What insurance is good for a 40 year old woman to buy, and what is the best insurance for a 40 year

Daddy recommends that 40-year-old women take out accident insurance, medical insurance, life insurance and critical illness insurance depending on their own situation.

Women bear many responsibilities that men can't bear, and the pressure is naturally different from that of men, so how should women match insurance, please see this article "Insurance Strategy for Adult Women, How to Buy Insurance?" 》

Because as the age increases, the premium of life insurance increases, and the health notice of critical illness insurance will become more and more stringent, there may be certain difficulties when applying for insurance, while accident insurance and medical insurance are relatively simple, and the use is relatively large.

1. What issues should women pay attention to when buying insurance?

1.Insured according to physiological characteristics.

As mentioned earlier, due to the special physiological structure, women will face the risk of disease and childbirth, so women should be insured according to their own physiological characteristics, so that they can be fully protected.

2.Protect first, manage later.

In life, some people have the heart of heavy financial management and light security, in fact, this kind of heart is not correct, if life and health are gone, then what is the meaning of financial management.

Therefore, when we configure insurance for ourselves, we must first buy protection insurance, and then purchase financial products reasonably according to the economic situation after our own life and health are protected.

3.Different ages, different insurances.

Women are different from men, there will be a stage of childbearing, and the responsibilities before and after childbirth are not the same, so the demand for insurance is also different, and women need to buy insurance in the adaptation stage.

If there are no special circumstances, it is generally better for a 40-year-old woman to buy insurance like this: critical illness insurance + million medical insurance + term life insurance + accident insurance.

1. Critical illness insurance.

Critical illness insurance is mainly an insurance that provides protection for critical illnesses, if you buy a critical illness insurance, and the contracted illness occurs during the coverage period and meets the conditions for claims, then the insurance company will pay the insurance money according to the agreement, and the insurance company will not care about you if you use it to pay the ** fee or leave it to your children.

If you don't know how to choose critical illness insurance products, you might as well take a look at this collection of critical illness insurance products specially designed for 40-year-olds: recommended for 40-year-olds, top 10 cheap and affordable critical illness insurance points!

2. Million medical insurance.

Million Medical Insurance, like the medical insurance we purchase, is to reimburse the cost of our illness**. However, its reimbursement amount is higher than that of medical insurance, and many millions of medical insurance also contain the value-added service of "cost advance", which can help us pay in advance first, so that we can rest assured.

3. Term life insurance.

At the age of forty, most people are the breadwinners of the family, and they are burdened with car loans and mortgages, and if they unfortunately die at this time, then the pressure of these debts will have to be borne by the family. If you buy term life insurance, if you die and receive compensation during the insurance period, this insurance benefit can well relieve the financial pressure of the family and ensure the normal life of the family.

4. Accident insurance.

Accidents, no one knows when it will happen, and anyone on and off the way to and from work may encounter traffic accidents, so it is very important for everyone to configure accident insurance.

Generally speaking, a 40-year-old woman is financially stable enough, but faces an increasing risk of illness, which makes it a good fit for health insurance.

The age of 40 is also an age with a high incidence of critical illness, so you can consider purchasing critical illness insurance to protect against the risk of critical illnesses that pose a greater threat to health, such as breast cancer, uterine cancer and other critical illnesses that are common to women. In addition, as physical fitness is also declining, the proportion of medical expenses in daily expenses will continue to increase, so you can consider purchasing medical insurance to reimburse medical expenses, which is also an effective supplement to social security. Medical insurance is purchased in conjunction with critical illness insurance for more comprehensive protection.

In addition to health insurance, it is also suitable to purchase accident insurance. The risk of accidents is beyond our control, and no one can predict it, so we can only prepare an accident protection for ourselves.

With critical illness insurance, medical insurance, and accident insurance, the basic protection for 40-year-old women is relatively complete. If the budget is sufficient, you can also consider buying annuity insurance for yourself to ensure that the quality of life after retirement in the future will not be reduced, so that the pension in old age is more secure.

If you have any other insurance questions, please come: more insurance fish talk about insurance! ，

40-year-old women can buy: critical illness insurance, million medical insurance, accident insurance, life insurance.

1. Critical illness insurance.

Critical illness insurance is critical illness insurance, as long as it meets the conditions of the disease agreed in the contract, such as malignant tumors, acute myocardial infarction, sequelae of stroke, etc., the insurance company will pay a lump sum, the essence of critical illness insurance is "income loss insurance", the claim is not limited to the purpose, can be used for treatment, repayment of mortgage, pay for children's education, etc.

2. Million medical insurance.

If you are sick and hospitalized, you can be reimbursed for outpatient expenses, hospitalization expenses, and surgical expenses incurred in medical treatment. Adults are recommended to configure millions of medical insurance, buy at the age of 30, and you can configure 2 million insurance for about 300 yuan, and the protection leverage is very high.

