How much does it cost for a six year old child to buy a golden life

Xueba talks about insurance, focusing on insurance product evaluation! There are many people who ask critical illness insurance-related questions, and I have compiled the most comprehensive critical illness insurance 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.

Jin You's life is known as "being able to protect and make money" to set off a discussion, and directly go to the guarantee content map:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and it has been complained about since its launch, is there really so many shortcomings of this product? 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? 》

Judging from the content of the analysis, it is not difficult to find that the content that has been complained about is not all wrong, it still has many shortcomings, and the following is listed:

1. The proportion of compensation for mild illness is low

Although the product covers 50 minor illnesses and pays 3 claims, only 20% of the basic sum insured is paid for minor illnesses. Not enough of the 30% payout level on the market.

2. Lack of protection for moderate illness

Moderate illness protection is not supplemented, many critical illness insurance on the market have moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness, and the cost of alleviating the early stage of critical illness is often dependent on moderate illness protection.

3. The dividend protection is slightly poor

In fact, there are two types of dividends in Jinyou Life: annual dividends and final dividends.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. The insured cannot receive the dividends directly, but accumulate them in the policy, so that the sum insured of the critical illness will increase greatly.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. But when it comes to claiming bonuses, only one of these three can be claimed.

4. Premiums are expensive

From the table above, we can see that a 30-year-old man who buys 500,000 sum insured will pay it for 20 years and protect it for life, and the annual premium is very high, close to 20,000! It can be said that it is very expensive.

Summary: From the perspective of overall protection, Jinyou Life is a cost-effective insurance, **expensive, but the protection is not comprehensive, the same conditions, there are many good products to choose from for such a budget, and those who need it can be collected for reference slowly:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

Jinyou Life is a critical illness insurance that can pay dividends, and many people are tempted to hear that they can pay dividends, but I think it is not cost-effective, and the specific reasons I have written before:

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

A must-see before you buy. Then I will talk about the advantages and disadvantages of Kim You's life:

In terms of advantages: 1) The annual sum insured will increase with dividends, which can slightly curb inflation;

2) The company's brand awareness is high, and there are many branches and offline people, so that the service outlets of the Pacific are easy to find, and it will be more convenient to apply for insurance claims.

Let's look at the disadvantages first: Honestly, there are quite a few disadvantages.

Jin You Life's product, whether it is based on dividend responsibilities or premiums, is unsatisfactory, and more importantly, not only that, but in terms of disease protection, Jin You Life is also very average! 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 general, although Jinyou Life has a high brand awareness, it is not cost-effective. I still recommend that you separate your protection and financial management in order to buy the most suitable product for you.

Hope, thank you!

According to the 100,000 insurance amount of 15 years to pay off the annual payment of 2950 at the end of the end of the sale.

The ** of Pacific Jinyou's life is related to age, gender, additional benefits, and the number of copies purchased, but it is difficult to estimate the age**.

Jin You's life is described as not only being able to protect against illness but also making money, and the security map is presented first

The form of Jinyou Life's eggplant stool product is "single compensation for critical illness + 3 compensation for mild illness", which has been complained about, is there really so many shortcomings of this product? See this article for details:

Judging from the content of the analysis, it is not difficult to find that the complaint is well-founded, and it still has many shortcomings, such as some of the shortcomings mentioned below:

1. The proportion of compensation for mild illness is low

Although the product covers 50 kinds of mild illnesses and pays 3 times, only 20% of the compensation can be given for mild illnesses. Compared to most payouts on the market, 30% is a very low percentage.

2. Lack of protection for moderate illness

Lack of moderate illness protection, many critical illness insurance on the market 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 can alleviate the cost pressure in the early stage of critical illness.

3. The dividend protection is slightly poor

There are two types of dividends in Jinyou Life: annual dividends and terminal dividends.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. Dividends will not be received directly by the insured, but will be accumulated in the policy, so that the sum assured for critical illness will gradually increase.

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

Judging from the above figure, it is not difficult to find that if Air Consumption buys 500,000 insurance for a 30-year-old man, it is guaranteed for life, and the premium is paid in 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: On the whole, this Jinyou life can not meet the protection needs of consumers, and it is relatively expensive, the market competitiveness is very poor, there is such a budget, there are many products that are more good, and those who need it can be collected and slowly referenced:

Brother Bao said insurance, focusing on insurance product evaluation! Critical illness insurance is the most frequently asked question, click on the original article to view the comprehensive comparison table of critical illness insurance: the top ten insurance companies "worth buying" popular critical illness insurance inventory!

