Jin You s life and Ping An insurance are good

Jinyou Life is a product, and Ping An Insurance is a company, so the comparison doesn't seem to make a lot of sense. Since I asked, I chose Jin You's life to analyze.

Jinyou Life is known as a critical illness insurance that integrates protection and money, and the coverage content map is presented:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", which is complained about every time, is this product actually good? 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? 》

This analysis clearly shows that the content that has been complained about is not all wrong, and 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 kinds of mild illnesses and pays 3 times, only 20% of the compensation can be given for mild illnesses. It is lower than the ordinary 30% level of critical illness insurance in the market.

2. Lack of protection for moderate illness

Moderate illness protection is missing, and now many critical illness insurance can provide moderate illness protection, and compared with critical illness, moderate and mild illness are often the precursors of critical illness.

3. The dividend protection is slightly poor

The dividends of Jinyou Life are: annual dividend and final bonus.

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 sum assured for critical illness will increase accordingly.

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

**Told us 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: From the overall security analysis, the protection content of this Jinyou life is not good enough, it is relatively expensive, and the cost performance is very low, there is no need to buy such a product, there are many better ones, you can refer to this list:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

That's an embarrassing question! Ping An Fu and Jinyou are notoriously expensive, cost-effective, with high premiums and low sum insured. According to the 30-year-old man who pays for 20 years, the insurance amount is 1 million, Jinyou life is 38100, and Ping An Fu is 35145, if it is calculated according to the cost-effective products on the market, there are 100 kinds of critical illnesses, the premium is only 23130, and there are 50 kinds of mild diseases, and 20% of each time is paid for 5 times, and the insured amount is not reduced.

Therefore, the above two products really can't be said to be good.

At that time, my customer took three products for me to compare, one is the Pacific Jinyou Life, the other is the Daruixin of Life, and the other is the Ping An Fu of Ping An.

Da Ruixin is a bit expensive, Jin You Life is a serious illness, but there is no accident, a little incomplete, his advantage is that there are dividends, use dividends to buy the amount of insurance, the amount of insurance will increase. What can be converted into a pension in the future, in fact, is to return the insurance and take out the money in it, but take it in a few years, but I don't understand why not take it out at once.

Ping An Fu is an insurance policy for accidental medical treatment, hospitalization, serious illness, mild illness, accidental disability, and accidental death. So it's more complete. And with the same premium as other protection products, the sum insured will be higher.

Ping An's hospitalization waiting period or observation period is 30 days, serious illness is 90 days, Pacific or Life Minor Illness Hospitalization Waiting Period or observation period is 90 days, and Critical Illness is 180 days. The waiting period or observation period for hospitalization for minor illnesses in Xinhua is 60 days, and the observation period for major illnesses is 360 days.

What does it mean, if I buy a 300,000 amount of critical illness insurance, and the physical examination is found to be a critical illness after 100 days, if I buy a safe one, I can pay 300,000 yuan in advance for the disease. If I buy a Pacific or Life (observation period of 180 days), I will not pay. If it is Xinhua (360 days), it will not be compensated.

You may say that this is just a day, and I don't want to buy it and pay it right away. But what I would say is that this shows the attitude of various companies towards claims.

Why do people hesitate to buy insurance, because they are afraid that insurance is easy to buy and difficult to compensate. Insurance is different from other financial products because it can make claims.

Therefore, insurance is not to deceive people, but because everyone does not understand him, if you feel that you can buy insurance at this time, and because a bystander says that insurance is deceptive, you don't buy it. I want to ask, if there is a risk, will someone else resist the risk for you, will he lend you money for you to treat the disease, maybe he will want to stay away from you, because he is afraid, he is afraid that you will not be able to pay it back.

When you are out of insurance, it is a colleague who lends you 100, a friend who lends you 1000, a relative who lends you 10000, and an insurance that lends you 100000.

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

Ping An Fu is Ping An China's first new pure protection insurance with a market-oriented rate, with a rate of 4%, which is one percentage point higher than that stipulated by the China Insurance Regulatory Commission and lower than the premium of other products.

Ping An Fu additional long-term accident insurance covers up to the age of 70 and covers 281 items in 10 levels, including double coverage for public transportation and driving and private cars.

After Ping An Fu, there are 8 types of mild and critical illnesses, which do not account for the insured amount of critical illness insurance, truly realizing all-round protection and care.

In addition, this is also Ping An's first product named after Ping An, which shows Ping An's confidence in this product.

Jinyou Life is a participating insurance, and the insured amount can grow slowly, similar to Ping An's talisman blessing.

