I am 38 years old this year, and I buy gold to bless my life, how much do I pay every year

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".

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.

Jin You's life is hotly advertised, saying that it is guaranteed and can make money, and whether the insurance is good or not depends on the protection first:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and every time you can see others complaining, is this product worth buying? If you want to know the specific situation, read this article to get a glimpse:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

This analysis tells us that many of these complaints are correct, 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 3 times, only 20% of minor illnesses can be paid. Not enough of the 30% payout level on the market.

2. Lack of protection for moderate illness

There is still no protection for moderate illness, most excellent critical illness insurance has moderate illness protection, and compared with critical illness, moderate and mild illness are often the precursors of critical illness, and the pressure in the early stage of critical illness is relieved by moderate illness protection.

3. The dividend protection is slightly poor

The dividends of Jinyou Life are divided into: annual dividends and final bonuses.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. The insured cannot receive dividends directly, but accumulate them on the policy, which can increase the sum insured for a major critical illness.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, only one of these three bonuses can be paid.

4. Premiums are expensive

From the above**, we can know that a 30-year-old man's insurance policy is guaranteed for life, with an insured amount of 500,000 for 20 years, and the annual premium is very high, close to 20,000! It can be said that it is very expensive.

Summary: On the whole, this Jinyou life can not meet the protection needs of consumers, and it is more expensive, the market competitiveness is very poor, if the budget is sufficient, there are better choices under the same conditions, you can refer to this information, carefully compare and then buy:"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? 》

A must-see before you buy. <>

Next, I will analyze the advantages and disadvantages of Jin You's life:

Advantages: 1) The sum insured will increase according to the annual dividend, which has a certain effect on resisting 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 quite a few disadvantages.

The dividend income of Jinyou Life is average, the premium is also unsatisfactory, and more importantly, in terms of disease protection, Jinyou Life is still not worth recommending! It's too long, and it's inconvenient to show, so I've written all 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!

The possibility is too great, from thousands to hundreds of thousands, millions, or even hundreds of millions.

It's like asking how much a meal can cost. It depends on what you eat and how you eat it.

How much does Jin Yousheng receive at the age of 60, because there is no premium return function after the age of 60, and the annual dividends are used for purchasesSum insuredThe specific amount is related to the operation of the insurance company, and there is no fixed regulation.

There are several ways to get your funds back:

1. Apply for surrender.

Apply for a surrender to receive the cash value of the policy.

The cash value of a product is also known as the surrender benefit, and the amount of cash value that can be obtained can be checked in the cash value table attached to the contract corresponding to the current policy year. The amount of cash value is also directly proportional to the time of insurance of the policyholder, that is, the longer the insurance time, the higher the cash value that can be obtained.

However, under normal circumstances, it is not recommended to apply for surrender during the coverage period, which may bring certain financial losses to yourself.

2. Policy loans.

Using a policy cash value loan is also a way to get cash using an insurance product. However, the interest rate of this method is relatively low, and the loan amount is limited. You can take out a credit line with a bank or loan intermediary to increase the amount of the loan, but the interest rate of the loan will also increase.

3. Claim for accidents.

Because Jinyou Life is a critical illness insurance with increased dividends.

Suffering from a minor illness or a major illness during the period of protection of the insured.

In the unfortunate event of death, you will receive the agreed amount of payment.

Hello dear is happy to answer for you, Jin Yousheng is the cash value of the policy returned for six years; Cash value of the policy = the total amount of premiums paid - the relevant expenses of the insurance company (salesman commission, policy cost, etc.) + the interest generated by the remaining blind premiums, the insurance company generally focuses on deducting the relevant expenses mentioned above in the first few years of insurance, so the remaining premiums that can get interest in the previous years are actually relatively small; In addition, since the actual premium invested and the selected payment period are different for each Golden Benefit Life policy, it is uncertain how much cash value can be returned; It is necessary to refer to the cash value table in the policy, or directly refer to the results of the surrender accounting of the insurance company.

Xueba talks about insurance, focusing on insurance product evaluation! Critical illness insurance is the most frequently asked question, and I have combed through most of the critical illness insurance and put it here:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

How much money can you get for 20 years depends on the share of the purchase and the annual dividends, you can't estimate the specifics, this product hides a mystery, and the following content must be seen.

