For example, Pacific Aixiang Jinsheng and Taikang Huiying Life Love Home Edition, in fact, Pacific Aixiang Jinsheng belongs to an old-age security, while Taikang Huiying Life Love Home Edition is an annuity insurance. The difference between these two products is still very prominent.
Then let's analyze these two products and see what's the difference between them. That product is more commendable.
1. How about the adult version of Pacific Love Golden Life?
There are two versions of Pacific Life's love life insurance-the adult version and the children's version. Senior sister will introduce its adult version.
Let's take a look at the protection map of Pacific Ai Jinsheng Adult Edition:
Next, the senior sister will analyze this product from two dimensions:
1, insurance rules
Pacific Aixiang Jinsheng Adult Edition endowment assurance allows 18-60-year-old adults to be insured.
This product provides two kinds of protection periods, 20 years or 30 years, and the insured can choose flexibly according to their own protection needs.
Even if 18-year-old people choose a shorter 20-year protection period, in this case, the policy can protect them until they are 38 years old, and 38 years old is just an important period in their lives.
If the economic conditions are not very bad, senior sister suggests that it is better to choose a longer guarantee period, so that you can receive a longer guarantee and feel more at ease.
2. Guarantee responsibility
The most obvious feature of "endowment assurance" is to protect both life and death. Endowment assurance, an adult version of Pacific Ai Xiang Jinsheng, is a typical endowment assurance. Guaranteeing "life" actually means that the insured lives until the expiration of the guarantee period, and the insurance company will pay a certain percentage of the due insurance premium. Insurance "death" can be understood as death/total disability protection. If the insured dies or is totally disabled during the guarantee period, the insurance company shall pay the death or total disability insurance money as agreed.
As we can see from the protection map, endowment assurance for Pacific Aixiangjinsheng Adult is actually a combined product, and medical insurance for malignant tumor of Aixiangjinsheng has been added. Malignant tumor is a major disease with high incidence, and its treatment usually costs a lot of money.
With additional insurance, the insured can also have the protection of malignant tumor, so that the insured who unfortunately suffers from malignant tumor has less financial burden.
On the whole, the protection responsibility of the adult version of Pacific Ai Xiang Jin Sheng is not bad.
However, it should be noted that there are only two options for the payment period of the adult version of Pacific Aixiang Jinsheng, namely, 20 years payment and 30 years payment. Compared with other similar products in the market that also provide 3-year payment, 5-year payment and 10-year payment, this product has a short payment period, which is not conducive to the policyholder's flexible choice with reference to economic conditions.
I suggest you know more about the adult version of Pacific Love Golden Life before you decide whether to buy it:
What about the "Pacific Love Golden Life (Adult Edition)" old-age security? Pay attention to such people! 》
Second, how about Taikang Huiying Life Love Home Edition annuity insurance dividend type?
Now let's take a look at the protection map of Taikang Huiying Life Love Home Edition:
From the above analysis, we can know that Taikang Huiying Life Love Home Edition is a dividend annuity insurance. After joining this product, the insured will have the opportunity to participate in the dividends of insurance companies.
Senior also analyzes this product from two dimensions:
1, insurance rules
People aged 0-70 will have the opportunity to buy Taikang Huiying Life Love Home Edition. This product can be guaranteed until 24: 00 of the first year after the insured reaches the age of 105, so the guarantee period is very long, which means that people are guaranteed all their lives.
There are many payment methods, including wholesale payment, 3-year payment, 5-year payment, 10-year payment, 15-year payment and 20-year payment.
2. Guarantee responsibility
Taikang Huiying Life Love Home Edition has a comprehensive guarantee responsibility, which stipulates survival insurance, endowment insurance and death insurance, and also provides rights and interests such as policy loans, automatic premium payment and insurance reduction.
Among them, the pension insurance also stipulates that the guarantee period is set at 25 years.
If the insured dies unfortunately during this guarantee period, the insurance company will also pay the unpaid survival insurance money to the policy beneficiary according to the contract, so as to protect the rights and interests of the insured to the greatest extent.
Let's talk about the bonus of Taikang Huiying Life Love Home Edition. It is worth noting that all dividends of dividend insurance, including this product, are not guaranteed. Dividends are determined by insurance companies according to the economic situation of dividend business. If the insurance company's operating conditions are ok, we will naturally get more dividends. Once the insurance company is in a bad business situation, it may get less dividends or even no dividends.
To sum up, Taikang Huiying Life Love Home Edition has many bright spots, but its dividend is not guaranteed, so we should make a careful decision and judge whether it is suitable to add according to our actual situation.
If you want to know more about this product, you can also read this article:
"Taikang Huiying Life (Love Home Edition) Annuity Insurance (Dividend)"? You will know after reading it! 》
Generally speaking, Pacific Aixiang Jinsheng Adult Edition endowment assurance and Taikang Huiying love will keep us alive Family Edition Annuity Insurance have their own outstanding points, but these two products also need attention, so we must carefully consider them before deciding whether to start. We might as well compare other similar products on the market and choose a better product for insurance.
So what other financial insurance is better on the market? Senior sister found these ten high-quality financial insurance, and friends who want to get high returns should not miss it:
"Top Ten Financial Insurance Rankings ▏ Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
Write it at the end
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