I am a 44 year old woman, and someone recommended buying Jinyou Life, I don t know what it is

After the age of 40, he was sick and looked for someone. Focus on aggravating accident benefit. The maximum amount is five years of annual income! Of course, you really need to allocate insurance assets, depending on your own affordability, if you feel that you are satisfied, you can buy it.

As a critical illness insurance, Jinyou Life is quite attractive because it has set up a highlight that can pay dividends, but I think it is not cost-effective, and the specific reason I have written about it before:

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

I suggest you take a look.

Then I will talk about the advantages and disadvantages of Kim You's life:

Let's take a look at the advantages first: 1) The sum insured will increase according to the annual dividends, which has a bit of a role in resisting inflation;

1) As a veteran company, Pacific Insurance has a loud brand, many employees, and service efficiency has been in place.

Cons: 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! The word limit, I wrote down 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 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!

Summary. 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. And the normal level is 30%.

2. Lack of protection for moderate illness.

At present, many critical illness insurance products can include moderate illness protection, and compared with critical illness, moderate illness 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. 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 increase greatly.

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.

Buy at least a few copies of Jin You's life.

Hello, happy to answer this question for you. There is no regulation on how many copies must be bought, it all depends on personal needs, but Jinyou Life is not necessarily suitable for everyone to buy, it is recommended to look at the specific coverage content and advantages and disadvantages before deciding. Finally, I hope mine can help you.

1. The compensation ratio for mild illness is low, although the product covers 50 kinds of mild illnesses and pays 3 times, but the compensation for mild illnesses is only 20%. And the normal level is 30%. 2. Moderate illness protection is lacking and can not provide moderate illness protection, at present, many critical illness insurance products can include moderate illness protection, and compared with critical illness, moderate illness 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 dividends of Jinyou Life are divided into: annual dividends and final dividends. Annual Dividend:

As the name suggests, it refers to the dividends 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 increase greatly. Final Bonus:

It is paid at the end of the contract and is divided into a care payment and a special bonus. However, only one of these three bonuses can be paid.

Xueba talks about insurance, focusing on insurance product evaluation! There are many people who ask questions related to 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.

Jinyou Life is known as a critical illness insurance that integrates protection and makes money, let's take a look at its coverage content first:

After the analysis, we can find that the content that was complained about is not all wrong, it still has many shortcomings, such as these shortcomings have not been changed:

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. You have to be able to reach 30% to be considered normal.

2. Lack of protection for moderate illness.

Moderate illness protection is not provided in the product, and moderate illness protection has been included in many critical illness insurance protections, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness.

3. The dividend protection is slightly poor.

Next, let's talk about the two kinds of dividends of Jinyou's 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 will not receive the dividends directly, but will accumulate them in the policy to 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 can only be paid out in one of them.

4. Premiums are expensive

From the above**, we can know that if it is a policy of 500,000 insurance for 20 years, a man is 30 years old, and the policy is guaranteed for life, 19,650 yuan will be paid a year, and the premium is relatively high! It can be said that it is very expensive.

Summary: From the overall protection of Jinyou life, the protection content of this Jinyou life is not good enough, it is more expensive, and the cost performance is very low"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Why do you want to buy Kim Yo Life? What problem are you trying to solve? What is the budget for the premium?

Brother Bao said insurance, focusing on insurance product evaluation! Many people ask the question of critical illness insurance, and this comparison table gives you the answer: a list of the top ten insurance companies that are "worth buying" of popular critical illness insurance!

44-year-old is not suitable for buying Jinyou Life, the specific reasons see the following analysis.

Jinyou Life is known as a critical illness insurance that integrates protection and makes money, and without further ado, the protection map is presented:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and it has never been stopped being complained about, what is the actual situation? If you want to know, look directly at this article:

From the analysis, it can be seen that there is indeed a reason for being complained about, 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 can now provide moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness, and moderate illness protection has played a great role in alleviating the pressure and hunger of the previous empty period.

