With an annual income of more than 30,000 and 33 years old, I want to buy insurance, which is suitab

Pro, the cost of universal insurance is more paid, a year in more than 6000, there will be a loss in the middle of the surrender, not very suitable for your current situation, you can consider a year of short-term consumption insurance, a is about a hundred, and so on the economy can be considered other later.

Your income is not high. You have to choose a more flexible product. In case there is an emergency, you need to be able to take out the money for an emergency.

In fact, they are all the same, basically the same.

From my personal point of view, compared with Ping An's strength, it is PICC, not life insurance.

The most important thing is that if there is ** person to serve the best and most convenient.

Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of the compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the third-party insurance should refer to the compensation standard of the location. According to the calculation of the highest standard of auto insurance compensation, if one person dies in the former withered fruit, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs. However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the various smart terms of vehicle loss insurance before applying for insurance, and grasp the content of vehicle damage insurance, so as not to fall into the misunderstanding of claims.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

Principle 6: Other types of insurance should be selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

OK. "Xinfu Niannian" product form:

Insurance age: 0-65 years old, to meet the needs of all age levels.

How do Chinese Shou Xin Fu be guaranteed every year?

Payment period: 3 years, 5 years, 10 years; Invest regularly and benefit in the long run.

How long does Chinese Shou Xin Fu keep it every year?

Insurance Period: Lifetime Financial Management.

What does the Chinese Shou Xin Fu keep every year?

First, the fixed income is high.

Instant Payment: 12% of the initial premium will be refunded immediately after 10 days of policy validity

Fixed annual payment: From the second year to the age of 79, 15% of the basic sum assured will be refunded every year

Quick return to capital: You can specify the return age (as fast as 55 years old) according to your needs, return the full amount of the premium at one time, and continue to receive the annuity after the return of the principal, and return the principal and return the income!

Men can specify an age of one year.

Females can specify age and 75 years of age.

Happy Birthday Celebration: 100% of the sum insured will be refunded at the age of 80.

2. Death benefit.

Death Benefit Asset Succession: Refund of premiums paid.

High Accidental Death Benefit: Long-term accidents (general, passenger, self-driving, natural disasters, aviation) can be added, and targeted high benefits can be added.

3. Diamond Xin account clever financial management:

Only up but not down high settlement: all rebates can enter the diamond Xin account to enjoy lifelong secondary value-added, daily interest and monthly compound interest, compound interest 12 times a year, under the guarantee (the guaranteed annualized is not capped (the official interest rate announced in September.

Flexible withdrawal can be added: Diamond Xin account account value withdrawal is flexible, you can get it if you want to use it! Additional investment can also be added to meet the needs of all stages of life!

Insurance case: Mr. Wang is 30 years old, insured Xinfu every year, pays 146,880 yuan per year, pays for 5 years, has an insurance amount of 100,000 yuan, and chooses to receive a pension at the age of 60.

Insurance benefits: 17,626 yuan (12% of the initial premium) when the policy is effective.

31-79 years old annual return of 15,000 yuan (15% of the sum insured).

At the age of 60, a one-time refund of 734,400 yuan (full premium) will be returned.

At the age of 80, a one-time return of 100,000 yuan (100% of the sum insured) will be returned.

The above return enters the Xin account (diamond version) for the second value-added:

At the age of 65, the median account value is assumed: 10,000.

At the age of 75, the median account value is assumed: 10,000.

At the age of 85, it is assumed that the median account value: 10,000.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

It is recommended that if you don't have any insurance, it's best to buy Ruixin first, and if you have other insurance, you can buy universal insurance (don't attach serious illness).

It is best to buy a serious illness separately, and then buy a separate dividend insurance, so as to maximize your own interests.

For example, Chinese Life Corning Insurance + Fulu Double Happiness Insurance + Additional Hospitalization and Accidental Injury Outpatient Insurance, so that their protection is more comprehensive, and their value is maintained and increased with peace of mind. Best wishes!

Commercial pension insurance, to put it simply, 28-year-old example (a total of 500,000 worth):

1. Choose a financial dividend-paying pension insurance for yourself, the long-term rate of return is considerable, and the account value is increasing every year!

2. Assuming that the insurance amount is 50,000 yuan, and the guarantee is lifelong, it will be saved for 15 years, and a total of 100,000 yuan will be saved! Enjoy 8% of the sum insured rebated by the insurance company every 3 years! Then you have 230,000 yuan in your account when you are 59 years old, you start to receive a pension of 10,000 yuan a year at the age of 60, a total of 240,000 yuan in 20 years, 140,000 yuan in your account when you are 80 years old, and 520,000 yuan in your account at the age of 100!

3. Additional comprehensive accident hospitalization medical insurance! Includes all accidents caused by accidental hospitalization! There is no limit to the number of reimbursements, and the reimbursement rate is 80%!

4. You can attach regular critical illness insurance, pay for 30 years to protect until the age of 58, have 50,000 critical illness protection, pay 1,500 yuan annually, enjoy 23 kinds of critical illness protection, and hospitalization nursing money, and enjoy double the sum insured for serious critical illness. Prevent illness and repay the principal as a pension when there is no illness!

5. You can attach a term life insurance product to enjoy a high value, pay until the age of 55 and protect to the age of 55, the protection amount is 300,000 yuan, the annual payment is 1,800 yuan, and it can be converted into a pension product after the expiration date!

