My husband is 28 years old, buy him a participating insurance life insurance return type, which one

First of all, it is correct for the subject to choose to configure life insurance for her husband at this time, because inIt is necessary to allocate life insurance at the stage of the family's breadwinner, but if you want to buy a dividend-paying one, I advise you to understand it firstWhy are there so many complaints about participating insurance? Demystifying the mystery of participating insurance

People who love dividend-paying products will tell you that my insurance is particularly perfect and protected, and I can participate in the company's profit distribution, which is equivalent to buying insurance and managing money. But often the more perfect something, the more greasy it is inside!

Do you think dividends are interest? This is not the case.

Anyone who has deposited money in the bank knows the formula for calculating interest:Principal x Interest Rate x TimeSo how much interest we can get, we can calculate it ourselves.

ButDividends, but we don't know how much money we have so easilyDividends are part of the profits generated by insurance companies or such participating insurance products throughout the year"Distributable surplus", that is, a piece"Flatbread", so that the policyholders are proportional to their respective shares"Divide the flatbread. The average insurance broker will tell you, "The insurance company will use 70% of its profits every year for dividends, and that's the rule." ”

Actuarial Provisions on Participating Insurance: The insurance company must distribute the balance to the policyholder after each actuarial balance is determinedThe distributable surplus ratio shall not be less than 70%.。But all the policyholders"Distributable surplus" ≠ "insurer profit".

The last thing you know, the only thing that is given to you every yearNotices, equal toDad tells you that you have as much as you want。Unless you have enough professional insurance knowledge, the dividend you wait for every year is really as incomprehensible as watching the sky and eating.

But existence is reasonable, it has so many pits, how can anyone still buy it, take a step back, even if the income of dividend insurance is at a reasonable level, alsoNot everyone is suitable for participating insurance

The surname of the insurance is BaoBefore considering products with financial management properties, it is still necessary to firstTo do a good job in the basic protection of the family, it is necessary to ensure that the family's critical illness, medical and accident insurance are fully equipped, the pillar of life insurance is sufficient. I have made a comparative analysis table of the current popular critical illness insurance in China, which is more intuitive and comprehensive, and I hope it will be useful to youUltra-complete! Comparison table of popular life insurance in ChinaHope!

Hello! The role of life insurance in solving the difficulties caused by birth, old age, sickness, death, disability, unemployment, etc., protecting and improving people's lives, promoting economic development, and maintaining social stability is very obvious. It is very appropriate to protect yourself with life insurance.

As for how to purchase the right return-type life insurance product that suits your protection needs, it is recommended that you can compare and choose the specific life insurance product based on your actual situation.

1. When choosing a life insurance company, the first thing to look at is solvency, the company's solvency can be reflected from the balance sheet, if the assets or liabilities are positive and the number is large, it means that the company's solvency is strong; Secondly, it depends on the quality of service provided by the insurance company to customers.

2. When choosing life insurance products, we should scientifically compare the best factors, "choose the best of the two"; Then, compare the conditions such as coverage and exclusions of life insurance products, and pay special attention to the different conditions such as "observation period" and "deductible days".

3. Choose the most suitable life insurance company and product for you, and the most important thing is to choose according to your own protection needs and economic situation.

In short, I would like to remind you that when choosing the right life insurance company and products for your husband, you may wish to spend more energy and learn more about the specific knowledge and situation of life insurance companies and their life insurance products, and then choose a life insurance company with strong strength and high-quality services, and purchase suitable life insurance products to benefit you in the future. (

Xueba talks about insurance, focusing on insurance evaluation! I spent a week compiling a comparison table of 35 participating insurances and 101 popular critical illness insurancesComparative analysis table of 35 participating insurance products and 101 popular critical illness insurance products in China, to friends who know this article.

I have met a lot of people who buy participating insurance but they just heard that others said it was good, so they bought it, and they didn't understand what participating insurance is, do they need it? Let's focus on participating insurance:

Participating insurance, literally: Participating insurance is a type of insurance with dividends, that is, when the insurance company makes money, it distributes part of it to customers who have purchased participating insurance. This is the characteristic of participating insurance, which can both manage money and protect money.

