1, product positioning: Xiangzhen heirloom is a whole life insurance product that focuses on family savings and security, and mainly emphasizes family inheritance and wealth transmission. Le Ying Life Insurance is a whole life insurance product focusing on retirement financing, which mainly emphasizes retirement reserve and old-age security.
2. Insurance liability: Zhenheirloom mainly protects customers' personal risks and investment risks, provides various insurance liabilities such as death, total disability and high disability, and invests premiums in assets such as stocks, bonds and money markets to realize long-term and stable asset appreciation. Le Ying mainly protects customers' personal risks and retirement risks all his life, provides various insurance liabilities such as death, total disability and high disability, and provides investment returns such as income protection and dividends, aiming at realizing long-term income and retirement reserves.
3. Payment method: the payment method of Zhenzhen heirloom is flexible, and the customer can choose one-time payment or installment payment, and the payment period can be selected according to the customer's needs. Le Ying needs customers to choose regular payment for life, and the payment period is generally 10 or 20 years.
4. Insurance period: the insurance period of Xiangzhen heirloom is life, and the guarantee period is as long as 100 years old. Customers can enjoy lifetime guarantee. Life insurance in Le Ying is also life-long, but the guarantee period is generally 80 years old, and customers can choose to renew it.