Guoshou Fu, PICC Worry free Life and Tian an Health Source 2, I don t know which one to choose

To you who know this when you see this.

Everyone who wants to buy critical illness insurance should have heard of the national life blessing that talks about Chinese life, and behind the super high sales of this product, the controversy about it has not stopped. In order to adapt to the constantly updated insurance market, China Life Fu was also updated some time ago, but after I thoroughly evaluated the China Life Fu Ultimate Edition, I don't recommend buying it, so of course it is not groundless, I wrote in this article:Heavy!

A comprehensive and in-depth evaluation of China Life Fu, look before you buy?

It mentions in detail the protection content, advantages and disadvantages of China Life Fu, and what materials to prepare before applying for insurance, so you must read it before buying.

Let me briefly talk about the difference between the updated Guoshou Fu Deluxe Edition and the previous version, is it cost-effective?

1. What has been optimized for the China Life Blessing Ultimate Edition?

We take the National Life Welfare Premium Edition, the National Life Blessing Supreme Edition and the National Life Blessing Premium Edition, and compare the three critical illness insurances, **What's new:

Direct conclusion: The adjustments are mainly these: Increasing the number of minor illness claims The Premium Edition enriches the types of critical illnesses covered.

2. Is it worth buying the National Life Blessing Edition?

Although the number of minor illness claims of the National Life Blessing Enjoyment Edition has been adjusted to three times, which is relatively sincere, but after all, it is a large company, and the advertising cost required for the product is not a small amount, ** It is still not low, if it is not for the people who prefer the China Life Company, I don't recommend the China Life Blessing Enjoyment Edition.

I compared the hot-selling critical illness insurance products of large companies in the market in 2020, which is not very convenient to show here, you can check out this articleHeavy! There are 10 critical illness insurance policies on the market that are worth buying

The article lists the top 10 best-selling critical illness insurance products, see if there are any that meet your needs.

That's all for me"Guoshou Fu, PICC Worry-free Life and Tian'an Health Source 2, I don't know which one to choose"All, look!

It's really pointless to simply compare products.

The starting point of the customer's consideration is the present, but insurance is bought for the future, so some issues need to be abstract and long-term consideration.

There is no comparison between the types of different types of insurance, which is a misunderstanding.

It is important for customers to consider their own needs, and the mass insurance consumption, which seems to be correct, is actually a mistake in itself.

Insurance itself is the avoidance of future risks and the expectation of future life, which really belongs to the private customized model, and it is really important to clarify your own needs rather than blindly following the herd, which can avoid many misunderstandings.

It is necessary to understand the product form, rather than simply listing this information, different product models have their own characteristics, and the product does not matter whether it is good or bad, because it is the same for all customers.

The main thing is how to plan the product, and the future interests of the customer can be relatively optimal, which is the key.

For insurance products, in addition to the product itself, customers also need to consider the integrity and professionalism of the people.

Different insurance products vary, you can call your desired insurance company** for advice.

Summary. Hello, Ping An Lukfook Critical Illness Insurance is a newly defined critical illness insurance product launched by Ping An Life. It is underwritten in the form of both main insurance and supplementary insurance.

It is equivalent to a returnable critical illness insurance, which can return 100% of the premium paid if you are still alive at the age of 80 and have not had an accident. As a critical illness insurance with multiple claims in groups, the grouping of critical illnesses is reasonable.

This product also breaks the situation that the critical illness insurance of large insurance companies has no moderate illness protection, and sets up 1 compensation for moderate illness, and the compensation amount is 50% of the sum insured. In addition, 15 additional claims for specific diseases have been added for children, and 200% of the sum insured can be paid for high-incidence leukemia.

Ping An Lukfook, or life worry-free, which is better.

Hello, Ping An Lukfook Critical Illness Insurance is a newly defined critical illness insurance product launched by Ping An Life. It is underwritten in the form of both main insurance and supplementary insurance. It is equivalent to a deferred refund type critical illness insurance, which can refund 100% of the premiums paid if you are still alive at the age of 80 and have not had an accident.

As a critical illness insurance with multiple claims in groups, the grouping of critical illnesses is reasonable. This product also breaks the situation that there is no moderate illness protection in the critical illness insurance of large insurance companies, and sets up a compensation for medium illness for 1 time, and the compensation amount is 50% of the sum insured. In addition, 15 additional claims for specific diseases have been added for children, and 200% of the sum insured can be paid for high-incidence leukemia.

