As it happens, Caritas of Xincheng and Treasure 2022 of Tongfang Global are very popular recently, and many people want to know which of these two products is more worthy of insurance.
Taking this opportunity today, Senior Sister carefully compares the two products to see who performs better.
Before entering the text, friends can look at the market level of Caritas and Cherish 2022:
"Super complete! Domestic popular life insurance comparison table "
1. The secret of CITIC Prudential Caritas Term Life Insurance and Tongfang Global Caritas 2022 Term Life Insurance!
In order to let everyone know more intuitively about Caritas and Cherishing the 2022 birthday, Senior Sister presented the product form diagram first:
Not much to say, the senior sister directly began to evaluate!
1, insurance condition PK
According to the above picture, we can know that the age range, waiting period and exemption clauses of Caritas and Cherish 2022 are the same, so the senior sister will not analyze it, focusing on the guarantee period, payment period and occupational restrictions.
Let's look at the warranty period. Zhen 'ai's fixed life in 2022 is more than Ming's. There are two options: 65 and 80.
As we all know, under the same other insurance conditions, the premium is different in different insurance periods.
Therefore, Zhenai 2022 provides up to six options, which is more conducive to consumers' decision according to their actual situation.
Similarly, for the payment period, Caritas supports more options, which is humanized.
It should be pointed out that although Caritas offers many choices, it lacks bargains. If it involves consumers with high income but poor stability, it is indeed an unsafe choice.
If you don't know which payment cycle you should choose, please refer to this article:
"How to choose the payment period so as not to lose money? 》
Finally, there are some questions about occupational restrictions. Caritas Life Insurance covers 1-4 occupations. In 2022, Cherish Life not only allows 1-4 occupations to be insured, but also supports 5-6 occupations to be insured, which will naturally be more relaxed.
To be clear, 5-6 occupations have high daily work risks, so the probability of getting out of danger will also increase, so many term life insurances will not cover them.
But now, cherishing the 2022 birthday also provides these people with the opportunity to enjoy life insurance protection, so intimate.
2. Guarantee Content PK
According to the above pictures, we can find that the protection content of Cherish 2022 is richer than that of Caritas. It not only has death and disability insurance, but also can provide sudden death care insurance.
When the insured dies suddenly before the age of 65 after the waiting period, at this time, the insurance company will pay an additional 30% of the insured amount after paying the death insurance premium, and the compensation is acceptable.
Moreover, this kind of sudden death protection is free to choose, which is convenient for everyone to decide on the basis of considering their own needs.
At present, the pace of social development is very fast, and the pressure of people's life and work is much greater than before. The news of sudden death is not surprising.
China Cardiovascular Health and Disease Report 20 19 released by the National Cardiovascular Center also shows that the number of sudden cardiac death in China is almost 544,000 every year, which is equivalent to about 1.500 people will have sudden death every day.
Thus, we can't underestimate the risk of sudden death. ,
Therefore, senior sister wants to give you some advice. Under certain economic conditions, it is best for families with large family responsibilities to attach sudden death protection.
2. CITIC Prudential Caritas Term Life Insurance PK Tongfang Global Caritas 2022 Term Life Insurance. What is the result?
Generally speaking, Tongfang Global Treasure 2022 term life insurance is superior to CITIC Prudential Caritas term life insurance in terms of insurance conditions and protection contents.
Therefore, if you want to buy a term life insurance in the near future, Senior Sister strongly recommends starting with a cherished 2022 term life insurance.
If you want to compare several products, you can also look at this list compiled by Senior Sister:
Top Ten Life Insurance Rankings Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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