Ask a professional to recommend a suitable insurance

There is a rule to buy insurance, protect first and then manage money, adults before children, and the economic pillar is preferred.

According to the conditions you proposed, you should first understand the function of insurance, that is, what insurance can insure and how to solve the biggest problem for you.

There are many insurance products, which must be reasonably allocated in order to play the greatest role. This requires a professional salesman to give you advice.

Suggestions: 1. After the social security is done first, the basic medical care will be solved;

2. It is better to buy consumer protection insurance first, so that the amount of insurance can be very high, such as accident insurance, regular death insurance and critical illness insurance; When the economy is more relaxed, buy participating insurance. Because insurance dividends are secondary, dividends may not achieve your desired effect.

Hope the above is useful to you. (If you need a more detailed answer, please provide your age and family composition and current coverage.) ）

Hello I am the first person of Ping An Insurance in China, and I am happy to answer for you: your insurance awareness is very good, and the awareness of insurance is also in place.

Ping An's Xinsheng Whole Life Insurance is a good fit for your needs, with cheap premiums, high coverage, waiver and dividends. For details, please consult the insurance ** person around you... Hubei Xiaogan, China Ping An.

Ping An Xinsheng is quite suitable for you.

Generally speaking, if you are an insurance novice and want to buy insurance, it is recommended to buy critical illness insurance, accident insurance, medical insurance and term life insurance. Because the protection content of different types of insurance is different, if you want to get more comprehensive protection, you need to configure these types of insurance.

If you are still not very clear about the difference between these types of insurance, you can take a look at this article:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

If there is any insurance product worth recommending, then today Senior Sister has brought you a cost-effective critical illness insurance product, which is Darwin No. 6 Critical Illness Insurance under Guofu Life. What exactly is this product like? Without further ado, let's go to the product guarantee chart first:

As you can see from the above protection chart, the protection content of Darwin No. 6 Critical Illness Insurance is relatively complete, not only including 110 types of critical illness benefits, 25 types of moderate illness benefits and 50 types of minor illness benefits, but also adding specific critical illnesses, critical illness recovery funds, and the protection of the insured's minor and moderate illness exemptions.

In addition, consumers can also choose whether to add critical illness care funds, additional insurance benefits for severe malignant tumors, additional insurance benefits for specific cardiovascular and cerebrovascular diseases, and total disability insurance benefits according to their actual needs, which can be said to greatly improve the probability of consumers receiving compensation and give them a sense of security.

Due to the length of the article, if you want to know more about Darwin No. 6 Critical Illness Insurance, this article must not be missed:Darwin No. 6 Critical Illness Insurance: The King of New Value for Money? You should pay attention to these points before applying for insurance.

Although Darwin No. 6 has performed well in terms of insurance rules and insurance content, there is one thing we should still pay attention to, that is, the waiting period for this product is 180 days.

Those who have learned about insurance should know that if the insured is insured during the waiting period, the insurance company will not pay the insurance money (except for accidents). So from the consumer's point of view, the shorter the waiting period, the better. Of course, if you don't mind this aspect, you can still boldly rush forward.

Speaking of the waiting period, the following is a summary of a few knowledge points about the waiting period, interested partners can take a look:During the waiting period, the insurance company will not pay? If you don't understand, you'll suffer a big loss!

Hope!

To buy insurance, the senior sister recommends that the subject give priority to protection-type insurance, such as critical illness insurance, Italian socks brother insurance, life insurance, and medical insurance. The reason is that the most common risks in our lives are the risk of illness, accident and death, and the above types of insurance are enough to cover the common risks. Secondly, buying insurance should also follow the principle of protection first and then financial management, it is best to give priority to the protection of the type of insurance, if you have spare money, then consider financial insurance.

First of all, life insurance mainly protects the death or total disability, and solves the problem of the early death or total disability of the family's economic pillar to increase the financial burden on the family, so it is more suitable for the allocation of people who bear the economic pillar.

