China Life Ruixin Dividend Collector s Edition, which is better, or Pacific Jinyou Life A? 20

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.

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.

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

The performance of Jinyou Life in terms of dividends and premiums cannot satisfy consumers, and more importantly, in terms of disease protection, the performance of Jinyou Life is really unreasonable! Yes, it's more detailed, there are too many words, and I've written the reasons in this article, 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!

It mainly depends on which aspect you need, which pork and mutton are delicious? It is mixed, it still depends on your taste, buy insurance and buy safety. Free a variety of product design, look forward to your call, I wish you a safe life.

Ruixin Dividend Collector's Edition has health protection and dividends, as well as a universal account.

Ruixin Collector's Edition gives you different benefits and guarantees!

Summary. China Life Xinxiang Golden Annuity Insurance Section A 1Issue Age:

28 days old to 65 years old. 2.Payment Period:

3 years, 5 years. 3.Insurance Liability:

Special Survival Insurance: The payment period is 3 years.

China Life Xinxiang Golden Annuity Insurance Section A 1Issue age: 28 days old to 65 years old.

2.Payment period: 3 years, 5 years.

3.Insurance Liability: Special Survival Benefit:

The payment period is 3 years.

1. Detailed introduction of paragraph A of China Life Xinxiang Jinsheng Annuity Insurance: 1. Insurance age: 0 to 65 years old; 2. Guarantee period:

15 years old; 3. Payment deadline: 3 5 years; 4. Special survival fund: If the insurance policy has been effective for 5 years and 6 years, you can pay 50% of the insurance premium according to the clear annual insurance amount and receive special survival fund; 5. Annuity:

From the 7th year of the insurance policy to the end of the insurance policy, you can pay 24% of the annual premium according to the specified basic sum insured and receive the annuity; 6. Expiration of insurance money: In the case of the expiration of the insurance policy, the payment of insurance money can be completed according to the basic insurance amount and the contract can be terminated; 7. Death insurance benefit: If the insured dies within the insurance period, the contract can be terminated and the death insurance benefit will be paid according to the insurance premium.

Which person, I recommend buying life prosperity enjoyment.

Why can't I find the interest rate?

The main difference between China Life Xinxiang Jinsheng A and B is that the insurance conditions are different, and there are also certain differences in the amount of money received by the special survival fund and annuity of the two products.

However, whether it is a paragraph A or a paragraph, it is an annuity insurance, which focuses more on financial management and is more suitable for people with stable financial needs.

Top 10 financial insurance rankings.

Want to buy high-yield financial insurance? Don't miss out on these 10 again!

Let's take a look at the protection chart of Xinxiang Jinsheng Annuity Insurance, and briefly analyze the difference between paragraph A and paragraph B. <>

1. Issue age.

The insurance age supported by paragraph A of Xinxiang Jinsheng annuity insurance is 28 days to 65 years old, while paragraph B is 28 days old to 60 years old, and the range of people supported by paragraph A is wider.

For example, some elderly people in their sixties who have just retired, if they have the need for stable financial management, they also have the opportunity to insure Xinxiang Jinsheng Annuity Insurance A.

2. Payment period.

In terms of the payment period, Xinxiang Jinsheng Annuity Insurance A supports 3 years and 5 years of payment, while B only supports 10 years of payment.

From the point of view of the payment period alone, Xinxiang Jinsheng Annuity Insurance A is more suitable for people with sufficient budgets and large income fluctuations, and short-term payment can well avoid the occurrence of old losses caused by insufficient funds in the later stage.

The payment period of Xinxiang Jinsheng Annuity Insurance B is more suitable for people with stable income, because long-term payment can well alleviate the payment pressure.

3. Special survival pension and annuity.

Among these two types of protection, the main difference between Xinxiang Jinsheng Annuity Insurance A and B is the different amount of (money) returned. Among them, the special survival fund and annuity amount of Xinxiang Jinsheng Annuity Insurance A are related to the choice of payment period, while B is fixed.

