Insurance helps life and outsmarts life.

Brother Bao said that insurance focuses on the evaluation of insurance products! Critical illness insurance is the most frequently asked question. This comparison table gives you the answer: the top ten insurance companies "worth buying" hot critical illness insurance inventory!

Let's analyze Eugene's life and Zhisheng's life respectively:

First of all, outsmart life.

Zhisheng Life Insurance is a safe product and a universal insurance. Although this insurance has been discontinued, there is still a high degree of discussion on the Internet. Let me give you a brief analysis of this product.

The product forms of Zhisheng Life Insurance are universal life insurance+additional critical illness insurance, one-year accidental medical treatment, accidental injury insurance and lifelong hospitalization. The guarantee looks quite neat. Whether it is really so comprehensive, you will know after reading it.

What are its main risks first? Almighty whole life insurance. The main feature is to provide you with a universal account from which you can collect certain interest. The specific interest is uncertain, but the guaranteed amount is 1.75%. What concept? The current interest rate of Yu 'ebao is around 2.0%.

Moreover, not all the premiums you pay can increase with compound interest. Only after deducting the upfront expenses and guarantee costs can compound interest increase.

How much to deduct? This explanation is a bit long. If you want to know, you can read my original text:

This critical illness insurance covers all 25 critical illnesses stipulated by the CBRC, but it is not cost-effective and only pays once, and minor illnesses are not guaranteed. The focus is still on the early payment of critical illness insurance. After paying the insured amount for serious illness, the corresponding amount shall be deducted from the total insured amount. Assume that the total insurance coverage in whole life insurance is 200,000, the critical illness insurance coverage is 6,543.8+million, and the life insurance coverage is only 6,543.8+million.

Besides, it's amazing. A traffic accident in accident insurance is an accident in which you are only designated to take public transport. If something happens to Didi, I'm sorry, it's not covered, and I won't pay for it. If you don't believe me, look: (see the picture below)

Having said that, you also know that the insurance of this product is very weak. For those who have already bought it, I suggest you buy more critical illness insurance and millions of medical insurance as supplements, because this universal insurance is not omnipotent. These critical illness insurance products are cost-effective. If necessary, you can have a look: What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020

Second, the life of Jinyou

Jinyou Life is hyped up, saying that it is both capital preservation and profit, and it is directly capital preservation. Content map:

Jinyou Life's product form is "single compensation for serious illness+three compensation for minor illness", which will happen every time. How does Jinyou Life Insurance compare with the popular critical illness insurance in the market? See this article for details: Take stock of the critical illness insurance that the top ten insurance companies are "worth buying"!

Judging from the content of the analysis, it is not difficult to find that there are reasons for being spit out, and it still has many shortcomings, such as the following:

1, and the proportion of minor illness compensation is low.

Although this product guarantees 50 kinds of mild diseases and pays 3 times, it only pays 20%. It is lower than the average level of 30% compensation for most people in the market.

2. Lack of protection for diseases in China.

Without the protection of China's disease, many serious illness insurances in the market have the protection of China's disease, and compared with serious illness, China's disease and mild illness are often the precursors of serious illness. Without the protection of diseases in traditional Chinese medicine, the cost of early treatment of serious diseases is under great pressure.

3. Dividend protection is slightly poor.

Bonuses in Jinyou's life can be divided into two types: annual bonus and final bonus.

Year-end bonus: As the name implies, it refers to the bonus you can get every year. The insured will not receive the bonus directly, but accumulate it on the policy, and the amount of critical illness insurance will increase accordingly.

Termination bonus: paid at the termination of the contract, divided into caring bonus and special bonus. However, only one of these three dividends can be paid.

4, the premium is expensive

From the above picture, we can know that if a 30-year-old man buys 500,000 life insurance, he needs to pay a premium of 19650 yuan every year, which is almost 20,000 yuan. It can be said that it is very expensive.

Summary: Generally speaking, Jinyou Life Insurance is an insurance with low cost performance, which is expensive, but the protection is not comprehensive. If the budget is sufficient and there are better choices under the same conditions, you can refer to this list: