I bought two copies of Jinyou life insurance from Pacific Insurance Company.

Last time, Teacher Snail asked everyone to leave a message to analyze whole life insurance. Unexpectedly, a treasure mom proposed Jinyou Life 20 17!

Snail Jun really looks silly, because this is not a standard life insurance at all! ! !

Have you seen life insurance that really protects you from serious illness? It's all routine. If everything is insured for you, the natural premium will go up. To tell the truth, the premium of similar products alone is very high. There is really no better one on the market, but it still sells well. Do you know why?

If you look at the name given to it by the Pacific Ocean, the "golden life" is actually the "golden charm life". The main selling point is that you can convert the premium into an annuity when you are old. Actually, it's all routines.

Compared with ordinary critical illness insurance, because the CIRC stipulates that the insured amount cannot be increased in the future, it has played the brand of whole life insurance. Then there is the increase in insurance coverage for serious illness.

Compared with life insurance, because life insurance is born, dies and dies, it adds a serious illness to pay in advance, and one serious illness is not guaranteed by normal life insurance.

Sounds like a good deal. In fact, the lottery players have already bought all the lottery tickets. Are you sure that winning the prize is right? The cost far exceeds the bonus. If you don't believe me, Snail Jun will "dismember" it for you to see:

A brief introduction to Eugene's life:

Jinyou Life Protection Plan = Jinyou Life whole life insurance (Dividend Insurance)

+Jinyou Life Insurance pays critical illness insurance in advance.

It can be found that the main insurance of Jinyou Life Insurance 20 17 is dividend-paying life insurance, plus an early payment type serious illness, which is actually a dividend-paying lifelong serious illness.

Second, grandiose propaganda: its propaganda slogan is very interesting.

Everyone knows that life insurance can protect you from death, but the advertisement here highlights the health protection of Jinyou with the word "live" in double quotation marks. In fact, it is just under the banner of life insurance and then showing off the critical illness insurance that life insurance does not have.

Third, the comparison of the previous generation products.

As one of the leading products of Pacific Insurance, it is inevitable to upgrade once a year. Since it is a product upgrade, there must be changes. Compared with Jinyou Life Insurance in 20 16 years, it has the following changes:

1. The number of serious diseases has increased by 28.

B, mild symptoms increased by 8 kinds.

C, the premium has dropped by 2000 yuan/year.

It may be because of the impact of internet insurance. Compared with the previous generation of products, it really has a lot of conscience, but it still can't change the fact that it is only suitable for local tyrants. Look at its comparison with the following products of the same type, and you will know.

So how do we compare so much data? We mainly look at three parts: intensive care, mild care and insurance premium.

In terms of disease protection, Jinyou does have the most kinds of serious diseases in his life, which is an advantage, but it is of little significance, because the range of serious diseases of the other two types of products also includes diseases that most people may get.

Moreover, it is very attractive to lose a lifetime from a serious illness. After all, the probability of suffering from a serious illness after a serious illness will be greatly increased than normal.

In terms of minor illness compensation, Huaxia Fu's 4 1 kind of minor illness compensation and three kinds of compensation are 25%, 30% and 35% of the insured amount, which are very competitive compared with the other two types of products.

In terms of premium, Jinyou Life's premium is more than 30% higher than the other two products, which is very expensive.

Fourth, the selling point is detailed

Converting annuity: This is one of the selling points. It seems very flexible. Giving customers the option to decide whether to convert an annuity is actually just a gimmick of the insurance company.

Because reaching the age of 60 or 70 is a period of high incidence of serious illness, and it is also the time when insurance is most needed, and one of the meanings of this insurance is the protection in old age, so if it is changed into an annuity, it is actually putting the cart before the horse to receive that premium.

Rate and insurance amount increase:

Because of the high-grade demonstration results, dividend insurance is unlikely to be realized in China, so here we analyze the low-grade and mid-grade demonstrations.

It can be seen that under the demonstration of low-grade dividend, the dividend is relatively low, and the growth of critical illness insurance coverage is also very slow, only 17 160 yuan. It is far better to buy two other products with the same money, and you can get higher coverage at the initial stage of insurance.

In the mid-range case, the total death compensation is only 82 1885 yuan, and the other two products can cover 800,000 yuan with only about 20,000 yuan. Although it is about 1 000 yuan higher, the early guarantee will be much higher than Jinyou Life Insurance 20 17, which can effectively avoid the lack of early guarantee.

Moreover, if the annual premium saved is invested, the income at the age of 70 will far exceed the low-end demonstration and pay dividends at a rate of 4% per year.

Minor illness exemption: The so-called exemption means that during the insurance period, the insured may not pay the subsequent premium after suffering from minor illness, and the contract is still valid. This is a very affordable function, but other products also have this function. Jinyou only loses a minor illness once in his life.

Verb (abbreviation of verb) product comparison: dividend insurance is not cost-effective and the premium is high.

Healthy Source No.2 (returning at the age of 99):

1, you can enjoy a fixed amount of 830,000 yuan1077,000 yuan, and you can enjoy high security from the beginning;

2. There were more severe cases in105, and 50 mild cases;

3. The protection of mild illness is higher: 830,000 * 30% = 249,000;

4, mild illness does not account for serious illness and death insurance.

Pacific Jinyou Life Insurance A (dividend type):

1, the dividend part exceeding the fixed insurance amount is uncertain, rarely reaching the middle level, and the insurance amount will be higher when it is accumulated for a long time, and the early insurance amount is far lower than the healthy source;

2.50 serious diseases are less than 12 mild diseases;

3. The quota for mild illness is 65,438+10,000;

4. Mild illness accounts for the insured amount of serious illness. After paying for minor illness, the proportion of serious illness and death insurance coverage decreased.

Abstract of intransitive verbs

Jinyou Life Insurance 20 17 has a premium much higher than that of similar products in the market under the same insurance amount.

The so-called growth rate of insurance coverage is very slow, which is far from the increase in insurance coverage compared with starting to spend more money on other products.

The number of minor illness payments is too small and the leverage ratio is not high. On the whole, Jinyou Life Insurance 20 17 is really not cost-effective. Jinyou Life Insurance only lures your life insurance with an annuity.

(Insurance professionals rely on snails to prevent pits. Jun Zhihu: Snails say insurance)

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.