What insurance should be suitable for a man at the age of 32?

A man stands at the age of thirty, and at the age of thirty-two, he has a certain economic foundation, but the mortgage and car loan are added, the old and the young, and the pressure is very high, so it is really necessary to configure insurance for himself. I recommend that you purchase it with the following insurance:Critical illness insurance + medical insurance + accident insurance + term life insurance.

Let's talk about the necessity of buying these insurances at the age of 32:

Critical illness insurance

Designed for 32 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020!

According to the relevant data survey, 30-60 years old is the high incidence period of critical illness probability, so the pillar of the family needs to purchase critical illness insurance as soon as possible, once the insurance can get cash, and this cash can be used freely, which can make up for the cost gap of later ** and income loss as soon as possible, and help the whole family get through the difficulties in time.

Medical insurance

The protection responsibility of medical insurance is to reimburse the reasonable expenses incurred due to illness or accidental hospitalization, although basically every family will purchase social security, but medical insurance is able to reimburse the expenses that cannot be reimbursed by social security, which is complementary to each other, and millions of medical insurance only need a few hundred yuan a year to have millions of reimbursement amounts, which is a cost-effective type of insurance. Here are the top 10 critical illness insurance points for 32-year-olds, which can directly solve the confusion of which product you want to buy:

Freshly baked! Suitable for 1 million medical insurance points bought around the age of 32

Accident insurance

Whether it is the various traffic accidents seen on the news, or the accidents caused by various disasters, they all tell us a truth: everyone is equal in the face of accidents!

For a family, if the breadwinner of the family encounters a serious accident, it will be a fatal blow and damage to the future income of the entire family, so it is also necessary to purchase accident insurance.

Term life insurance

Life insurance is actually divided into term life insurance and whole life insurance, which mainly covers death. For an ordinary family, it is recommended to buy term life insurance, which is more cost-effective, can give full play to the leverage of insurance, and has low premiums, which is actually very friendly for a family with a less well-off financial situation.

The above is the insurance I recommend, so what is the specific difference between these four insurances, I wrote a related article before, I want to learn more about the differences between the four insurances, add more dry knowledge, you can click to see:

What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

Write at the end:

In fact, no one wants to encounter all kinds of risks, but as the pillar of the family, it is also a manifestation of responsibility for a family to allocate comprehensive and adequate insurance to yourself.

That's all for me, hope!

Xueba talks about insurance, focusing on insurance evaluation! What is a good critical illness insurance for a 32-year-old? Only after comparing will you know!

Standing in their thirties, 32-year-olds are usually the main pillars of the family, not only to support the family, but also to bear the heavy pressure of car loans and mortgages, and the pressure from work is also very high, and the arrival of any risk may make a family crumbling, so for people of this age, the best way to share the pressure is to buy insurance for themselves.

So what kind of insurance is suitable for people of this age? These types of insurance are a regular combination:Critical illness insurance + medical insurance + accident insurance + term life insurance.

1.Critical illness insurance

Nowadays, critical illness is no longer exclusive to the elderly, and the risk of serious illness for 32-year-olds is getting higher and higher. Many serious illnesses take a lot of time, and there are also later expenses and lost work due to illness that must be considered. Therefore, critical illness insurance needs to be configured first.

2.Medical insurance

It is not enough for people of this age to buy critical illness insurance, and there are minor illnesses and disasters that may occur at any time cannot be ignored. Buy a million-dollar medical insurance, the annual premium is only a few hundred yuan, but you can get millions of protection, solving the part that cannot be reimbursed by medical insurance. In order for everyone to buy cost-effective products, I have compiled a list, and the millions of medical insurance you want to buy are here:

Freshly baked! Suitable for 1 million medical insurance points bought around the age of 32

3.Accident insurance

We never guess who will come first tomorrow or the accident, and although this is a sentence that is about to be said to rot, it is true. Accident insurance is a common insurance for all ages, and it is also very low. After all, if a person at this age accidentally has an accident, who will bear the responsibility of raising the family?

