Why is it better to buy insurance as soon as possible? What is the truth, pure dry goods???

Because the sooner you buy, the sooner you can use the money.

Because the older you get, the more difficult it is to buy, especially critical illness insurance, which is very demanding, and there is a big difference between buying ** at the age of 18 and buying ** at the age of 50. Therefore, it is much cheaper for children to buy the same insurance than for adults.

It is true that the sooner you buy insurance, the better.

Friends who are new to insurance may not know what types of insurance are and what are the differences, if you want to know, you can take a look at this article:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

There are three main reasons why you buy insurance as early as possible:

1. The earlier you buy, the lower the premium.

Under normal circumstances, the premiums of critical illness insurance and medical insurance are related to the age and physical condition of the insured, because as the age increases, people's physical functions will gradually decline, and the disease rate will also increase. Therefore, the sooner you buy insurance, the cheaper the premium.

2. The earlier the insurance application, the higher the success rate.

The insurance company will decide whether it can be covered by the standard body according to the physical health status of the insured, if not, it will require additional coverage, extended coverage, exclusion or even direct refusal of insurance. At the same time, most insurance products will also have an age limit, if you exceed a certain age, we will not be able to apply for certain products.

As we get older, the probability of small problems in the body will also increase, and the younger we are, the better our physical condition will be relatively speaking, and the incidence of some diseases is smaller, the higher the success rate of our insurance, and the more products we can choose.

Some insurance novices may not know much about health notice, and the senior sister has compiled a list of tips for health notice, if you are interested, you can take a look at this:What are the tips for health notification when throwing branches and collapsing covers?

3. The sooner you buy, the sooner you start to cover.

The sooner we buy insurance, the sooner we can be covered. If we choose to purchase an insurance policy with coverage up to a fixed age or for life, the sooner we buy it, the longer the coverage will be.

In general, the sooner you buy insurance, the better.

If you don't know how to allocate insurance reasonably for yourself, you can take a look at this article:How can young people buy insurance? In this configuration, the premium is cut in half! Hope.

Is it better to buy the more Qin as early as possible?

You must buy insurance as early as possible because there are many options to buy early, low premiums when you buy early, and you can enjoy it early.

Of course, it's good to buy insurance as soon as possible, but you can't enter blindly, and it is recommended to read this article before buying:Before buying insurance, you must first make a bank to figure out some key knowledge points of this Huaikuan!

1.There are many options to buy early

In general, the sooner you buy insurance, the lower the threshold for insurance.

Most insurance plans have an age limit, and the older you are, the less physical function you can choose. And generally speaking, the younger you are, the fewer health problems you may have, and at this time, you don't have to worry too much about not being able to pass the health notice.

2.Early purchase has low premiums

Taking Tongfang Global Versailles Plus Critical Illness Insurance (Claim Sum Insured) as an example, the sum insured is 500,000 yuan, the payment period is 30 years, and the additional malignant tumor (severe) extended insurance premium.

The annual premium payable for a 23-year-old man is 9,850 yuan, and the annual premium payable for a 28-year-old man is 11,650 yuan. A 28-year-old man should pay $1,800 more per year than a 23-year-old man.

Through this data, we can also see that the premium of critical illness insurance also increases with age, and the earlier you buy critical illness insurance, the lower the premium.

I have previously shared the strategy of how to configure insurance when buying insurance as soon as possible, and I am interested in itHow can young people buy insurance? In this configuration, the premium is cut in half!

Buy early, enjoy early

Taking critical illness insurance as an example, critical illness insurance can be divided into term critical illness insurance and lifelong critical illness insurance according to the protection time, term critical illness insurance can choose to cover a certain period of time, or you can choose to protect until a certain age, and lifetime critical illness insurance can protect for a lifetime.

If you purchase whole life critical illness insurance, you will be covered 10 years before you purchase it at age 20 than at age 30.

The sooner you buy insurance, the sooner you can get the corresponding protection, the sooner you can pass on the economic risk.

Since you know that the sooner you buy insurance, the better, do you know what insurance is necessary for ordinary people? Interested can be stamped:Do you really know the three types of insurance that ordinary people must buy?

It is recommended to collectHope.

