Senior, let's compare these two products and see which one is more advantageous.
If you don't know about whole life insurance's increase, you can read this article first to find out:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
Comparison of>& gt products: comprehensive analysis of Jiageng No.3 VS Long Companion Celebration Edition
First, let's take a look at the product comparison chart of Zeng3 and Pacific Life Long Companion Celebration Edition:
Senior sister will compare the two products according to three aspects to see which product is the real winner.
I. Insurance rules
From the insurance rules, the insurance rules of the two products are actually similar. In terms of insurance age, the third increase is to allow people born between 28 days and 70 years old to buy insurance; The insurance age in whole life insurance is limited to 30 days to 70 years after birth. Both are life-long guarantees.
Regarding the payment period, there are four options for adding * * * on the 3rd, and the long companion (celebration edition) has two options: 15 and 20 years. The payment terms of these two products are very flexible and can meet the different needs of many people. If you are more willing to choose products delivered in 15 or 20 years when you apply for insurance, then the long companion (celebration edition) is better.
Second, the content of protection
Whether insurance products are good or not, in fact, insurance rules are not the focus we need to care about, and friends should pay more attention to what it guarantees.
The protection content of adding No.3 has already included the newly added disease death insurance and long-term care insurance. There are three related calculation methods for insurance payment. If you want to know the content, you can look at the protection map.
Senior sister wants to repeatedly emphasize the long-term care insurance for friends. If the insured has lost the ability of daily living and continues until the end of the observation period, the insurance company will provide the insured with corresponding long-term care insurance money.
With the continuous improvement of life expectancy, disability has gradually evolved into a great harm to the elderly. Similar to Zengjia No.3, an insurance product that covers not only the asset appreciation function of incremental life insurance, but also the responsibility of nursing protection, the protection content is quite rich, and there are still many highlights.
Moreover, the stipulated increase ratio of effective insurance coverage is 3.5%, which means that the effective insurance coverage increases with compound interest at a rate of 3.5% every year, and the income level is very good, just like those who take a fancy to nursing security and pursue high income, it is suitable for them to take out insurance.
If you want to know more about Zeng3, this article has in-depth and detailed evaluation:
"The planned income of Kunlun Health Increase No.3 lifelong care insurance product is like this ..."
The content of Long Companion (Celebration Edition) is death or full compensation, and its compensation calculation method is almost the same as adding more than 3, and the increasing proportion of effective insurance amount is also 3.5%.
However, it is worth noting that if the insured dies or is totally disabled due to reasons other than accidental injury within 180 days from the effective date of this contract or the last reinstatement date (whichever is later), the insurance company will only pay the premium paid as death or total disability insurance.
For example, if the insured dies of illness and the death occurs within 180 days from the effective date of the contract, the insurance company will only pay the premium paid as death insurance money.
This setting is to prevent some uneasy people from knowing that they are sick, easy to die or completely disabled before buying insurance. In essence, from a normal person's point of view, it is unlikely that such a thing will happen within 180 days after the insurance is configured due to reasons other than accidents.
Third, other guarantees.
The utility of policy rights is also a good place for the two products. Among them, adding No.3 optional responsibility to attract the attention of senior students is actually an additional exemption for the insured.
What is the main function of the applicant's exemption? Senior sister will tell you in detail.
If the insured starts to add whole life insurance No.3 and reaches a certain state within the payment period, such as death, total disability, serious illness, etc. After the approval of the insurance company, the remaining unpaid premiums can no longer be paid. In other words, the subsequent unpaid premium will be exempted, the policy will still be valid, and the insured will not be unable to continue to enjoy insurance protection. This optional policy interest is still very intimate. At present, according to the information consulted by senior sister, the long companion (celebration edition) does not support additional applicant exemption at present. At this time, it is better to add 3 more.
Generally speaking, Zeng3 and Changshang Company (Celebration Edition) are both excellent products, and the income is also satisfactory. Whichever we choose, it is a good choice.
However, if you want to compare the level, because the increase of No.3 can exempt the insured from the responsibility, and it has the function of financial management and nursing responsibility, these characteristics are more attractive, so the senior sister will recommend the increase of No.3.
But in fact, there are many excellent whole life insurance products on the market. You can shop around before making a decision.
You can refer to this list compiled by senior sister:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!