Example of insurance for a twenty-five-year-old woman (suitable for white-collar housewives too):

1. This is a guaranteed life insurance product (including women's disease, maternity protection, and critical illness), with lifelong protection, insurance liability: death, total disability, survival fund return, annual dividend, 15 major diseases, female diseases, maternal and child protection disease insurance. The sum insured is 100,000 yuan, the payment is 20 years, a total of 100,000 yuan is saved, the insurance company rewards 1,000 yuan when giving birth, 10,000 yuan in cash on the 9th and 18th contract anniversaries, 150,000 yuan in the account at the age of 59, 290,000 yuan in the account at the age of 80, and 500,000 yuan in the account at the age of 100.

2. A comprehensive accident hospitalization medical insurance can be attached! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days! The reimbursement rate is 80%!

Participating insurance is mostly life-long, with death as the condition for compensation, and the principal is not supported in the middle.

Universal insurance is lifelong, lifelong payment and lifelong deduction, the annual cost is **, but there is a lower guaranteed interest rate than the bank, and the account is more flexible, not consumption-based!

If you don't plan to pay for a lifetime, don't choose Wancheng.

First of all, universal insurance is very expensive, and a large part of the money you pay to the insurance company is used as an administrative fee.

In addition, some of the universal insurance is for consumption, but it is not for consumption; Although it is not consumer-oriented, it will have to be discounted after putting it in.

Universal insurance is like a pool of water, you have to keep filling it with water, because it is constantly volatilizing.

Ruixin only needs to pay for ten years, or you can choose twenty years.

Moreover, Ping An's investment income is unstable, such as 08 years, huge losses; In the case of the global financial crisis, Chinese Life can still maintain more than three points of gains.

Magnum and Ruixin are closely related to the company's income, and you are so young, you will definitely have to consider the problem of children in the future.

To sum up, it is recommended to consider both Ruixin and Chinese life.

Hello: China Life Ruixin is a participating insurance, first of all, let's understand what is participating insurance? What is Universal Insurance?

Participating insurance is an investment insurance product. Those who purchase participating insurance can also share the operating results of the insurance company in the form of dividends while receiving death benefits and survival benefits.

The distributable surplus of the participating insurance** is the difference between the insurer's hypothetical mortality, return on investment and expense ratio and the actual difference. For example, there may be situations where the mortality rate of the actual insured population is lower than the hypothetical, or the actual investment return is higher than the hypothetical return.

These differences make the insurance company generate a certain surplus, which is the distributable surplus of the participating insurance.

The China Insurance Regulatory Commission stipulates that insurance companies should distribute at least 70% of the distributable surplus of participating insurance to customers every year. There are two ways to distribute dividends: cash dividends and incremental bonuses.

Cash dividends are dividends that distribute the surplus directly to policyholders in the form of cash. Incremental dividends refer to the distribution of dividends in the form of increasing the insured amount every year during the entire insurance period, and most domestic insurance companies currently adopt cash dividends. Under the distribution method of cash dividends, dividends can be claimed in a variety of ways:

Cash, interest accumulation, premium payment and reduced payment insurance.

"Universal insurance" is a word translated from universal insurance. The concept of universal insurance was first introduced from abroad, and universal insurance refers to life insurance that can arbitrarily pay insurance premiums and adjust the amount of death insurance benefits. The reason why universal insurance is called "universal insurance" is that after applying for insurance, customers can adjust the sum insured, premium and payment period according to their protection needs and financial resources at different stages of life, determine the optimal ratio of protection and investment, and make the most of limited funds.

Universal insurance is a kind of investment-type life insurance that coexists with risk and protection, and is between participating insurance and investment-linked insurance. Under this "universal insurance" insurance method, the insurance premium paid by the consumer is divided into two parts, one part is used for insurance, and the other part is used for universal insurance.

For investment, the investment part of the money can be converted into insurance by the consumer, and this conversion may be manifested in the adjustment of the change of payment method, payment period, insurance amount, etc. In foreign countries, generally speaking, the risk of the investment part is borne by the consumer himself; In domestic universal insurance, generally given a minimum guaranteed rate of return, consumers can make a trade-off comparison between the minimum guaranteed rate of return and the bank demand deposit interest rate. Universal insurance is a better way of providing services by insurance companies, and it is definitely not the meaning of "omnipotent" in Chinese vocabulary.

The so-called insurance is to transfer the results of potential risks to the insurance company by paying insurance premiums, and the risks themselves cannot be transferred. With the exposure to insurance, people's risk awareness will be enhanced, and in this sense, the possibility of risk may be reduced.

Through the above introduction, I believe you will be able to choose the right insurance product.

I probably also know your situation, if each of you can have 5000-8000 payment ability, you can choose a dividend plus protection insurance product, which is suitable for pension and protection, I don't know if you know Sunshine Life's Jinmantang whole life insurance? It is a financial management plus protection type, with an annual premium of 6,000 and a death benefit of 120,000, which can be adjusted according to your own requirements, as well as 100,000 for critical illness, 25 types of insurance for other insurance companies, 30 types of insurance for sunshine, and 20,000 for mild and critical illnesses, which are not available to other insurance companies, because these are easy to insure, and other companies do not insure. This is a universal insurance product, you can check it online, and its dividends are also very high.

And the access is flexible, if you want to retire, there is no need to take it out, it is quite suitable for the elderly, I just recommend you to take a look, you can go to Sunshine Life to take a look at the plan to understand. I hope you choose a good product and I wish you all happiness!