Therefore, how to choose is better, in fact, it mainly depends on everyone's needs, and there is no unified regulation.

In addition, when we buy annuity insurance, in addition to looking at our own needs, we should also try to learn the following skills to avoid being cheated when applying for insurance:

Learn this trick and stay away from the 99% pit of annuity insurance

Finally, the insurance applicable to different age groups is different, and blind purchase may be a waste of money, see here for the specific insurance plan:

How to buy insurance for different age groups? Everyone should have their own plan

That's all there is to it, hope.

China Life Ruixin Insurance (Participating) (2013 Edition).

This is a comprehensive insurance that integrates accidents, health, pension, education and financial management.

The advantage is that the premium is lower than if you take these features apart.

The disadvantage is that the insurance contract will be terminated once a claim is made.

New product introduction: China Life Ruixin (Gold Account) Portfolio Plan consists of four product portfolios: China Life Ruixin Dual Insurance (Dividend) (2013 Edition), China Life Additional Ruixin Early Payment Critical Illness Insurance (2013 Edition), China Life Additional Ruixin Long-term Accident Insurance (2013 Edition) and China Life Gold Account Annuity Insurance (Universal Type).

Guarantee benefits: First, it can be quickly earned, and it will be returned every year. After three years of validity, 3% of the sum insured will be paid every year, and after the age of 60, more humane double pension care will be paid 6% per year.

Second, the scope of critical illness is wide and the accident protection is high. Pay attention to the 40 types of critical illness coverage that are very comprehensive in the current market, providing 3 times critical illness protection, 6 times accident protection, 9 times vehicle protection, and 12 times aviation accident protection.

The third is to celebrate his birthday in August and add happiness in his old age. When the insured is 85 years old, the company pays 3 times the sum insured in a lump sum, which is the icing on the cake for a happy life in his later years.

Fourth, steadily increase dividends to resist high inflation. Share the operating income of the world's top 500 enterprises' participating insurance, ensure the safety of funds, maintain and increase the value, and effectively resist inflation.

Fifth, double accounts and value-added, lifelong benefits. The company has specially increased the wealth management account, and after the return is transferred to the gold account, you can enjoy the benefits of minimum guaranteed benefits, monthly compound interest and interest, flexible withdrawal, and greatly increased benefits, and at the same time, the premium of the universal account will be waived.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Chinese Shou Xin Xiang Jin Sheng contains two basic clauses: paragraph A and paragraph B.

1. China Life Xinxiang Jinsheng Annuity Insurance Section A.

1.Issue age: 28 days old to 65 years old.

2.Payment period: 3 years, 5 years.

3.Insurance Liability:

Special Survival Benefit:

If the premium payment period is 3 years, Chinese Life Club will pay 50% of the annual premium in the 5th and 6th years respectively. If the payment period is 5 years, the Chinese Life Association will pay 100% of the annual premium in the 5th and 6th years respectively.

Survival Insurance:

If the payment period is 3 years, the Chinese Life Association will pay 24% of the annual premium from the 7th to the 14th year. If the payment period is 5 years, the Chinese Life Association will pay 32% of the annual premium from the 7th to the 14th year.

Maturity Survival Benefit:

If the insured survives at the end of the insurance period, Chinese Life will pay 100% of the basic sum insured.

Death Insurance Ride Benefit:

In the event of the death of the insured, China Life will pay the death benefit according to the premiums paid.

2. China Life Xinxiang Jinsheng Annuity Insurance Section B.

1.Issue age: 28 days old to 60 years old.

2.Payment period: 10 years.

3.Insurance Liability:

Special Survival Benefit:

The Chinese Life Association will pay 100% of the annual premium in the 5th and 6th years respectively.

Survival Insurance:

From the 7th to the 14th year, the Chinese Life Association will pay 65% of the annual premium.

Maturity Survival Benefit: Quarrel and Branches.

If the insured survives at the end of the insurance period, Chinese Life will pay 100% of the basic sum insured.

Death Benefit:

In the event of the death of the insured, Chinese Life will pay the death benefit according to the premium paid.