Is Pacific Gold Bless Life Guaranteed for Life? 5

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

Pacific Golden Blessing Life is guaranteed for life, and this product has death protection.

Jinyou Life is known as "protection + making money", directly look at its protection content:

The product form of Jinyou Life is "single compensation for critical illness + 3 compensation for mild illness", obviously many people complain, is this product actually good? 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? 》

Judging from the content of the analysis, it is not difficult to find that the content that has been complained about is not all wrong, 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 kinds of mild illnesses and pays 3 times, only 20% of the compensation can be given for mild illnesses. It is far from the ordinary level on the market.

2. Lack of protection for moderate illness

There is still no protection for moderate illness, 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, and moderate illness protection is an important means to alleviate the pressure of the early stage 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. 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. But when it comes to claiming bonuses, only one of these three can be claimed.

4. Premiums are expensive

After reading **, you will know very clearly that a 30-year-old man who buys 500,000 insurance will pay it for 20 years and be guaranteed for life, and the annual premium is 19,650 yuan, close to 20,000 a year! It can be said that it is very expensive.

Summary: From the perspective of overall protection, Jinyou Life is a cost-effective insurance, **expensive, but the protection is not comprehensive, if the budget is sufficient, there are better choices under the same conditions, you can refer to it:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

Thanks for reading, hope!

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

You'll understand when you read it.

Next, I will analyze the advantages and disadvantages of Jin You's life:

Advantages: 1) The annual sum insured will increase with dividends, which can slightly curb inflation;

1) The insurance company Pacific is famous, and its service outlets can be found in many cities and towns, with many employees and convenient services.

Cons: Honestly, there are quite a few disadvantages.

Strictly speaking, the dividends are uncertain, the premiums are not cheap, and more importantly, in terms of disease protection, Jinyou Life is still not worth recommending! Yes, it's more detailed, there are too many words, and I've written 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? 》。

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.

Hope, thank you!

Hello! The policy of Jinyou Life should not mention that there is no critical illness after the age of 80, so this is guaranteed for life, you can rest assured.

The premium paid will be refunded for the death of a minor before the age of 18, because the Insurance Regulatory Commission stipulates that the maximum amount of death insurance for minors cannot exceed 100,000, so the money paid is returned.

If the person dies, then the amount of insurance purchased by the claim + dividends, the dividends are uncertain, so you can't get exactly how much.

Hope it helps!