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The difference between property insurance and life insurance
Hello! We know that the main types of insurance include property insurance and personal insurance. Life insurance is a type of personal insurance. The difference between property insurance and life insurance mainly lies in the insurance subject matter, insurance period, insurance amount and compensation method.
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Based on their differences, let’s expand on them:
1. Different insurance subjects:
Life insurance takes the life span of the insured as the insurance subject matter ; Property insurance takes property and its related interests as the subject matter of insurance.
2. Different insurance periods:
Life insurance mainly provides death protection, so the insurance period is very long, either for life or until the insured reaches the agreed age, such as Say 60 years old, 70 years old, 80 years old, etc. The insurance period of property insurance is usually relatively short, usually one year or less.
3. The insurance amount is different:
The insurance amount of property insurance generally cannot exceed the insured value, and the insurance amount is usually determined based on the actual value of the insured subject; while life insurance is based on the person’s Life span is the subject of insurance, and at the same time, human life span cannot be measured with money, so the insurance amount of life insurance is often determined by the policy holder himself.
4. Compensation methods are different:
Life insurance generally pays according to the insurance money stipulated in the contract; while property insurance, in addition to fixed compensation, can also adopt the method of payment according to the income. Compensation for loss of property value.
We know that the main types of insurance include property insurance and personal insurance. For us, the priority to buy should be personal insurance, mainly critical illness insurance, accident insurance, medical insurance and life insurance.
For adults, we recommend all four major types of insurance.
As for the specific combination, we need to consider according to different groups of people and different budgets to find the most suitable protection plan for ourselves.
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