China Life's gifted children and good luck are better.

As a guarantee, I personally think neither is good. As far as these two insurances are concerned, there is no way to say that the protection is better, because the positioning of the two insurance products is not protection, mainly education funds, marriage funds and talent start-up funds. Advantages and disadvantages and insurance liability are basically as follows. The talent is: 1, and the insured lives until the effective date 18 years old. The company is based on the basic insurance amount.

2. On the effective date of the insured's survival to the age of 22, the company will pay 30% of the basic insurance amount for starting a career.

3. On the effective date of the insured's survival to the age of 25, the Company will pay 40% of the basic insurance amount and settle down, and this contract will be terminated.

4. If the insured dies before the effective date of 18, the Company will refund 1.5 times the premium paid, without interest, and this contract will be terminated; If the insured dies after the effective date of 18, the company will pay the unpaid survival insurance money in one lump sum, and this contract will be terminated.

5. When the insured reaches the age of 18, he dies before the effective date, but the insured survives, and the subsequent installments are exempted, and this contract continues to be valid. For the insured, if something goes wrong, the principal of the insurance will not be lost. For the insured, there is premium exemption. Fortune insurance liability. From the effective date of the insured to the age of 18, the company will pay 50% of the insurance amount specified in the insurance policy to the adult insurance premium.

2. The Company shall pay 50% of the insured amount specified in the insurance policy on the effective date of the year when the insured survives to the age of 22.

Three. On the effective date of the year when the insured survives to the age of 25, the Company will pay 50% of the insured amount specified in the insurance policy, and this contract will be terminated.

4. If the insured dies after the effective date of this contract to the effective date of the year when the insured reaches the age of 18, and this contract is terminated, and the insured has paid the insurance premium for more than two years, the company will refund the cash value of this contract; If the applicant fails to pay the insurance premium for two years, the company will refund the insurance premium after deducting the handling fee agreed in this contract. From the date when the insured reaches the age of 18 to his death before the expiration of this contract, the Company shall pay the death insurance premium according to the insurance amount specified in the insurance policy, and this contract shall be terminated.

Comprehensive activities prize-winning activities:

1. Cash collection;

2. Cumulative interest: dividends are retained in the company and accumulated in the form of compound interest, and the cumulative interest rate of dividends is announced by the company every year. If you die unfortunately, you may not even be able to pay the principal, but you may get more due income because there is room for dividends at maturity. Compared with gifted children who pay the same amount. ) I personally don't agree with these two kinds of insurance. I wonder what problem the landlord wants to solve through this insurance.