Therefore, it is very important to have an accident insurance policy.

4.Term life insurance

At this age, you not only have to take care of the family, but also have a high car loan to repay, in addition to health protection, death protection must also be considered. In the unfortunate event of death, it is a heavy blow to your parents, wife and children, and when you can no longer fulfill your responsibilities, life insurance can help you take on this responsibility and leave a minimum of financial security for your family.

That's all for me, hope!

Xueba talks about insurance, focusing on insurance evaluation! What kind of critical illness insurance should a 32-year-old person buy? How do you know if you don't compare it?

As the main pillar of the family, 32-year-olds support their parents while raising children, and there are car loans and mortgages to repay, and the pressure from work is also very large, and any risk may make a family crumble, so for people of this age, if you want to share the pressure on yourself, buying insurance is a good choice.

So what kind of insurance is suitable for people of this age? These types of insurance are a regular combination:Critical illness insurance + medical insurance + accident insurance + term life insurance.

1.Critical illness insurance

Nowadays, critical illness is no longer exclusive to the elderly, and the risk of serious illness at the age of 32 should not be underestimated. Moreover, the time and energy spent on a serious illness is also a lot, and it is also necessary to take into account the cost of later expenses and lost work. Therefore, it is necessary to configure critical illness insurance.

Top 10 Critical Illness Insurance Points Worth Buying in 2020! 》

2.Medical insurance

At this age, in addition to preventing serious diseases, people also need to prevent minor illnesses and disasters that have a high incidence in life. Buy a million medical insurance, spend a few hundred yuan a year, easily get millions of protection, and solve the part that cannot be reimbursed by medical insurance. In order for you to buy cost-effective products, I have compiled a list for your reference:

Freshly baked! Suitable for 1 million medical insurance points bought around the age of 32

3.Accident insurance

We can never be surprised when it will come, and while this is a phrase that is about to be said to be rotten, it does make sense. Accident insurance is basically a type of insurance that is all-inclusive and everyone-friendly, not to mention that it is very cheap. In case of an accident at this age, what should the wife, children, and parents of the family do?

Therefore, it is very necessary to arrange an accident insurance for yourself.

4.Term life insurance

At this age, you have to support the elderly, raise a baby, and the mortgage and car loan are under the pressure of your body, and after the configuration of health insurance, the death protection must also be considered. In the event of unfortunate death, it is a heavy blow to both parents and wife and children, and the role of life insurance is to leave a protection for your family when you are unable to fulfill your responsibilities. Hope!

There is no good or bad product, only the most suitable, depending on what problems you buy to solve? Critical illness issues: Both products are fine.

Your age group, critical illness, accidental injury, accidental medical treatment, illness hospitalization, and pension insurance should be planned as early as possible when you are young and healthy.

Hello, you can see that your insurance awareness is very good, for a 32-year-old man, at this time the responsibility of family and career is relatively large, it is recommended to buy an accident insurance for yourself first, and you can buy a critical illness insurance after the accident protection is sufficient, if the economic conditions are good, you can also buy some financial insurance, the most important thing to buy insurance is to buy the right insurance, you can choose according to your actual situation to the insurance company, you can also refer to this link.

How should a man buy what insurance).

Men aged 32 can recommend accident insurance, health insurance and other products to build comprehensive protection for themselves. The specific insurance plan is as follows:

1. Accident risks are everywhere, and you should first buy a suitable accident insurance to avoid risks. If you often take various means of transportation, it is most suitable to choose a comprehensive accident insurance with an annual sum insured of 10 times your annual income.

Men are struggling and are prone to diseases due to stress, irregular work and rest, etc., so they should buy health insurance. If the economic conditions are good, you can buy returnable health insurance; If you have a good financial situation, you can buy consumer-based health insurance, focusing on critical illness protection and hospitalization allowance.

