To buy protection insurance, whether to buy Ping An Universal Insurance or Pacific Quanyou, who is a

Kim Woo Life Insurance covers 60 critical illnesses and 12 minor illnesses, and the premium and sum assured will increase year by year, and the important thing is to protect it for life. That's what I bought for my mom.

Hello, I'm not saying that the Pacific (Kim Yo Life) is good because I am in the Pacific Insurance Company. This product is really, really good and a good fit for your choice. Life-saving, illness-saving, pension, dividends, and premium waiver.

It is recommended that you learn about Xinhua Health Worry-free! Guaranteed wide payment, low severe and mild double compensation!

Taikang Life's million-dollar worth also carries 42 major diseases.

The best to buy the right oneself, in fact, there are many good products, 40 to 60 years old is a high incidence of major diseases, after the age of 60 to consider the elderly.

Buy universal insurance every year to deduct the cost of risk protection and critical illness protection, insurance for life, the final premium to the final deduction of the cost of protection, your account will have no money, such insurance to buy it is better to buy Pacific Jinyou life, 60 kinds of critical illness and 12 kinds of mild illness, the amount of insurance is also growing, and the insurance can also be used for life.

Pacific [Golden Life] covers 60+12 sick clocks with the widest range, high benefit amount for mild illness, and increased sum insured. The year-on-year cost performance is extremely high, and it is recommended to pay attention.

Hello, it is recommended that you buy a returnable insurance, the more years you pass, the more valuable it is. Why not maintain and increase the value of that? Good bye!

Compare and see which aspect you focus on, there is no best, only the most suitable.

Hello! Depending on your age! Ping An Zhiyue Life is suitable for your protection needs!

Don't have the best insurance? Only the right fit is the best! Zhiyue Life is insured for life!

Reflect your own value! Critical illness! Unexpected minor illness!

Reimbursement of hospitalization expenses! Whether you think that you are hospitalized for a minor illness or an accident, there is a subsidy! 200 yuan per day!

Of course, it is the golden blessing life of the Pacific, comprehensive protection, can waive the premium, I intend to chat with me privately, design a plan for you, and be satisfied with the purchase!

Pacific Insurance, of course.

You can understand the wishful companionship of people's livelihood, and you can contact me for more details that are more suitable for you.

Kim Woo of Pacific Insurance Company. Full-featured. There are 60 types of critical illnesses and 12 types of mild diseases. There is a sick tube. No sick pension. Well worth having. You can add WeChat private chat. Make a plan for you.

Ping An Life's pure universal insurance: refers to the life insurance insurance that includes insurance protection functions and has a certain asset value in at least one investment account. Ping An Universal Insurance can not only protect the life of the policyholder, but also allow the policyholder to directly participate in investment activities.

Ping An Universal Insurance offers you the possibility to solve your protection problems with just one life insurance policy for your lifetime. Ping An Universal Insurance's flexible premium payment methods and adjustable benefits make it ideal for those who need whole life insurance coverage.

Universal insurance is a very advantageous financial product with flexible payment, deferred payment protection unchanged, adjustable insurance amount, and the amount of protection can be adjusted according to different stages. What disadvantages you say depends on what angle you look at, just like flexible payment, which is good for some people, and some people feel that it is not good to be too flexible.

Now the universal can also be attached to worry-free accidents and medical treatment, only deducting the cost of protection, which is relatively lower than the cost of the separately attached production and cleaning car, and the delay in delivery, accident and medical treatment will not be out of insurance. It is a real insurance for protection + financial management. If you think about critical illness, accidental medical treatment, and retirement, then you can consider this plan.

Ping An Universal Insurance and Chinese Life Universal Insurance are uncertain every year.

Universal insurance is operated as a separate account and does not involve dividends from insurance companies. In addition, in terms of the settlement interest rate of universal insurance in the past 5 years, Ping An universal insurance and Chinese life universal insurance are equal. Both early stages are the same, just look at the later returns, there is an uncertainty in the returns, especially insurance is a medium and long-term investment; You can properly search for the benefits of Ping An Universal Insurance and Chinese Life Universal Insurance, and make a decision.

In fact, as far as insurance products are concerned, if you pay attention to dividends, then insurance products should not be the best. Some** or even other financial instruments will be better than insurance. The most important function of insurance is to protect against risks.