Secondly, accident insurance mainly covers death or disability, and some products will also cover accidental medical treatment. As the saying goes, there are unforeseen circumstances in the sky, and people have good and bad luck, and it is still very necessary to configure an accident insurance. If you want to know more about accident insurance, you can take a look at this article:

【Accident insurance】Whether to buy, how to buy, what are the types, comprehensive analysis of the relatives, comparative evaluation

Finally, both medical insurance and critical illness insurance cover illness. Medical insurance is a reimbursement system, which mainly reimburses reasonable medical expenses within the scope of the contract within the scope of the insurance amount above the deductible, so it can be used as a strong supplement to medical insurance.

Critical illness insurance mainly protects critical illnesses, which is a payment system, and if you are unfortunately diagnosed with a disease agreed in the contract and meet the corresponding claim standards, you can receive a sum of money to solve the problem of medical expenses and compensation for loss of income. Senior sister has compiled a list of cost-effective critical illness insurance, you may wish to refer to it:Top 10 Popular Critical Illness Insurance Points Worth Buying!

Hope!

I am the best person of Zhonghong Insurance, and your insurance awareness is very good, but I think you may have misunderstood both social security and commercial insurance - social security cannot be replaced by commercial insurance; Social security is the foundation, and commercial insurance is supplemented.

Personal personalized financial planning requires a very professional analysis to be arranged, and just recommending a few insurance products can not solve your problems well, but will bring you regrets.

If you are in Chengdu, I would be happy to work with you to make your life financial arrangements and assist you in your protection planning. Liu tao.

Ping An Zhiying is not good, the initial cost is too high, pay 4000, there are more than 1,000 points left, too black-hearted, and the future income is the moon in the water, the flower in the mirror, to put it high, in fact, there may be some traps.

Recommend the "Fulu Jinzun" of Chinese Shou

In response to the series of activities of the 2011 National Family Financial Management Year proposed in the National Twelfth Five-Year Plan Report, Chinese Life launched the first insurance of "Fumin" on January 1, 2011.

"Fulu Jinzun" is an "all-round" insurance product that integrates "children's education", "old-age security", "financial planning" and "multiple protection", which can allow you to have a financial and intelligent life and easily enjoy the rich benefits of the world's top 500 companies.

Payment period: 3 years to pay (take out 10%-20% of the annual income) 12,000 yuan a year premium, the basic insurance amount is 10,000 yuan. If it's too low, you can double it (anyway, it's three years to pay, don't worry about the pressure).

"Fulu Jinzun" has the following characteristics:

1."Return after repayment" means that you receive 15% of the basic sum insured every three years before the birthday pension is received, and you still have a survival pension every year after the completion of the agreed life pension at the age of 60 (the birthday pension is equal to all the premiums paid). Bonus Payment. Receipt of the guarantee.

2. Before receiving the longevity pension, you will receive the survival allowance once every 3 years, and after the longevity pension is received, you can continue to receive the survival pension every year for life.

3. "Strong resistance to inflation" dividends and survival funds can be accumulated to earn interest, which can help you resist inflation strongly.

4. "Wide coverage": This product has a high death benefit. In the event of death due to illness, the death benefit will be paid at the rate (2 times of the basic sum assured + all premiums paid), and in the case of accidental death, the death benefit will be paid at the rate (5 times of the basic sum assured + all premiums paid).

5. "Short payment period" only needs to pay for three years, and you can enjoy lifelong income.

6. "Flexible Realization Method": The policy can borrow up to 80% of the cash value of the policy to achieve secondary investment.

We have known each other for many years, and it is worth entrusting (Chinese life).

If you want accident + critical illness + life insurance, it is a good combination, and some products also have dividends, but the protection of critical illness and life insurance of participating products is not high. If the budget is about 2,500 a year, it won't be much in a year. Personally, I think:

Whole life insurance aggravated illness protection + personal accident and hospitalization medical treatment is a comprehensive insurance, and it will not be expensive. Ping An Insurance of China is a nationwide compensation company, you can go to learn about one.

Hello! First, improve the new rural cooperative insurance for the whole family. and the basic pension in rural areas in the future.

The state is investing more and more in medical care and pension that are related to people's livelihood, and do not give up this benefit. Your insurance is mainly protection-based: accident insurance, critical illness insurance, medical recommendation China Life's health insurance, your premium can get about 90,000 yuan of critical illness and accident protection for life.