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

The insurance suitable for 23 years old is critical illness insurance, medical insurance, and accident insurance. Today's unhygienic environment, high work pressure, and unhealthy personal habits have led to an increasing rate of severe illness and fibrillation, and more and more people are skewed younger. However, as science and technology become more and more developed, the ** rate is getting higher and higher, but the cost is also getting higher and higher.

If you unfortunately get a critical illness, it will bring huge financial pressure to the whole family, so critical illness insurance should also be considered. Then there is medical insurance, compared with major diseases, the probability of minor illnesses is definitely much higher, and medical care and outpatient social security for ordinary diseases can be partially reimbursed, but the help is limited, and they still need to bear a lot. Therefore, you can consider buying commercial medical insurance as a supplement to social security.

Accidental risk is the only risk that is less affected by age, so it should be considered at any age.

Extended Eggplant Ruler Reading: [Insurance] How to buy, which is better, hand-in-hand blocking branches to teach you to avoid these insurance"pits"

Hello! When you buy insurance at the age of 32, you should choose according to your needs, so as to buy the most cost-effective product. Generally speaking, accident insurance, health insurance, and pension insurance are indispensable. The specific plan is as follows:

1. There are unscrupulous speculations in the sky, and people have good and bad luck, so 23-year-old people should give priority to accident insurance. The amount of coverage can generally be recommended to be 5-10 times of the annual income to ensure that in case of an accident, the family can have enough future living expenses.

2. At present, many 32-year-old people are in a sub-health state, so it is very important for 32-year-olds to choose a suitable medical and critical illness insurance. At present, the average cost of critical illness is about 100,000 yuan, so the insurance amount is more moderate from 100,000 yuan to 200,000 yuan.

People are in the first period of struggle in life, but they must also plan for the future pension life, so a suitable pension insurance can not be missing.

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

What is a good critical illness insurance for a 32-year-old? Only after comparing will you know! Here is a freshly released comparison table of popular domestic critical illness insurance, poke the blue word to view:

"Comparison Table of 136 Popular Critical Illness Insurance in China".

A 32-year-old person is usually the backbone of the family, supporting his parents and raising children at the same time, and there are car loans and mortgages to repay, and the pressure of work is not small, any risk may lead to the whole family in crisis, so for people of this age, it is urgent to buy insurance to transfer the risk.

Getting back to the point, how do people at this age configure insurance for themselves? It is best to configure all of these: critical illness insurance + medical insurance + accident insurance + term life insurance.

1.Critical illness insurance

Nowadays, the probability of young people getting sick is also very high, and 32-year-old people are also very likely to suffer from serious illness. Moreover, serious illness is not a matter of one or two days, and it is also necessary to consider the later expenses and lost work due to illness.

So, hurry up and configure yourself with a critical illness insurance protection. There are so many critical illness insurance policies on the market, how to choose the right one for you?

2.Medical insurance

At this age, in addition to preventing serious illnesses, there are also minor illnesses and disasters that may occur at any time cannot be ignored. Buy a million medical insurance, with a premium of a few hundred yuan a year, you can enjoy millions of protection, and solve the part that cannot be reimbursed by medical insurance.

3.Accident insurance

Accidents and tomorrow which will come first, you can never **, although this is a liter of mold sentences that are about to be said to be rotten, but the truth is correct. Accident insurance is one of the essential types of insurance for men, women and children, not to mention that accident insurance is very cheap.

If there is an accident at this age, who will bear the responsibility of raising a family? It can be seen that it is important to configure an accident insurance.

So what accident insurance products are available? Not to be missed:"10 Best Accident Insurance Points to Buy! 》

4.Term life insurance

At this age, you not only have to bear the living expenses of your family, but also have to repay a high car loan and housing loan, and it is not enough to buy health insurance, remember to focus on the death benefit. In the event of unfortunate death, it will be a heavy blow to both parents and wife and children, and buying life insurance can continue your responsibilities and at least provide a guarantee for your family's life.

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I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.