Today, Senior Sister invited whole life insurance and whole life insurance (Celebration Edition), which are the best-selling products in whole life insurance market. Taking them as an example, this paper makes a comparative analysis of these two modes to see which full life insurance is better.
Before we begin, you can also look at this insurance handbook, which will help you understand the following:
Before buying insurance, you must first understand these key knowledge points! 》
First, the safety analysis of happiness and long-term companionship at the age of (Celebration Edition)
1, insurance conditions
In terms of the age requirement of insurance, both Tianfu and Changshang Company (Celebration Edition) support the allocation of newborn babies. Nianyue Tianfu can be purchased after 28 days of birth, while Changshang Partner (Celebration Edition) can only be insured after 30 days of birth. Even if there is a gap of two days, it doesn't matter much.
In addition, Yue Tianfu and Chang Companion (Celebration Edition) both allow people over 70 to take out insurance, which can be said to be relatively large.
For the payment period, the payment period set by Tian Yue Tianfu Changshan Companion (Celebration Edition) is still very selective. It not only supports wholesale payment, but also provides a variety of different annual payment periods, which is friendly to our consumers and can choose the payment period that suits them according to their own situation.
If you are a friend with better economic conditions, Senior Sister suggested that you can choose the method of wholesale payment, because the premium paid by wholesale payment is not as much as that paid annually on the premise that there is no difference in the content of protection.
Maybe some friends don't know what it means, but those who don't understand will understand after reading the explanation of this article:
What do you mean by wholesale? What are the benefits? 》
2. Guarantee content
In the growth of effective insurance coverage, both the annual increase in wealth and the long-term partner (celebration edition) are based on the proportion of 3.5%. However, the protection provided by Tian Yue Tianfu and Changshang Companion (Celebration Edition) is relatively simple and only provides death/total disability protection. As far as the content of protection is concerned, the difference between the two products is actually very small.
In addition, Fu He Chang Companion (Celebration Edition) also provides a variety of different policy preferences, and they are all very practical. Looking at the annuity conversion here, it is still good to convert all or part of the insurance money into an annuity.
Second, who is better, Fu and Chang Lian (Celebration Edition)?
As can be seen from the above, if there is old-age security and long-term companionship (celebration version) security, there is actually not much difference. Also, on the whole, if you look at it, if it is excellent, these two products are not considered. Let me introduce you to the coverage and the increasing proportion of insurance coverage.
At present, in order to be more competitive, many products of the same type not only have death/disability protection, but also have accidental death/disability insurance, such as aviation accidental death/disability insurance. In this way, consumers can enjoy more protection and make people feel at ease.
From the growth of effective insurance coverage, some products in whole life insurance performed well, and the growth rate of insurance coverage can even reach about 3.8%, while the growth rate of Tian Yue Tianfu and Changshan Companion (Celebration Edition) is only 3.5%, which is not very prominent.
Generally speaking, the cost performance of Years Tianfu and Changshangban (Celebration Edition) is average, neither of them is particularly excellent, and the guarantee content is relatively thin, which is not particularly worth starting with.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister sorted out a lot of value for money, to ensure a solid whole life insurance. You can choose the best one here:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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