What insurance must be bought in a person s life

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages

You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

For those who are still in a relatively young stage, you can choose critical illness insurance, medical insurance and accident insurance first

How do I buy insurance for someone under 20 years old? Before adulthood, in the period of physical and mental growth and development, it is inevitable that there will be some minor illnesses and pains, so it is necessary to configure a medical insurance; In addition, there are more accidents in the child's growth stage than in other stages, so it is also necessary to have accident insurance to prevent accidental disability or death; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

For friends who are in a relatively young stage, you can choose critical illness insurance, accident insurance, and medical insurance first

How do you buy insurance in your 20s? 20 years old 30 years old, most of them have begun to live independently, at this time the body is young, the spirit is good, is in the highlight of life, can not block their future for some minor illnesses and pains, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the premium required is not high, a month is only a few dozen, it can be considered, in line with this age group friends can see the senior sister beforeDo I need any insurance for 20 years old?

You can take a look at this article.

People in their 30s to 50s are recommended to consider critical illness insurance, life insurance, accident insurance, and medical insurance first

What insurance do I need to buy at 30? At this time, buying insurance is more for your family than yourself. Middle-aged work pressure and life pressure are very high, and the probability of illness is naturally very large, critical illness insurance and medical insurance can provide adequate protection for illness; In the unfortunate event of an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

Friends who meet this age group can watch before the senior sisterWhat insurance do I need to buy at 30?

For how to save money and buy good insurance, the key is to choose the right insurance product.

"What insurance must be bought in a person's life"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Depending on the individual's financial resources, you can buy more if you have the conditions, and you can choose the one that suits you if the conditions are not good. Medical insurance, accident insurance, pension insurance, these suggestions are all bought.

This is a difficult question, and if you have to choose, you must buy a medical insurance plan for illness. People eat whole grains, and there are people who can't get sick, even if you are like a cow now. What's more, the current eating habits, living habits, living environment, etc., are too harmful to people's bodies.

When people are old, the consumption in life can be controlled, but if you have a disease, when you go to the hospital, how much to consume is not something you can decide. So, be sure to have sickness insurance.

It is necessary to buy medical insurance and accident insurance from an early age. Education insurance, marriage insurance if you don't want to buy it, you can not buy it, and then there is pension insurance, which must be bought, and now I don't know whether the children are filial or not, so it is better to plan for yourself. I would like to recommend you a Pacific Life Golden Life.

There are many unpredictable futures in a person's life, such as accidents and diseases, but some of them are bound to happen, such as everyone will grow old. Therefore, accident insurance, medical insurance, critical illness insurance and pension insurance must be purchased, and preventive preparations must be made in advance when the risk does not occur, rather than waiting for the risk to occur and regretting that nothing was done before the risk occurs.

Subject's question: First of all, I would like to share with you a point of view, insurance itself is indeed a good thing, which can help you transfer risks; However, not everyone has to buy insurance in their life, but choose the right insurance based on their own insurance needs.

At present, the insurance on the market is mainly divided into two categories: life insurance and property insurance; Among them, life insurance can be divided into life insurance, health insurance, etc.

If you really don't know much about insurance, you might as well click on this article to learn in advance:Ultra-complete! Everything you need to know about insurance is here

1.Life insurance

The so-called life insurance refers to the insurance that takes the life of the insured as the subject matter of protection; Common life insurance in the market mainly includes term life insurance, whole life insurance, and both-life insurance.

Term life insurance and whole life insurance are both life insurance, but there is a more obvious difference in the protection period; When the insured dies, the life insurance can pay a death benefit for the insured's family to protect the future life.

It is precisely because of this that life insurance is more recommended for adults who need to bear the responsibility of the family's breadwinner.

What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article!

2.Health insurance

As the name suggests, health insurance refers to insurance that takes the health of the insured as the core protection, mainly in the form of critical illness insurance, million medical insurance, cancer prevention insurance and other insurance.

Take critical illness insurance as an example, during the protection period, if the insured is unfortunately diagnosed with the agreed critical illness, the insurance company will directly pay a sum of insurance money based on the conditions for meeting the claim conditions; The point is that there is no limit to how much this insurance money can be used.

Top 10 popular heavy hole jujube Qi disease insurance points worth buying! Hope.

1. First of all, you must buy insurance for the breadwinner of the family. Accident insurance can be given priority to family breadwinners, and it is recommended to set the sum insured at more than 10 times of the annual income. Medical and critical illness insurance are also important considerations for family supporters, and the sum insured should be sufficient when purchasing critical illness insurance.

The cost of major diseases is as little as 70,000 or 80,000 yuan, and as much as more than 100,000 yuan or even higher, and it is recommended that customers with social security should take 100,000 or 200,000 yuan.

2. Secondly, choose a suitable insurance for housewives. In addition, housewives can choose women's special disease insurance for women's special diseases, such as breast cancer, cervical cancer, ovarian cancer, female carcinoma in situ, systemic lupus erythematosus nephritis, etc. When purchasing women's critical illness insurance, it is best to choose a longer payment period to spread the risk.

3. To buy insurance for the elderly, you should first purchase accident insurance and then consider health insurance. Because the probability of accidental injury is higher in the elderly than in other age groups, it is important to purchase accident insurance, especially accidental fracture protection.

4. In the process of children's growth, choose a suitable accident insurance for children. When buying accident insurance for your child, it's best to buy a one-year one. Children's health protection should not be neglected, you can choose the right children's medical and critical illness insurance.

Choose critical illness insurance for your child, and the sum insured should not exceed 100,000 yuan. It is advisable to purchase an accident health insurance policy to have both accident and critical illness protection. In addition, if the family is financially well-off, you can buy a children's shirt or education fund insurance for your child when he is young, so as to save for his child's education in advance.

Extended reading: [Insurance] How to buy, which one is good, hand-in-hand high and rough to teach you to avoid these insurance"pits"

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, health insurance should be considered in a big way. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase), including cooperative medical insurance, and then consider the commercial insurance source as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it, otherwise the shadow is very loud.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

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