It makes sense to buy insurance as early as possible, and many people who don't want to buy insurance until they are 50 years old know it. Also, I waited until something happened to me before I thought that it would be nice if I had already bought insurance.

Buy insurance as early as possible, because the younger you are, the cheaper the premium. When you buy insurance at the age of fifty or sixty, the annual premium is much more expensive than that at the age of twenty or thirty, and it is normal to be one or two times more expensive or even several times more expensive. Therefore, the older you are, the less cost-effective it is to buy a premium.

Because young people are much more resilient to risks than older people. For example, in health and medical insurance, the probability of getting sick is small when you are young, and the probability of getting sick is much higher when you are in your fifties or sixties, so the premium is much more expensive.

Another reason why you should buy insurance as soon as possible is that when you are older, you will not be able to buy health insurance because you have some minor problems in your body, such as three high symptoms. Therefore, when you are young, you don't buy insurance, and when you are old, insurance is very difficult to buy, and many insurances can't be bought. Even if you can buy the sum insured, there is a limit.

Therefore, when you are young, you should generally do a good job of a lifelong insurance allocation plan.

If you buy insurance at the age of 30, even if you unfortunately suffer from a minor illness in a few years and make a claim, the protection of the critical illness part will still be effective, and the subsequent premiums will generally be waived.

In fact, the main reason for buying insurance as soon as possible is to configure the insurance first when you are healthy, so as not to be unable to buy insurance due to the deterioration of physical conditions in the future. So it's not like you can buy insurance if you want to, and it's a pity that you can't buy it later if you don't buy it early.

For life insurance, the insurance company will set scrapping according to the age, physical condition, occupation and other conditions of the insured. Generally speaking, the older the insured, the greater the probability of being out of the insurance, and the higher the natural premium. Therefore, if you take advantage of the younger age of the insured, the cost of insurance is lower.

On the other hand, insurance is bought to prevent accidents from happening. In this world, no one can know exactly when an accident will happen. Maybe in the next second, disaster will befall us.

Therefore, if we had taken out insurance earlier, we would have put on the armor as soon as possible. Although this cannot avoid accidents, it can help us protect our property after an accident occurs, and we will not lose both people and money.

Insurance is very important for everyone, which is why job seekers often have to ask if the company pays insurance when they apply for a job. This refers to social insurance. However, the amount of social insurance is not enough to ensure people's lives in the current society, and must be supplemented by commercial insurance.

So in such a situation, it is natural that the sooner you buy, the easier it is to make a profit

How important is it for us to buy insurance early?

Is it better to buy insurance as soon as possible?

Because buying insurance will be affectedIssue age, physical healthIf you are too old or in poor physical condition, it is easy to face additional underwriting and refusal to underwrite。Especially for critical illness insurance, critical illness insurance not only has strict health notices, but also has complex protection responsibilities, and here is a comparison table of popular critical illness insurance in China, you can take a look: 136 popular critical illness insurance comparison tables in China

1. Buy early and enjoy the protection early

Insurance protects risk, and risk is uncertain, we can't predict when it comes, if you wait until the risk arrives, then you think about buying insurance, it's too late. Therefore, before the risk comes, we need to do a good job of protection, buy insurance as soon as possible, we can enjoy the protection of insurance as soon as possible, and we don't have to worry about not being able to get the ** fee if we are sick, and we don't have to worry about "being poor due to illness".

2. The sooner you buy insurance, the cheaper it is

The premium of the insurance is related to the insured person's insurance age, in general, the same coverage content and payment period, at different ages, the lower the age at the time of application, the lower the rate, and the cheaper the premium.

Take the popular critical illness insurance Darwin No. 3 as an example, 0-year-old men and 30-year-old men and women also insure 300,000 yuan of insurance, guaranteed for life, 30 years of payment, in the case of the same protection content, the premium is twice as different, so it is more cost-effective to buy insurance at a young age.

3. The sooner you buy, the easier it is to pass the underwriting

When purchasing insurance, the health condition of the insured person is a key factor in the insurance company's decision to underwrite or not.

As we grow older, our physical conditions will change, and health notices will become more and more stringent, and many people only think of buying insurance at the age of thirty or forty, but they are denied insurance or overwritten or excluded because of high blood pressure, high blood sugar, thyroid nodules and other large and small diseases. Therefore, when you are in good health, you should apply for insurance as soon as possible, it is easier to pass the underwriting.

