I want to give my child a guarantee. What is the specific difference between Xin Xiang and Ping An Xin Li?

Hello. Xinxiang and Xinli are both dividend-paying products. The main insurance of Xinli and Xinxiang will not be covered before the age of 65,438+08. /kloc-After the age of 0/8, Sony will pay 2 times the insured amount, and Xinxiang will pay 3 times the insured amount. Reliance will return the survival money every two years until it reaches the age of 80. At the age of 80, it will return twice the insured amount and pay dividends every year. You can attach a serious illness, and the serious illness will be paid at twice the basic insured amount. Xinxiang can be insured for 20 years, 30 years, to 55 years old, to 60 years old, to 65 years old, and return twice the insured amount at maturity. There is also an annual dividend. You can attach a serious illness, and the serious illness will be paid according to 3 times of the basic insurance amount.