How much does a 43 year old woman cost for a 43 year old woman in Jinyou Life

In addition to age, the ** of Jinyou Life is also related to gender, how many years to pay, purchase share, and additional protection, only knowing that some conditions are difficult to calculate. However, the content of this product is complicated, so it is recommended to understand it before buying.

It is said that Jinyou Life can make money while guaranteeing, and it directly depends on its security content:

The product form of Jinyou Life is "single compensation for critical illness + 3 claims for mild illness", and you can see its criticized remarks everywhere, how does Jinyou Life compare with the popular critical illness insurance on the market? If you are interested, you can look at the article:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

From the analysis, we can conclude that there is indeed a reason for being complained about, and it still has many shortcomings, such as these shortcomings:

1. The proportion of compensation for mild illness is low

Although the product covers 50 mild illnesses and pays out 3 times, only 20% of the compensation ratio is paid. You have to be able to reach 30% to be considered normal.

2. Lack of protection for moderate illness

Moderate illness protection is missing, and the excellent critical illness insurance on the market has already added 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

Let's talk about the 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. The insured person cannot receive the dividends directly, but accumulate them in the policy, so that the sum assured for critical illness gradually increases.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, these three bonuses cannot be both, and can only pay one for three.

4. Premiums are expensive

From **, you can know that a 30-year-old man's insurance policy is guaranteed for life, 500,000 insurance amount is paid in 20 years, and 19,650 yuan is paid a year, and the premium is relatively high! It can be said that it is very expensive.

Summary: In general, the cost performance of Jinyou life is low, the market competitiveness is relatively poor, the price is expensive and incomplete, there are many better products with such a budget, and the list is presented for reference:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

"It's true that the Internet says that Jin You's life is not good? 》

You can find out.

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) The insurance company Pacific is famous, and its service outlets can be found in many cities and towns, with many employees and convenient services.

Disadvantages: Honestly, there are quite a few disadvantages.

The dividends of Jinyou Life are uncertain, and the premiums are really not cheap, and more importantly, not only that, but in terms of disease protection, Jinyou Life is also very average! There is too much content, and I have written all the reasons in this article, you can take a look"It's true that the Internet says that Jin You's life is not good? 》。

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.

Hope, thank you!

Jinyou Life Critical Illness Insurance: 43-year-old female pays 530 for 20 years, 613 for 15 years, and 848 for 10 yearsBuy insurance as early as possible.