Life Carefree Product 1High Critical Illness Sum AssuredThis product covers 110 critical illnesses, 150% of the basic sum assured will be paid if the first diagnosis is made before the age of 70, and 100% of the basic sum assured will be paid after the age of 70. In addition, there is an additional insurance benefit for critical illness, and if a critical illness is diagnosed for the first time after the minor illness is paid, an additional 30% of the basic dust chain insurance amount can be paid, that is, the maximum compensation ratio is 180%.

2.Moderate and mild illness protectionThis product contains 48 types of mild illness, and 3 claims are paid out without grouping, without interval. 45% of the sum insured before the age of 70 and 30% of the sum insured after the age of 70.

The Moderate Illness Benefit includes 36 types of Moderate Illness, which will be paid 3 times without grouping, and 60% of the basic sum insured will be paid each time, with no interval, which is higher than that of similar products. 1.Optional ResponsibilitiesThis product contains 4 optional responsibilities:

The policyholder's waiver, the second compensation for cancer, the second compensation for cardiovascular and cerebrovascular diseases, and the special diseases of children can be flexibly selected according to their own situation, and the practicability is relatively strong.

Overall, people say that Ping An Liufu is a little more perfect.

An Xin. "Worry-free" product, it is made up of "China Life Anxin Worry-free Insurance."

Participating)" is a combination of "China Life Anxin Worry-free Long-term Accident Injury Insurance" and "China Life Additional Anxin Worry-free Early Payment Critical Illness Insurance". What's very interesting about this product is that the benefits that used to be provided by two products have now been changed to three.

First of all, let's look at the "Anxin Worry-free" product, which is composed of "China Life Anxin Worry-free Insurance (Participating)", "China Life Anxin Worry-free Long-term Accident Injury Insurance" and "China Life Additional Anxin Worry-free Early Payment Critical Illness Insurance". The insurance period of "China Life Anxin Worry-free Dual Insurance (Participating)" and "China Life Additional Anxin Worry-free Early Payment Critical Illness Insurance" is 5 years, 6 years, 10 years and 15 years, and the insurance period of "China Life Anxin Worry-free Long-term Accident Insurance" is 7 years, 9 years, 15 years and 20 years. The payment method is divided into single payment.

Three-year annual payment, five-year annual payment, and ten-year annual payment. In terms of insurance liability, we provide maturity payment, death benefit, critical illness insurance benefit, accidental death insurance benefit, and three major natural disasters.

Death benefit.

In addition, it has to be said that this bancassurance product is a savings product, so the sum insured.

Compared with the premium paid, there is not much difference, taking a 30-year-old man, 10 years of payment, 10 years as an example, the annual premium is 10,000 yuan, the basic sum insured is 10,633, the maximum illness protection that can be provided is yuan, and the maximum accidental injury protection is 318979Yuan. This kind of protection is already insignificant for the family protection plan, but fortunately, they are all add-on insurances and can not be bought.

If you need critical illness protection, you can choose between consumption-based term critical illness insurance and savings-based whole life critical illness insurance.

In view of the current high interest rate environment and cyclical changes in interest rates, it is not recommended to consider the 5-year and 6-year plans, and it will be more reassuring to buy government bonds directly. Currently CIRC.

In considering the liberalization of investment channels and allocation of insurance funds, it is worth looking forward to for 10-year and 15-year periods.

According to the senior sister, Chinese Life has not launched a two-full insurance product called "peace of mind and worry-free", Ping An Life has a two-full insurance called "peace of mind and worry-free", and the senior sister will give you an evaluation and analysis of this product.

How about Ping An Life, what products are there, which ones are good, and what are the issues worthy of in-depth analysis?

Ping An Life is a legal and compliant insurance company, and the peace of mind insurance is a product launched by Ping An Life, so the peace of mind and peace of mind insurance is also reliable!

1.Enrollment Rules.

The insurance age is from 28 days old to 55 years old, and the maximum age is 55 years old. Compared to some of the insurance plans on the market that allow people with a maximum age of 60 or 65 years old, the age limit of this product is a little limited.