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, and the Critical Illness Sum Assured grows accordingly.

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

After looking at **, we can find that a 30-year-old man buys 500,000 sum insured, guaranteed for life, paid for 20 years, and has to pay a premium of 19,650 a year! It can be said that it is very expensive.

Summary: In general, Jinyou Life is a cost-effective insurance, **expensive, but the protection is not comprehensive, if the budget is sufficient, there are better options under the same conditions, you can refer to this list:

Brother Bao said insurance, focusing on insurance product evaluation! Critical illness insurance is the most frequently asked question, check out this comparison table and you will know the top ten insurance companies "worth buying" of the popular critical illness insurance inventory!

In addition to age, Jin You's life is also related to gender, how many years to pay, purchase share, and additional protection, and it is difficult to calculate the conditions for selling Zen dates only to know some conditions. However, the content of this product is complicated, so it is recommended to understand it before buying.

Jin You's life is hotly promoted, saying that it is guaranteed and can make money, first on the security map:

After the analysis, it can be found that the complaint is well-founded, and it still has many shortcomings, such as these shortcomings:

1. The proportion of compensation for mild illness is low.

Although the product covers 50 mild illnesses and pays out 3 times, the compensation ratio is only 20%. And the normal level is 30%.

2. Lack of protection for moderate illness.

There is no such thing as moderate illness protection, and the excellent critical illness insurance on the market has already added 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 kinds 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. The insured will not receive the dividends directly, but will accumulate them in the policy, which can increase the sum assured 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 **, I can know that a 30-year-old man's insurance policy is guaranteed for life, 500,000 insurance amount is paid in 20 years, and 19,650 yuan is paid in a year, which is almost 20,000 a year! It can be said that it is very expensive.

Summary: Based on the above situation, Jinyou Life not only guarantees that the demolition is not comprehensive enough, but also relatively expensive, not cost-effective, if the budget is sufficient, you can choose a better one, you can refer to this information, carefully compare and then buy:

Brother Bao said insurance, focusing on the evaluation of insurance products! Every time, many people ask about critical illness insurance, and the comparison of more than 100 critical illness insurance companies is in this comparison table: the top ten insurance companies are "worth buying" popular critical illness insurance inventory!

It is not very suitable to buy Pacific Jinyou Life at the age of 54, this is a participating critical illness insurance, and the reasons for the inappropriateness can be evaluated as follows.

Jin You's life is hotly promoted, saying that it is guaranteed and can make money, and a picture to understand its guarantee:

Jinyou Life's product shape is "single compensation for critical illness + 3 compensation for mild illness", this product has been sold since many people complained, is this product actually good? See this article for details:

This analysis tells us that being complained about is not completely unreasonable, 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 diseases and pays 3 times, only 20% of the minor diseases can be paid. It is far from the ordinary level on the market.

2. Lack of protection for moderate illness.

There is no protection for moderate illness, there are many similar products that provide 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 well alleviate the early cost of critical illness.

3. The dividend protection is slightly poor.

Let's talk about the two kinds of dividends of Jinyou's 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 dividends directly, but accumulate them in the policy, so that the sum insured for critical illness will gradually increase.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, these bonuses can only cover one of them at most.

4. Premiums are expensive

From the table above, we can see that a lifelong policy, a 30-year-old man, 500,000 insurance for 20 years, the annual premium is very high, close to 20,000! It can be said that it is very expensive.

Summary: After the analysis, you can know that the cost performance of Jinyou life is not high, the guarantee is not comprehensive, and it is relatively expensive, there is no market competitiveness, with such a budget, you can choose a better product, and you can refer to what you will not choose:

Words of a 42-year-old woman.

200,000. It is necessary to pay 9,940 yuan per year for 20 years

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

, you can take a look.

Let me list the advantages and disadvantages of Kim You's life:

Advantages: 1) The insured amount 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.

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.