These two types of insurance are dividend insurance, and both have dividends. However, in addition to accumulating interest, freshmen's dividends can also increase the insured amount (but remember that dividends are uncertain, so increasing the insured amount is also uncertain).
In terms of rate, the rate of healthy life is much cheaper than that of freshmen, which is more than 20% cheaper. They all have a lifetime guarantee. In addition, 65-year-old healthy people have the right to receive options in one lump sum (they can receive survival money and terminate the contract). One more thing, healthy life is a fixed rate, and freshmen are not fixed.
In terms of insurance, there are 32 kinds of healthy life, 28 kinds of 20 12 insurance for freshmen and 30 kinds of insurance for women, and the difference is not very big.
The waiting period for a healthy life is one year, and that for freshmen is 90 days.
Personally, I think that a healthy life is better than a new one in terms of cost performance. This is just my personal opinion and is for reference only. Other questions can also contact me through Baidu.