The difference between life insurance and accident insurance

Life insurance and accident insurance are two different types of insurance, generally speaking, the difference in the following aspects is relatively large: 1, death protection: accident insurance is only responsible for injuries caused by accidents, while life insurance is responsible for accidental death, death from disease; 2, rates: accident insurance rates and the insured's occupation is closely related to the rate of life insurance rates are not related to the occupation of life insurance rates are not related to the size of the age It is proportional to the age. 3, insurance period: accident insurance is generally a consumer product, one-year insurance, no cash value; while life insurance protection is generally long-term (protection for 20 years, 30 years, etc.), many products have a savings function, the policy has a cash value; 4, the form of underwriting: the underwriting of the accident insurance is very little age, contracting is not much attention to the state of health, the insurance company to give the health of the questionnaire is not complex; And life insurance coverage in the insurance health notification link is more strict, if the insurance company is not practicing health notification of the insurance company is likely to use this as a reason for refusing to pay, so this is the configuration of the life insurance to be taken seriously, truthfully informed.