It's best to find a local salesman and make a policy analysis.
The following answers are for reference only and cannot be comprehensive:
All three types of insurance are safe, and Li Hong and Hongsheng belong to dividend insurance. Smart win is universal insurance.
The following are all personal opinions. Li Hong belongs to quick return dividend insurance. In general, children are insured. But in reality, products, security functions and financial management functions all belong to the middle end. I am 20 years old and I am insured by Manulife Insurance. I beg to differ.
Hongsheng is a traditional dividend-paying product with pure guarantee, low premium and high guarantee. Whole life insurance.
Ji-young, right, suitable for insurance. I don't know much about the specific plan here, but it is the first choice among the three insurance policies.
All three modes are whole life insurance. Although Li Hong's return is quick and he can get the survival money, it is of little significance to insure.
Hongsheng can, but I don't know the specific age of the insured and the policy plan. After all, this product is purely guaranteed life insurance and critical illness insurance.
To tell the truth, insurance products have no idea of principal. You can look at the policy contract and see if you can find a form we understand. Is it impossible?
Smart life is relatively free and cost-effective. The severance of insurance premium by soldiers does not affect the effectiveness of the policy.
The premium expenditure is basically 10%- 15% of the annual household income. However, it is also necessary to analyze specific problems. Excessive premium expenditure will cause compensation pressure, which is not insurance in itself.
The work of the agent is really difficult, at least, these problems should be solved before insurance.
But in reality, policy sales are all product promotion, and there is no idea of life insurance planning at all, so there are many such problems.
Sorry, your questions are too many and abstract to be explained clearly in a few words. Moreover, it is not as simple as asking a result answer. It's best to find a local agent to do a policy analysis.
You can also consult Ping An Customer Service 955 1 1 for manual answer. But the customer service answers are all written.
If you want to surrender, Li Hong is the first choice.
Hongsheng, depending on the situation, it is not recommended to surrender. Even if the plan is not good at first, you can readjust it.
That's all I have to say for your reference. .