Is the new Golden Life of the Pacific suitable for me I don t even know it myself

The main functions of the "Golden Life" product can be summarized as: "double increment, one insurance and three uses".

"Double increase" refers to the breakthrough of "Golden Life" to achieve a double increase in the sum insured of life insurance and the sum insured of critical illness with the dividend level of the main insurance, that is, not only the death insurance benefit that bears the death benefit increases with the dividend, but also the critical illness insurance benefit that bears the critical illness protection can also increase with the dividend of the main insurance. The increased amount of insurance is reflected in the form of increased dividends, which helps customers resist the risk of insufficient life insurance amount and critical illness insurance amount caused by cargo expansion, so as to achieve no worries about both value and serious illness, and realize the dual dynamic planning of life risks. Moreover, for the double increase of the sum insured and the critical illness sum insured, customers do not need to increase premiums, do not need follow-up physical examinations, and the increase in part of the sum insured will not affect the customer's subsequent insurance for other products, which truly eliminates customers' worries and allows customers to obtain one-step, one-time protection and peace of mind.

"One insurance and three uses" refers to the three major protection functions of "Golden Life", including the death benefit and critical illness protection corresponding to the intuitive double incremental sum insured, and the third major protection function - old-age security. Because "Golden Life" is specially designed with a humanized policy reduction function, customers can choose to flexibly reduce the insurance at any time, and cash out the incremental sum insured into cash value, which can be used directly or into an annuity as a supplement to future pension living expenses. The flexible insurance reduction function of "Golden Life" is equivalent to creating a pension account for customers that shares the insured amount with the main insurance and increases the insured amount, realizing "one insurance with three uses".

We can use an example to feel how "Golden Life" makes the protection "keep pace with the times" and realizes "one insurance and three uses". Mr. Zhang has taken out a life insurance product without the incremental sum assured function, while Mr. Wang has purchased "Golden Life". A few years later, due to the price of goods, Mr. Zhang found that his insurance amount was far from enough

Due to the increase in interest rates, the cost of mortgage repayment has risen, and your death benefit can no longer cover the mortgage cost, creating new risks for families; In addition, due to the rising cost of medical care, the sum insured for critical illness in the past is far from meeting the needs of today's medical expenses. If you are safe and sound, when you reach old age, there is not much cash value left for the sum insured for that year. Mr. Zhang tried to increase the insurance, but due to his age, the payment standard has been greatly improved, and Mr. Zhang can no longer get a higher insurance amount than he did a few years ago, and may even be required to have a physical examination, health premium, or even refuse insurance due to the decline in his health condition. From the moment the policy takes effect, Mr. Wang's protection will naturally increase with the policy dividends, helping to offset the adverse effects of inflation, and these increased benefits do not require Mr. Wang to pay an extra penny or rewrite.

If Mr. Wang has no accidents or serious illnesses for most of his life, he will receive a pension fund that will continue to grow when he is old. Applying for "Golden Life" is equivalent to allowing Mr. Wang to lock in a lifetime of "peace of mind" after paying the first premium.

"Golden Life" is composed of "Golden Life Whole Life Insurance (Participating Type)" and "Additional Golden Life Early Payment Critical Illness Insurance", which is an innovative product developed by the company based on the British sum assured and dividend technology guided by customer needs. "Golden Life" integrates increased value protection, increased critical illness protection, and can take into account a certain amount of old-age protection, from 30 days of birth to 65 years old, and can be afforded, it can be described as a cost-effective, everyone's basic policy. There are 35 types of serious illnesses, and the coverage is also comprehensive and extensive.

If you are in good health, the purpose of the insurance is to give yourself a lifelong health protection with sustainable payment ability. As long as it is a plan tailored to your specific situation, it is for you!

Hello: Universal insurance can meet your needs. Universal insurance is a relatively flexible type of insurance, which has both protection and financial management functions, and at the same time has many advantages such as flexible payment, adjustable sum insured, convenient receipt of policy account value, and transparent and open assets.