This insurance is not very suitable for children to buy, and the specific reasons will be analyzed below.

Since the sale of Jinyou Life, many people have discussed, first on the security map:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and there are obviously many people complaining, is this product good? I did a detailed analysis:

This analysis is very clear, and the content that has been complained about is not all wrong, and it still has a lot of shortcomings, such as the following shortcomings:

1. The proportion of compensation for mild illness is low

Although the product covers 50 kinds of light model diseases and pays 3 times, only 20% of the compensation ratio. This is less than the 30% payout level on the market.

2. Lack of protection for moderate illness

This product does not have moderate illness protection, 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, if there is moderate illness protection, it can also alleviate the pressure of the early cost of critical illness**.

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 the dividends directly, but accumulate them on the policy and can increase the sum insured 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 can be paid.

4. Premiums are expensive

After reading **, you will know very clearly that if you buy 500,000 insurance for a 30-year-old man, guarantee it for life, and pay it in 20 years, you need to pay a premium of 19,650 yuan per year, almost 20,000! It can be said that it is very expensive.

Summary: From the perspective of the overall guarantee, the cost performance of Jinyou life is not high, the protection is not comprehensive, and it is relatively expensive, there is no market competitiveness, there is such a budget, there are many better products, and you can refer to the ones who will not choose:

Brother Bao said insurance, specializing in the evaluation of insurance products! There are a lot of people who ask about critical illness insurance, and you can click on the original article to get the popular critical illness insurance inventory that I stayed up late to sort out: the top ten insurance companies are "worth buying"!

Jin You's life is described as not only protecting against illness but also making money, let's take a look at its coverage first:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and it will be complained about every time, is Jinyou life really bad? If you are interested, you can look at the article:

After reading the above analysis, it is clear that the complaint is well-founded, and it still has many shortcomings, such as these shortcomings have to be mentioned:

1. The proportion of compensation for mild illness is low

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

2. Lack of protection for moderate illness

Without the protection of moderate illness, many critical illness insurance products now already include 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. The insured will not be able to receive the dividends directly, but will accumulate them on the policy, which will increase the sum insured 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 can be paid.

4. Premiums are expensive

Judging from the above figure, it is not difficult to find that a 30-year-old man who buys 500,000 insurance will pay for 20 years, with lifelong protection, and he will have to pay 19,650 yuan a year, and the premium is relatively high! It can be said that it is very expensive.

Summary: From the overall security analysis, the cost performance of this product is slightly lower, but it is expensive but does not have a very comprehensive guarantee, if the budget is sufficient, there are better options under the same conditions, and you can refer to the one that will not be chosen:

Brother Bao said insurance, focusing on insurance product evaluation! What kind of insurance is best for my child? > top 10 insurance companies are selling children's critical illness insurance.

It is recommended to buy 16-year-old Jinyou life is not a mountain to do.

The safety of children needs the attention of parents, but not only this, but also the protection of children's health cannot be ignored. There are a lot of children's insurance plans for 16-year-olds, and many people may not know how to buy them.

Let's start by looking at the buying strategy:

1.Critical illness insurance: In fact, the pressure of children at this age to study is still quite large, and there are many diseases that are caused by excessive pressure, and it will be better to have critical illness insurance protection at this time.

A critical illness insurance can play a role in relieving the financial pressure of the family, which can be said to protect both children and adults. In addition, if the child wants to buy critical illness insurance, it is not expensive, the time of protection is relatively long, and the cost performance is quite high. If you don't know which one to buy, I found some critical illness insurance suitable for children before, which is not bad, and > the top ten insurance companies "worth buying" popular critical illness insurance inventory!

2.Accident insurance: At this age, children are energetic and have a high chance of accidents during school, school, and participating in various activities.

From this, accident insurance cannot be ignored. I have searched many accident insurance policies on the market that are suitable for children of this age, what are the good accident insurance recommendations for >? Top 20 best-selling accident insurance in 2020!

3.Medical insurance: There is another type that is more suitable for 16-year-olds, and that is medical insurance. People are not steel, it is normal to get sick, and the cost of seeing a doctor can be reimbursed through medical insurance, and the family's medical expenses can be reduced. Rise only hunger.

In addition to the insurance variety, everyone also wants to know how much money is needed. If you compare it with the premiums of adults, it is still not expensive to buy insurance for children, more than 100 can buy a consumer accident insurance or medical insurance, and a good critical illness insurance can be bought for only 1000 yuan, which will not bring too much financial burden to the family.