How much does it cost to pay 1 million insurance at the age of 45

The sum insured is the insurance payment paid by the insurance company after the risk occurs. When encountering a variety of insurance products, how to determine a suitable amount of insurance makes many friends very distressed, you can read this article first to learn more:How much insurance is appropriate?

Let's talk about the doorway inside

The amount insured is not only related to the sum insured, the age and gender of the insured, but also the amount insured varies depending on the product. You may wish to learn more about the sum insured before making a decision:

The guaranteed rating should be reasonable, and it is not good to be too high or too low.

1.The sum insured is too high:The higher the sum insured, the higher the premium that needs to be paid, and it is too meaningless to increase the financial expenditure and become a burden on the family.

2.The sum insured is too low:Failure to achieve the purpose of transferring risk. Generally speaking, it costs about 300,000 yuan to have a serious illness, and if you only buy critical illness insurance with an insurance amount of 100,000 yuan, you can't solve the problem at all.

Many people don't know how much they should buy when buying critical illness insurance and accident insurance。How to determine the sum insured of these two types of insurance in an appropriate range? Next, I will talk about a few criteria:

1.Critical Illness Insurance:The average cost of a serious illness is $300,000It is recommended that the sum insured of critical illness insurance should be set at least 300,000If you live in a big city, the cost of living will be higher, and the sum insured should also be increased to 500,000 yuan.

If it is the breadwinner of the family, on top of this, there is a loss of income for 3-5 years to maintain the normal living standard of the family.

The following are the 10 most cost-effective critical illness insurance policies that I have selected from more than 100 after a lot of comparison, you can refer to them:Top 10 [Cost-effective] Popular Critical Illness Insurance Points! 》

2.Accident Insurance:If you don't go out often, the probability of accidents in the working environment is relatively small, and you can buy 300,000 insurance amounts; If you often go out to work, the risk of accidents is greater, and the amount is best set at more than 500,000Accident insurance with public transport is preferred

Understanding the choice of the amount of insurance is a compulsory course before buying insurance, and there are some important insurance knowledge points I wrote in this article, and you must eliminate illiteracy before buying insurance:"Before buying insurance, you must first figure out these key knowledge points! 》Hope!

What problem are you trying to solve? Critical illness? Medical? Accidentally? Life? The premiums of different products vary greatly, and the specific private chat is personal.

Is it accident or critical illness?

How much is the critical illness insurance with an insured amount of 1 million yuan a year, which needs to be explained on a case-by-case basis. Most of the critical illness insurance in the market is in the range of 400,000-500,000 yuan, but we can buy multiple critical illness insurance policies to reach one million sum assured.

If you still don't know how to apply for critical illness insurance, you might as well take a look at this article "The correct posture for critical illness insurance, dad will teach you a few tricks!" 》

The premium of each term life insurance policy is not fixed, and the insurance age, protection period, payment period, and sum insured will all become factors that affect the level of premium.

Taking Huagui Life Insurance's Damai Sweet Home 2022 Term Life Insurance (Internet Exclusive) as an example, if you are 47 years old at the age of 47 (both insureds are 47 years old) and purchase 1 million sum insured, choose to insure for 20 years, and the payment period is 20 years, then the annual premium you need to pay is 4,990 yuan.

This article will give you an evaluation of Barley Sweet Home 2022 Term Life Insurance to see if this product is worth insuring. Before starting, let's first popularize the relevant knowledge points of term life insurance: What is term life insurance?

Who is it suitable for? Everything you want to know is here!

Let's take a look at the protection chart of Barley Sweet Home 2022 Term Life Insurance:

It can be seen that the product of Barley Sweet Home 2022 is not only rich in guaranteed content, but also has these highlights:

1. There are many options for the protection period.

Barley Sweet Home 2022 provides a variety of insurance terms to choose from, such as 10 20 30 35 40 years, with a wide range of options.

In this way, consumers can choose the corresponding protection period according to their own needs, and the flexibility is relatively high.

2. Set up dual insureds.

Generally speaking, many term life insurance plans can only have one insured.

There are a total of two insureds in Damai Sweet Home 2022, as long as both parties (including husband and wife) are in good health, they can participate in the insurance together, which is equivalent to a policy, and both parties benefit!

Regarding this point, you can move here to have an in-depth understanding: Barley Sweet Home 2022 Term Life Insurance is launched! The reason why you must buy it has finally been found!

3. The special insurance for death or total physical disability pays more.

In addition to the general death or total disability benefit, Barley Sweet Home 2022 also provides special death or total disability benefit, and the compensation is at a higher level.

The Barley Sweet Home 2022 stipulates that if both Insured Persons suffer the same accidental injury resulting in death or total physical disability, they may file separate claims.

1. The beneficiary of the second insured will pay 2 times the basic sum assured.

If the subject buys 1 million sum insured, then if the compensation conditions are met, the insurance company will pay 4 times the basic sum insured, that is, 4 million to the beneficiary.

In addition to term life insurance, what other insurance is suitable for you at the age of 47? It's all here: which insurance is right for you at 47?

It's about 3 to more than 50,000 a year, and it's not worth it.

Summary. Hello, the annual premium of million medical insurance for 45 years old is about 800 yuan.

Hello, the annual premium of million medical insurance for 45 years old is about 800 yuan.

The specific amount of premiums for million medical insurance has a lot to do with the age of the insured and the physical state of Yuanheng, generally the premiums range from 200 to 1000 yuan, if it is a child and young people under the age of 20, it will be cheaper to buy million medical insurance. Staring at the mold.