Reference: Five points to pay attention to when buying health insurance products Insurance that does not cost money - Corning Term Critical Illness Insurance.

Hello: Your insurance awareness is good! Pension is a lot of expenses, the sooner the better, with the growth of age, critical illness protection and medical reimbursement is also necessary, it is recommended that Ping An outsmart life universal insurance, comprehensive protection, high protection for critical illness, accidental medical reimbursement can be made, flexible payment, economic tension can be partially withdrawn, you can refer to the case Reference:

Outsmart the universal insurance combination to make you worry-free for a lifetime Yuan per day, so that Mr. Liu has no worries for a lifetime Pension planning should be sooner rather than later.

Hello, it's a pleasure to serve you. I'm Zhang Yujiao from Huainan. The order of choosing insurance should be accident insurance, medical insurance, critical illness, education fund, and investment and wealth management insurance.

It is best to control the premium at 15%-20% of the annual income. The coverage amount is 5-10 times your annual income. It is also important to choose a person with a strong sense of responsibility and a strong insurance company.

Your sense of insurance is very good, and it is the time when people reach middle age. The responsibilities are heavier. It is recommended to focus on serious illness protection, and increase pension reserves after the economic conditions are stable in the future.

You are not only responsible for yourself, but also for your parents and your children. As long as you are safe and healthy, it is their greatest protection. If you really want to buy it, you can contact me and let me know your gender.

Age. Income and expenditure, whether there is social security and other detailed information, so that I can make a specific family protection plan suitable for you. Welcome your inquiry.

Would love to recommend you, but don't know your age? Gender? Need protection?

Financial means? According to a 30-year-old man, who pays 3133 yuan a year, he can get the following protection plan, for your reference only: death of illness or total disability insurance benefit:

100,000 yuan; Accidental death or total disability insurance benefit: 150,000 yuan; Critical illness insurance: 50,000 yuan; Hospitalization Allowance:

50 yuan per day, up to 9000 yuan; The maximum annual inpatient medical fee is 10,000 yuan, and the bed fee is 600 yuan per month; The maximum outpatient fee before and after hospitalization is 300 yuan; Medical expenses for outpatient and inpatient accidents are up to $4,500. At the age of 70, you can also receive a pension of nearly 100,000 yuan.

Hello, friends, such a product is a financial management plus protection product, you can have value-added medical insurance every day, it is recommended to consult in detail.

Hello, I believe that there are many insurance products suitable for you, but your information is too small, and others can be communicated offline. Peace be upon you! Reference: Family Protection Plan (Safe Lives).

Hello! It's good that you have a sense of insurance, but from your point of view, I am responsible for you and recommend a product plan that suits you, but the details are incomplete and you can't provide a specific plan, you can communicate specifically!

Hello, it is recommended to set up a savings insurance package that focuses on accidents, hospitalizations and critical illnesses. Among them, the design of the sum insured is very important. Reference:

Household income distribution chart for the average person Why do people buy insurance? A few hundred yuan of accident and hospitalization medical insurance a year, Ping An Family outwits life, critical illness medical and pension insurance.

Dear Customer: Hello! You're very insurance conscious!

I'm glad to answer for you, insurance is all about protection. There is no good or bad, what matters is what kind of insurance plan can really achieve your goals and meet your own needs. As a middle-aged person, social security is the foundation, and commercial insurance is the most beneficial supplement to social security.

First of all, it is necessary to improve the basic social security system, secondly, pay attention to the protection of accidents, strengthen the care of serious diseases, and should also supplement the lack of medical treatment as much as possible to solve the needs of difficult and expensive medical treatment. I hope it will be helpful to you, the following information is for reference only. Reference:

What is the real meaning of insurance Who should buy insurance? Caring for Life Insurance Proposal A health care portfolio plan for young white-collar workers.

Hello! The design of your insurance is simple, but there are a few questions for you. 1：

First, how old are you and how old are you in middle age? 2: What is your income and how much can you afford to pay each year?

3: What is the amount of insurance you hope to have, and under what circumstances do you want to receive the insurance money? Because each insurance has a clear insurance coverage, it is impossible to get a claim beyond the insurance coverage.