Taking the comparison between Talisman Fu and Ping An Fu as an example, with the same sum insured, Ping An Fu has a lower premium. However, after the expiration of the payment period, the insured amount of the talisman is basically the same as the sum insured of Ping An Fu, and the insured amount of the talisman will exceed that of Ping An Fu in the future.

If it is the same premium, Ping An Fu buys a higher amount of insurance.

Therefore, the focus of the two products is different. To put it simply, if you are older and focus on critical illness insurance protection, you can consider Ping An Fu, after all, the age is here, Ping An Fu has a low premium, and it can immediately play a high level of protection.

If you are a young person, you can consider the Talisman Blessing Golden Life, with the extension of time, the sum insured can grow slowly, accompanied by a lifetime of care and protection.

One has no dividends but has a high sum insured, and the other has a dividend, but the sum insured is not as high as the other, depending on how you feel.

Two of the worst products in history, it is recommended to find an insurance broker and shop around for insurance products.

It depends on what problem you want to solve.

To use the simplest analogy.

TVs and washing machines are all called household appliances, right?

But do you want to watch TV when you buy a washing machine?

There is no best insurance, only the best one for you.

Did the salesman give you a plan?

You can send me a private message for detailed information, and I will help you make a risk plan.

"It's true that the Internet says that Jin You's life is not good? 》, after reading it you will understand.

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

Let's take a look at the advantages first: 1) due to the existence of dividends, the sum insured can slightly resist 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.

Disadvantages: Honestly, there are a lot of disadvantages.

To sum up, dividend-paying critical illness insurance has never been favored by me, even if the Jinyou life brand is loud, the cost performance is still worrying, it is recommended to buy insurance or to separate protection and financial management, in order to make the best use of each.

Advantages: 1. The brand is loud.

2. Pacific Jinyou Life Series has been a flagship product since its listing, focusing on disease protection, dividend increase, and conversion annuity pension. The Golden Blessing Life (2017 Edition) will be upgraded and listed in May, and the disease protection will be expanded to 88 critical illnesses + 20 mild illnesses to further improve the protection.

3. Protection: 88 kinds of critical illnesses and 20 kinds of mild diseases.

4. Old-age care: see a doctor and manage the sick, and provide for the elderly without illness.

5. Life-saving: Completely disabled, the value is with you.

6. Guaranteed increase: the insured amount is divided, which will increase for life.

7. Guarantee: husband and wife are mutually insured, and both parties are exempted.

Disadvantages: 1. Pacific Jinyou Life 2017 Main Insurance is a participating insurance. The cost performance of dividend-paying insurance is definitely lower, or it is recommended that you buy those pure protection insurance, and insurance dividends are unstable, but more or less, how much can be divided, this fact is uncertain.

Golden Life 2017 Insurance Plan is actually two types of insurance, one for dividends and one for critical illness. Because of the addition of a participating insurance, the premium is too high to play a role in transferring risk.

2. Slow growth of dividends.

Although the insured amount of Jinyou Life Insurance increases with the dividends of the main insurance, the dividend growth rate of Jinyou Life Insurance is slow, and it is not as good as the expected annualized interest rate of bank deposits in the same period, so Jinyou Life Insurance is not very cost-effective.

Jinyou Life Insurance Product Features:

1. Healthy value plus pension, tailor-made four effects.

This product is in conjunction with additional Jinyou Critical Illness (i.e"Additional Critical Illness Insurance for Advance Payment") to form a more comprehensive protection plan. It not only provides lifelong value protection, but also protects you and your family's happy life from the wind and rain and resists risks; It also provides critical illness and specific illness benefits; You can also use the annuity conversion function to receive an annuity every year according to the needs of pension planning. Passed"One risk and four uses"，"All in one place"It meets the comprehensive security needs of customers for mild illness, critical illness, value and pension.

2. Increase the amount of dividends and long-term insurance, and the guarantee will increase three times a year.

With the distribution of the main insurance increase dividend, the effective insurance amount increases year by year and there is no underwriting physical examination, which helps to avoid the future"Shrinkage of protection (relative to inflation, medical expenses**, etc.)."risk. The Specified Illness Benefit, Critical Illness Benefit and Worth Benefit of this plan grow dynamically with the increase of the effective sum assured.

3. Specific diseases show care, and health care is advanced.

The supplementary Critical Illness of the Plan not only provides protection for up to 42 types of critical illnesses, but also provides care and care for 10 specific diseases in advance.

4. Add a helper to capital turnover, and ensure a guarantee for life and career.

During the validity period of the contract, if you are in urgent need of working capital, you can use the policy loan function or policy reduction function of this product to relieve the financial pressure and help your life and career. One policy to protect your life and connect your business. [1]