For a long time, dividend insurance with its "protection + income" characteristics by consumers love, for troublesome customers, buy an insurance accident compensation, nothing can also return dividends, why not? However, many people regret it after two years after buying it, because there is a large difference in income before and after buying.

The main reason is that consumers do not know enough about participating insurance

First, the dividends of the policy depend entirely on the economic environment and the experience of the insurance company, which is uncertain.

Second, the dividend pool is not transparent.

These two characteristics of participating insurance make the real income of participating insurance an unknown, and it has caused frequent complaints about participating insurance, and the reasons I have sorted out in this article, if you are interested, you can click to view ".Why is participating insurance a "high-incidence area" for insurance?

At the end of the day, participating insurance is not suitable for everyone, so it is recommended that you do not blindly insure!

That's all for me"My husband is 28 years old, buy him a participating insurance life insurance return type, which one is better"All, look!

Hello, dividends are the basic guarantee for insurance value preservation, but is the medical treatment you are talking about serious illness or minor illness medical treatment? If it is a minor illness medical treatment or a consumer-based insurance, there is no dividend. If it is a serious illness medical treatment, it is recommended to "Taiping Worry-free Critical Illness Early Payment Insurance", which is a critical illness insurance sold by Taiping in 2001 and 2003, and now in order to repay the trust and support of customers to Taiping, on the basis of more perfect protection, it still maintains the rate of ten years ago, which is 20% cheaper than the current similar insurance, which is a very cost-effective product.

Hello, insurance is cheated by someone, but not insurance is deceiving people, it is people deceiving people, some unprofessional salesmen without professional ethics will misinterpret the provisions of insurance, to a certain extent, it is a customer insurance.

As long as you buy the corresponding type of insurance, you can be reimbursed.

Dividend-paying insurance has the function of financial management, and you can get back the principal if you hold it for a long time.

It is recommended that you must go to the insurance company to buy insurance, and never go to the bank to buy it.

Hello teacher, medical care is additional, you can add it after choosing a type of insurance, but before buying insurance, you should think clearly, what is the family situation, how much investment insurance can be taken out in a year, and the protection type is financial management, and you can choose the right insurance only after you have clear your needs. Insurance will not deceive people, but some salesmen may mislead customers, so you should know more before buying insurance, look at the type of insurance, see the salesman, you can contact me specifically, I hope it can help you.

Look at your budget Can meet your requirements for both dividends and medical treatment Sufficient budget Choose Ping An Talisman Limited budget Choose Ping An Evergain Reference: Ping An Talisman Covers double compensation for self-driving accidents Economical and cost-effective protection plan for young people.

Hello! It's normal for you to be worried, and I can understand your feelings. 1. Insurance companies do not deceive people, and some salesmen may exaggerate the functions and benefits of insurance.

I really bought the insurance, and there was a 10-day hesitation period after the contract. You can call the customer service staff on the questions you can't see clearly, because the customer service staff represents the company, there is no personal interest involved, and it is a very fair and true answer. Within 10 days, if you feel unsuitable or different from what the salesman said, you can surrender the insurance without loss, at most 10 yuan of the cost of production.

2. It's not that the insurance company is not creditworthy, but that we ourselves don't have a detailed understanding of the product, thinking that we can get the due claim according to our own ideas when we buy "insurance". For example, if we buy a pension or investment type, but there is no additional accident and medical aspect, then when we have some minor accident and are injured and go to the hospital**, then this kind of insurance will not give us a claim. 3. Insurance is to protect unknown risks, the best function of insurance is to protect, the principal-guaranteed product is a medium and long-term plan, different from other financial institutions, the premium will be deducted from some protection costs, and the rest of the money is used as an investment, it is recommended to hold it in the medium and long term.

Reference: What to pay attention to when applying for insurance.

Hello, if you have these worries, you can receive the policy, within 7 days carefully read each clause carefully, if you do not understand or question, you should always contact the insurance company or salesman for consultation. If you are not satisfied with the type of insurance you have invested, you can surrender the policy unconditionally within 10 days to ensure that your interests are not lost. Therefore, it is very important to make an early choice before applying for insurance.

