What are the characteristics, advantages and disadvantages of China Pingan Zhisheng Life Insurance and China Taiping Welfare Health respectively? Thank you very much

1. The main insurance of this product is 6000, with additional medical insurance 185.5. The main risk is 6000, but the additional risk 185.5 will increase with age. Before the age of 50, adjust a grade. Of course, since it is an additional risk, it can be removed or added at any time. 2. Universal insurance can solve the temporary economic pressure, but the insured amount will be reduced when withdrawing money. For example, if the cash value is 50,000, the insured amount will become 40,000, and the principal of compound interest will become 40,000, and the income will also be affected. Theoretically, the customer's account balance will be required to be no less than 1000 yuan. Is to ensure the effectiveness of the guarantee. 3. According to the additional insurance, the landlord should have no social security, in duplicate, and the annual guarantee limit is 6,000 yuan for hospitalization expenses, of which the outpatient expenses are 600 yuan for accidents and diseases. So we don't distinguish between car accidents and diseases. 80% of the expenses within the limit. There is no increase in the cost of surgery, so there is no compensation for surgery. 4. Correct a mistake. Universal income is interest, not dividends. The calculation methods of income and dividend insurance are different. The relationship between insurance amount adjustment and interest is complicated. Since I have provided you with protection, I will deduct the protection fee every month. Suppose your death and serious illness insurance coverage is 1.20 thousand yuan, and the expenses are deducted monthly, which is about1.2 yuan per month. The older you get, the greater the risk and the higher the cost (there is an expense table in the contract, which is about 50 yuan per month if you are 40 years old, and there is no expense deduction after 82 years old). Therefore, even after the withdrawal, we should keep enough guarantee fees, otherwise the contract will be invalid. See the second answer for the later impact. Universal has interest, so under the action of interest, the principal will gradually increase, generally speaking, it can be repaid in the ninth year. If the insured amount is too high, after the capital is returned, the principal and interest are not enough to make up for the deducted cost, then the principal will be less and less. Therefore, we should pay attention to the effect of capital preservation, communicate with the agent seriously, adjust the insured amount, and return the funds as soon as possible while ensuring it. 5. The basic service life of this product is 10 year, and it is up to the customer to continue to pay for 20 years, of course, it depends on whether you are concerned about income or protection. If you decide to pay only 10 year, then you will guarantee10.2 million under the condition that the insured amount is constant at around10.2 million. 6. To sum up, 6,000 yuan a year is equivalent to saving some money for yourself, and at the same time it can be withdrawn in an emergency, which is more suitable for young people with unstable income, at least without having to pay for 20 years continuously like traditional insurance. In view of your current situation, it is suggested to reduce the insured amount in the second year, speed up the return to the capital, and prepare for increasing the insured amount when the responsibility is heaviest around 30 years old, and then reduce it after 50 years old, which can give full play to the advantages and characteristics of the product. Take the points and leave. The one mentioned above is to outsmart life. Talk to you about Taiping's welfare, health welfare and 50 kinds of serious diseases. 1. Malignant tumor II. Acute myocardial infarction. Sequela of apoplexy 4. Major organ transplantation or hematopoietic stem cell transplantation. Coronary artery bypass grafting. End-stage renal disease (or uremia stage of chronic renal failure) 7. Multiple limb missing 8. Acute or subacute severe hepatitis 9. Benign brain tumor. 5438+00. Decompensated phase of chronic liver failure 1 1. Encephalitis sequela or sequelae of meningitis 12. Deep coma 13. Deafness in both ears —— Reference for the claim of three years old 14. Blindness-claim for three years old 15. Paralysis 15. Silent disease 18. Severe craniocerebral injury 19. Severe Parkinson's disease 20. Severe third-degree burn 2 1. Severe primary pulmonary hypertension. Severe motor neuron disease. Loss of language ability-claim for compensation at the age of three. Severe aplastic anemia. Aortic surgery 26. Severe multiple sclerosis. HIV infection caused by professional relationship 28. Chronic hypoadrenocortical function. Severe coronary atherosclerotic heart disease. Polio 3 1. Systemic myasthenia gravis Severe cardiomyopathy 33. Severe Crohn's disease. Severe ulcerative colitis 35. Vegetable 36. Severe 1 diabetes 37. Systemic lupus erythematosus-(complicated with lupus nephritis 38. Severe dementia caused by non-Alzheimer's disease virus. Severe rheumatoid arthritis. Severe asthma-claim before the age of 25 4 1. Renal medullary cystic disease. Severe acute necrotizing fasciitis. Chronic respiratory failure, end-stage lung disease. Pancreatic transplantation. Open surgery for acute necrotizing pancreatitis. Aortic dissection hematoma 47. Systemic scleroderma. Sclerosing cholangitis. Chronic recurrent pancreatitis. End-stage disease (definition of end-stage disease: diagnosed by a specialist as being in the end-stage state of any disease, which cannot be alleviated by the existing medical technology, and the survival time is less than six months. The above comprehensive considerations suggest that you buy a safe one, because life is universal insurance and comprehensive protection, and peace, welfare and health are a single major disease.