Advantages:
1. The return frequency is the highest, once a year, because the amount of compound interest is directly proportional to the return frequency. The higher the return frequency, the more compound interest.
2. In recent years, China Pacific's dividend insurance rate is the industry champion, basically reaching 6% of the cash value, while Ping An's dividend insurance rate is higher only for universal insurance. Universal insurance and dividend insurance cannot be confused. In fact, the dividends are calculated separately. If cash back, dividends and compound interest are combined, Hong Xin's life insurance yield is the highest among the three types of insurance.
3. You can customize the collection date.
4. Additional risks can be added: the insured is free of premium, extra care for serious illness, extra compensation for serious illness, etc. If you add extra care and extra insurance, you can get rid of all the main risks and additional risks.
5. There are two kinds of life in Hong Xin: A and B. In the case of A, the insured will return all the premiums as a birthday bonus at the age of 70, and the policy will be valid for life. There is no birthday bonus for model B, but the premium is cheap.
6. China Pacific Insurance, like China Life Insurance and Ping An Insurance, is one of the top 500 companies in the world, a listed company at home and abroad, and the first echelon of insurance industry in China, with guaranteed reputation and scale.
7. Extra surprise: the policy takes effect and gives a fixed return, which is equivalent to two returns in the first year.
Comparison of insurance types:
One is the length of guarantee: Guo Shou Rui Xin Bao died or reached 80 years old, Ping An Jixing sent Bao Bao to die or reached 75 years old, and Pacific Hong Xin was guaranteed for life. Hong Xin wins in life.
Frequency of two returns: China Life Credit Suisse returns once every three years, Ping An Jixing returns once every two years, and Pacific Hong Xin returns once a year. Hong Xin Life wins.
Three-to-one return amount: Take annual deposit 10000 yuan and annual deposit 10 year as examples, China Life Credit Suisse returns 43 13 yuan in three years, equivalent to 1437.7 yuan per year, and Ping An Jixing returns 3,000 yuan in two years, equivalent to/kloc-0 per year.
How much is the four-turn compound interest? Hong Xin has the highest return frequency in life, and of course, the most compound interest.
Five to one return time: Guo Shou Credit Suisse is 80 years old, Ping An Jixing is 75 years old, and Pacific Hong Xin is 70 years old. Hong Xin Life wins.
Six-ratio additional serious illness: China Life Credit Suisse's premium for additional serious illness is cheaper, but it only covers 12 kinds of serious illness, and once the main insurance and additional insurance contracts are terminated. Ping An Jixing can't attach serious illness insurance, while the major illness additional insurance in Hong Xin of Pacific Ocean includes 35 kinds of serious illness, if the main insurance contract is still valid. Hong Xin Life wins.
To sum up, Hong Xin has the highest life return rate, coverage rate and coverage time. I hope my answer is helpful to you.
I am a trainee training group of China Pacific Life Harbin Acheng Branch. For more details, please contact Baidu HI.