Is Ping An Xinli Insurance suitable for recent college graduates?

Hello Xinli is suitable for a wide range of ages, different budgets to design different lists can achieve different effects, some people pay attention to the benefits, Xinli is known as a small wealth, large insurance policies are designed to be considerable; There are also parents who plan education funds and medical insurance cards for their children, and Xinli can also pay 2-3,000 a year to meet them. The income of college graduates is in its infancy, Xinli is not very suitable, if from the perspective of protection, Xinli is 2 times the compensation and the premium is higher, the cost performance is not high, and from the perspective of income, college students just work The ability to insure large insurance policies is limited. It is recommended that you choose Xinsheng Evergain Insurance Plan or Xinxiang, the early stage is to protect the priority, after all, there are family members at home, and there is a family in the future, and then the career has a certain foundation Then consider other investment insurance on the basis of sound protection Consider other financial management channels If you need comprehensive financial planning, you can contact me.

Hello, in fact, every insurance company, every type of insurance, has its own characteristics, as for recent college graduates, there are a lot of suitable types of insurance. Guaranteed, financially managed, guaranteed + financially managed. Depending on what you're focusing on, it's a good idea to think about protection first.

After all, buying insurance is not a market to buy a dish, it is recommended to make more comparisons to see which one is most suitable for you in the end. If you need to know, please feel free to contact me, I will help you make the most suitable one for your reference according to your actual needs. I wish you peace in your life.

1.Just entering the society, the income is low, but you have to pay the rent, but also have to get married in the future, and the preparation for buying a house makes the expenditure larger and the savings less2Irregular living habits, high work pressure, many people are in a sub-health state3 There are more social activities, and often travel to the risk Many young people are in a sub-health state, and the proportion of young people with sudden major diseases is increasing, among which cancer is the first cause of death for Chinese residents, and among the 2 people who did not die in China, there is 1 person who died of cancer accidents Every day, about 186 people die due to traffic accidents, and 754 people are injured. Savings are little to no at all.

On the one hand, frequent outings increase the likelihood of accidents, and on the other hand, in the event of a major illness, the cost of medical expenses will cause problems in one's future life and may also cause a great financial burden to parents. Due to limited savings, it is advisable to purchase consumer insurance products. Frequent outings increase the likelihood of accidents, and it is recommended to purchase United Life accident insurance to reduce losses.

The occurrence of a critical illness will incur a large amount of medical expenses, and it is recommended to purchase United Life critical illness insurance to reduce the financial burden.

If you can afford to pay an annual premium of more than 4,000, it is better to buy Xinli than to buy Zhisheng Life. Outsmart Life is more flexible and has better protection functions.

Hello! According to your ability to pay and needs, ask ** people to design a plan for you. If it suits you, then you can buy it.

What you think is suitable for you and can meet your needs is the most suitable. Peace and happiness!

Hello: whether the type of insurance is suitable for you, depends on your own needs, if you pay attention to the survival return type, Xinli is still very good, you can return 7% of the sum insured every two years, but according to your age, you can choose a product combination, I don't know how much premium you can bear? You can refer to the following two combinations:

1. Ping An Zhisheng + Ping An Xinli 1, annual payment of 7,000 yuan, 15 years of payment 2, 170,000 yuan of insurance value, 120,000 yuan in advance for critical illness, 120,000 yuan for accidental injury, 20,000 yuan for accidental medical treatment, and hospitalization medical reimbursement 3, and 1,400 yuan of survival money will be returned every two years. If the above premiums are beyond the affordable range, you can choose the following plans: 2, Ping An Xinsheng + Ping An Xinli 1, annual payment of more than 4,000 yuan, payment for 20 years2, insurance value of 80,000 yuan, 60,000 yuan in advance for critical illness, 50,000 yuan for accidental injury, 20,000 yuan for accidental medical treatment, and hospitalization medical reimbursement 3, enjoy the company's dividends every year.

Hello friends, thank you for your trust and support to Ping An. In the single period of just graduating, the first thing to pay attention to is their own accidents and accidental injuries, you can consider a certain amount of term life insurance, if the financial resources allow, you can consider critical illness protection, the younger the age, the cheaper the premium. I recommend considering Ping An Xinsheng and Xinshen, as well as outwitting universal insurance.