Universal insurance is a minimum annual premium of 4,000 yuan, covering 150,000 yuan, critical illness 100,000 yuan, accident 100,000 yuan, and accidental medical treatment 10,000 yuan. Universal insurance is your ideal choice, the specific plan needs our further communication, so that the plan is more suitable for you, if you need more information, please feel free to contact me.

Hello, first of all, thank you for your support and attention to our company! CPIC's Golden Life I believe you should also have a certain understanding, it is first of all a healthy type of insurance, is a critical illness and value of both growth, and can participate in compound interest and interest, disease treatment, disease-free pension with dividends of a product, this product as long as the birth of 30 days - 65 years old healthy body can choose to buy, to meet your health and pension needs. Welcome to consult and understand, I hope it can help you!!

Wishing you happiness. Reference: The sum insured is double-incremented, and the protection keeps pace with the times-".

Hello, it's a pleasure to serve you. I'm Zhang Yujiao from Huainan. Our company's "Golden Life" covers 35 types of critical illnesses, which are protected when you are young and can be converted into a pension when you retire.

Accident, critical illness, pension 3 into 1If you are sick, you will be protected from illness, and you will be able to retire if you are not sick. The sum insured and the critical illness sum insured both increase, and the older you get, the more valuable you are.

It can be purchased by healthy people between the ages of 30 and 65.

Almost all of the products you are talking about are similar products, and among similar products, Xinhua's auspicious Ruyi and additional critical illness are also similar to the golden life you said, but the more advantageous thing is that the critical illness protection is paid independently, and the independent protection does not affect the dividends and protection of the main insurance. When choosing insurance, remember to read the contract guarantee clearly before choosing, invest clearly, and enjoy the benefits with peace of mind.

Friend; Hello! What problems do you want to solve with insurance? What do we worry about most in life?

What happens that we and our families cannot afford to do alone? Is there the only way to insure these questions? When you have a clue, it's easier to choose.

Reference: Consumption-based Critical Illness Insurance PK Return-based Critical Illness Insurance What is insurance?

Hello, the need is the most suitable. This product is suitable for all ages from 0 to 65 years old. Moreover, critical illness protection is the most basic protection, and it is best to choose the lifetime protection type for critical illness protection. This product allows you to "enjoy life".

Hello, what is your basic situation? Jinxiang can be said to be suitable for all ages, because it is a traditional dividend-based insurance, and it is a whole life insurance. Whether it is suitable or not depends on your current financial income and age.

If you can add the following questions, it will be easier for you to help you: 1 Age, gender, 2, annual income, 3 Existing coverage, 4 What kind of protection do you want to get when you buy insurance?

When buying insurance, you must first know what you need. Mainly to solve medical problems or future pension problems, there is no comparison between any product.

Golden Life is an insurance that integrates accidents, critical illnesses, pensions and dividends, and the payment is low, the sum insured increases, and the older you are, the more dignified you are.

Hello! What problem do you want to solve in planning this insurance, do you want to solve the pension aspect? The specific can be discussed in detail on QQ.

The main insurance is a whole life insurance with dividends, and the supplementary insurance is critical illness insurance. The whole life insurance policy of Golden Life is 30 days to 65 years old, with death benefit or total disability benefit, as well as annual dividend and terminal dividend. Does it have any advantages over popular life insurance on the market?

>>> Comparison table between Jinxiang Life and popular life insurance in China

1.Death benefit or total disability benefit:If the death or total disability is caused by a cause other than an accidental injury within 180 days, the premium paid will be paid.

If the death or total disability is caused by a cause other than an accidental injury after 180 days, under the age of 18, 110% of the premiums paid will be paid to the death benefit or total disability benefit; If you are 18 years old or older, 100% of the sum insured will be paid.

2.Dividend Distribution:It is divided into annual dividend and final dividend.

Annual dividendsThe distribution method is an increase dividend, which means that the dividend will not be paid to the insured in cash, but the dividend will be superimposed on the original sum insured for accumulation. Eventual bonusIt is paid at the end of this contract in relation to love money and special bonuses.

