Kim Yo Life Premium Price List, Pacific Kim Yow Life Rate List Kim Yoo Life Premium Price List

Xueba talks about insurance, focusing on insurance product evaluation! Many people ask the question of critical illness insurance, and the comparison of more than 100 critical illness insurance is in this comparison table:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

Jinyou life** and age and gender, purchase share, additional protection, annual payment are related, to list the ** table is not practical, but here is a reminder, buy insurance must be clear to see its protection content.

Jinyou Life is known as "protection + making money", let's take a look at its security content first:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and it can be seen everywhere that it is criticized, is Jinyou life really bad? I've compiled the details in this article:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

After analysis, it can be found that there is indeed a reason for being complained about, 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 mild illnesses and pays out 3 times, the compensation ratio is only 20%. Not enough of the 30% payout level on the market.

2. Lack of protection for moderate illness

There is no moderate illness protection in the product, 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 can well alleviate the early cost of critical illness.

3. The dividend protection is slightly poor

There are two types of dividends in Jinyou's life: annual dividends and terminal bonuses.

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

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 the above**, we can know that if it is a male 30-year-old policy with a lifelong policy, 500,000 insurance payments for 20 years, and the annual premium is 19,650 yuan, close to 20,000 a year! It can be said that it is very expensive.

Summary: On the whole, Jinyou life is expensive, the guarantee is not comprehensive enough, the cost performance is very low, the market competitiveness is poor, if the budget is sufficient, there are better options under the same conditions, if you are interested, you can take a look:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

Xueba talks about insurance, focusing on insurance product evaluation! Comparison table of the latest 136 popular critical illness insurances

A one-time gift to you.

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

You can find out.

Then I will give you an analysis of 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) As a veteran company, Pacific Insurance has a loud brand, many employees, and service efficiency has been in place.

Disadvantages: Honestly, there are a lot of disadvantages.

Strictly speaking, the dividends are uncertain, the premiums are not cheap, and more importantly, in terms of disease protection, Jinyou Life is still not worth recommending! There's too much content, I'm afraid you won't understand, this is a condensed version of the content, I wrote the reasons in this one I know, you can take a look"It's true that the Internet says that Jin You's life is not good? 》。

In the end, I have always discouraged dividend-paying critical illness insurance, even if Jinyou Life is famous, it is difficult to escape the label of low cost performance, so when configuring insurance, separating protection and financial management can maximize returns.

Hope, thank you!

Golden Life is a British-style critical illness insurance with dividends. The premiums vary according to the age, gender, and health status of the insured, and the lower the age, the lower the premium, and the lower the premiums for women than men. The basic sum insured is a dividend of $10,000 per sum insured.

There are several payment methods: single payment, 5-year payment, 10-year payment, 15-year payment, and 20-year payment.

Is Pacific Jinyou a high rate of living? Kim Woo Life is a best-selling critical illness insurance product of Pacific Insurance, providing critical illness and mild illness protection, covering a total of 72 illnesses with a premium waiver function. So, is Pacific Gold Life premium expensive?

Below, let's take a look at the Pacific Golden Blessing Life Rate Table.

Pacific Golden Blessing Life Rate Schedule

Pacific Jinyou Life Long-term Health Protection to Lifetime, covering 60 critical illnesses + 12 specific diseases, subsequent premiums can be waived, health plus pension, four-in-one protection function, and you can enjoy the company's expected annualized expected income from dividends.

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"