Do I need to buy an insurance policy for reference?

To be honest, it is a bit late to consider retirement at the age of 40. Insurance is not a panacea. I can't guarantee whether it will be able to solve your pension problem, it depends on how much money you save in your account every year. Solving the problem of disease is not much. Personally, I recommend two options.

First, if you pay attention to illness, you can use Ping An's universal insurance, which is the cheapest product under the same conditions of protection and premium. Start with a minimum standard of 4,000 yuan and guarantee 200,000 yuan. However, it is necessary to add additional insurance (worry-free accidents are brought and can be ticked), such as hospitalization allowance and health enjoyment, so that the protection in terms of illness and accident is complete.

Although there is a risk, I believe that after 20 years, 100,000 yuan will become 500,000, provided that you buy high-performance stocks, such as 600000, 601318, 600519, etc., which is to let you invest in the long term and not speculate.

The other is to save 10,000 or more annually, so that the security and pension are the best, otherwise it is recommended to only use universal medical security, and most of the rest of the money is invested in the first place.

Personal advice.

Hello, it is recommended that you consider a safe Zhiying life, with an insurance amount of 150,000 yuan, and you can take out all of it when you are 65 years old, and your pension is more than 160,000 yuan. Among them, there are 150,000 yuan of serious illness protection, 100,000 yuan of accidental injury, and 10,000 yuan of accidental medical treatment. If you want to be hospitalized, you can add more than 500 to be reimbursed, and the details can be discussed on QQ.

Happy New Year!

Consider affordable Ping An Xinsheng Insurance, with additional critical illness and hospitalization. Three thousand a year can be solved.

It's up to you how you feel.

Each company's pension insurance needs to be approved by the Insurance Regulatory Commission before it can be sold.

So it's all pretty much the same. See for yourself if you think the company is credible? Can the person who sells your insurance be trusted?

This is important. Find a good ** person; You can save a lot of things.

Happy New Year to you as well. Safe.!

The auspicious star shines high, the supreme omnipotence.

I think yes, my colleague also has this situation, something happened after buying insurance, but he didn't reimburse him, because there was no insurance clause and it was not within the scope of insurance, so you must look at the terms when you buy insurance.

Nowadays, everyone buys insurance, but you can't just buy insurance, there are many things you need to pay attention to. So, what are the precautions for buying insurance?

First, the terms of the insurance should be clear and clear.

When many people buy insurance products, because the terms of insurance products are usually relatively long, they do not read them carefully, and they may not even understand what the terms are saying before applying for insurance, which is not feasible.

Therefore, the terms of the insurance must be clarified, because this is related to the future settlement of claims, and it is also the core of the insurance product. Whether it is benefits, protection, or exclusions, they will be listed in detail in the terms. If you don't understand it, it's best to find a professional to explain it when you apply for insurance.

2. The insurance company should tell the truth when inquiring about the situation.

The Insurance Law of the People's Republic of China clearly stipulates that when the insurer and the insurer sign an insurance contract, the insurer must truthfully inform the policyholder when asking the policyholder about the subject matter of the insurance or the relevant information of the insured. This is an obligation that the policyholder must fulfill, if the policyholder deliberately does not tell the truth, or because of some gross negligence and does not tell the truth, it may affect the insurer's decision on whether to underwrite and the amount of the insurance rate, so the insurer has the right to terminate the contract.

Therefore, when we buy insurance products, we must not think that it is okay not to tell the truth, especially those who suffer from diseases, we must tell the truth, so as to avoid future troubles.

If the individual's financial situation allows, you can buy one, I will buy one, and if you have insurance, at least you will be protected, I think so.

When it comes to insurance purchases, there are actually corresponding purchase steps. Generally speaking, the type of insurance is to choose by yourself, and if you lack such insurance, you can buy this kind of insurance, which is undoubted. However, if you want to buy insurance in the right order, you must follow the steps below.

First, first of all, you must determine which type of insurance you buy, you just need to know which company you buy insurance, for example, there are Pacific insurance, life insurance, Ping An insurance, financial insurance, property insurance, etc., there are many types of these insurance, so according to your own choice. It is best to buy the insurance you want, and the more insurance brands, the greater the choice, and the purchase order and process of each insurance are also different.

Second, then after choosing the insurance you have purchased, the first thing is to enter the official website of the insurance, after entering the official website to check, whether you can directly purchase insurance on the official website, if you can, then enter your corresponding information on the official website, and then the reverse side of the personal ID card ** and other information, because it is necessary to fill in this information when buying insurance online, mainly to ensure that it is my own insurance purchase, and with the development of science and technology and the information coverage rate can be seen, Nowadays, insurance is basically purchased online, and of course, it can also be purchased offline.