I wish you happiness and peace.

Hello: Xinli is a good return type of dividend insurance. You have just graduated from college, how much income can you get, whether the premium is all out of your own or with the help of your parents, if your income allows, it is recommended to choose the universal insurance with comprehensive protection and low premiums.

Save money and plan early. Reference: Peace outwits life - give yourself a good one.

Ping An Xinli is a type of insurance suitable for healthy people aged 0 to 60 years old, with low premiums, and then there is a fixed return of cash, a dividend every year, this product is very good, but it is not suitable for you personally, and you have to do an analysis of your insurance needs.

Hello, whether it is suitable for you or not depends on your situation. You can consider a low-cost, high-protection consumer insurance to solve your burden.

Commercial InsuranceFor recent college graduates, accident and critical illness insurance should be considered first! At the same time, society is full of uncertainties, and in the event of accidents and diseases, it will not only be difficult to protect oneself, but also bring heavy mental pressure and financial burden to the family. Therefore, at this stage, you should first consider accident protection and illness protection with relatively low premiums.

Among them, the sickness protection can choose critical illness insurance with hospitalization medical treatment; As you grow older and start a family, you can increase the investment in pension and children's education reserves on the basis of purchasing accident and illness insurance, and increase the purchase of some investment insurance such as dividend insurance. It is recommended to buy accident insurance with critical illness insurance, low payment and high protection!

Hello, I just graduated from college, my income is unknown, I just graduated, and my income is not very good under normal circumstances, the main insurance products considered at this time are protection-type, and it is best to have low premiums and high protection, and the protection content should cover accidents, life insurance, serious illness and medical treatment. Xinli, 7% of the insured amount is returned every two years, and the money returned cannot solve any problems; For the same premium expenditure, the protection amount will be lower than that of protection products, and it is recommended to consider protection products, such as Xinxiang, Xinsheng, and Zhisheng.

Ping An Xinli is suitable for customers who pay less, I don't know your specific situation, so I can't say whether it is suitable for you! You can contact the local salesman, or you can contact me to understand, I am happy to serve you!

Hello! Yes, it is recommended that you do a monthly payment type, which can not only relieve the pressure of payment, but also force saving!

Fresh college graduates are advised to consider purchasing accident insurance first If you want to force savings, you can consider it.

Hello Don't know your budget, what is the current situation? If it is not the family to pay the premium, it is recommended to plan the insurance in order, first the basic protection and then the others, and if you are interested in offline detailed communication, you will design a reasonable insurance plan for you. Reference:

Four advantages of Xincheng! Give yourself a reason to buy! How to be justified according to financial responsibility at different stages of life.

Hello! The first thing you need to consider is why you want to buy this insurance? Does this insurance meet your needs?

In fact, buying insurance is mainly to buy needs, and if others say it is useful, it may not be applicable to you. Depending on each person's situation, choose the product that suits your needs. I hope mine can help you.

Hello personally thinks that it is not very suitable, after all, the newly graduated students are not very stable in all aspects of the economy, and they can consider products with low premiums and high protection in the early stage.

Friends who need to know about Chinese life products can contact me**, I hope to help you! I am the best person in the Beijing area.

You have to see how much money you are ready to pay annually, Xinli this insurance you have a low amount of insurance is meaningless, he is according to the amount of seven percent of the sum insured for two years, not according to the payment of many years, Sanxin products Xinsheng is protection, Xinxiang is pension, Xinli is pocket money (personal opinion).

Hello! Each product has its own group, and whether it is suitable or not depends on what your protection needs are, as well as your financial situation, such as income, expenses, etc., so tailor it according to your own situation! You are welcome to consult!

If you meet the requirements, then this type of insurance is suitable for you!

Yes! It doesn't pay much, there are returns, and there are dividends. It's a very good product.

Ping An Xinli is a regular participating insurance that returns 7% of the basic sum insured every two years until the age of 80. The death benefit is a buy-one-for-two. Whether it's right for you depends on your situation.

The disadvantage is that the rate is still relatively high (the same amount of insurance is compared with other types of insurance). The advantage is that the upper limit of the insured amount is 2.5 million, which can be used as a family wealth inheritance.

