Health Fuxing premium: 3,940 yuan/year, paid in 20 years, with the insured amount of 6,543.8+million.
Xiangrui lifetime premium: 4,860 yuan/year, paid in 20 years, with the insured amount of 6,543.8+million.
Good health and good luck will increase steadily, and the amount of critical illness insurance will increase by 3% every year. 65,438+10,000 yuan, and the insured amount will increase by 3,000 yuan every year until life. The growth ratio is clearly stipulated in the contract and is not affected by the operating ability of the insurance company.
Xiangrui is a life-long dividend-paying insurance, and the rate of increase depends on the operating ability of the insurance company. In the case that the insurance company operates well, the insurance amount can be increased rapidly. Because the amount of insurance is increasing with compound interest, the time value of the funds you invest can also be reflected, and the premium is relatively low.
Both have their own advantages.