My husband and I are both working class and want to buy commercial insurance, please advise!

Both fathers buy financial pension + critical illness (women buy women's illness insurance), which is currently something that needs to be considered!

Handle critical illness + accident medical treatment for children!

Your family has a lot of spare money to manage money, it is recommended that you buy some insurance with savings function for your children (in the form of returning education ** when due), and buy insurance for two middle-aged people (with dividends, investment links and other functions).

Specifically, you can consult a trustworthy insurance ** person (you give a knowing score of 0...) Too little)

Hello! According to your family situation, your family already has basic protection, you can buy some social security supplementary insurance, such as: accidents and critical illness, Ping An can also be converted into pension products, you can understand Ping An's smart life universal products, insurance accidents and critical illnesses Ping An can be converted into a pension, and your baby, 12 years old, is too late to buy traditional education**, because there are still 8 years to go to college, and there is too little time to make money for insurance companies, Have applied for national medical insurance, and then buy medical insurance supplemented by national medical insurance, because I don't know the age of your husband and wife, I will upload some information to you to understand first, there is an exact age can be modified, detailed QQ or ** contact!

Hello! According to the information you provide, the monthly income is 7,000 yuan, the monthly expenditure is 4,000 yuan, and the remaining 3,000 yuan per month, plus the year-end bonus of 10,000 yuan, saving about 10,000 yuan per year! Your annual household income is close to 100,000!

It is better to control the annual premium within 20% of the annual income! The child is 12 years old, and the age of the couple is about 40 years old! The principle of buying insurance is to put adults before children, and protect first and then manage money!

It is recommended that the husband and wife increase the protection of accident insurance and critical illness insurance, and buy pure protection for critical illness insurance, such as China Life's Corning Life, with low premiums and higher protection; Children should have school insurance at school, and there is also resident medical insurance, so it would be nice to add some extra serious illness protection! If you have the remaining funds, you can consider purchasing financial products in the name of your children for your own retirement, children's wedding funds, etc., you can do it! Reference:

Original] 38-year-old successful men's health pension rules.

Hello: It is good for you to have social security, but social security is far from enough for a family, there must be commercial insurance to supplement, the child is 12 years old, and education savings can not be talked about, you can buy a family photo card first, it is 200 yuan. The second is that the husband and wife supplement the medical treatment and critical illness, a lifetime critical illness is more expensive to buy, you can add a critical illness insurance to the main insurance, and the main insurance can supplement your pension later.

It depends on your own choice, so I will give you two cases to see, make a reference, and then consider it yourself, I hope I can help you. Reference: Auspicious Supreme Health Insurance Plan Health Care Plan Don't worry about cancer.

Dear customers, Hello! It's an honor to serve you! I am Zhang Zhen from Beijing, and 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 insurance awareness is very good, and the basic protection is indispensable for ordinary working families. It is advisable to consider a combination of accident, medical and critical illness. Our company's "Golden Life" is very suitable for your needs.

Covers 35 types of critical illnesses, including protection when you are young and convertible pension when you retire. Accident, critical illness, pension 3 into 1If you are sick, you will be protected from illness, and you will be able to retire if you are not sick.

The sum insured and the critical illness sum insured are both increasing, and "the truth is seen in the place of crisis"!You can click on my avatar to contact me, or you can contact me, or you can consult with me. You can also click on my blog **** introduction.

Hello, you must choose a suitable plan for yourself when choosing insurance, it is recommended that the protection must be comprehensive, and you may wish to compare it with a few more insurance companies, of course, whether the service of the salesman is in place is the most critical. Protection must be for life, critical illness, accidental injury, and hospitalization medical reimbursement, and I have a plan here that is very suitable for you. If necessary, please refer to my case or contact me directly.

I wish you peace in your life. Reference: 500 per month to solve accident + critical illness + children's comprehensive umbrella (protection + income) injection.

Hello, congratulations on your insurance awareness: 1. I calculated that what you need is accident insurance of 260,000 yuan and accidental medical treatment of 10,000 yuan per year. Haha, it just so happens that I have free accident insurance here.

