I would like to know more about Jinrui Life by Pacific Insurance, the more detailed the better. Th

Summary. Hello dear, Jinrui Life 20 Years Insurance is not bad, it is worth buying, Ping An Jinrui Life 2020 Gold Insurance can be matched with a universal account to achieve compound interest and appreciation.

Hello dear, Jinrui Life 20 Years Gold Loss Insurance is not bad, it is worth buying Zheng Hu to buy, Ping An Jinrui Life 2020 Gold Insurance can be used to achieve compound interest appreciation with a universal account.

The protection obligations are as follows: Survival Benefit: 30% of the Basic Sum Assured will be returned for each hidden year from the 7th to the 14th policy year; Death Benefit:

the largest amount of repentance premiums and cash value paid; Double Care Minor Illness Insurance (optional): Covers 50 minor illnesses for a period of 15 years, of which the amount of compensation is as follows: Universal Account Value when taking out the insurance - (Universal Account Single Payment Insurance Premium + Universal Account Cumulative Additional Insurance Premium) and the minimum value of 2 million compensation.

It is worth reminding that if a minor illness occurred in the first 5 years of the universal account, if the premium has not been added to the universal account, once the minor illness is suffered, it will not be able to make a claim. However, as the company continues to add premiums to the universal account in the future, the account value will also increase, and the insurance benefit for minor illness claims will also increase. This product has a big advantage:

Return high! Starting from the fifth policy year of this product, if the premium is paid in 3 or 5 years, 60% of the premium will be refunded every year; 100% of the premium will be refunded every year; Return of the sum insured at maturity. If the returned funds are not withdrawn in full into the universal account, it is conducive to compound interest rollover.

This product is relatively slow, and if it is a short-term investment, the return is not high; But the long-term benefits are substantial.

Pacific Insurance Company does not have Jinrui Life insurance, Pacific Insurance Company sells Jinyou Life and Jinnuo Life, and Jinrui Life is a product of Ping An Insurance Company. Hahahaha, it's all because these names are too similar! Causing the subject to be confused!

I guess the subject wants to ask Jinrui Life about this product, so I have prepared this information for you:It is said on the Internet that Jinrui's life is not good, is it true?

However, now that Jinrui Life has been discontinued, Ping An has newly launched Jinrui Life 20, which is equivalent to an upgraded version of Jinrui Life. Next, let's talk about Jinrui Life 20, an insurance product composed of Jinrui Life Annuity Insurance and Jucaibao Whole Life Insurance (Universal)! Without further ado, let's start with the picture above:

From the picture, it can be known that the advantages of Jinrui Life 20 are:

1. Large company brand

Ping An is a household name, and it is more assured to buy.

Jin Rui's life is 20 like a scumbag, there are few advantages, but there are a lot of disadvantages:

1. The income is not high

Jinrui Life 20 is an annuity insurance that focuses on investment and financial management and short-term benefits, annuity insurance + universal account type, and its insurance rules are:

Issue age: 0-65 years old.

Payment period: 3 years, 5 years, 10 years.

Duration: 15 years.

How do you calculate its benefits? Is the yield high? If you want to see the details, you can read this article:Ping An of China [Jinrui Life]: The real income is lower than that of Yu Bao?

The universal account of Jinrui Life 20 is a universal type of Jucai Bao 20 whole life insurance, with a guaranteed interest rate, and the actual calculated interest rate is uncertain. The guaranteed interest rate is low, not even Yu Bao, and I have to say that I am not sure in the future, like a scumbag who "I like you, but I can't be sure when I will marry you".

2. Not flexible enough

If my friend needs money, he can withdraw money from the universal account, but there will be a handling fee for the first 5 years, and the handling fee for the first 5 years is %.

If you usually have spare money, you can also invest in the universal account and enjoy the appreciation, but you also have to pay a 2% handling fee when investing. In addition, it is necessary to consult the insurance company specifically as to whether there is a limit on the amount of additional investment.

Isn't this just a scumbag like a scumbag who "you want to break up with me, but you need a breakup fee"?

3. Poor security

Jinrui Life 20 It can be attached to the mild illness double protection fund, and 50 mild illnesses are only compensated once. And only if we have invested in the universal account, we can attach mild illness protection, and the amount of mild illness insurance can be paid depends on the total value of our universal account in the current year - the difference between the sum of the single premium and the additional premium, which amount is smaller than 2 million.

