(the rest are too minor and too complicated to be worth comparing but you can focus on certain things that you value, example, if you play lots of sports, maybe physio treatment appeal to you (if kena sports injury) than someone like me who does not exercise a muscle)
i would say, be cautious what you read from those websites. I noticed the articles generally not very well written on insurance.

Quite well written actually.

Which part would you think is a hack job ?

i took 10 minutes to read the article you shared and also part 2.

Part 1, considering the complexity of it, i would say a good attempt to talk about such technical topics in this manner. of course i think can be improved, but not too bad la.

the article is right about this being applicable to all policies. but i think if you bring a non-investment-linked product and ask the agent how much is the COI, agent can't tell you, because it's not shown anywhere in the sales material. Not agent's fault. In fact only a selective group of people will know the amount in the insurance company.

Because in Part 2 of the article, they "draw" out the COI for the first few graph. Kesian agent if customer really ask.