Nowadays, the awareness of investment and financial management is getting stronger and stronger, and most investment and financial management tools are loved by many people, such as stocks, funds and insurance. As an example; However, investment is also risky, such as stocks and funds, which are relatively more risky, so insurance is relatively suitable for the general public, but whole life insurance is a very good choice.
However, many friends don't know which product to choose when facing most whole life insurance products. Then take Huaxin Heritage whole life insurance and Long Companion Celebration Edition whole life insurance as examples to see which of these two products is more worth buying!
First, Huaxin inherits whole life insurance PK Dragon Companion Celebration Edition whole life insurance
However, before starting the formal evaluation, let's familiarize ourselves with the comparison chart of Huaxin Heritage whole life insurance and Longbanqing Edition whole life insurance, as follows:
It is clear that Huaxin Heritage whole life insurance and Dragon Companion Celebration Edition whole life insurance both belong to whole life insurance with an increase of 3.5%.
In this case, senior sister will explain it to you from the perspective of protection content and insurance conditions.
1. Insurance conditions
When it comes to the relevant conditions of insurance, there must be three points: insurance age, guarantee period and payment period. Among them, Huaxin's inheritance of whole life insurance and the celebration version of whole life insurance are life-long guarantees.
In the age range of insurance, the age range allowed by Huaxin Inheritance whole life insurance is 28 days to 80 years old, while those born between 30 days and 70 years old can apply for whole life insurance Long-term Celebration Edition.
In addition, regarding the payment period, Huaxin Heritage whole life insurance has set four different options for you, namely wholesale payment, 3-year payment, 5-year payment and 10 * *, and whole life insurance Long-term Celebration Edition has carefully prepared six different options for you. You can choose wholesale payment, 3-year payment, 5-year payment and 10 payment according to your own situation.
It can be seen that both products provide you with the choice of wholesale delivery, and the benefits of wholesale delivery are still very many, which can save premiums and save trouble.
2. Guarantee content
On the one hand, there is a difference between Huaxin's inheritance of whole life insurance and the long-term celebration version of whole life insurance.
Huaxin inherits the protection provided by whole life insurance, including general death or total disability protection, accidental death or total disability protection caused by major natural disasters, and also provides other rights and interests such as policy pledge loan and automatic premium payment.
This product is not only for consumers to consider the possible situations under normal circumstances, but also to cope with the impact of major natural disasters, which is still very good for the insured.
The whole life insurance version of Long Companion Celebration is relatively simple, focusing on providing death or total disability insurance benefits, annuity conversion, insurance reduction and other rights and interests; Although the protection content of this product is a bit simple, other rights and interests are also quite practical.
For example, if necessary, whole life insurance can directly convert it into annuity insurance and enjoy the benefits of annuity insurance.
If anyone wants to know more about whole life insurance's long companion celebration edition, then don't miss the following article:
Long Companion (Celebration Edition) Is whole life insurance really a golden rice bowl? The truth is chilling! 》
2. Which is better for Huaxin to inherit whole life insurance or the long-term celebration version of whole life insurance?
After seeing this place, I think you have a preliminary understanding of Huaxin's inheritance of whole life insurance and whole life insurance, the Dragon Accompaniment Celebration Edition, but some friends still want to know which one is better. Let's compare and identify it carefully.
1. The payment period is diversified.
First of all, when it comes to the payment period, we can know from the above that Huaxin inherits whole life insurance * * * with four different payment periods, but whole life insurance has six, which is a long companion celebration edition.
It can be seen that in terms of payment period, whole life insurance, the version of Changbanqing, has a variety of choices, which also provides considerable choice space for policyholders.
Seeing this, does it mean that it is not good for Huaxin to inherit the increase in whole life insurance? Actually, some friends want to know more about Huaxin's inheritance of whole life insurance. This article is worth reading:
Is it worth buying the whole life insurance value of Xintai Huaxin's inheritance and profit increase? Tell you in one article! 》
2. The insurance age range is wide.
From the above, it can be understood that the upper limit of the insurance age for Huaxin to inherit from whole life insurance cannot exceed 80 years old, while the maximum insurance age stipulated in whole life insurance Long-term Celebration Edition is 70 years old; Although the difference between the former and the latter is only 10 years, the gap is still very large.
Compared with whole life insurance, a lifelong companion celebration version, Huaxin inherits whole life insurance and is more considerate to the insured aged 70 -80.
To sum up the full text, Huaxin inherits whole life insurance and Dragon Companion Celebration Edition whole life insurance, both of which have their own advantages. Different insured people are suitable for different insurance products, so you only need to consider your own insurance needs before choosing.
At the end of the article, for the small partners who want to insure the increase in whole life insurance, Senior Sister has prepared a small gift for everyone:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
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