Jinyou Life Insurance 2019 Price

Let's give the conclusion first, no

Pacific Jinyou Life Insurance is a participating product that includes lifelong death and critical illness protection; What is transferred is the financial risk to the family caused by the serious illness or death of the insured person;

1. If the insured suffers from a critical illness after the waiting period (180 days), the basic sum assured + annual accumulated dividends + care payment will be paid, and the benefit will be terminated;

2. If the insured suffers from a critical illness or death after the waiting period, the corresponding premium will be refunded and the benefit will be terminated;

3. If the insured suffers from a minor illness after the waiting period, the benefit will be paid (basic sum assured + annual cumulative bonus)*, and the protection for critical illness and death will still be effective, but the sum insured will reduce the amount of minor illness sum assured that has been paid, and the unpaid premium will be waived.

4. If the insured dies after 1 year, the basic sum assured + annual cumulative dividend + care payment will be paid, and the protection will be terminated;

5. If the insured dies within 180-1 year, the basic sum insured + annual cumulative dividend + care payment will be paid, and the benefit will be terminatedNote: There is no waiting period for major illness, mild illness, death, total disability and other situations caused by accidental injury;

Xueba talks about insurance, focusing on insurance product evaluation! Critical illness insurance is the most discussed, click on the original article to view the comprehensive comparison table of critical illness insurance:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

Jinyou life** and age, gender, additional protection, amount of insurance, etc., it is not practical to list them one by one, and an insurance is not worth buying, just look at ** is not good, at least to understand the content.

Jin You's life is said to be a combination of security and making money, first on the security map:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and it has been complained about since its launch, is there really so many shortcomings of this product? Read this article to learn more:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

After reading the above analysis, it is clear that the person who complains is not talking nonsense, 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. This is less than the 30% payout level on the market.

2. Lack of protection for moderate illness

Moderate illness protection is not supplemented, and many products on the market now have moderate illness protection, and compared with serious illness, moderate illness and mild illness are often the precursors of critical illness, and moderate illness protection is an important means to relieve the pressure of the early stage of critical illness.

3. The dividend protection is slightly poor

Next, let's talk about the two kinds of dividends of Jinyou's life: annual dividends and final dividends.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. These dividends will not be paid directly to the insured, but will be accumulated in the policy and can increase the sum assured for critical illness.

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

4. Premiums are expensive

After reading **, we can find that a 30-year-old man who buys 500,000 insurance will pay for 20 years, and the guarantee will be for life, and he will pay 19,650 yuan a year, which is almost 20,000 a year! It can be said that it is very expensive.

Summary: From the perspective of the overall security, the market competitiveness of Jinyou Life is poor, ** expensive but the protection is not comprehensive, the cost performance is not high, there is a budget to buy Jinyou Life, you can buy other better products, you can refer to this information, carefully compare and then buy:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

Hello, how much to pay is up to you, this product is divided into 1 payment, 5 years, 10 years, 15 years and 20 years installments. The company's payout will be calculated based on the amount of coverage set out in your contract. When you are 60 years old, the money you can receive is your principal + interest + dividends, and the interest depends on the amount you purchase, and the contract will indicate that the dividend is one cent per year, which belongs to floating income.

Once claimed, your policy will be terminated.

1. Healthy value plus pension, tailor-made four effects.

This product is combined with the Supplementary Golden Critical Illness (i.e. "Additional Golden Aid Life Advance Critical Illness Insurance") to form a more comprehensive protection plan. It not only provides lifelong value protection, but also protects you and your family's happy life from the wind and rain and resists risks; It also provides critical illness and specific illness benefits; You can also use the annuity conversion function to receive an annuity every year according to the needs of pension planning. Through "one insurance and four uses", "one-stop" meets the comprehensive protection needs of customers for mild illness, critical illness, value and pension.

