Because I know our products better, I don't know much about the long-term insurance of Hong Zhong Life, so I went to the website of Hong Zhong Life to make an inquiry. The comparison results will now be introduced.
1. First of all, I want to tell you that these two kinds of insurance are essentially different. Whole life insurance is the double insurance of Taiping Life Insurance, while the long-term insurance of Hong Zhong Life Insurance is two-way insurance. The so-called whole life insurance is to accompany you all your life. For example, if the insured buys this insurance, he will get corresponding compensation whenever the risks stipulated in the contract occur; "Two types" is a limited period of time (Hong Zhong Life's "two types" is before the age of 80). If there is risk in the contract within this period, you will get corresponding compensation. If there is no risk, you will be given insurance money at the time stipulated in the contract. More specifically, if you insure the products of these two insurance companies at the same time, the insured amount is 65,438+10,000. If you are at risk before the age of 80, both Fulu Shuangzhi and Changbao Worry-Free will give you 65,438+million yuan, while if you are at risk before the age of 80, when you are 80, Changbao Worry-Free will give you 65,438+million yuan, and the contract will be terminated. If you encounter risks after 80 years, Fulu Shuangzhi will continue to give you 654.38+ million, and the long-term worry-free contract has been terminated and will no longer take effect. Of course, what I said does not include dividends.
2. The coverage is different. The limit of Fulu double treatment for serious diseases is 30 kinds of serious diseases, while the limit of long-term nursing is 365,438+0 kinds. I have carefully compared the coverage of these two insurances, and both of them meet the definition of serious illness in China insurance industry. Details are as follows:
Long-term care: 1. Malignant tumor-excluding some early malignant tumors II. Acute myocardial infarction. Sequela of apoplexy-permanent dysfunction 4. Major organ transplantation or hematopoietic stem cell transplantation-allogeneic transplantation. Coronary artery bypass grafting-thoracotomy 6. End-stage renal disease-dialysis or kidney transplantation. Multi-limb loss-complete disconnection 8. Acute or subacute severe hepatitis 9. Tumor-craniotomy or radiotherapy is needed 10. Encephalitis sequela or Meningitis Sequela-Permanent Sexual Dysfunction 1 1. Deep coma-excluding 12. Deafness in both ears-permanent irreversibility 13. Blindness-permanent irreversibility 14. Paralysis-requiring thoracotomy 16. Severe third degree burn-body surface area at least 20% 17. Severe primary pulmonary hypertension-heart failure 18. Severe motor neuron disease-complete loss of independent living ability 19. Language ability-completely lost and actively treated for at least 12 month20. 0. Aortic surgery-requires thoracotomy or laparotomy 22. Chronic recurrent pancreatitis 23. Multiple sclerosis. Muscle atrophy. Polio 26. Progressive bulbar palsy 27. Progressive muscular atrophy. Systemic lupus erythematosus. Streptococcus hemolyticus gangrene 30. Severe rheumatoid arthritis 3 1. Cortical syndrome.
Fulu Shuangzhi: 1, major organ transplantation surgery 2, aortic surgery 3, coronary artery bypass surgery 4, fulminant hepatitis 5, chronic renal failure 6, severe burn 7, stroke 8, heart disease 9, cancer 10, paralysis1,senile dementia/kloc-0. Benign brain tumor 15, chronic liver failure 16, chronic lung disease 17, aplastic anemia 18, polio 19, severe craniocerebral trauma 20, blindness 2 1, hearing loss 22, limbs Heart valve replacement surgery 26, severe multiple sclerosis 27, severe chronic respiratory failure 28, polio 29, HIV infection caused by occupational relationship 30, severe coronary atherosclerotic heart disease.
In fact, these are some very professional medical terms. I haven't been able to compare for a long time. It's up to you
Look at the rate, that is, how much you have to pay each year. I think Acer Life Insurance is an example of a 30-year-old man insured. The insured amount is 654.38+ten thousand yuan. The payment period is 20 years, and the annual premium is 40 18 yuan. Our Taiping Life Insurance Company's Fulu double insurance amount is 654.38 million yuan, the payment period is 20 years, and the premium is 3,000 970 yuan. I don't know your specific age, but it can be said that the Taiping rate is low.
4. It depends on what you say about dividends. First of all, don't mind my verbosity. I'd like to introduce our Taiping life insurance to you.
Taiping Life Insurance Co., Ltd. was established in Shanghai, 1929. To 195 1, with more than 990 branches at home and abroad, it has become a leader in the industry. After 1955, according to the unified adjustment of the insurance industry by the state, Taiping Life suspended its domestic business and shifted its focus to overseas. On the eve of China's entry into WTO, in order to enhance the competitiveness of state-owned insurance enterprises and explore new ways for state-owned insurance enterprises to establish a modern enterprise system, with the approval of the China Insurance Regulatory Commission, Taiping Life Insurance Co., Ltd. officially resumed business on 20061October 30.
After resuming business, Taiping Life Insurance Co., Ltd. has three major competitive advantages. Firstly, the advantages of mechanism: China Insurance, China Insurance International and Fortis are the main shareholders, which is conducive to the company's standardized operation and the introduction of foreign advanced management technology; Secondly, the talent advantage: at present, the company has gathered a group of middle and senior managers who are very familiar with the life insurance market in China and have rich experience in insurance enterprise management, and are praised for their professionalism and professionalism in the industry; There are also operational management and IT advantages: centralized underwriting and unified billing processes and systems are conducive to controlling underwriting risks, improving operational efficiency and building the core competitiveness of backup service management. In July 2007, the Company was officially approved by the State Council to invest in the Hong Kong stock market.
Therefore, our investment ability of Taiping Life Insurance is very strong. Let's compare the demonstration bonuses of these two companies. Both 30-year-old men were insured for 65,438+10,000.
Hong Zhong China Life Insurance
Dividend payment: age
40, 50, 60, 80.
Accumulated bonus (low) 3,091,16,482, 3 1, 808,93,726.
Accumulated bonus (middle) 3,42718,929 38,673119,501.
Cumulative bonus (high) 37642138145543654 38+045290
Taiping life insurance
Dividend payment: age
40, 50, 60, 80.
Cumulative bonus (low) 6284 24736 52904 135742
Cumulative bonus (middle) 8973 36535 8 1562 232084
Cumulative bonus (high)11859 50012116834371747.
Of course, the above are all reference data. No company will write these dividends in the contract. However, I can tell you responsibly that the dividends of our company in recent years are higher than the high-end dividends displayed! Because our company has strong investment ability and background.
The above is my basic comparison of the two types of insurance, hoping to help you.
I'm from Shenyang Taiping Life Insurance, QQ: 13997304.
MSN:nancyenjoy@hotmail.com, I hope I can help you with your problem ~ You can qq me if you have any questions!