There are two options for the protection period and payment period of the peace of mind and the insurance policyholder, and the policyholder can choose the right one according to his actual situation, which is very free and flexible.

2.Coverage.

The Worry-Free Insurance provides two types of benefits, namely the Death Benefit and the Maturity Benefit.

It is worth noting that this product can be attached with early payment critical illness insurance! Whether or not to attach critical illness insurance has a certain impact on the calculation of death insurance and maturity survival insurance benefits, which you can learn more about through the protection chart.

In addition, the peace of mind and peace of mind insurance only provide death benefits, but not total disability insurance benefits, which is a relatively lacking point! It is important to know that total disability often brings a heavy burden to the family, and total disability protection is also more important.

About both insurance, the salesman will definitely not tell you!

In general, the performance of peace of mind and worry-free insurance is decent, whether it is worth buying, senior sister suggests that you can analyze according to your actual situation.

Finally, the senior sister also found the insurance strategy, friends who have the intention to buy insurance should not miss this article:

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

This insurance is very reliable, and now many people have bought it, and there have been no problems, and it has a good after-sales service.

This insurance is quite reliable, because some people have already purchased it, and they feel that the dividends are also very good, and the safety factor is relatively high, and everyone's willingness to buy is relatively strong.

This insurance is very reliable, it was launched by Chinese Life, which is a large company, very safe, with a large policy amount and a long life.

Worry-Free Life, Healthy 100% A Plan is a single payout for critical illness, and 3 times for minor illness will be paid separately % amount; Ping An Fu pays a single claim for critical illness, 3 claims for cancer, and 20% for 3 minor illnesses; There are different versions of China Life Blessing, and critical illness and mild illness are paid in a single or two payments.

Each product has its own characteristics, and it is necessary to fully understand your own needs before you can customize them.

The following figure shows the screening criteria for major diseases, which can be used for reference. It is best to consult a third-party insurer, and the position is objective and neutral, and there will be no misleading situation.

There is no saying that insurance is the most cost-effective, and all insurance products can be marketed only after being actuariated by an actuary and approved by the Insurance Regulatory Commission according to the data of the "Life Table" issued by the state. For the same type of product, as long as the coverage content is the same, there will be no difference in premium. If there is a difference, it is to ensure that the content is different.

The protection that is more than other types of insurance, or the protection that is less than other types of insurance, whether you need it or not, should be screened according to your needs and actual situation.

It's like buying clothes, 4 pieces of clothes with exactly the same material and similar style, this one with multiple patterns, that one with multiple pockets, and the difference between zippers and buttons, depending on what you want.

I'm safe and noncommittal about other companies' insurance. I can only tell you some of the advantages of Ping An Fu.

Ping An Fu's critical illness and mild critical illness are all optimized, and there is no such insurance as mad cow disease and Ebola. Critical illness looks at the incidence, and even if there are 200 critical illnesses with a low incidence, it is not as effective as the 30 with a high incidence. In addition, Ping An's mild critical illness can be claimed up to 3 times, and the basic sum assured of life insurance and critical illness will be automatically **20% for each mild critical illness claim, up to 3 times, even 60%**.

At present, this is the only type of insurance in China that claims for mild critical illness, and the amount of insurance for main insurance and critical illness will be the first. It is impossible for ordinary people to buy any insurance after suffering from a mild and serious illness, and they can't do it if they want to increase insurance. Ping An Fu can effectively solve this problem.

What are the advantages of other companies' insurance types, you can consult other companies.

All are very good: are all products that have been reviewed by the Insurance Regulatory Commission, first of all, congratulations on your good sense of insurance, now everyone is buying more and more critical illness insurance, but many companies, many products, many insurance people, make you dazzled, do not know which one to choose.

Secondly, when choosing critical illness insurance, you should see whether it contains mild illness, because mild illness has the following functions:

Premium waiver function, that is, if the customer unfortunately suffers from a mild illness, the subsequent premium will not be paid, and other critical illness benefits will still be valid.

Whether the mild symptoms include ten high-incidence mild diseases, carcinoma in situ, minor stroke, atypical myocardial infarction, mild burns, etc., if not included, they will be directly excluded.

Finally, insurance is not a critical illness insurance solution, please consult the relevant insurance service staff or private chat, I wish you and your family a perfect protection as soon as possible.