Pros:

1.Policy Pledge Loan:If the insured person needs cash flow, he can apply for a loan with the insurance company, but the loan amount cannot exceed 80% of the cash value of the insurance policy after deducting the balance of various debts, and the term of each loan cannot exceed 6 months.

2.Coverage can be reduced:If you feel that the amount of insurance you bought before is a bit too much, or the annual premium burden is a bit heavy, you can apply for a policy reduction, as long as the effective insurance amount of the contract after the policy reduction is not less than 10000000 yuan.

Cons:

1.Uncertainty of dividends:The annual dividend and final dividend of the insurance contract are uncertain, and the insurance company will make a shortcoming dividend distribution plan according to the business operation of the dividend insurance, in fact, in most cases, there is no dividend.

In general, Jinxiang Life Whole Life Insurance has no advantages, and the premium is not cheap, which is not suitable for ordinary people to buy. As an ordinary person, it is better to buy term life insurance honestly, and there are these excellent term life insurance on the market: >> top ten life insurance companies worth buying!

Xueba talks about insurance, focusing on insurance evaluation! The comparison table between the 35 participating insurance products and the mainstream 1010 critical illness insurance products in 2020 is here35 participating insurances PK 101 mainstream critical illness insuranceDividend insurance is the type of insurance that people like to push, so where is the dividend insurance? Should we take out participating insurance? Let's take a closer look:

Participating insurance, literally: Participating insurance is a type of insurance with dividends, that is, when the insurance company makes money, it distributes part of it to customers who have purchased participating insurance. Killing two birds with one stone, one insurance policy takes into account both protection and financial management functions.

For a long time, dividend insurance with its "protection + income" characteristics by consumers love, for troublesome customers, buy an insurance accident compensation, nothing can also return dividends, why not? However, people are often confused by the demo rate when buying, and in fact, almost no one can get the expected return.

That's because customers don't know these two characteristics of Fu Dividend Insurance:

Clause.

1. The dividends of participating insurance products are unknown to the experience of insurance companies.

Second, the dividend pool is not transparent.

It is precisely because of the existence of these two characteristics that it is difficult to earn dividends, and therefore the dividends have become a high-incidence area for complaintsParticipating insurance is actually the most complained about type of insurance?

In the final analysis, dividend insurance is not suitable for beginners, and people who do not have certain insurance knowledge should not blindly insure!

In the case of economic slack, social security should be paid first, and then commercial insurance should be considered, you can choose to buy term life insurance, which is about 10 times the annual (after-tax) income of the insured amount, or buy reduced life insurance first to resist the risks of young and middle-aged people. It's more cost-effective to buy them separately. Insurance belongs to insurance, and financial management belongs to financial management, so that the purpose is clear and it is not easy to step on the pit.

Medical insurance and critical illness insurance can also have an accident insurance. Money is not enough to buy the basics first to buy consumption-based, regular, these categories.

It depends on how much money you have left every month, if it is a monthly salary of about 4000, it is not recommended to buy dividends, because the low amount of insurance is not much, and the personal recommendation is to buy some pure protection type of insurance, which is more appropriate. In the future, if you are more financially affluent, you can consider a part of the dividend insurance, but in fact, it will be better to do financial management without insurance. It is prudent to separate insurance and financial management.

The products have their own characteristics, and they are not good or bad, the key is to suit themselves. Picking a product without figuring out what you need can be cumbersome and difficult to pick the right one. Buying insurance is the same as buying other things, first clarify what you need, and then find the right product according to your needs, and the probability of buying the wrong one is much smaller.

A professional ** person is very important. **People can help you analyze, how much to buy, what insurance to buy, how much is the reasonable premium, etc., to buy insurance should be different from person to person, tailor-made, and within your means. Specific products need to understand your situation in order to give you the right advice.

Occupation, age, gender, existing insurance, etc.

It is recommended that you buy 10 copies of 10 years to pay, with an annual premium of 6,050 yuan, and a total cost of 60,500 yuan for 10 years, so that you will have a value of 100,000 yuan in the first year of insurance and the amount of various critical illness insurance stipulated in the contract, which will increase with age. Please refer to the chart below for the sum insured for specific age groups