Take a look at my Kim Taifu profile, you have all the protection. 2. Insurance is also a financial management tool, so that your money can be maintained and increased, resist inflation, and have a large amount of money for emergency or pension in the future. I just have a rich house here that will be discontinued on February 25th, and one copy can solve your problem, and you will have no worries for life.

Hello: social security can not meet the protection needs of the family, with commercial insurance can be improved, social security health care according to the work unit, payment years, etc., the reimbursement ratio is also different, the reimbursement ratio is different, adults suggest to improve the accident and health protection, children can improve the accident protection, health security and education security, family security planning needs to be planned according to the actual situation, if there is a need qq or ** to get a complete protection plan, I wish the new year good health, smooth career, family and beauty.

Hello! Glad to serve you! Both of them have relatively stable jobs, it is recommended to buy Xintai "Hengtai Critical Illness" insurance with dividends, this insurance has the function of disease prevention and disease-free pension, and the child buys a regular return, and pays 3 times the dividend insurance when due, so that the child has money to use in the middle of school, and there is money to take when working, and there are several times the pension at the end of the term.

Hello: According to your family situation, I initially learned that your husband and wife have medical insurance, unemployment insurance, pension insurance and other social security, and your son only has domestic medical insurance.

The sum insured of the two couples should be relatively larger, so as to play the function of insurance. The son has to consider accidents, critical illnesses, pensions, and financial benefits. It's a pleasure to be there for you!

Hello friends, you belong to the family growth period, children can choose accidental injury medical and hospitalization expenses protection, you now need protection plus financial insurance, the basic protection of your husband and wife is still very comprehensive, you can choose the value of protection, critical illness protection, accident medical protection, it is recommended to choose Ping An outsmart universal insurance additional premium, money management is the center, money is the key, saving money is the starting point, money protection is protection, I hope to help you.

Hello! In view of the characteristics of a family of three during this period, Taikang has a family protection plan suitable for the whole family. As long as one person is insured by the main insurance, the other family members can be insured with a more protective add-on and get a high amount of protection.

The ratio of the insured amount to the premium should give priority to the insurance protection for the breadwinner of the family. In addition, during this period, family facilities are becoming more and more complete, so you may wish to take out a home contents insurance every year.

You and your husband both have excellent medical conditions, and the children also have medical insurance, so the expense reimbursement insurance for a family of three does not need to be considered. However, medical expenses other than social security reimbursement, especially those for critical illnesses, are extremely high, and income can be interrupted or reduced, so it is necessary to purchase critical illness insurance to cover the loss of income. In addition, it is also a good choice to supplement some pension and children's education insurance.

Hello, first of all, the family's accident insurance and major insurance should be perfected. The pension insurance of social security is not enough, and it is necessary to supplement some commercial insurance in order to make yourself and your family enjoy their old age without worry. If you have improved the above protection, you can choose a wealth management product with investment dividends, I don't know if you are interested in dividend insurance with pension, financial management and protection functions.

Hello! Insurance can't be purchased blindly, first of all, what is your insurance goal? Is it to solve a critical illness?

Health supplements? Or is it a pension supplement? Or do you want your child to supplement your child's health care?

Rich and ?.. for lifeTherefore, I hope you can supplement your needs for business insurance, and then develop a detailed insurance plan according to your insurance needs and various aspects.

Hello! Welcome to Kwai Net, according to the information you provide, it can be seen that your basic protection is also relatively comprehensive, and then you have taken into account the use of commercial insurance as a supplement, The three major risks of life: accidents, diseases and pensions, the most difficult to predict and control is accidents and diseases, and the protection significance of insurance is largely reflected in these two types of insurance.

Buying commercial insurance should be considered from the following points: First, adults first, then children. Parents are the greatest guarantee for children, parents all over the world have the same heart, and everyone wants to provide some good living conditions for their children.

But only insurance, parents themselves insure more, and the insurance is sufficient, is the embodiment of love for children. Parents don't have insurance, and children can't be covered. Only buying insurance for children is the biggest misunderstanding of Chinese families.

Second, protect first, then manage money. Scientific insurance planning should start with accident and health insurance, and then consider other types of insurance with these most basic protections. Third, it is not necessary to buy it all at once, accident insurance can be bought by the whole family, and other types of insurance can be purchased for the breadwinner of the family according to economic conditions, and then gradually improved.