It's okay, the payment is low, the protection is high, but the payment time is longer. It is a savings insurance, and the sooner you buy it, the better.

Very good, because the payment is not much, two years back.

I took a general look at the coverage on the Internet. This insurance is a two-pronged insurance plan. Emphasis on savings and investment. The key depends on how much money you pay and how much you receive. Add the impact of inflation to whether it is worth it. In my estimation, the younger you are, the more cost-effective it is.

Xueba talks about insurance, focusing on insurance evaluation! The senior sister was surprised to find that many people have been talking about Ping An Xinli's insurance product recently, which is a serious insurance (dividend-paying type). There are many people who buy both insurance (dividend-paying), and there are many people who fall into the pit, and this Ping An Xinli product also has a "pit"!

In view of this happening, I have written an article dedicated to it, if you are interested, you can learn about itDon't buy seven [participating insurance]** points!

How about Ping An Xinli? Is it worth buying?

How about this Ping An comprehensive insurance (participating) product? Is it worth buying? Let's start with a picture

1.Critical Illness Benefit:After browsing it a few times, I summarized that first of all, as a comprehensive insurance (participating type), the protection function of this product is equivalent to non-existent, and it can only pay for critical illness.

Then let's mainly analyze how the financial management function is. Ping An Xinli's wealth management account is composed of four parts: survival insurance, maturity survival benefit, death insurance and dividends brought by the policy.

2.Let's take a look at the survival insurance benefit and the maturity survival benefit:This product can receive 6% of the basic sum assured in the fifth year, and double the basic sum insured if you reach the age of 80.

For example, a 30-year-old man has insured 100,000 Ping An Xinli insurance (dividend) products, and paid in 30 years, then from the age of 35 to the age of 80, there is a dividend of 6,000 every year.

It is the rate of return of Ping An Xinli survival insurance, which is very general, and then look at something else. Let's come back to the Kangkang death benefit.

3.Death Benefit:The calculation method of the death insurance benefit of this product is the same as that of other products, in case of unfortunate death, the larger of the premium paid by yourself or the cash value of Party B is used as the compensation amount.

4.Policy Dividends:Of course, there are also the dividends brought by the policy, the interest rate of the dividend is uncertain, there are three levels, high, medium and low, generally in the mid-range, and can be obtained in one of the three ways.

Take the mid-range interest rate and calculate it again, and use the method of accumulating interest, that is, keep the money in the account all the time and not withdraw it.

Objective evaluation, the rate of return is indeed relatively low, the industry generally believes that both insurance (dividend) to reach more than three points to be called qualified, this product is indeed a relatively low rate of return. It is not recommended.

It doesn't matter if you don't understand it, I still have a detailed explanation, what is dividend insurance? Come and seeWhy are there so many complaints about participating insurance? Demystifying the mystery of participating insurance

Ping An's Xinli Insurance is a comprehensive insurance that prefers wealth management insurance. If you want to match a complete protection system for your child, it is best to purchase each type of insurance separately.

As for wealth management insurance, it is better to consider whether it is best to buy it after the protection insurance is configured. The child's insurance configuration plan is ready for everyone, please check the "Most Complete Guide to Children's Insurance: You Don't Have to Follow the Trend to Buy Insurance Next Time".

Ping An Xinli is a two-part participating insurance, and the main protection content of Ping An Xinli is survival insurance, maturity survival insurance and death insurance.

Insurance means that the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of compensating the insurance money for the property damage caused by the possible accident as agreed in the contract.

Insurance is usually used to concentrate insurance premiums to establish insurance**, which is used to compensate the insured for losses caused by natural disasters or accidents, or to bear the responsibility of paying insurance benefits to individuals due to death, disability, illness or when they reach the age period agreed in the contract.

Insurance mainly includes policy insurance and commercial insurance. Policy-based insurance is generally social welfare in nature, and even compulsory, mainly including social insurance, compulsory insurance for motor vehicle traffic accident liability (compulsory traffic insurance), etc.

Purchasing insurance should be based on one's own age, occupation, family structure, economic income and other actual conditions, and do what you can.

Life insurance, which can not only afford the premium payment, but also can appropriately transfer the associated risks.