How much is the handling fee for safe children's universal insurance? Is it much less than Ji-young?

Hello! The two products you mentioned are aimed at different people and charge different fees. The winner of the century (universal) is for children aged 0~ 17; Wisdom wins life (universal type) for adults over 18 years old. Take the annual premium 12000 yuan as an example: the fee charged by Century Yingjia is: the first year1725; In the second year,1100; 850 in the third year; Fourth and fifth years 725; 360 per year from now on. The fees charged by Zhiying Life Insurance are: 3300 in the first year; Second year1800; Third year1200; 900 in the fourth and fifth years; 600 a year from now on. These two products have many functions and features, so I won't list them one by one. If you focus on children's education or family's long-term financial management, you can choose Century Yingjia. If you want to consider the protection of adults, serious illness or supplementary pension, you can choose a smart life. In a family, you can open an account with anyone, as long as it is worth it. However, secure accounts are irreplaceable. In fact, the two products are not comparable because they are not products of the same group. So if conditions permit, we can open separate accounts. Both products are good. Operating for so many years, the benefit situation has been relatively stable. I wish your family peace, health and prosperity!