Fourth, the annual premium expenditure of the family is 10-20% of the annual household income. The distribution ratio between adults and children should be appropriate, and the economic support should be high.

I am very happy to serve you, the importance of insurance to the family, your concept is very good, first of all, we must consider the adult, because the lover is the pillar of the family, and there are many natural risks in the society now, mainly considering accidents, critical illness pension for you on your family situation, to tailor-made, I hope to serve you contact me.

Hello! You all have social security, it is recommended that commercial insurance supplement critical illness protection and medical allowance protection, you can understand Taikang Life's love family covenant, do the whole family protection products, save premiums, comprehensive protection, is a healthy life (special funds dedicated to critical illness protection products). Additional medical treatment.

Both of them have relatively stable jobs, and it is recommended to buy some insurance with pension functions to add serious illness protection, so that they can be treated with illness and provide for the elderly without illness. As for children, if there is no better investment channel, you can do some education insurance.

Hello insurance is relatively like this, the family is to ensure the quality of life, and the protection of the two of you husband and wife is relatively comprehensive and stable. It is advisable to set up an accident protection and health protection account for each person to cover possible future risks that affect financial security.

Hello, you husband and wife, there is social security, it is recommended to supplement critical illness insurance, accident insurance son: there is children's medical insurance, it is recommended to supplement critical illness insurance, accident insurance, education savings, wedding money, etc.

Hello, there are publicly-funded medical care, it is recommended to supplement the most important commercial critical illness insurance and financial pension insurance, these two insurances and your existing social security are not in conflict.

Hello! Your family is quite happy, depending on your situation, it is recommended to invest in a high-protection product, life insurance or serious illness medical insurance.

Hello! I suggest you read my blog "Family Asset Allocation and Personal Risk Planning", I believe it will be helpful to you.

Hello: I'm Peak in the Pacific, and we can talk about your insurance needs. Just click on my avatar.

Hello, the health insurance system for civil servants has been reformed, you can be appropriate.

Contact me and give you a professional tailor-made.

For wage earners, the burden of life and family is very heavy, and the limited income often puts them under great pressure when they are exposed to illness or other risks. Therefore, when working people make financial plans for their families, insurance is indispensable. So, in the face of a lot of insurance information, how can we be confident and how to buy insurance on demand?

Basic Principles

Principle 1: Buy at the right time. One of the major characteristics of insurance is that the older you are, the higher the risk of insurance company's underwriting, and the more premium requirements you have, so if you buy it early and timely while you are young, the investment in premiums is relatively small.

Principle 3: The type of insurance should be appropriate. According to their own family situation, income and protection needs to buy insurance, the choice of insurance should be appropriate, should first choose pure protection or partial protection products, with "health and medical" insurance as the mainstay, with accident insurance as the auxiliary.

Which insurance is cost-effective

1. First of all, the working class needs a basic life insurance, and should also consider the pension, so the pension insurance with the dual functions of pension and personal security is an economical and affordable choice for the ordinary working class.

2. Secondly, after having basic life insurance, since accidental injury and "critical illness" are known as the two hidden killers in the current society, the working class also needs to consider a certain amount of critical illness insurance and accidental injury insurance.

3. An endowment life insurance plus a certain amount of critical illness insurance and accident insurance, the basic insurance of the individual is almost enough. If the financial conditions allow, a certain amount of "medical insurance" can also be supplemented to cover the outpatient or hospitalization expenses of the hospital caused by ordinary illness or accidental injury.

4. After the personal risk protection system is built, it is necessary to consider the risk protection system of the family, when a family has a practical protection, the family property will be safer, which is the best choice for the new class to relieve the pressure of life.

Precautions

When buying insurance, salaried people should always understand that they should start with the most basic protection. Accident, medical and death benefits are the first considerations, followed by education and pension arrangements. Finally, consider investment insurance such as dividends, universal and investment-linked insurance.

It should be noted that the functions and priorities of insurance are also different for family breadwinners at different income levels. You need to develop an insurance plan according to your own financial ability and family financial needs.