Pacific Jinyou is a 33 year old man with an insurance amount of 150,000 yuan, how much does it cost

Xueba talks about insurance, focusing on insurance product evaluation! Too many people ask about critical illness insurance, and if you want to know more, you can check this comparison table:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

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.

Since the sale of Jinyou Life, many people have discussed, and the content of the guarantee is directly on the map:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", obviously many people complain, is this product actually good? Read this article to learn more:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

After the analysis, it can be found that the complaint is well-founded, and it still has many shortcomings, which are listed below

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. It is far from the ordinary level on the market.

2. Lack of protection for moderate illness

Moderate illness protection has not been supplemented, 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, 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 dividends: annual dividends and terminal 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, which 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. However, you can't lose all of these 3 bonuses, you can only choose one.

4. Premiums are expensive

From **, you can know that if you buy 500,000 insurance for a 30-year-old man, it will be insured for life, and the premium will be paid in 20 years, and the annual premium will be 19,650 yuan, close to 20,000! It can be said that it is very expensive.

Summary: After analyzing this product, it can be seen that Jinyou Life is a cost-effective insurance, **expensive, but the protection is not comprehensive, there is a budget to buy Jinyou Life, you can buy other better products, the list is presented for reference:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

Pay 7,800 yuan per year for 15 years. The biggest highlight is the premium waiver. I am sick and sick and sick in Luolong District, Luoyang City. You're **.

Hello! It depends on how many years you choose to pay, 10 years of payment, 15 years of 7815 years, 20 years of 6615 years. Choose according to your financial situation.

Hello! Choose 10 years to pay, annual payment, the sum insured is incremental