Dividends are his side function. The operation of the two major domestic companies is not bad, and there is little difference between Ping An Universal Insurance and Chinese Life Universal Insurance.

Hello, I don't know what your specific situation is?

For medical insurance, several large domestic insurance companies have corresponding medical insurance for sale, and for commercial insurance, Ping An, Life Insurance and Pacific are all large domestic insurance companies, strong and trustworthy. The ranking of insurance companies only has a certain reference value, and the most important thing is the choice of specific insurance types.

You can refer to how to buy medical insurance reasonably.

For different groups of people, due to the different economic status of the family, the family responsibilities shouldered, the existing security situation, etc., we should also focus on the selection, distinguish the priorities, and choose different product types, rather than being greedy for perfection.

In addition, it is important to note that it is important to screen individuals based on specific information such as age, occupation, gender, etc., and the best one is the one that suits you.

Hope it helps.

Don't believe it. When I asked you to buy it, it sounded so good. What reimburses 80%....It's convenient and fast. Full tm. I had a minor operation for 6,000 yuan. Ran all over the city. The invoices, certificates, and copies are all a few pounds....

Hello, I am the financial consultant of Taikang Life Insurance Company, congratulations on having a strong sense of insurance, our company's serious illness medical insurance, is a good health insurance for the sick and sick, and also provides green channel services for critical illnesses to solve the problem of difficult medical treatment, if necessary, you can reply.

What diseases do you want to be covered by health insurance? Do you have health insurance?

Medical insurance does not buy from the Social Security Administration? Do you want to buy accidental medical compensation insurance?

Disadvantages: Premiums are slightly more expensive than other critical illness insurance.

Advantages: Minor illness waiver is included, and the subsequent premium is waived after suffering from mild illness.

Advantages: Serious illness + 12 minor illnesses Wide coverage.

2. The value protection and critical illness protection are equal.

3. Sick insurance, disease-free pension The only major illness insurance on the market that can be converted into an annuity.

4. The increase in dividends is guaranteed to increase year by year.

5. If you suffer from a mild illness during the payment period, the premium will be waived and deemed to have been paid, and you will continue to enjoy other benefits except for the minor illness benefit in the later period.

Disadvantages: 1. Minor illness occupies the insured amount of death due to critical illness, such as 100,000 for serious illness, 20,000 for minor illness, and only 80,000 for critical illness.

2. Including dividends, the cost performance is relatively poor, and there are too many uncertainties.

You can choose a cost-effective product that is cost-effective for those suffering from mild illnesses, waive of late premiums, and do not occupy the sum insured for critical illnesses.

Advantages: Minor illness waiver is included, and the subsequent premium is waived after suffering from mild illness.

Missing: Minor illness is paid in advance, which will occupy the death sum assured for critical illness, but if it is an additional payment, it will not occupy the death sum assured for critical illness.

The disadvantage is: like general insurance, the smaller you buy, the more valuable it is, and the older you are, the less cost-effective. The advantage is that the sum insured increases with age. More and more valuable.

This is a very practical type of insurance, he has 72 kinds of disease protection, which can be converted into pension, mild illness exemption function, and death money can be obtained, the amount of insurance increases every year, it is best to combine An Xingbao accident insurance, 1 worth 1 million protection.

You're asking the wrong place, it's all ** people here.

It can be compared with the peace and blessing of peace.

Xueba talks about insurance, focusing on insurance product evaluation! There are a lot of people who ask about critical illness insurance, and interested friends can check out this comparison table:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

Since the sale of Jinyou Life, there have been many people discussing, not much to say, the guarantee map is presented:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and it will be complained about every time, so what is this product? See this article for details:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

This analysis clearly shows that being complained about is not completely unreasonable, 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 mild illnesses and pays 3 times, only 20% of minor illnesses can be paid. This is less than the 30% payout level on the market.

2. Lack of protection for moderate illness

There is no such thing as moderate illness protection, and many products on the market now have moderate illness protection, and compared with critical illness, moderate and mild illness are often the precursors of critical illness, and the cost of alleviating critical illness in the early stage is often dependent on 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. The insured will not receive the dividends directly, but will accumulate them 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 a lifelong policy, a 30-year-old man, 500,000 sum insured for 20 years, the annual premium is 19,650 yuan, close to 20,000 a year! It can be said that it is very expensive.