Third, when it comes to the offline insurance purchase method, the first thing is to apply for the insurance company you purchased, get an insurance application form, fill it out and bring your personal ID card and a copy, and fill in the information of the insurance application form, hand it over to the corresponding insurance company, and the insurance company will review and review. However, you must pay attention to choosing some formal and reliable offline insurance companies, because the claims service of these insurance companies is much better.

The correct step is to apply for the first step, the second step is to explain the situation to the staff, the third step is to select the product, the fourth step is to submit the information, and the fifth step is to accept the application.

First of all, you should know about various insurances, or you can check the relevant content on the Internet, and then go to the insurance company for consultation, and have a certain understanding of insurance through the introduction of the insurance company's salesman, and then buy insurance according to your actual situation and sign an insurance contract.

The first thing is to find a strong insurance company, and then you also need to choose a more cost-effective insurance company according to the type of insurance you want to buy.

Xueba talks about insurance, focusing on insurance evaluation! All we lack is the determination to buy insurance. You're still thinking about how to buy insurance, learn about this:Comparison table of 136 popular hot-selling insurance products in China

The three points we look at when buying insurance are the company, the type of insurance, and the product, as follows:

1. What is the choice of insurance company? The right way for insurance companies to rank open:The top ten insurance companies of the year are released, is your favorite insurance company on the list?

Judging the quality of insurance companies starts from these three aspects: premium income, claim settlement ability, and service rating. Popular insurance companies tend to earn significant premiums; The solvency of insurance companies is often the most important part of consumers' purchases; The service level recognition of insurance companies given by authoritative institutions is one of the three major standards.

According to these three criteria, you will definitely find the right insurance company.

2. What is the type of insurance? 3. What are the options for insurance products? Insurance products should always be shop around, don't blindly insure.

You can't compare and buy according to your own actual situation. Remember that there is no such thing as the best insurance product, only the right one for you.

You only need to say the region, the configuration of insurance is calculated according to the needs of the individual, including what kind of insurance, how much insurance, and how much premium, should not be said very clearly on the Internet, I never discuss the problem of products with customers on the Internet, because there is no good or bad insurance products, only suitable and unsuitable, so you should configure your insurance products according to the needs of your family calculated by demand analysis, and many companies of insurance products are mostly similar, There are nuances, the credibility of the key company, the conscience of the salesman, and the soundness of the company, and you wouldn't trust a company that has problems with an insurance company in the 20 years you paid for it, would you? I'm from Beijing, and I hope I can help you.

First, next time, don't say which unit you belong to, pay attention to protect your privacy.

Second, buying insurance is the most important thing to find the right person, whether the person is professional or not, determines the quality of the insurance product you buy. And the product itself is not good or bad.

Third, in your case, it's not just insurance, but a holistic financial planning and needs analysis. When it comes to your basic situation, there is no need to talk about it, so the financial planning will not be completely and will even lead to a redesign, and the needs analysis I am talking about is your **** and value investment in that area, as well as education and training plan expenditures in that area, and whether there is borrowing, loans and other debt analysis, etc.

Fourth, if there is no analysis of this piece, purely from the perspective of insurance, it is recommended to give you and your wife a comprehensive protection of life, critical illness, accident and medical combination insurance.

Fifth, for the child is already 10 years old, should go to the fourth or fifth grade, should pay close attention to the purchase of growth education** this kind of participating insurance as a financial needs, plus accidents, if the family has no genetic diseases, at the same time, the child has a physical examination, usually in good health, you can not have a major disease, because the child reaches puberty, the physical development can be rapid can inhibit the possibility of various diseases, but the physical examination must be fine, otherwise puberty development will also develop potential diseases. If it is determined that none of these possibilities can be waived for critical illness and the investment can be reduced.

Sixth, after the main stress-bearers and incomes of the family and the main labor of the family are purchased, they can choose to purchase commercial dividend insurance for the elderly who do not have insurance, but generally have to have a physical examination, and a small amount can be purchased ** ** to deal with it if the physical examination is not passed.

Seventh, after deducting the fixed income 2000 1000 6000 3000, you still have an income of 18000, in fact, it is still quite tight. If it is completely given to you, it is also a choice, after all, you are the main income**, followed by children, and children are future wealth. To put it mildly, the old man and his own woman One will leave sooner or later, and the other is not related by blood, and it is still unstable in the end.

Eighth, I wish the elderly good health, I wish the children, I wish my children progress in learning, I wish the husband and wife a healthy life, a happy family, and a happy new year.