How about buying Jinrui Life Critical Illness Insurance for your parents and wife at home?

Hello, Jinrui Life is an insurance that covers 35 kinds of critical diseases, the sum insured dividends, and the protection increases year by year. Accidental death and dismemberment with premium waiver function. Can be converted to a pension at a later date.

Buying insurance that meets your needs is the right one. Here is a recommendation for you, there are currently as many as 15 insurance company products, you can compare products and choose the right insurance for you. In addition, because of the different types of insurance you choose for different ages and occupations, you can also call 4006788618 and we will recommend the right insurance for you.

PICC Health "Health Insurance Card" (including critical illness).

1. Only 480 yuan can enjoy the triple protection of health, accident and accidental medical treatment.

2. You can enjoy 365 days of professional health consulting services with purchase.

3. Critical illness insurance of 100,000 yuan.

If one or more of the 31 major illnesses listed occur, a one-time payment of 100,000 yuan will be given after confirmation.

4. Comprehensive protection for accidental injuries and medical treatment.

$200,000 in accidental death, disability and burn benefit and $10,000 in accidental medical benefit;

5. At present, it is the only self-activated short-term critical illness product on the market with high cost performance.

Yes, general insurance. If you have completed the protection insurance, have some spare money, and hope to obtain long-term and stable income, then you can consider buying an annuity insurance.

China can sell trillions of insurance every year, many of which are annuity insurance, the reason why it can sell so much is because annuity insurance does have some good places: high security: insurance involves the national economy and people's livelihood, and is the financial product with the highest security.

If you hold it for a long time, the annuity insurance will not lose money.

Lock-in interest rate: Although the yield of annuity insurance is only 3-4%, it can be maintained for hundreds of years, and these are all promises written into the contract.

Wealth inheritance function: Through the reasonable design of insurance policies, annuity insurance can also achieve the function of asset isolation and wealth inheritance under specific circumstances.

For example, 30-year-old Mr. A bought a Jinrui Life 620, with an annual payment of 100,000 yuan for 3 years, and the basic insurance amount was 67254.

The whole process is divided into 3 steps:

Steps: In the first 3 years, Mr. A needs to invest 100,000 yuan into the annuity account every year.

Steps: In the 5th to 6th years, the annuity account will return 60% of the annual premium every year, that is, 100,000 60% = 60,000;

In the 7th to 14th years, the annuity account will return 30% of the basic sum insured every year, that is, 67254 30% = 20,000;

In the 15th year, the annuity account will return 100% of the basic sum assured of the maturity insurance in a lump sum, that is, 67254

If the money returned from the annuity account is not withdrawn, it will automatically enter the universal account for secondary appreciation according to the actual settlement interest rate.

The universal account of Jinrui Life 20 is a universal type of Jucai Bao 20 whole life insurance, with a guaranteed interest rate, and the actual calculated interest rate is uncertain. The current settlement rate is 5%, but this figure is only for reference because the actual settlement rate is variable.

Steps: If Mr. A needs to use money, he can withdraw money from the universal account, and a handling fee will be charged for the first 5 years, and the handling fee for the first 5 years is %.

If you usually have spare money, you can also invest in the universal account and enjoy the value-added, but you also have to pay a 2% handling fee when investing. In addition, it is necessary to consult the insurance company specifically as to whether there is a limit on the amount of additional investment.

The annuity account of Jinrui Life 20 is 15 years, and the universal account is lifelong, as long as we do not receive the annuity, our money will eventually go into the universal account.

Customer information: 48-year-old male, 10 copies, 10 years of payment, annual premium (9,230 yuan) The insurance amount is 100,000 yuan, and the sum insured is divided.

1. Clever planning of lifelong protection to resist risks and protect the whole family.

Reasonable planning of value protection, effectively avoid life risks, provide reliable protection for the happy and healthy life of yourself and your family, and resist unexpected risks.

2. The sum insured dividends enjoy compound interest, and the guaranteed appreciation will grow.

The level of protection will increase with the distribution of annual dividends, compound interest on the sum assured will increase and there will be no underwriting and physical examination, so as to truly achieve the dynamic planning of life risk protection. In addition to the annual dividend, there is also a special terminal dividend for more protection. Premiums don't increase, protection increases.

3. Critical illness protection is free of worries, and lifelong care shows care.

It can be added with Fortune Life Critical Illness Insurance to form a more comprehensive protection plan. Provides coverage for up to 35 critical illnesses. In the unfortunate event of a major illness, we will pay after diagnosis to ensure timely treatment, reduce family economic and mental pressure, and help customers stay away from serious illnesses for life.

4. Annuity conversion is more reliable.

According to the policyholder's personal retirement plan, you can choose to convert the total amount corresponding to the reduction or surrender of the insurance into an annual pension (according to the conversion annuity insurance contract provided by the company at that time) at any time after the policyholder's personal retirement plan, and the payment period can be optional, which can effectively supplement the pension account and provide a strong economic guarantee for the customer's colorful retirement life. In addition to the policyholder, the beneficiary can also convert the insurance money into an annuity.

