The difference between them is: 1, the ideal life has the function of death protection; Juansheng is a deposit, there is no death insurance, and the insured amount is only used to calculate the premium; 2. In terms of profitability, because the ideal life needs to be guaranteed, the income is lower than that of Sheng Jun; 3. There are many payment years for ideal life, such as 5 years, 10 years, 15 years, 20 years, 30 years, etc. , and there is a lot of choice; There are only three kinds of promotion: 5 years, 10 years, wholesale. If it is for children, consider a little longer, and the ideal life is still good; 4. There are different collection methods. Juansheng's plan can choose to receive bonus+cash value, while the ideal life can only choose to receive bonus, and the cash value cannot be extracted. Therefore, it depends on the arrangement of your money again, and your promotion is more flexible. The general difference is these four points, which is more suitable for you, and you need to know more about your own needs before you can choose. For more information, Baidu: Health Insurance-Hong Kong Insurance.
If you consider giving your child a little life insurance, it is better to choose an ideal life; If it's just to save more money for children, you'd better publicize it yourself. Of course, I don't think children need much life insurance. It should be necessary to configure some critical illness insurance. The suggestion is: increase savings+care about your serious illness.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.