Hello, is Pacific Insurance Jinyou reliable?

Xueba talks about insurance, focusing on insurance product evaluation! Many people ask the question of critical illness insurance, 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".

Many people ask whether Pacific Jinyou's life is reliable, so let's analyze it in detail.

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and many people have complained about this product since it was put on sale, so is Jinyou life really bad? See this article for details:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

From the above analysis, we can see that there is indeed a reason for being complained about, and it still has many shortcomings, such as the following shortcomings are really very obvious:

1. The proportion of compensation for mild illness is low

Although the product covers 50 mild illnesses and pays 3 times, only 20% of the claims are paid for mild illnesses. This is less than the 30% payout level on the market.

2. Lack of protection for moderate illness

There is no moderate illness protection in the product, many products on the market now have 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 types of Golden Blessing Life: annual dividend and terminal dividend.

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, which will increase the sum assured 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

It can be seen from ** that a 30-year-old man who buys an insurance amount of 500,000 yuan will pay it for 20 years, and the protection will be lifelong, and he will have to pay a premium of nearly 20,000 yuan per year, which is very high! It can be said that it is very expensive.

Summary: From the perspective of the overall protection of Jinyou life, Jinyou life is the most expensive, the protection is not comprehensive enough, the cost performance is extremely low, the market competitiveness is poor, there is no need to buy such a product, there are many better, here is a list:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

To you who know this when you see this.

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

I suggest you take a look.

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) The company where Jinyou Life works is Pacific Insurance, which has strong strength, has cultivated a large number of offline people, and has many service outlets, which makes it very convenient to apply for insurance and settle claims.

Disadvantages: Honestly, there are quite a few disadvantages.

The premiums of Jinyou Life are really not cheap, and the dividends are even more uncertain, and more importantly, from the perspective of disease protection, Jinyou Life is also not an excellent critical illness insurance! Yes, it's more detailed, there are too many words, and I've written 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!

The insurance company is reliable, and the product is also reliable, depending on whether the product is suitable for you.

One of the selling points of Jinyou Life is that there are dividends, but it is written in the contract that the dividend income is uncertain. Kim Woo Life is a critical illness insurance withdrawn from Pacific Life Insurance, which is divided into two parts: the main insurance "Kim Woo Life Insurance (Participating)" and "Additional Kim Woo Life Early Payment Critical Illness Insurance".

The sum insured is 10,000 yuan per share, and the dividend is an increase in dividends, which is directly increased to the sum insured, and cannot be claimed halfway, and the effective sum assured of the policy is the basic sum assured of 10,000 yuan per share plus dividends.

The main insurance covers the death and total disability of the insured, and the compensation will be paid directly according to the effective sum insured, and the main insurance and additional insurance will be terminated at the same time. If the insured is diagnosed with one or more of the 42 major illnesses for the first time, the compensation will be paid according to the effective sum insured, and the main insurance and additional insurance will be terminated at the same time. If 10 specific diseases are diagnosed first, 20% of the effective sum insured at the time of diagnosis will be paid, and the contract will continue to be valid, and the remaining 80% will be paid when the insured dies, is totally disabled, or is diagnosed with 42 serious diseases, and the contract is terminated;

In addition, the contract has the function of converting annuity, according to the current provisions of the conversion annuity contract, as long as the insured is under the age of 75, you can apply for conversion, the insurance company will calculate the cash value of the policy at that time, and the dividends will also be converted into cash value, and the insured can choose to convert in full or partially, of course, if the full conversion, then the policy of Jinyou Life will be terminated. Personally, I think that this insurance is still good as a serious illness insurance, but if you want to count on him to make money and hope to get back how much income he can get back after 10 years or 20 years, it is recommended that you consider buying other insurance that focuses on investment income, such as long-term Hongfa Nian, or short-term dividend profit A.

The products are all regulated by the CIRC. Reliable. The dividend is uncertain, so the income can only depend on the company's operating conditions every year.

Any insurance company is reliable, and it is necessary to carefully read the terms of insurance liability to prevent misleading.

Reliable. Gold medal insurance in the insurance industry. Wide range of coverage, such as sickness, life, growth, old age, and immunity. It is a health insurance that will grow up.

No problem. Gold Award Insurance.

Hello, you can rest assured, Jinyou Life Insurance, Illness Protection, Life Protection, Pension Insurance, Exemption is worth your own.

Hello, absolutely reliable, Jinyou Life is the best type of insurance.

Any insurance company is reliable.

It's a good type of insurance.

A highly rated critical illness health insurance in the insurance industry.

Very reliable and has won a gold award.

Golden blessing life, gold medal in the industry, insurance amount dividend, sickness protection, old age, growth, insurance, life, and growth insurance.

As a life insurance, the Jinyou Life Insurance Plan is really good. On the basis of the 25 categories of serious illnesses stipulated by the Insurance Association, CPIC's Jinyou Life Insurance Plan has been increased to 42 categories, providing more protection and peace of mind; Considering that the medical expenses are increasing year by year, especially the function of increasing the amount of serious illness insurance, the increased insurance amount is exempted from physical examination, so that customers can purchase insurance at one time and have no worries for life; We also offer advance payments for 10 mild diseases. The advance payment amount is 20% of the critical illness insurance amount.

We can prevent minor illnesses from occurring in a timely manner.

Every insurance company's trump card product is often compared and attacked. Jinyou Life AB is to increase the amount of dividends, the amount of insurance will also increase, and its own protection is also relatively complete. With the increase in the amount of participating insurance, if the business is good and the dividends are high, it will definitely be beneficial in the long run.

No matter how bad the dividends are, the original sum insured will not be affected. Pacific Jinyou Life Insurance can cover 60 major illnesses and 12 minor illnesses, covering a wide range of diseases and providing strong protection.

This product is cost-effective, and with a successful down payment of premiums, as long as the observation period is 180 days, you can enjoy high protection for a lifetime. The exchange of low premiums for high critical illness insurance fully reflects the insurance function of fighting big battles with small premiums. During the payment period, if the insured unfortunately suffers from one of the 12 minor illnesses listed in this contract, after paying 20% of the insured amount, the future insurance premiums will not be paid, and this contract will remain valid.

Claims only need a pathological diagnosis report, no invoice, simple procedures, during the customer's first period, you can apply for insurance money, in order to solve the urgent need, so as to send charcoal in the snow.

CPIC is not only strong, but also has excellent service quality. Provide users with all kinds of insurance products and services, and establish a large service team. With branches and service outlets across the country, CPIC keeps pace with the times, actively enters the field of Internet insurance, and interacts with users online and offline.

CPIC has also opened a nationwide service of **95500 for customers, and users can enjoy the services of CPIC through **, stores, official websites and other channels. From preliminary consultation, to product selection, insurance payment, and follow-up claims, CPIC provides users with one-stop insurance services to improve service experience.

It's not true, don't believe all kinds of financial products in any bank, all of them are the routines of merchants, and many people will regret it very much because of a momentary negligence.

I bought it for seven years, 12,444 yuan per year, and I went to surrender the insurance in the first few days, and I returned more than 40,000 yuan, which is a big pit.

It's true, this insurance is trustworthy, and this insurance also has a very good after-sales service, so you should buy Pacific Insurance.

It doesn't seem to be true, and it has now been revealed that there is a certain problem with this insurance, so we must pay more attention when we buy it.

It's true, because Pacific Insurance is a big company and it won't scam you.

It's true, but be sure to pay attention to the content and terms, and be sure to read carefully to understand the specific content of this insurance.

After buying it for five years, I spent 30,000 yuan and returned more than 9,000.