Summary: From the perspective of overall protection, Jinyou Life is a cost-effective insurance, **expensive, but the protection is not comprehensive, there are many better options for the same conditions, here is a list:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Xueba talks about insurance, focusing on insurance evaluation! This is a list of universal insurance products that are worth buying, and friends who want to buy universal insurance can make a reference:"Planting grass, these ten super value universal insurance for you".

Universal insurance is a type of insurance that integrates investment income, death protection, and critical illness protection, with multiple protections under one policy. This kind of insurance is the most recommended insurance by insurance companies, saying that universal insurance can cover anything. Even some large companies with first-line brands are recommending, such as Ping An.

There are many universal insurances of Ping An, such as Smart Star, Smart Star, Smart Life, Smart Win Life, etc., and the combination of these universal insurance seems to take into account financial management and protection. Is that really thoughtful? Just look down?

Let's analyze the more popular "outwitting life".

Let's take a look at its financial management features first.

The main insurance of this insurance is universal whole life insurance, which is to configure a universal account for you, it should be noted that you need to deduct the initial cost and protection cost, and the rest can be calculated as interest, and the specific interest depends on the operation of the insurance company, but the minimum is given to you. What is the concept, the interest rate of Yu Bao is about now.

What are the deduction rules for the initial fee and the cost of protection, because it is too long, I will not explain it here, you can go to my original article, which has a detailed explanation:Why was Ping's [Outwitting Life] complained by everyone? 》

Let's talk about its safeguard function.

There are no minor illnesses in this critical illness benefit, such as: For example, if you are unfortunate enough to have chronic renal dysfunction, the insurance company will not pay a penny, and will not pay you until it becomes end-stage renal disease. Nowadays, most critical illness insurance plans will cover minor illnesses, and even the sum insured is still very high.

Take a look at how it compares to other companies:"Comparison Table of 136 Popular Critical Illness Insurance in China".

The water of universal insurance is very deep, and there is no need for ordinary working families to buy universal insurance, and it is not really universal. It is recommended that you honestly buy critical illness insurance, life insurance, etc., which are specifically designed for a kind of insurance that protects the reverse.

Universal insurance refers to life insurance that allows you to arbitrarily pay premiums and adjust the amount of death insurance benefits at will. The reason why universal insurance is called "universal insurance" is that after applying for insurance, customers can adjust the sum insured, premium and payment period according to their protection needs and financial resources at different stages of life, determine the optimal ratio of protection and investment, and make the most of limited funds. Chinese Life's universal insurance has a variety of products, and the most important thing in choosing insurance is to choose the most suitable product according to your own situation.

According to the universal insurance product descriptions of many insurance companies, usually within 10 years of the effective date of the policy, the policyholder has to pay an initial fee of a considerable amount to the insurance company. The first year is the most paid, with the initial fee often accounting for 65%-70% of the premium paid, with a relatively large proportion in the first three years and a relatively small proportion after the fifth year. In addition to the risk insurance premium and initial fee, the universal insurance policyholder also needs to pay other fees to the insurance company, and some companies also charge a partial collection fee and surrender fee.

Therefore, when choosing universal insurance, we should not only pay attention to the "addition", but also analyze the "subtraction" done by the insurance company, that is, pay attention to the comparison of the deduction of various expenses of the insurance company. How to understand universal insurance, let's understand from these aspects. First of all, universal insurance is a "life insurance".

Don't think that it is a wealth management product, universal insurance is also an insurance product. Therefore, it has the basic functions of life insurance, such as: providing corresponding life protection, insurance benefits are exclusive, insurance benefits are exempt from income tax, etc.

Although it is not a tool to achieve huge profits, it can take into account investment returns and related protection, and at the same time, it can ensure our assets by legal means. It is an ideal way to store "risk reserves". Second, it is a "one-size-fits-all" life insurance.

It is said to be "omnipotent", mainly in terms of flexible payment, adjustable sum insured, and convenient receipt of policy value. First, the payment is flexible. You can choose or change the payment period at will, defer or stop paying premiums when your income changes in the future, continue to pay premiums after three to five years or more, and increase premiums one or more times.

Second, the sum insured can be adjusted. You can choose or change the "basic sum assured" within a certain range at any time, so as to meet people's different needs for protection and investment. See the "Illustrative Examples" section of the table below.

Third, it is convenient to receive the policy value.