2. Increase the amount of dividends and long-term insurance, and the guarantee will increase three times a year.

With the distribution of the increase dividend of the main insurance, the effective insurance amount increases year by year and is exempt from underwriting and physical examination, which helps to avoid the risk of "shrinking protection (relative to inflation, medical expenses**, etc.) in the future". The Specified Illness Benefit, Critical Illness Benefit and Worth Benefit of this plan grow dynamically with the increase of the effective sum assured.

3. Specific diseases show care, and health care is advanced.

The supplementary Critical Illness of the Plan not only provides protection for up to 42 types of critical illnesses, but also provides care and care for 10 specific diseases in advance.

4. Add a helper to capital turnover, and ensure a guarantee for life and career.

During the validity period of the contract, if you are in urgent need of working capital, you can use the policy loan function or policy reduction function of this product to relieve the financial pressure and help your life and career. One policy to protect your life and connect your business.

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

As a dividend-paying critical illness insurance, Jinyou Life debuted with the slogan "Money is more protective than the sky", but the actual dividend situation is uncertain.

China Pacific Insurance is a group company, and many people think that the strong backer of Jinyou Life is Pacific Insurance, but in fact, it is more accurate to say Pacific Life.

At present, there are more than 2,800 branches in the country, and the main business indicators are in a relatively leading position in the domestic life insurance market.

Judging from the above data, Pacific Life should be a well-known and guaranteed large company.

Next, Daddy will use "Jinyou Life Whole Life Insurance (Partaining) Section A (2018)" to analyze the common problems of the product "Jinyou Life".

1. Illness protection: Cover mild and serious illnesses, and lack of moderate illness.

After the diagnosis of 110 critical illnesses, only 100% of the basic sum assured will be paid, and there will be no additional claims, and the compensation ratio for mild illnesses is only 20%, which does not reach the mainstream level in the market.

2. Payment period: can be paid in annual installments.

The leverage ratio is not enough, and the maximum payment period of "Golden Blessing Life" is only 20 years.

Nowadays, most of the products on the market have a payment period of 30 years, and the 30-year payment period can reduce the financial pressure of many families. If you are looking for a product with a long payment period, Daddy recommends considering "Cintai Super Mario Critical Illness Insurance No. 3 MAX". For details, please see here "Super Mario No. 3 MAX Critical Illness Insurance In-depth Review, it didn't take long to upgrade again!"

Xueba talks about insurance, focusing on insurance product evaluation! A lot of people ask about critical illness insurance, and I've combed through most of them here:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

This Jinyou life is said to be a collection of protection and money, let's take a look at its guarantee content first:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and you can see others complaining every time, so what is this product? I'm here to share the analysis with you:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

From the analysis, we can know that the content that has been complained about is not all wrong, and 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 types of minor illnesses and pays 3 times, the compensation for minor illnesses can only pay 20% of the basic sum insured. Not enough of the 30% payout level on the market.

2. Lack of protection for moderate illness

There is still no protection for moderate illness, but in recent years, many products in the insurance industry market have added a column of moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness, and moderate illness protection is an important means to alleviate the pressure of critical illness in the early stage.

3. The dividend protection is slightly poor

There are two kinds 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. The insured will not receive dividends directly, but will accumulate them in the policy and can increase the sum assured for a major critical illness.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. But in reality, only one of the bonuses can be chosen.

4. Premiums are expensive

From **, you can know that if it is a 30-year-old male policy with a lifelong guarantee, the 500,000 sum insured will be paid for 20 years, and the annual premium of 19,650 yuan will be paid, almost 20,000! It can be said that it is very expensive.

Summary: From the perspective of the overall protection of Jinyou life, the protection of this Jinyou life is not comprehensive enough, ** and very expensive, not cost-effective, poor market competitiveness, with such a budget, you can choose a better product, it is recommended to read the list before choosing:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Jinyou Life is Pacific Life's critical illness insurance product and a participating insurance. There are several versions of Pacific Kimyolife: KimyoLife 2017A, Kimyo Life 2017B, and Kimyo Life 2018**.

