However, there are still many friends who don't know which product to choose when facing the increase of whole life insurance. Therefore, we would like to take this opportunity to take whole life insurance, a long companion celebration edition, and whole life insurance, a legend of Jingfu, as examples to see the differences in protection between these two products.
First of all, whole life insurance Celebration Edition and Beijing-Fuzhou Heir whole life insurance Zun Win Edition!
Let's first take a look at the comparison chart of the protection of whole life insurance, the long companion celebration version, and whole life insurance, the winner of Jingfu heirloom:
1 insurance conditions
The long companion birthday edition supports people born from 30 days to 70 years old, and the Jingfu family inherits the whole life insurance edition to support people born from 28 days to 75 years old. Compared with the Long Companion Celebration Edition, Jingfu Chuanjia's winning the whole life insurance Edition will enable more people to get insurance opportunities.
In terms of payment terms, the payment terms provided by Long Companion (Celebration Edition) are relatively flexible. In addition to optional wholesale payment, five different annual payment periods are stipulated. If people with better economic conditions, they can consider paying the premium by wholesale to avoid the risk of delayed payment; If you are a friend who is not allowed by economic conditions, just choose the annual payment period that suits you, and the pressure is not great. Whole life insurance, the winner of the Jingfu heirloom edition, can make an agreement with the insurance company on the payment period.
If you don't know which payment period is suitable for you, you can look at the analysis written by senior sister:
"How to choose the payment period so as not to lose money? 》
2. Guarantee content
Whole life insurance, the edition of Long Companion Birthday Celebration and the edition of Jingfu Family Inheritance, has different compensation schemes for the death/total disability/high disability insurance of the insured according to the different age groups of the insured. It is excellent to give consumers the most suitable compensation scheme by comprehensively considering the different pressures of the insured in different periods.
However, whole life insurance, the winner of Jingfu heirloom edition, not only provides death/disability protection, but also supports aviation accident death protection and rail vehicle accident death protection. Compared with the long-time companion celebration edition, whole life insurance, the winner of the Beijing-Fuzhou heirloom edition, has more adequate guarantee responsibilities.
2. Which is better, whole life insurance Long Companion Celebration Edition or whole life insurance Jingfu Family Heritage Edition?
1, increasing proportion comparison
The growth rate of insurance coverage for the long companion birthday edition is 3.5%, and that for the whole life insurance edition of Jingfu Chuanjia Zun Win Edition is 3.7%.
In the case of the same amount of insurance, the higher the increasing proportion of insurance, the higher the value of the insured in the later period, which is more beneficial to consumers.
If you want to know the specific benefits of long companion Celebration Edition, please click this article to find out the answer:
Long Companion (Celebration Edition) Is whole life insurance really a golden rice bowl? The truth is chilling! 》
2. Comparison of protection rights and interests
As can be seen from the product comparison chart, the Long Companion Celebration Edition has a variety of protection rights, namely: policy loan rights, automatic premium payment rights, converted annuity rights and reduced insurance rights.
If you have the right to reduce insurance and meet the contract requirements, the long companion celebration edition can also withdraw some cash value by reducing insurance. If you are in a hurry to use money one day, you might as well choose to reduce the insured amount and take it out in case of emergency. Then, without affecting the effectiveness of the policy, the remaining effective insurance amount of the policy will continue to increase by 3.5% year by year. Reduced insurance rights are really flexible.
There is an additional insurance right for the heirloom version of whole life insurance of Jingfu. If the economic pressure of the insured is not so great in the later period and there is extra money, then you can apply to the insurance company for additional insurance at this time to enrich the protection. Long companion Celebration Edition does not provide this right.
After comparing the insurance conditions, insurance contents, increase ratio and rights protection of these two products, everyone should know the advantages of these two products. If you want to get the protection of death or total disability, I recommend the insurance company celebration edition. If the economic conditions are relatively affluent, and you want to pursue other guarantees under the basic guarantee, you can consider Jingfu heirloom winning the prize in whole life insurance.
Intimate school sister also compiled a list of whole life insurance worth insuring in the market, which can be obtained by herself:
"Fresh! Don't miss five high-yield incremental whole life insurance! 》
Write it at the end
I am a scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
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