection, the annual premium is close to 20,000, the premium is very high! It can be said that it is very expensive.

Summary: After analyzing this product, it can be seen that the cost performance of Jinyou Life is not high, the guarantee is not comprehensive, and it is relatively expensive, there is no market competitiveness, there is a sufficient budget, there are many better choices, you can refer to this list:Ten critical illness insurance that is much more cost-effective than Jinyou Life

Jinyou Life is by far the best critical illness insurance in the market, ranking first compared with Ping An Fu and China Life Fu.

Pacific Insurance Company's "Jinyou Life" also has a name called "Five Meritorious Cover City", specifically the five functions of disease protection, life protection, pension protection, value-added insurance, and insurance exemption. 60 types of critical illness coverage are the widest in the market, 12 types of minor illness coverage are the most in the market, and the five functions are the most comprehensive in the market. Choosing Jinyou Life is your wisest choice!

Pacific Insurance Jinyou Life is a four-in-one health protection insurance for critical illness, mild illness, worth, and pension, which you deserve.

Pacific Insurance's Golden Life is an insurance with a sick management and no sick pension, and the amount of insurance increases.

Pacific's Jinyou Life is a critical illness insurance, but it is not as advantageous as ICBC AXA Life's Royal Cube No. 3.

Jinyou has a comprehensive life guarantee, and it has also won awards in the country, so it is worth buying.

。"It's true that the Internet says that Jin You's life is not good? 》, will help you.

Next, I will analyze the advantages and disadvantages of Jin You's life:

Advantages: (1) The annual sum insured will increase with dividends, which can slightly curb inflation;

1) Jinyou Life's insurance company Pacific is an old brand, with great brand influence, and it can find outlets even in some remote areas with considerate service.

Disadvantages: Honestly, there are a lot of disadvantages.

In general, although Jinyou Life has a high brand awareness, it is not cost-effective. I still recommend that you separate your protection and financial management in order to buy the most suitable product for you.

It can be compared with the Chinese evergain 2016 to protect 110 kinds of large and small diseases, which is cost-effective.

You can consider the type of insurance of Minsheng Life.

You can learn about other insurance companies, and you should also understand the strength of insurance companies when buying insurance.

Protect your illness, save your life, increase your life, protect your life, protect your old age, contact me for a detailed plan.

You can chat privately, there are too many details.

Read the liability clause of the insurance contract or check with your insurer for details.

Among the critical illness insurance items attached to Jintai Life, tuberculosis is also within the scope of its critical illness.

But it must be the first diagnosis, if it is already sick. It is found to be a pre-insurance illness. No claims will be paid.

When filling out the policy, the policyholder is required to be honest about the question, otherwise the insurance premium will only be refunded to you. In the insurance policy, he will ask you if you have any diseases, if you have bad habits, etc. If your health is not very good, the insurance company may even deny coverage.

Or increase the premium.

As for the insurance company's claim, as long as it is written by you in the contract, what you wrote is true. Then there will be compensation.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

I think you still choose Kim Woo to have a better life, why do you say that?

1: Although Jinyou Life is a product to take care of critical illness, it also has a function of providing for the elderly.

2: Its sum insured increases as you get older, so it also has a little dividend function.

3: It covers a wide range of 42 major diseases and 10 minor diseases. This is the most common type of critical illness insurance product.

4: It also has an early payment function, that is, as long as you have a diagnosis certificate from the hospital and pay for the scope covered by the policy, you can apply for it, without too many procedures (this is only 42 kinds of critical illness; Only 20% of the 10 minor illnesses are paid in advance).

Friendly reminder: If you buy this kind of product, you must truthfully inform your physical condition, and you cannot take out insurance with illness, otherwise you will not be able to make a claim. There is also the best choice to pay for ten years, not too long, not too short, the amount of insurance, you choose according to your income, it is best to be 10 15% of your annual income.

The two are different types of insurance products, Yintai is a product that combines dividends and protection, while Jinyou is a pure health insurance product.

I don't know what kind of protection you want. Jinyou is a product that came out this year, and it can protect 52 major diseases, which is still good.

You might as well come and learn about our Ping An products!

1. The value of the insurance will increase with the double dividend ** of the insurance company every year, compound interest.

2. 35 categories of critical illnesses are insured, including not only 25 categories of critical illnesses jointly formulated by the Insurance Industry Association and the Chinese Medical Doctor Association, but also 10 types of more common critical illnesses have been added by Pacific Insurance Company. If a person has a critical illness, the insurance company will pay the sum insured directly, and the insured can directly take the claim money from the insurance company to see a doctor.

3. There are dividends every year, Jintai Life is an insurance with dividends of the sum insured, dividends are distributed on the basis of the amount insured, and the dividends can be compounded and increased in the insurance company.

4. It can also be converted into pensions. After a certain number of years, it can be partially or fully converted into a pension.

Jintai Life is a cost-effective product, suitable for low- and middle-income families, buying Jintai Life alone will have a lack of protection, but with an additional accidental injury and hospitalization medical treatment is more comprehensive.

Hello. Dividends are converted into the sum insured and increased into the value account, C whole life insurance is mainly to protect death and total disability, I don't know if you have additional Jintai life major diseases, if there are additional, you can insure 35 kinds of serious diseases. The company will send you a dividend report every year, which contains a detailed description of the dividend, and you can also check the balance of the dividend account by registering and logging in through the official website.

Hello! "Jintai Life" is a critical illness protection product of our company, in addition to the annual increase in the amount of insurance, that is, the protection of accidents also includes 35 kinds of critical illness protection, and it is also very humane to consider the pressure of modern life for the elderly, so this insurance also has the function of annuity conversion pension, that is, the value preservation and appreciation are also flexible. "Jintai life both" is the company's 09 years of products, has been 2 to 3 years, presumably your contract has expired a year earlier, then you should receive the company sent to your annual dividend report, which clearly inform the company of the company's income in the past year and your insurance account income, if you do not receive it, you can call customer service or ** person, ask to send, thank you, good luck!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Pacific Insurance Jinyou Life is a participating critical illness insurance, which must have a claim function, and can be claimed if you suffer from a protected critical illness or minor illness, the details are as follows:

Jin You's life is known as "being able to protect and make money" has set off a discussion, and a picture to understand its protection:

The product form of Jinyou Life is "single compensation for critical illness + 3 claims for mild illness", and many people have complained about this product since it was put on sale, how does Jinyou Life compare with the popular critical illness insurance on the market? For specific content, please see this article: An inventory of the top ten insurance companies that are "worth buying" popular critical illness insurance!

This analysis clearly shows that it is not wronged at all to be complained about, it still has many shortcomings, such as the following shortcomings:

1. The proportion of compensation for mild illness is low

Although the product covers 50 minor illnesses and pays 3 claims, only 20% of the basic sum insured is paid for minor illnesses. Compared to most payouts on the market, 30% is a very low percentage.

2. Lack of protection for moderate illness

Moderate illness protection is not available, most excellent critical illness insurance has moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness.

3. The dividend protection is slightly poor

There are two types of dividends in Jinyou's life: annual dividends and terminal bonuses.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. The insured person cannot receive the dividends directly, but accumulate them on the policy, and the critical illness sum assured will increase accordingly.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, only one of these 3 bonuses can be paid.

4. Premiums are expensive

After reading **, you will know very clearly 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 a premium of 19,650 a year! It can be said that it is very expensive.

Summary: Based on the above situation, the cost performance of this product is slightly lower, but it is expensive but there is no comprehensive guarantee, if the budget is sufficient, there are better choices under the same conditions, you can refer to it: