Serious Illness Shelter Archive | Good things into pairs, 4 big pits, 1 small pit 1 big pit one, mandatory bundling of death pit two, return function premium serious big pit three, product price is on the high pit four, lack of 30 years of payment during the configuration of suggestions

Good Thing Into Two is a single-time compensation major illness combination product launched by Pacific Life, the main insurance is two full insurance, plus a lifetime critical illness insurance, the specific product forms are as follows:

This product liability is very simple, not too much to explain, the main problems of the product are as follows:

<h1 class="pgc-h-arrow-right" data-track="3" > big pit one, forced binding death</h1>

Critical illness insurance mainly solves the financial problems caused by illness, and the dominant idea is that low premium leverages high sum insured, including death liability, and the price is higher, which is not conducive to high sum insured.

Jingge has also used data to argue that serious illness insurance with death liability is not as cost-effective as the configuration of serious illness + life insurance without death liability.

Therefore, for most people, it is not recommended to configure critical illness insurance with death liability.

<h1 class="pgc-h-arrow-right" data-track="7" > big pit two, the premium of the return function is serious</h1>

The main insurance of this product is two full insurance, when applying for insurance, you can choose to be insured to 60, 65, 70, 75, 80, 85, 90 years old, providing the function of returning the principal at maturity, this function has a serious premium, making the product price high.

This return function seems tempting, but in fact, the income is not high, it is better to choose a product that does not contain a return to the capital, and the amount of serious illness protection is high.

<h1 class="pgc-h-arrow-right" data-track="10" > big pit three, product prices are high</h1>

This product is much more expensive than other products of the same type on the market.

<h1 class="pgc-h-arrow-right" data-track="12" > the big pit four, the lack of 30 years of payment period</h1>

When buying major illness insurance, the longer the payment period, the lighter the pressure of single payment, and the insurance premium can be waived if a disease occurs during the payment period.

In general, it is best to pay for 30 years, it should be noted that people over 35 years old can not choose to pay for 30 years.

The waiting period of 180 days is too long

During the waiting period, the insurance company will not pay for the illness that occurs for non-accidental reasons. Some of the more friendly critical illness plans have only a 90-day waiting period.

<h1 class="pgc-h-arrow-right" data-track="18" > configuration recommendations</h1>

The above is the main problem of this product, the product problem is less mainly due to the lack of light and moderate liability, nowhere to drain the pit, the product cost performance is not high, and the insurance liability is not the best choice.

In the choice of major illness insurance, Jingge preferentially recommends major illness insurance that does not include death liability, and it is best to include additional benefits for serious illnesses before the age of 60 to do high insurance coverage during work; if the budget is sufficient, additional secondary benefits for high-incidence serious illnesses (such as cancer and cardiovascular diseases) can be added.

It is recommended that you take a closer look at the products on the market, and then comprehensively weigh how to configure serious illness insurance.

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