Year after year, compared with the life-long increase of good postal insurance in whole life insurance and the life-long increase of C in whole life insurance, which one is more recommended to buy?

Two whole life insurance products of China Post Life Insurance, Good Post Life C and Good Post Life, have always been popular in the market. Are these two products well protected? Is it worth starting with? Senior, let's compare and evaluate it!

First, good postal insurance every year for a lifetime C VS good postal insurance every year for a lifetime.

Before the popularization of science, the product comparison chart of annual good postal service life C and annual good postal service life C is presented:

In other words, you can understand that there are many similarities between the two products, namely, good year postal insurance for life C and good year postal insurance for life C, but there will be differences in versions. So, what's the difference between these two different versions of Good Postal Insurance in whole life insurance? Let me give you a point-by-point analysis.

1. security content

On the content of protection, there is still a little difference between the period of good postal insurance C and the period of good postal insurance C. The difference is that good postal insurance life insurance not only provides consumers with death/total disability protection, but also includes public transportation accident death and total disability protection.

If the situation meets the conditions of public transport accident death and total disability insurance, the insurance company will pay compensation according to the sum of three times the premium paid+death or total disability insurance.

It can be seen that Nianshan postal insurance life insurance is really much better than Nianshan postal insurance life insurance C, which only provides death or total disability protection.

Seeing this, I want to know if there are any other highlights of the C type. After reading this article, I will know:

"What do you think of China Post's annual good postal insurance life insurance C in 2022? After reading these points! 》

2. Insurance conditions

As can be seen from the above protection chart, the insurance conditions of Nianhao Postal Insurance Life Insurance C and Nianhao Postal Insurance Life Insurance C are basically similar, but there are some differences in the payment period.

Every year, Good Mail Life C supports three-year delivery and five-year delivery, but every year, Good Mail Life provides a variety of options, including wholesale delivery, three-year delivery, five-year delivery, 10 delivery and 20-year delivery.

Compared with the two, the year-round good post not only provides consumers with a variety of payment periods to choose from, but also provides the option of wholesale payment. It can be seen that during the payment period, good postal insurance every year can give our policyholders more choices and cover the insurance needs of different insured groups.

And it is a good choice for those small partners who have sufficient budget and don't want to be so troublesome; Because it is assumed that the mode of wholesale payment is chosen, all premiums can be paid directly, and there will be no case of forgetting to pay premiums in the future.

3. Increase the proportion of insurance amount.

In addition to the above two differences, Senior Sister carefully studied these two different versions of whole life insurance products, and found that there is something missing, specifically, the insurance coverage ratio is getting higher and higher.

According to the terms of "Good Post for Life" every year, we can know that this product is an increased whole life insurance. From the second policy year, the coverage ratio is 3.5%, and the corresponding cash value of the policy is also increasing year by year.

Let's take a look at the annual increase of life-long C's insurance coverage, which is only 3.3%, while the annual increase of life-long C's insurance coverage is 3.5%. In contrast, it can be seen that the annual increase in the amount of life-long C insurance is even worse.

For the increase of whole life insurance, if you are interested in small partners, you may wish to take a look at this article:

"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》

Second, the senior sister suggested

After reading the contents mentioned in the above article, it is estimated that everyone has a general understanding of the two full life insurance products, Nianhao Postal Insurance Lifetime C and Nianhao Postal Insurance Lifetime C, so which of these two products is everyone's "dish" depends on everyone's insurance needs.

No matter which one you choose, the most important thing is that the product suits you.

If you want to know more about other products, take a look at this list, which is full of cost-effective whole life insurance:

"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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