Tell me about the liability of Jinyou life insurance, and what are the disadvantages of Jinyou life

Pacific Insurance Company's "Jinyou Life" also has a name called "Five Meritorious Cover City", specifically the five functions of disease protection, life protection, pension protection, value-added insurance, and insurance exemption. 60 types of critical illness coverage are the widest in the market, 12 types of minor illness coverage are the most in the market, and the five functions are the most comprehensive in the market. Choosing Jinyou Life is your wisest choice!

Xueba talks about insurance, focusing on insurance product evaluation! Read this comparison table of the latest 136 popular critical illness insurances

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

You can take a look.

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.

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

The dividend income of Jinyou Life is average, and the premium is also unsatisfactory, and more importantly, not only that, but in terms of disease protection, Jinyou Life is also very average! There's too much content, I'm afraid you won't understand, this is a condensed version of the content, I wrote 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!

The disadvantage is that the coverage of the two products is limited, and the cost is not very low. These include:

1. Critical illness insurance has a wide range of coverage and relatively high premiums. Because Jinyou Life Insurance not only provides lifelong value protection, but also provides critical illness and specific disease protection, although the protection is very comprehensive, but the high premium is not something that ordinary digging families can afford.

2. Slow growth of dividends. Although the dividends of Jinyou Life Insurance are increased with the increase of the main insurance, the dividend growth rate of Jinyou Life Insurance is slow, and it is not as good as the bank deposit interest rate in the same period, so Jinyou Life Insurance is not very cost-effective.

The general principles of family insurance should be understood first: 1. Adults first, then children;

2. Protection first, financial management later; 3. The order of insurance is generally as follows: accident, life insurance, critical illness, medical treatment, education or pension; 4. The annual premium expenditure is 10-20% of the annual income; 5. It is not necessary to buy it all at once, the accident insurance can be bought by the whole family, and the rest depends on the economic conditions to buy for the family pillar first, and then gradually improve.

Hello! It's a pleasure to be able to serve you.

I recommend purchasing the Golden Life Protection Plan.

Features of Golden Life Protection Plan; 1.It provides comprehensive protection for health, accidents, mild illnesses and annuity conversion at any time in the later stage. 2.

In the event of a critical illness, the sum insured can be paid in about 10 days with the diagnosis report. 3.The sum insured increases simultaneously with the dividend level of the main insurance, helping customers resist the risk of insufficient coverage in the future caused by inflation and rising medical costs, and achieve triple dynamic planning of the three major life risks of worth, serious illness and mild illness.

4.When you are in urgent need of working capital, you can use the policy loan function or policy reduction function to relieve the financial pressure and help your life and career. One policy to protect your life and connect your business.

5.Health includes 42 critical illnesses + 10 minor illnesses, with a wide coverage.

Covered 42 Critical Illnesses.

Malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting (or coronary artery bypass grafting), end-stage renal disease (or chronic renal failure uremia phase), multiple limb loss, acute or subacute severe hepatitis, benign brain tumor, decompensated chronic liver failure, sequelae of encephalitis, or sequelae of meningitis.

Deep coma, deafness in both ears, blindness in both eyes, paralysis, heart valve surgery, severe Alzheimer's disease, severe brain injury, severe Parkinson's disease, severe burns, severe primary pulmonary hypertension, severe motor neuron disease, loss of language ability, severe aplastic anemia, aortic surgery, renal medullary cystic disease, primary cardiomyopathy, persistent vegetative state, generalized myasthenia gravis, necrotizing fasciitis, end-stage lung disease, human immunodeficiency virus (HIV) infection by blood transfusion, Muscular dystrophy, severe multiple sclerosis, severe Crohn disease, severe asthma, severe myocarditis, severe ulcerative colitis, primary sclerosing cholangitis, acute necrotizing pancreatitis, atrioventricular block, Wilson's disease.

Ten specific illnesses covered by the policy.

Non-life-threatening malignant lesions, atypical acute myocardial infarction, minor stroke, coronary interventional surgery, heart valve interventional surgery, severe visual impairment, intra-aortic surgery, pituitary tumor, brain cyst, cerebral aneurysm and cerebral hemangioma, specific burns, severe head trauma.

Wish. Life is fulfilling. Hope.

There are no advantages. I'll be clear to you.

I don't know much about this, you can ask.