Eugene's life claimed to be "both safe and profitable", which caused some discussion. I have compiled the secure content map:
The product form of Jinyou's life is "single compensation for serious illness+three compensation for mild illness", which has been spit out since its appearance. So Jinyou's life is really bad? If you want to know, just read this article: "It's not good to say" Eugene Life "online? Is it true?/You don't say. /You don't say. 》
As can be seen from the above analysis, there are reasons for being spit out, and it still has many shortcomings, such as the following shortcomings:
1, and the proportion of minor illness compensation is low.
Although this product covers 50 kinds of mild diseases and pays for them in three times, the amount of compensation for mild diseases is only 20% of the basic insurance amount. It is lower than the level of ordinary critical illness insurance in the market by 30%.
2. Lack of protection for diseases in China.
Most excellent critical illness insurance has the protection of critical illness, and compared with critical illness, critical illness and mild illness are often the precursors of critical illness, and the fee reduction and exemption for pre-treatment of critical illness is often guaranteed by critical illness.
3. Dividend protection is slightly poor.
Next, I will talk about two kinds of dividends in Jinyou's life: annual dividend and final dividend.
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, which makes the critical illness insurance amount increase gradually.
Termination bonus: paid at the termination of the contract, divided into caring bonus and special bonus. But you can't have all three bonuses, you can only lose three and one.
4, the premium is expensive
Looking at the pictures, we can find that if you buy 500 thousand insurance for a 30-year-old man for life and pay it in 20 years, the annual premium is close to 20 thousand, which is very high! It can be said that it is very expensive.
Summary: Overall guarantee, Jinyou's life is not only not comprehensive enough, but also relatively expensive and cost-effective. There is no need to buy such products, there are many better ones. You can refer to: the cost performance is much higher than Jinyou Life's top ten critical illness insurance.
Thanks for reading, hope to adopt!