Before that, let's first understand what whole life insurance is:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
1. Le Ying Lifelong (exclusive edition) and Jingfu heirloom (exclusive edition) compete with whole life insurance!
First of all, I'd like to present a comparative picture of Le Ying Life (exclusive edition) and Jingfu heirloom (exclusive edition) in the whole life insurance:
Today, I take this opportunity to analyze and compare Le Ying Yisheng (exclusive edition) and Jingfu Chuanjia (exclusive edition) whole life insurance according to the insurance conditions and protection contents:
1, insurance rules
(1) insurance age
After reading the protection map, we can know that Le Ying Lifelong (exclusive edition) provides insurance opportunities for people born more than 28 days and under 70 years old, while Jingfu Chuanjia (exclusive edition) allows insurance coverage for people aged 28 days to 75 years old in whole life insurance.
Comparing the insurance age of these two products with similar products on the market, we can know that they are already extensive, and whole life insurance, a legendary family like Jingfu (Zunying Edition), can also give more insurance opportunities to the elderly.
(2) Term of payment
Le Ying Lifetime (exclusive edition) provides the insured with a relatively short payment period, covering only three years and five years, which is inhumane. After all, there are as many as 4-6 payment terms for some products on the market, and the insured can choose freely.
Let me remind you that Le Ying can't rely on wholesale to pay the premium (exclusive version) in this life, so if you want to configure this product, you must plan the premium expenditure in the next few years in advance. Whole life insurance's payment period is negotiated with the insurance company.
If you don't know which payment cycle 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? 》
Step 2 increase the proportion
Le Ying's life insurance coverage will gradually increase by 3.5% every year, while the whole life insurance coverage for Jingfu heirloom (Zunying Edition) will gradually increase by 3.7% every year. Comparatively speaking, the whole life insurance has better protection for Jingfu heirloom (Zunying Edition).
3. Guarantee content
Le Ying's life (exclusive edition) has a very good coverage. In addition to setting up death protection, it also increases the protection of high physical disability and the protection of accidental injury, death or high disability of passenger transport.
For small partners who often need to travel by passenger, this guarantee should not be too intimate.
Jingfu Chuanjia (Zunying Edition) whole life insurance also has sufficient protection responsibilities, including not only death/disability insurance, but also extra insurance for death in aviation accidents and extra insurance for death in rail transit accidents.
2. Which is worth buying, whole life insurance ZhongLe Ying Lifelong (exclusive edition) or Jingfu heirloom (exclusive edition)?
When it comes to rights and interests, the rights and interests of Le Ying Lifelong (exclusive edition) include two rights and interests: converted annuity and loan, while the optional rights and interests of Jingfu Chuanjia (exclusive edition) whole life insurance include policy loan, automatic premium payment and additional insurance.
Among them, it is very useful to add insurance to this right. If the financial strength of the insured is not strong in the early stage of insurance and the funds are abundant in the later stage, the insurance can be increased by adding insurance on the basis of the original insurance amount.
Generally speaking, Le Ying Yisheng (exclusive edition) and Jingfu Chuanjia (exclusive edition) whole life insurance are two excellent products, and the protection contents of these two products are quite good. Compared with life insurance products with only death/disability insurance benefits, these two products can make the insured enjoy more thoughtful protection. You can choose insurance according to the actual demand and economic situation.
If you feel that these two products can't meet your needs after reading the above contents, you can also look at other whole life insurance products of the same type on the market and shop around before making a choice:
"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;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!