Hang An Heng Ai Lifetime is a short-term premiums, long-term fixed return type of insurance, your daughter to pay about 6,000 per year, premiums for five years, may be the amount of coverage for about 10,000, in which case every two years you can take 900, until the age of 99, in the age of 66 years old to receive 2,700, the age of 99 years old to take the full term of all the premiums paid, and the other dividends are used to ensure that the level with the inflation. This is an investment type insurance, the protection is very low, if the investment is not high, then the return is basically painless. It is recommended that you do some protection insurance for your baby such as critical illness and medical care before considering an investment type. In addition from the level of return, this insurance is just average, can not be called too outstanding.
Life's Anxiang lifetime should be sold through the bank agent, the payment time is not long, but only two steps will be returned within 15 years of the premium, in addition to a little bit of life protection, but the protection function is relatively weak, the rest is the dividends to the age of 70.
In short, both are very weak insurance products, according to the theory of the insurance pyramid should belong to the upper middle class building, if there is no protection of the bottom is very risky.