Hello!It is normal for you to have such worries, then choose a large company, choose a salesman in charge, a professional salesman with a good character in charge will consider the problem from the perspective of the customer, and tailor an insurance plan that you are satisfied with.

Hello, it is recommended that you find a local salesman to learn more about it, understand the company first, and then find the right type of insurance for you, so that you don't have to worry so much. Since the information you provide is very limited, I can only give you these suggestions!

Xueba talks about insurance, focusing on insurance evaluation! What kind of insurance should you buy at the age of 27, maybe you need this article:"27-year-old you must buy insurance! 》

The age of 27 is a good time to buy insurance, the overall physical fitness is higher, there are many insurance products that can be bought, and the premiums are relatively cheap. So let me tell you what kind of insurance you should buy at this age.

1.Social health insurance.

First of all, we must first purchase social health insurance. Social medical insurance is a benefit given by the state, so don't waste your own welfare and configure social medical insurance. Social health insurance** is also cheap, and there is no pressure to buy.

2.Critical illness insurance.

Critical illness insurance is one of the types of commercial insurance that you are recommended to buy. First of all, let me show you a data, in recent years, lung cancer has shown a trend of younger and younger, and there are cases of this disease in the 10s. After the age of 35, the incidence of lung cancer rises rapidly, and the incidence is higher in men than in women.

These data warn us that critical illness insurance is not just for the elderly, and it is not advisable to take chances. Don't wait for premiums to get higher before considering insurance. It is advisable to purchase critical illness insurance as soon as possible.

3.Commercial medical insurance.

Many people think that commercial medical insurance and social medical insurance can be bought cheaper, but in fact, there is a gap between the two;

In fact, it can be said in layman's terms that commercial medical insurance is a supplement to social medical insurance. Suppose a little cold and cough go to the doctor, it is indeed enough to use medical insurance; If you unfortunately have a long-term illness, in a secondary hospital, social security will reimburse up to 40% of the cost, so the rest of the medical expenses can only be borne by yourself, which may be a heavy burden for ordinary families;

Then the complementary role of commercial medical insurance comes: it reimburses the remaining expenses of social medical insurance reimbursement, which can alleviate the economic pressure caused by medical expenses.

Among them, the million medical insurance is recommended for everyone to buy, first of all, its premium is low, millions of insurance dollars a year only a few hundred yuan. Second, its insurance content is relatively rich, including surgery fees, examination fees, anesthesia fees, etc.

4.Accident insurance.

Anyone can encounter accidents, and there will be accidents at the age of 27, such as traffic accidents, accidental falls and injuries on the road, etc.; Therefore, it makes sense to buy an accident insurance for yourself, and an accident insurance only costs about 100 yuan a year.

Insurance is to determine a known protection for our unknown future in life, and how to determine our own insurance needs, it is very important to choose the appropriate type of insurance. In this regard, we generally follow the light: return and investment insurance as "light".

Because this type of product is characterized by regular return and investment dividends, it is not of great significance from the perspective of protection, and if you buy this type of product first, it is undoubtedly putting the cart before the horse. Heavy: Adults are the "heavy", and the insurance amount of the family's financial pillar should be "heavy" enough.

From a certain point of view, adults themselves are an "insurance", and only when the insurance of adults is sufficient can the whole family be guaranteed. Slow: Take the child as the "slow".

Chinese parents always think about their children first in everything, and insurance is no exception. Many parents think that if they buy insurance for their children, they will be foolproof, but they don't think about whether it meets their needs. When buying insurance, you should realize that adults are the most important and children are postponed, and buying insurance for children first or only for children cannot achieve the maximum protection effect on children and families.

Urgent: Buying health insurance should be "urgent". Medical costs are getting higher and higher, and it is not uncommon for one person to fall ill and drag down the whole family, so it is best to take out health insurance as soon as possible.

Of course, don't forget that even after you take out the insurance, the policy should be checked regularly every year. All in all, to insure life, and to achieve insurance life, a happy and happy life, you can get a guaranteed reference: Zhonghong long-term insurance worry-free insurance ---** set Zhonghong Jincai life whole life insurance (dividend.