What is the difference between Ping An Shengshi Jinyue (Premium) and New China Life Rongyao Xinxiang?
Both Ping An Shengshi Jinyue (Premium) and New China Life Rongyao Xinxiang are 储蓄险 products. Use the comparison table on this page to see side-by-side differences in company, region, currency, premium term, coverage, illustrated IRR, and policy features.
FAQ
- Which is better, Ping An Shengshi Jinyue (Premium) or New China Life Rongyao Xinxiang?
- Neither product is universally better. Compare by region, currency, premium term, coverage breadth, and illustrated IRR to find the one that matches your needs.
- Are the comparison figures guaranteed?
- Comparison data is extracted from official brochures and updated whenever the underlying product vector is updated. Non-guaranteed portions (such as illustrated IRR for participating policies) depend on the insurer's performance.
- Where can I read the official brochures?
- Both official PDF brochures are linked on this page. Always confirm terms with the official documents before deciding.
Methodology
Structured data: ProductVector v2.11 (registry id compare-field-registry-v2.11.json).
Ping An Shengshi Jinyue (Premium) vs New China Life Rongyao Xinxiang
储蓄险
Compare 平安盛世金越（尊享版）终身寿险 and New China Life Rongyao Xinxiang (荣耀鑫享庆典版) across returns, features, and benefits.
共 8 行 · 3 个分组
基础信息
| 字段 | Ping An Shengshi Jinyue (Premium) | New China Life Rongyao Xinxiang |
|---|---|---|
| 保障年期相同 | 终身 | 终身 |
| 缴费期 | 2年 / 3年 / 10年 | 3年 / 5年 / 10年 |
| 投保年龄 | 投保年龄按计划版本、缴费期及条款规定而定。 | 投保年龄按计划版本、缴费期及条款规定而定；最低年龄要求包括出生满30日。 |
| 保单货币相同 | CNY | CNY |
现金价值/分红
| 字段 | Ping An Shengshi Jinyue (Premium) | New China Life Rongyao Xinxiang |
|---|---|---|
| 是否有保证现金价值相同 | 是 | 是 |
| 是否有非保证红利/分红相同 | 是 | 是 |
流动性
| 字段 | Ping An Shengshi Jinyue (Premium) | New China Life Rongyao Xinxiang |
|---|---|---|
| 保单贷款相同 | 可按条款申请保单贷款，贷款会影响保单价值。 | 可按条款申请保单贷款，贷款会影响保单价值。 |
| 部分提取/减保 | 暂无数据 | 可按条款部分提取或减保，提取会影响保单价值。 |
产品特色对比
摘要补充 · 来自产品结构化特征
Ping An Shengshi Jinyue (Premium)
- 现金价值与分红 · 提供保证现金价值，适合长期保障配置。
- 保单贷款 · 可按规则申请保单贷款，补充现金流。
- 终身寿险保障 · 以终身寿险为基础，兼顾保障和传承。
New China Life Rongyao Xinxiang
- 现金价值与分红 · 提供保证现金价值，适合长期保障配置。
- 灵活资金安排 · 支持贷款或提取，便于中途资金周转。
- 终身寿险保障 · 以终身寿险为基础，兼顾保障和传承。
- 缴费期选择 · 支持3年 / 5年 / 10年等缴费方式，便于预算安排。
储蓄险 · 共 8 个对比字段
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