This Jinyou life is said to be a collection of security and money, and the content of the guarantee is presented:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", which has been complained about, how does Jinyou Life compare with the popular critical illness insurance on the market? See this article for details:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

According to the above analysis, we can know that it is not wronged at all to be complained about, 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, it can only get 20% of the basic sum assured. If you can reach the same 30% of the payout level in most markets in the market, you will be considered to be passing.

2. Lack of protection for moderate illness

There is no such thing as moderate illness protection, most excellent critical illness insurance has 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

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. Dividends are not paid directly to the insured, but are accumulated 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, these three bonuses cannot be both, and can only pay one for three.

4. Premiums are expensive

**Told us, a 30-year-old man's insurance policy is guaranteed for life, 500,000 insurance is paid for 20 years, and the annual premium is close to 20,000, which is very high! It can be said that it is very expensive.

Summary: From the overall protection of Jinyou life, the cost performance of this product is slightly lower, but it is expensive but there is no very comprehensive protection, there are many better options for the same conditions, and you can collect it for reference slowly:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

According to the amount of premium you pay to get money, pay more and get more, this product can not only protect the sick but also provide for the elderly, a very good product.

"Characteristics of Wealth Creation".

Get the money as soon as you pay it – hurry up.

Don't pay the money back to get it back - for a long time.

After receiving the principal, you will also receive the money - Niu Niu Niu.

Unexpected risks don't pay – good, good.

It doesn't cost you money for a lifetime - it's great.

Leave a lot of money for your children and grandchildren - pass it on.

Sir, you buy Jin You Life It is a kind of protection and endowment insurance, the most important thing is to protect diseases, you want to get money at the age of 60, then according to the premiums you pay, see how much dividends you get in the account?

This is mainly to take care of critical illness, and the pension can receive a part of it, and if you receive it all, it is surrendered

Hello, Kim Woo is to keep healthy advice to receive.

Hello! Jinyou Life is a health insurance, if you want to buy wealth management products, you can buy Pacific Insurance's happiness companion products, you can have both.

Dear, you are protected from serious illnesses, not financial products, and you will be reduced if you receive the protection.

The protection of the product conversion annuity must be said when you think that you cannot have a serious illness, buy more and receive more, buy less and receive less! Two.

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

will help you.

Then I will give you an analysis of the advantages and disadvantages of Jin You's life:

Advantages: (1) The sum insured will increase according to the annual dividend, which has a certain effect on resisting 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.

Cons: Honestly, there are quite a few disadvantages.

To sum up, I have never recommended participating critical illness insurance, even if it is a big brand product like Jinyou Life, buying insurance protection and financial management still have to be separated, in order to make the best use of each.

Summary. Hello, it depends on how long your payment period is and the cash value. The cash value can be refunded for five years due to different payment periods, premium payment amounts, dividend interest rates and other factors, which may lead to differences in cash value, so the policyholder and the insured need to check the specific amount in the cash value table of the policy.

For example, if you pay a 20-year insurance policy for life, a first-year premium of 11,790 (including an additional Jinyou Life Early Payment of Critical Illness Insurance A 18th Edition Premium of 3,510), and a mid-range dividend, the cash value that the policyholder can get is 21,948 if the policy is surrendered after five years.

Hello, it depends on how long your payment period is and the cash value. The cash value can be refunded for five years due to different payment periods, premium payment amounts, dividend interest rates and other factors, which may lead to differences in cash value. For example, if you pay a 20-year insurance policy for life, a first-year premium of 11,790 (including an additional Jinyou Life Early Payment of Critical Illness Insurance A 18th Edition Premium of 3,510), and a mid-range dividend, the cash value that the policyholder can get is 21,948 if the policy is surrendered after five years.

Buying insurance is still based on your own situation.

**The term is fifteen years.

The payment period is 15 years.

Look at the cash value in your policy. Depending on the number of years you have paid, you won't get much money back in five years.

It is not cost-effective to surrender the policy now, so it is recommended that you continue to pay the premiums.