5. Financial integration is really convenient, and true love and care accompany you for a lifetime.

During the validity period of the contract, if there is an urgent need for working capital, the policy pledge loan or insurance reduction function can be used to alleviate the financial pressure and help the policyholder's life and career; It can also alleviate the liquidity pressure faced by the policyholder through the function of reducing the amount of payment and automatic premium payment, and reflect the true love and care everywhere.

Female 54 years old There are no ten years to pay, only a lump sum payment

A medical examination is required, and it is difficult to pass if you have three highs, unless there is an additional guarantee, which means that if the illness is caused by the three highs, it is not covered.

1 Annual Dividend.

The annual dividend is distributed in the form of incremental dividends. During the validity period of the contract, the company will increase the insured amount of the contract according to the determined dividend distribution plan on the corresponding date of the effective date of the contract each year. The increased amount also participates in the dividend distribution of subsequent years, and the increase in the amount of insurance due to the annual dividend distribution is called the dividend insurance amount.

If the insured dies or becomes totally disabled within 180 days from the date of the last reinstatement due to causes other than accidental injury, and there is no exclusion of liability, the annual dividend will be paid according to the cash value corresponding to the sum insured of the accumulated dividend.

2. Terminal bonus.

If the insured dies or becomes totally disabled one year after the effective date of the contract, and there is no exemption from liability, the company will calculate according to the actual operating conditions of the participating insurance business, and if it is determined that the distribution of the insurance fund is related to the termination of the contract, the company will pay it in the form of care money.

3 Special Bonuses.

One year after the contract comes into effect, if the contract is terminated due to reasons other than the above, the Company will calculate according to the actual operating conditions of the participating insurance business, and if it is determined that there is a special dividend distribution at the time of contract termination, the Company will pay it in the form of a special dividend. In the event of a policy reduction, a special dividend corresponding to the reduced amount of the insured amount under the contract will be paid.

Suggestion: Buy (Hongxin Life).

If you are 54 years old, you will generally be required to have a medical examination, and it is difficult to pass if you have three highs, unless you write a guarantee, that is, if the disease is caused by the three highs, it is not covered.

Founded in 1991, CPIC is the big brother of the insurance industry and has been selected as one of the world's top 500 companies for eight consecutive years with its strong strength. How to evaluate Pacific Insurance Company, mainly look at three questions:

1.Are Pacific Insurance's products good and worth starting?

The best-selling products of Pacific Insurance include Jinfu Life, Jinyou Life, Jinnuo Life, Children's Super Treasure Fuyou Ankang, etc., and I have sorted out the evaluation and analysis of these products in this article:"Seven Products Worth Buying for Pacific Insurance".。Friends who are keen on this company in the Pacific can take a look.

2.What is the level of Taiping Insurance's service in the same industry?

In order to give everyone a standard, the China Banking and Insurance Regulatory Commission (CBIRC) rates the service according to indicators such as claims service, how many complaints, and business processing speed, with the highest level being AAA and the lowest being D.

The service ratings of Pacific Insurance are as follows:

Pacific Life is rated AA, and no company has achieved AAA rating for the time being. However, the rating changes from year to year, and the situation is different from year to year.

3.Is Pacific Insurance reliable?

I will care about the unreliable fans of the insurance company, and I am worried about the claims after buying the insurance. This is easy to do, the higher the ranking company, the more reliable it must be in the same industry. I stayed up late analyzing various companies and put together a following:

What are the top 10 insurance companies.

That's all for me"Let's take a closer look at the life of Pacific Insurance Jinrui There is also a critical illness rider Female 54 years old"

Hello friends! I think you should think about it from a couple of aspects! The first is that as the age of the parents increases, the health will become worse and worse, so the probability of serious illness will increase, so first see if there is serious illness medical treatment.

The second is to look at the value! Birth, old age, sickness and death are the natural laws of human beings. The third is pension, does it look at the flexibility of receiving?

Then it is to look at the company's return to customers, which is dividends! You said that "Jinrui Life" was named the best insurance award in Asia 2011, he summed up all the above problems, and the strength of the company is strong, and the return to customers is the most! You must be cautious when choosing insurance!

Jinrui Life Premium Table.

10 basic insurance amounts of 100,000 yuan in RMB.

Issue age Male Female Female.

5 years, 10 years, 15 years, 20 years, 5 years, 10 years, 15 years, 20 years.

Both of these insurances are participating insurance. First of all, I want to say, don't believe any that any salesman tells you about how much dividends there are. Oh my God, we're buying protection, aren't we?

With our least money, in exchange for the maximum protection from the insurance company. It is best to have a certain return on the supremacy of security. When you choose, look at the regular plan, I believe that the Ping An salesman will definitely let you sign the plan, the one with the barcode.

In addition, it is recommended that you consult the Ping An salesman for universal insurance, which I think is good.