My friend, she impulsively bought this is the ** person recommended this can be financial savings, and there is mild disease protection, in fact, it has very little protection, just like a scumbag, it can't give you a sense of security!

It is better to use part of the money to buy a cost-effective million-dollar medical treatment, which is more secure. This hot million medical products sorted out by staying up late are worth a look at you:Ultra-complete! Comparison table of popular medical insurance in China

All in all, the protection of Jinrui Life 20 is not comprehensive enough, and the income of annuity insurance is not high, so you need to be cautious when purchasing.

。Founded in '91, Pacific Insurance is a senior insurance company in the insurance industry, and has been listed in the Fortune Global 500 for eight consecutive years. Let's evaluate Pacific Insurance Company with the following three questions:

1.Compared to other companies, are Pacific Insurance's products worth buying?

The popular products of Taiping type insurance are Jinnuo Life, Jinyou Life, Anxingbao Auspicious Life, Love Guardian, etc., I spent a week comparing the products of Pacific Company and sorting them out"Seven Products Worth Buying in 2020 by Pacific Insurance".。Friends who are keen on this company in the Pacific can take a look.

2.Is the service level of CPIC high?

The big data of the China Banking and Insurance Regulatory Commission (CBIRC) rates services according to indicators such as whether the claims service is good, how many complaints there are, whether the policy is delivered quickly, and the speed of business processing, among which the highest level is AAA.

The ratings of Pacific Insurance are as follows:

3.Is Pacific Insurance reliable?

Some people are worried that Pacific Insurance is unreliable, probably because they are worried about not making claims after buying insurance. This is easy to do, and the higher the ranking, the more reliable it is. I stayed up late analyzing various companies and put together a following:

What are the top 10 insurance companies. As you can see, Pacific Insurance is number one.

That's all for me"A detailed introduction to the life of Pacific Jinrui"

Summary. After the contract expires for 7 years, the insurance company will give the insured 30% of the basic insurance amount every year until the last year. The second is the Special Survival Allowance, which is paid twice in the 5th and 6th years, respectively, in proportion to the annual premium.

In addition, there is a maturity payment, which is paid after 15 years if the insured is still alive, and the maturity payment is based on the proportion of the sum insured. This insurance also has a death benefit, which pays the premiums paid or the cash value.

How much does Pacific Insurance Jinrui Life pay after the death of paragraph C.

Hello. After the contract expires for 7 years, the insurance company will give the insured 30% of the basic insurance amount every year until the last year. The second is the Special Survival Allowance, which is paid twice in the 5th and 6th years, respectively, in proportion to the annual premium.

In addition, there is a maturity payment, which is paid after 15 years if the insured is still alive, and the maturity payment is based on the proportion of the sum insured. This insurance also has a death benefit, which pays the premiums paid or the cash value.

My mother bought 30,000 insurance amounts, and only paid more than 5,000 when she died.

Hello, it can be seen in the value of the policy.

Pay $2,710 per year.

A total of 54,200 yuan for 20 years.

Jinrui Life Section C Premium Table:

Age Female 20 years Contribution Unit 0 164

There is no additional maternity insurance and women's illness insurance, which are very important for women to apply for life insurance products!

。Founded in 1991, Pacific Insurance Company is a senior insurance company and has been selected as one of the world's top 500 companies for eight consecutive years. How to evaluate Pacific Insurance Company, mainly look at three questions:

1.Compared to other companies, are Pacific Insurance's products worth buying?

There are many products under the Pacific Ocean, Jinfu Life, Happy Million, Children's Super Energy Treasure Auspicious Life, Wealth and Wisdom Win-Win are its main promotions, I spent a week studying the products of Pacific Insurance and sorted out one"List of the Seven Best Products to Buy in Pacific Insurance".。After reading it, you will know which product is good.

2.What is the level of Taiping Insurance's service in the same industry?

In order to provide consumers with a standard, the China Banking and Insurance Regulatory Commission (CBIRC) has rated the services of insurance companies according to indicators such as complaint rate, claims service, and business handling efficiency, with AAA rating being the highest and D rating being the lowest.

The ratings of Pacific Insurance are as follows:

The form shows that the Pacific Ocean is AA graded, which is a high level. Next year will be different.

3.Is Pacific Insurance reliable?

As you can see, Pacific Insurance is number one.

That's all for me"A detailed introduction to the C paragraph of Pacific Life Insurance"