Will the amount of insurance in Jinyou Life increase, and how much can the insurance reduction in Ji

Xueba talks about insurance, focusing on insurance product evaluation! The question of critical illness insurance is asked by many people, and this comparison table gives you the answer:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

The sum insured of Jinyou Life will increase, and the dividends that can be obtained every year cannot be directly received by the insured, but are accumulated in the policy, and the critical illness sum insured will increase accordingly.

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

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", and it can be criticized everywhere, is there really so many shortcomings of this product? If you are interested, you can look at the article:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

From the above analysis, we can see that there is a reason for being complained about, 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 3 times, the compensation ratio for mild illnesses is only 20%. 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 illnesses, 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 in the early stage.

3. The dividend protection is slightly poor

Let's talk about the 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. These dividends are not paid directly to the insured, but are accumulated in the policy and 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, these three bonuses can only be paid out in one of them.

4. Premiums are expensive

**Told us, a lifelong policy, a 30-year-old man, 500,000 years of insurance for 20 years, need to pay an annual premium of 19,650 yuan, close to 20,000 yuan a year premium! It can be said that it is very expensive.

Summary: From the overall security analysis, Jinyou Life is cost-effective, the market competitiveness is relatively poor, the most expensive and incomplete, there is no need to buy such a product, there are many better, you can refer to this list:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

Summary. Hello, dear. The reduction of the insurance of Jinyou Life can be reduced by up to 20%, because they will pay for the more.

Hello, dear. The reduction of the insurance of Jinyou Life can be reduced by up to 20%, because they will pay for the more.

After 15 years of life, you can receive a cash value of the policy by surrendering the policy or taking out a policy loan, such as:1If the policy is surrendered, you can receive the full cash value of the policy, but the protection will be invalid, taking the 2018 version of Jinyou Life as an example, if you pay 15 years for life, the first year premium is 9960, and the additional Jinyou Jingjian Life pays the critical illness insurance 18 version A in advance for 15 years for life, and the first year premium is 4080, then the cash value of the policy that can be refunded is 142118 after 15 years of surrender; 2.

If it is a policy loan, for example, Jinyou Life 2018 version A has the function of policy loan, which can loan 80% of the cash value of the policy, but it needs to be repaid within six months; 3.If it is a reduction in insurance, it is Liang Yanxiao who can reduce the part of the basic sum insured in the effective sum insured and the part of the accumulated dividend sum insured in the same proportion, and the insurance company can return the cash value corresponding to the effective sum insured to the policyholder, but the effective sum insured of the insurance contract after the reduction shall not be lower than the limit agreed in the insurance contract, such as the 2018 version of the 2018 version of paragraph A of Jinyou Life is not allowed to be low to 10,000. After the policy reduction, the premium paid during the insurance contract period will also be reduced according to the reduction ratio.

Jin You's life in 2014, 20 years, has been handed over for 6 years.

How is the specific reduction calculated?

Reduction is when the insured decreases the insured amount year by year according to the insurance contract.

It depends on the value of the policy.

Summary. Legal basis: Jinyou Life Whole Life Insurance cannot be reduced.

The Social Insurance Law of the People's Republic of China was passed by the 17th Session of the Standing Committee of the Eleventh National People's Congress of the People's Republic of China on October 28, 2010, and is hereby promulgated to take effect on July 1, 2011. (Amended in accordance with the Decision of the Standing Committee of the National People's Congress on Amending the Social Insurance Law of the People's Republic of China adopted by the Seventh Session of the Standing Committee of the 13th National People's Congress on December 29, 2018) Table of Contents: Chapter 1, General Provisions, Chapter 2, Basic Pension Insurance, Chapter 3, Basic Medical Insurance, Chapter 4, Basic Medical Insurance, Chapter 4, Work-related Injury Insurance, Chapter 6, Unemployment Insurance, Chapter 7, Maternity Insurance, Chapter 8, Social Insurance**, Chapter 9, Social Insurance Administration, Chapter 10, Social Insurance Supervision, Chapter 11 Legal Responsibility Chapter 12 Supplementary Thank you for your trust in me, the above is mine, thank you

Golden Life Whole Life Insurance cannot be reduced.

According to national regulations: Jinyou Life Whole Life Insurance cannot be reduced. Insurance Classification:

1. [Property insurance: enterprise property insurance, engineering insurance, automobile insurance, liability insurance, ship insurance, freight insurance, home property insurance, credit insurance, guarantee insurance, agricultural insurance]; 2. [Life insurance: accident insurance, medical insurance, critical illness insurance, life insurance, children's education insurance, pension insurance, annuity insurance, group insurance]; 3. [The types of car insurance can be divided into compulsory insurance and commercial insurance according to their nature].

Legal basis: Jinyou Life Whole Life Insurance cannot be reduced. The Social Insurance Law of the People's Republic of China was passed by the 17th Session of the Standing Committee of the Eleventh National People's Congress of the People's Republic of China on October 28, 2010, and is hereby promulgated to take effect on July 1, 2011.

(Amended in accordance with the Decision of the Standing Committee of the National People's Congress on Amending the Social Insurance Law of the People's Republic of China adopted by the Seventh Session of the Standing Committee of the 13th National People's Congress on December 29, 2018) Table of Contents: Chapter 1, General Provisions, Chapter 2, Basic Pension Insurance, Chapter 3, Basic Medical Insurance, Chapter 4, Basic Medical Insurance, Chapter 4, Work-related Injury Insurance, Chapter 6, Unemployment Insurance, Chapter 7, Maternity Insurance, Chapter 8, Social Insurance**, Chapter 9, Social Insurance Administration, Chapter 10, Social Insurance Supervision, Chapter 11 Legal Responsibility Chapter 12 Supplementary Thank you for your trust in me, the above is mine, thank you

Summary. Dear, hello, Jin Yousheng can not receive it casually when he reaches the age of 70, because Jin Yousheng is a lifelong product, which is insured by a combination of whole life insurance and critical illness insurance, and there is no function of returning at maturity. If you reach the age of 70, you need to receive only the cash value of the surrender of the policy, the cash value will not necessarily exceed the premium paid, and there may be a certain loss; Another way to receive is a policy loan, which lends 70%-80% of the cash value to work around the capital, which can be borrowed once every six months, or converted annuity for retirement.

Dear, hello, Jin Yousheng can not receive it casually when he reaches the age of 70, because Jin Yousheng is the first product to protect life, which is insured by a combination of whole life insurance and critical illness insurance, and there is no function of returning at maturity. If you reach the age of 70 and need to receive the cash value of the policy, the cash value may not necessarily exceed the premium paid, and there may be a certain loss; Another way to receive is a policy loan, which lends 70%-80% of the cash value to work around the capital, which can be borrowed once every six months, or converted annuity for retirement.

In addition, the specific protection content of this Jinyou Life is: 1. Critical illness protection: 100 kinds of critical illness protection, 1 diagnosis, compensation sum insured and cumulative dividend sum insured; 2. Mild illness warning protection:

50 types of minor illnesses can be paid up to 3 times, each time 20% of the basic sum assured; 3. Waiver of the insured Sun Yanren: If the insured is diagnosed with a mild illness, the premium will be waived; 4. Waiver for the policyholder: If the policyholder unfortunately dies or is totally disabled, or is diagnosed with a serious illness or mild illness for the first time, the follow-up premium will be waived, and the protection will be effective; 5. Death benefit:

The premium will be refunded upon the death of Jing Kaiming within the age of 18 or during the waiting period, and the death benefit and accumulated dividend sum assured will be refunded if the death benefit is more than the age of 18.

Xueba talks about insurance, focusing on insurance product evaluation! Too many people ask about critical illness insurance, and interested friends can check out this comparison table:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

The amount of insurance in Jinyou Life is only 10,000 life insurance, 10,000 critical illness insurance, and the amount of purchase generally depends on individual circumstances.

Jinyou Life is known as a critical illness insurance that integrates protection and makes money, and directly looks at its protection content:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", which has been complained about, how does Jinyou Life compare with the popular critical illness insurance on the market? I did a detailed analysis:"It's said on the Internet that Jin You's life is not good?

Is it true? 》

According to the above analysis, we can know that the content that has been complained about is not all wrong, and it still has many shortcomings, such as the following shortcomings:

1. The proportion of compensation for mild illness is low

Although the product covers 50 types of minor illnesses and pays 3 times, the compensation for minor illnesses can only pay 20% of the basic sum insured. You have to be able to reach 30% to be considered normal.

2. Lack of protection for moderate illness

Moderate illness protection is missing, 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 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. The insured person cannot receive dividends directly, but accumulate them in the policy to increase the sum insured for critical illness.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. But in reality, only one of the bonuses can be chosen.

4. Premiums are expensive

I can know from ** that a 30-year-old man who buys 500,000 insurance will pay for 20 years, and the guarantee will be lifelong, and he will pay 19,650 yuan a year, which is almost 20,000 a year! It can be said that it is very expensive.

Summary: Based on these contents, Jinyou life is the most expensive, the protection is not comprehensive enough, the cost performance is very low, the market competitiveness is poor, and the budget is sufficient, you can choose a better one, you can refer to it:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Kim Woo Life is a critical illness insurance withdrawn from Pacific Life Insurance, which is divided into two parts: the main insurance "Kim Woo Life Insurance (Participating)" and "Additional Kim Woo Life Early Payment Critical Illness Insurance". The sum insured is 10,000 yuan per share, and the dividend is an increase in dividends, which is directly increased to the sum insured, and cannot be claimed halfway, and the effective sum assured of the policy is the basic sum assured of 10,000 yuan per share plus dividends. The main insurance covers the death and total disability of the insured, and the compensation will be paid directly according to the effective sum insured, and the main insurance and additional insurance will be terminated at the same time.

If the insured is diagnosed with one or more of the 42 major illnesses for the first time, the compensation will be paid according to the effective sum insured, and the main insurance and additional insurance will be terminated at the same time. If 10 specific diseases are diagnosed first, 20% of the effective sum insured at the time of diagnosis will be paid, and the contract will continue to be valid, and the remaining 80% will be paid when the insured dies, is totally disabled, or is diagnosed with 42 serious diseases, and the contract is terminated. In addition, the contract has the function of converting annuity, according to the current provisions of the conversion annuity contract, as long as the insured is under the age of 75, you can apply for conversion, the insurance company will calculate the cash value of the policy at that time, and the dividends will also be converted into cash value, and the insured can choose to convert in full or partially, of course, if the full conversion, then the policy of Jinyou Life will be terminated. Personally, I think that this insurance is still good as a serious illness insurance, but if you want to count on him to make money and hope to get back how much income he can get back after 10 years or 20 years, it is recommended that you consider buying other insurance that focuses on investment income, such as long-term Hongfa Nian, or short-term dividend profit A.