So what about Jinyou Life: "Pacific Jinyou Life: How about the participating insurance that can be retired after upgrading?"

As a lifelong critical illness insurance product of Pacific Life, Golden Life Insurance covers 100 types of critical illness benefits, 50 types of minor illness benefits, death benefits and waivers for the insured.

Its highlight is that it is a participating critical illness insurance, which can not only get the basic sum assured, but also the corresponding dividends in terms of critical illness claims.

At the same time, it is stipulated that the basic sum assured and accumulated dividend sum assured can be paid after the death of the insured, that is, the insured can get the money from the insurance company regardless of whether the insured has a critical illness or dies.

But the dividends of this product are uncertain, and in the eyes of the father, Jin Yousheng may disappoint everyone in terms of dividends.

First of all, the dividends of Jinyou Life are mainly divided into two categories: annual dividends and terminal dividends.

The so-called annual dividend refers to the annual dividend received by the insured.

However, these dividends are not directly paid to the insured in the form of discounts, but are accumulated on the policy, so that the sum insured continues to increase.

The terminal bonus refers to the payment at the termination of the contract, which is divided into a care payment and a special bonus.

But the most important thing is that you can only choose one of the two bonuses, and the amount is not high.

At the same time, the dad also found that the contract of Jin Yousheng clearly wrote - "the distribution of dividends is uncertain".

Its main insurance is a participating whole life insurance, and the additional insurance is a whole life critical illness insurance, which is essentially a participating whole life critical illness.

。"It's true that the Internet says that Jin You's life is not good? 》, a must-see before buying.

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

Let's take a look at the advantages first: 1) The sum insured will increase according to the annual dividends, which has a bit of a role in resisting 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.

Cons: Honestly, there are quite a few disadvantages.

To sum up, dividend-paying critical illness insurance has never been favored by me, even if the Jinyou life brand is loud, the cost performance is still worrying, it is recommended to buy insurance or to separate protection and financial management, in order to make the best use of each.

I have a plan in hand to do insurance. If you are not professional, please ask the landlord for guidance. Take 30 years old, for example.

Save for 15 years. There are 222,130 yuan per year. 274525 yuan for 70 years old.

Critical illness coverage for life. The number of major diseases has been raised to 62. There are 12 mild symptoms.

And as long as you have a disease that is on the insurance contract. You can all waive the premium. The product is good.

Suitable for the elderly.

The 10-year payment has been discontinued, and on November 20, all the sales of Jinyou will be discontinued!

This is a critical illness insurance product, how the product is, we only know it with comparison; Let's take a look at the ranking of Jinyou Life in domestic critical illness insurance"Jinyou Life Ranks among the 136 Popular Critical Illness Insurance in China".

Let's take a look at the content of this product (see image below):

Looking at the picture and speaking, the advantages are these:

1. High brand awareness, many branches, and a wide range of audiences, if you want to say that the hard power of insurance companies, there are few that can compare with the Pacific Ocean, but insurance also depends on soft power - product content;

2. Flexible payment methods, the policyholder can choose to pay in five ways: one-time, 5 years, 10 years, 15 years, and 20 years, which is more suitable for consumers with different needs;

3. Dividends can be converted into annuities in whole or in part. However, this annuity conversion right is a bit of a frustration and is obviously only aimed at a small number of policyholders who want savings protection.

On the other hand, the flaws are very obvious:

For example, the experience of mild illness protection is very poor, only 20% of the compensation ratio; The protection is not comprehensive, there are many shortcomings such as not including moderate disease protection, etc., before specifically for the shortcomings of this product, I have done a systematic evaluation, the link is attached, you might as well understand it"."It's true that the Internet says that Jin You's life is not good? 》

In general, this product is indeed just like what is said on the market, the good and bad are so obvious, having said so much, whether it is good or bad, you should also know it in your heart, so is there anything worth buying for critical illness insurance products? The following article may be able to help you"."Top 10 Popular Critical Illness Insurance Points Worth Buying! 》