Comparison between Jinyou's Life and Social Security

Brother Bao said that insurance focuses on the evaluation of insurance products! Many people ask about critical illness insurance. You can refer to this comparison table: Top Ten Insurance Companies' Hot Critical Illness Insurance Inventory!

Will Eugene's life conflict with social security? Here's an analysis: how to use social security and medical insurance? 1. Teach you how to apply for reimbursement!

We can know that social security must be bought, but is Jinyou's life worth buying?

Eugene's life has attracted a lot of attention because of "safety+financial management". I don't want to say anything more. The safety map is shown as follows:

Jinyou Life's product form is "single compensation for serious illness+three compensation for minor illness". Many people have complained about this product since it was sold. 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"!

After analysis, it can be found 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, the payment for mild diseases can only be 20% of the basic insurance amount. If you can reach 30% of the salary at the same level in the market, you will pass.

2. Lack of protection for diseases in China.

At present, it is not possible to provide the protection of middle diseases, but in recent years, many products in the insurance industry market have added the column of middle diseases protection, and compared with serious diseases, middle diseases and mild diseases are often the precursors of serious diseases. If the disease is guaranteed, it can also alleviate the cost pressure of early treatment of serious diseases.

3. Dividend protection is slightly poor.

Jinyou's life is divided into the following 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 can't receive the bonus directly, but accumulate it on the policy, and the amount of critical illness insurance will increase because of this.

Termination bonus: paid at the termination of the contract, divided into caring bonus and special bonus. However, you can't pay all three dividends, you can only choose one.

4, the premium is expensive

After reading the pictures, it is clear that if you buy 500 thousand insurance for a 30-year-old man for life and pay for 20 years, you need to pay the premium of 19650 yuan every year, almost 20 thousand yuan! It can be said that it is very expensive.

Summary: Generally speaking, Jinyou's life is not cost-effective, the protection is not comprehensive, and it is more expensive, and there are many good choices. There is no need to buy Jinyou's life. This list is for reference only: