Pacific Jinyou Life, I am 46 years old, is it cost effective to buy Jinyou Life

Xueba talks about insurance, focusing on insurance product evaluation! I have evaluated all the 136 critical illness insurances that have been hot in the market in the past two years, and the overall is still good: the latest comparison table of 136 popular critical illness insurances

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

You'll understand when you read it.

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

In terms of advantages: 1) The annual sum insured will increase with dividends, which can slightly curb inflation;

2) As the underwriting company of Jinyou Life, Pacific has a very hard foundation, with many offline people and outlets, and the services in terms of insurance and claims are good.

Cons: Honestly, there are quite a few disadvantages.

The dividends of Jinyou Life are uncertain, and the premiums are really not cheap, 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? 》。

To sum up, the cost performance of participating critical illness insurance like Jinyou Life is indeed not high, so I suggest that when configuring insurance, financial management and protection should be separated, and special use can be used to the fullest!

Hope, thank you!

I am 44 years old and female. Is it right to buy Pacific Gold Bless Life? The main thing is to take care of my critical illness, and is there anything more suitable for me than this. Thanks to the experts.

Brother Bao said insurance, focusing on insurance product evaluation! Many people ask about critical illness insurance, check out this comparison table and you will know the top ten insurance companies "worth buying" the popular critical illness insurance inventory!

The 2014 version of Pacific Jinyou Life has been discontinued, and it is not interesting to say more, so it is better to directly see how the upgraded Jinyou Life is.

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", and it has been constantly complained about since its launch, what is the actual situation? I'm here to share the analysis with you:

According to the above analysis, we can know that it is not a random complaint, it still has a lot of shortcomings, and the following is listed:

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

Although the product covers 50 minor illnesses and pays 3 claims, only 20% of the basic sum insured is paid for minor illnesses. Many excellent and even ordinary critical illness insurance companies on the market have started with a payout ratio of 30%.

2. Lack of protection for moderate illness.

It is still impossible to provide 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 types of dividends: annual dividends and terminal 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 on the policy, which can increase the sum insured for a major critical illness.

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.

The conclusion we can draw from ** is that if you buy a policy with an insurance amount of 500,000 for 20 years, the male is 30 years old, and the protection is lifelong, and the premium will be very high a year, close to 20,000! It can be said that it is very expensive.

Summary: After the analysis, you can know that the protection of this Jinyou life is not comprehensive enough, ** and very expensive, not cost-effective, poor market competitiveness, with such a budget, you can choose a better product, it is recommended to read the list before choosing:

Pacific Insurance registered capital of 100 million yuan, the company has more than 2,800 branches in the country, ranking third in the domestic insurance institutions, Jinyou Life is a participating comprehensive insurance product launched by Pacific Insurance Company, its main content includes mild illness, death, critical illness and other insurance protection, so Pacific Jinyou life is useful, worth investing.

Precautions for Purchasing Insurance:

1. It is not easy to buy insurance, and the policyholder must carefully understand the situation of the insurance company and what the risk affordability is before purchasing.

2. To purchase insurance, you should properly choose the appropriate insurance according to your personal situation.

3. The policyholder should read the terms and conditions when purchasing insurance and reach an agreement with the insurance company.

4. The insurance with death as the payment condition needs to be unified by the insured, and the insurance contract must be signed by the policyholder.

5. Ask for the insurance policy, check the content information, check this.

6. When filling out the insurance policy, you need to truthfully inform all known information.

7. The policyholder also needs to pay attention to the effectiveness of the contract. <>