1. From the perspective of guarantee period: the guarantee period of consumer insurance is generally short and the guarantee is unstable; The guarantee period of return insurance is usually longer and the guarantee is more stable;
2. From the perspective of premium: the premium of consumer insurance is relatively low; The premium of return insurance is higher;
3. From the perspective of insurance liability: the protection content of consumer insurance is relatively simple, and it does not provide return responsibility; Return insurance is generally a combination of protection and income;
4. From the perspective of protection: although consumer insurance has no responsibility to return, the insured amount is relatively high; Return insurance is relatively low because it takes into account the income guarantee;
5. From the perspective of saving: consumer insurance has no saving responsibility, and the cash value is relatively low, which will generally return to zero in the later period; Return insurance has the function of compulsory savings, and the cash value is relatively high;
6. From the perspective of return: Consumer insurance has no responsibility for return, and the guarantee expires. No matter whether the insured is in danger or not, the insurance company will not return it; Return insurance has the responsibility of returning goods. As long as the insured lives safely to the agreed guarantee period or age, the insurance company can return it. However, if the insured has an accident during the guarantee period, the insurance company will generally not return it;
7. From the perspective of leverage: consumer insurance premiums are cheap and high, and low premiums can incite high security and high leverage; Refund of insurance premium is more expensive and the leverage is not very high;
8. From the perspective of death liability: most consumer insurance does not protect death, and the premium will increase after joining the death liability; Return insurance mostly provides death protection;
9. From the perspective of security demand: if the premium budget is insufficient, then you can consider taking out consumer insurance; If the premium budget is sufficient, and you pay attention to the responsibility of return, and you want to prepare education funds and pensions, you can consider taking out return insurance.