There are many people who are not in good physical condition who want to buy insurance, but are very worried about the health notice, so you can collect this health notice strategy, which may help you pass the underwriting: what are the tips for health notification when applying for insurance?

Insurance is a very important means of transferring risk, the earlier you buy it, the sooner you will be protected, and friends who are still struggling with why to buy it are recommended to take a look first:Should I buy insurance? If you don't take risks, won't the money be spent in vain?

1. The premium is cheap and the protection time is longFrom the perspective of premium expenditure, it is very cost-effective to buy insurance when you are young, especially for children, 6-year-old children are insured with an insurance amount of 300,000 yuan, and the lifelong critical illness insurance is only more than 1,000 yuan; And buy insurance at the age of 30, the same protection for life, buy 300,000 insurance may go to 4,000, the same is the protection for life, 6-30 years old This period is not guaranteed, not to mention, the premium is also several levels more expensive, it is not cost-effective at all.

2. It is easier to pass the underwriting of the insurance company if you apply for insurance as early as possibleWhen buying insurance, the health status of the insured person is a key factor in the insurance company's decision to underwrite or not. As we age, our physical condition will continue to decline, and health information will become more and more stringent.

Therefore, when the physical condition is good, you should take out insurance as soon as possible to avoid health problems that lead to the inability to buy insuranceWhat are the tips for health notification when applying for insurance?

Why is it said that the sooner you buy insurance, the more money you save?

When is the best time to buy insurance? Why is it better to get it sooner? It takes three to five minutes to understand!

The sooner you buy insurance, the better the reason:

1.The earlier you apply for the insurance, the cheaper the premium, the younger the age, the lower the premium, and the older you are, the higher the premium. The premium is calculated according to your age, the older you are, the worse your body will be, of course, the premium will be expensive, you should prepare insurance as soon as possible, it is beneficial to prepare insurance early, don't wait!

2.The earlier you apply for insurance, the longer you are covered, and everyone wants to protect for as long as possible, so the younger you are when you apply for insurance, the longer the protection will be. For life-long insurance, the premium is small and the protection is long-lasting.

A permanent benefit starts with a single policy. 3.Tomorrow and risk, who can predict insurance is not afraid of 10,000, just in case, no one wants to have an accident, but who can control the accident, who can predict the risk?

If there is no accident, it is fine, but if there is an accident, who will bear it? Insurance is your most loyal friend, and even if there is a risk, it will accompany you through the difficult times.

4.The younger the older the person, the easier it is to pass the audit, and the older person will inevitably have some minor problems in the body, and the insurance company may have to increase the premium or refuse to insure. Young people are in good health, not only are the premiums low, but they are also easier to pass.

In modern society, risks are everywhere, and the importance of insurance is obvious. But there are still many people who will postpone buying insurance for various reasons, and everyone may have heard the saying that the sooner you buy insurance, the better, why do you say that? If you want to know, let's find out.

Why is it better to buy insurance as soon as possible?

1. Enjoy the protection early

No one can predict what will happen in the future, and so can the risks. Therefore, configuring insurance protection in advance can give you the ability to resist risks and not be easily hit even if an accident occurs.

2. Premiums** are relatively cheap

The insurance product** is directly proportional to the age of the insured, the younger the age the premium is usually at the end of the month, and the older the premium** is usually higher. If you buy the same insurance policy at the age of 20 and 40, the premium may be more than half as expensive.

3. The difficulty of insurance

Insurance is selective for the insured, not only will there be age restrictions but also health requirements for the insured. For people of age and good health, it is very easy to buy an insurance, but once there is an abnormality in health, then there will be many restrictions when buying insurance, of course, there are also opportunities to insure, but more often it is a premium, exception, delay, and it is very likely to be directly rejected by insurance. Therefore, everyone must buy insurance when they are healthy, and the age should not be too high, and some insurance products will require a physical examination for the elderly.

In the case of sufficient budget, it is best to have 4 major types of insurance, so as to improve our ability to deal with risks. If you don't know how to configure insurance, you can take a look at this article "How to buy insurance?" These routines must be avoided