Today, my senior sister will tell you about the protection of these two products and which one is more suitable for insurance.
Friends who don't know about term life insurance and whole life insurance can read this article first:
What's the difference between term life insurance and whole life insurance? Senior sister tells you! 》
First, Jingfu heirloom (Zun Win Edition) VS Dragon Companion (Celebration Edition)
As usual, senior, let's take a look at the comparison chart of the protection content of these two products.
To sum up, we can know that although these two products are both made in whole life insurance, there are still many differences. The following senior will give you a detailed introduction from the insurance conditions and protection contents.
1, analysis of insurance conditions
In the insurance age section, Jingfu Chuanjia (Zunying Edition) can support 75-year-old people to buy insurance, while Changban (Celebration Edition) can allow 70-year-old people to buy insurance. In contrast, Jingfu Chuanjia (Zunying Edition) has a wider insurance age.
However, there are some whole life insurance products on the market whose maximum underwriting age can reach 80. It can be found that these two products are not particularly excellent in underwriting age.
Regarding the payment setting, both products include batch payment and regular payment, and both provide a maximum payment period of 20 years.
There are various payment methods, and you can choose the appropriate payment period according to your actual situation. Generally speaking, for people with good but unstable income level, it is more appropriate to choose wholesale delivery; For people with low income level but high stability, it is better to choose a longer payment period.
For consumers, the fewer exemption clauses, the better. In terms of exemption clauses, there are only three Jingfu heirlooms (Zun Win Edition) and seven Nagasaka (Celebration Edition). Comparatively speaking, Jingfu heirloom (Zunying Edition) performs better in the exemption clause.
To learn more about the disclaimer, you can read this article:
What is the exemption clause of insurance? what do you think? If you don't understand, you will suffer a big loss! 》
2. Security content analysis
According to the figure, we can see that the protection contents of these two products are different. The protection contents of Jingfu Chuanjia (Zunying Edition) include death and high disability protection, additional insurance for accidental death in aviation and additional insurance for accidental death of rail vehicles; Dragon Company (Celebration Edition) provides death and total disability protection.
When it comes to the setting of payment ratio, there is no difference between the two products: 18-40 years old, the payment ratio is160%; 4 1-60 years old compensation is140%; 6 1 compensation for one year old and above is 120%.
It should be noted that if we are carrying the products of Jingfu Chuanjia (Zunying Edition), we will leave this world after an accidental injury occurs on a commercial airliner in compliance with the guarantee period. If the payment standard of extra insurance premium for aviation accident death is met, the insurance company will pay extra insurance premium for aviation accident death in addition to the death insurance premium agreed upon.
Second, summary
To sum up, compared with Dragon Companion (Celebration Edition), Jingfu Chuanjia (Zunying Edition) has wider coverage, wider insurable age range and fewer exemption clauses.
However, when we buy insurance products, we still have to see whether it can cover our protection needs. Only those that can cover our security needs are the most suitable.
If you think these two products can't meet your needs, you can learn about this product called Xintai Life Ruyi Zun (Version 3.0).
The highest underwriting age set by Ruyi Zun of Xintai Life Insurance (version 3.0) is 80 years old, which can better meet the needs of some elderly people, and besides the protection of death and total disability, it can also protect aviation accidental death or total disability, and is also suitable for friends to insure.
Due to space reasons, senior sister won't introduce Ruyi Zun (version 3.0) in detail here. Interested friends can read this article:
"Xintai" Ruyi Zun 3.0 whole life insurance "ensures that the content and yield are open! 》
Finally, senior students have to remind everyone that when choosing whole life insurance products, they should consider the actual needs of the insured and avoid blindly following the trend! I hope everyone can choose products that meet their own needs!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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