Today, Senior Sister found the E-home of Xin 'ai and whole life insurance and whole life insurance guarded the E-home for everyone. These two products are the best-selling products in the whole life insurance market at present. Take them as an example, compare and analyze these two products to see which full life insurance is better.
Before you start, you can learn more about whole life insurance, which will make you feel more at ease:
Who's whole life insurance? Is it worth starting with? 》
First, comparative analysis | New love E home vs guardian E home
The whole life insurance product comparison chart of Xin 'ai E and Guardian E is our starting point:
1. Insurance conditions
Ai Xin E's and E's guardian life insurance have one thing in common, that is, life insurance, with only five exemption clauses, not to mention many exemption clauses.
Whole life insurance, who loves E family, allows people aged 30 days to 80 to take out insurance, which is their difference, while whole life insurance, the guardian of E family, is very friendly to people aged 65,438+08-75. By comparison, whole life insurance, the new love E, has a wider insurance age, and both children and adults can choose insurance.
From the payment period, we can know that the whole life insurance trust E family can choose the payment period as one-time payment or 3/5/ 10/ 15/20 years, while the whole life insurance guardian E family has also set up wholesale payment or annual payment, and can choose 5/ 10/20/30 years.
In addition, the insured amount of Xin 'ai E's family increases with compound interest of 3.5% every year, and even the cash value of the policy will increase with compound interest, which is an increasing whole life insurance; However, the amount of insurance for guarding e's home is certain and will not increase with the passage of time. Only when the cash value is getting higher and higher, that is the quota whole life insurance.
Therefore, it can be found that with the constant change and development of Xin 'ai E family, the cash value and insurance amount will increase, and it will far exceed Guardian E family.
2. Death/disability insurance
There are two kinds of compensation for whole life insurance's death/total disability in Xin 'ai E family. One is/kloc-who died/was totally disabled before the age of 0/8, so it is necessary to choose the largest one between the cash value of claims and the premium paid. The other is death/total disability after 65,438+08 years old, multiplied by age coefficient, effective insured amount and cash value of the policy.
Whole life insurance, the guardian of E's family, only paid 65,438+000% of the basic insurance amount for death/total disability. After comparison, Ai Xin family whole life insurance provided slightly more death/disability insurance.
But if you have less money, you can choose term life insurance and death/total disability protection. Senior students have selected ten excellent life insurance products from the market. Friends may wish to consider whether to choose from them:
Top Ten Life Insurance Rankings Worth Buying! 》
3. Other aspects
Not only Xin 'ai E's family owns three policy rights, but also whole life insurance, the guardian of E's family, and also owns insurance deduction, deduction settlement and policy loan.
For example, the insured is in urgent need of money and does not want to take this policy. He can get cash in time by reducing insurance and policy loans.
Deduction settlement means that the insured is unable to continue to pay the premium of this policy or does not want to continue to pay the premium. The remaining premium can be paid by deduction settlement, and the insured amount will be reduced accordingly.
4. Income.
Ai Xin Ocha:
If 30-year-old Mr. Wang is equipped with Xin 'ai E-home whole life insurance, the annual premium will be 654.38+00,000, which will be paid in five years. The insured amount is 39.65438+0.53 million yuan, and the total compensation for five years is 5 million yuan.
If Mr. Wang never takes out the money and dies or surrenders at the age of 80, the beneficiary can get a policy income of 23.4508 million yuan. Excluding the premium cost of 5 million, the income can be almost 20 million.
Guard e's home:
Suppose Mr. Li, 30 years old, bought Guardian E, with the insured amount of 1 million, the annual payment of10.07 million, the payment period of 30 years, and the total premium of 3210.00 million.
If Mr. Li dies unfortunately, his family will receive 6.5438+0 million compensation.
If Mr. Li has never been out of danger and chooses to surrender at the age of 70, he will get a total of 5100300 yuan, and he will also get189300 yuan, that is,180000 yuan.
Judging from the income of both, whole life insurance's income of Xin 'ai E's family is much higher than that of guarding E's family, and it seems that compound interest has a great influence.
2. Ai Xin E home or guardian E home, which is more worth buying in whole life insurance?
On the whole, it is obvious that whole life insurance, who believes in E-Family, is better than guarding E-Family in terms of insurance conditions, security contents and income. Therefore, the senior sister thinks that trusting E-family is more worthy of configuration than guarding E-family, not only can inherit assets, but also the income situation is better.
Of course, if you compare it with the increasing whole life insurance on the market, then choose an increasing whole life insurance that suits you and has high income.
Finally, the senior shared an increased list of critical illness insurance with friends, from which you can choose and compare:
"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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