3. Life insurance. Life insurance is very simple, death can be paid, including death due to illness or accident, natural death, sudden death, family economy is recommended to configure a term life insurance, to protect until retirement, so that the risk of death can be transferred to the insurance company, 30-year-old men buy a term life insurance, protect until retirement, a budget of about 1000 yuan.

4. Accident insurance.

We don't know which will come first, tomorrow or the accident, so we need to prevent it in advance. Accident insurance covers the following: accidental medical treatment, accidental death and accidental disability, and hospitalization due to accidental fall while playing golf, which can be reimbursed through accidental medical treatment; The insurance company will compensate for the disability caused by the accident according to the compensation ratio agreed in the contract.

Test your anti-risk index, experts will interpret it for you for free!

For women in their 40s, their dads recommend buying medical insurance, accident insurance and life insurance, as for the reasons, please see below.

Adult women bear many responsibilities in the family, the pressure is self-evident, how to build a security system for yourself is very important, here is a guide, you put away the "adult women's insurance strategy, how to buy insurance? 》

As women in their 40s are at increasing risk of illness, are financially stable, and are at the most suitable age for health insurance, they may consider taking out critical illness insurance for women. In this way, it protects against common diseases such as breast cancer and uterine cancer in women.

In addition, as physical fitness and other aspects are also weakening, the proportion of medical expenses in daily expenses will continue to increase, so you can consider purchasing hospitalization medical insurance or accident medical insurance, which can effectively supplement social medical insurance. And when purchased in conjunction with critical illness insurance, it can play a role in comprehensive protection.

What problems do you want to solve according to your individual needs?

As a 40-year-old woman, you must plan your own medical security and save for your retirement plan in advance.

There are two parts to medical coverage.

The first part is: medical expenses. The current age group costs about 1,000 yuan per year, and the basic medical expenses are 3 million yuan, and the cancer can be used up to 6.05 million yuan. This part can cover the medical expenses of the hospital for us.

The second part is: ** expenses and the cost of living for the family. Determine the amount of coverage according to your own income situation, and the reasonable amount is (** at least 3 times the income of expenses, and at least 10 times the income of the family's living expenses).

This part can provide us with ample ** expenses and living expenses for our future families!

Retirement planning. Pension reserves need to be determined according to their retirement age and the quality of life after retirement.

If you choose to retire at 55:

120,000 yuan is needed every year, and the total pension required for 25 years from the pension reserve to the age of 80 is (12x25=3 million).

60,000 is needed per year, and the total amount is (6x25=1.25 million).

According to the amount of pension required in the future, the amount of insurance premiums that need to be saved each year is calculated!

If a forty-year-old woman has a good income and no other insurance, it is recommended to choose a dividend-paying annuity pension insurance with a critical illness combination, so that the serious illness is an independent insurance amount, even if the claim does not affect the later pension collection! It's important to dedicate money to this one!

If you have an average income and family pressure, you can choose whole life insurance with additional critical illness, protect yourself from illness, and realize cash to supplement your pension in the later stage of illness! It is a serious illness and pension can only be used as one responsibility! For example, Xinhua's Fushou Ankang Portfolio and Pacific's Golden Life Portfolio!

Protect 35 types of critical illness and life insurance, increase protection, increase dividends, and supplement pension in the later stage!

Generally speaking, if you have not bought insurance, you should pay attention to critical illness insurance now, because women in this age group are at a high incidence of critical illness. If you don't have Social Security, it's also important to have inpatient medical insurance that covers out-of-pocket medications. Don't forget to have enough accident insurance.

Buying insurance is to buy protection, according to your situation it is recommended to improve social security, and then you should strengthen the care of serious illnesses, strengthen the double protection of accidents, supplement the lack of medical treatment, and also strengthen financial management, pension savings products.

A serious illness or accident at the age of forty can easily bring a well-off family back to the original point in an instant.

So it is essential to buy the necessary insurance, just in case.

But buying insurance at this age is actually difficult to choose. Because I am already middle-aged, my physical fitness at this age is much worse than before, and if you get sick, such as high blood pressure, some insurance cannot be bought. Here I have compiled a list of insurance plans suitable for 40-year-old women:

[40-41 years old] which insurance is suitable to buy

It includes critical illness insurance, life insurance, accident insurance, and medical insurance that must be bought at this age, and you can take a look if you need it.

1. Critical illness insurance.

Critical illness insurance is primaryProvide yourself with health protection in the unfortunate event of a serious illness, for example, it is highly prevalent at this ageBreast cancer, cervical cancerWait, at this time, the insurance company will pay you a sum of money, and you can use these insurances to get better conditions and increase the likelihood. The money will be given to you in a lump sum, insurance companies alsoI don't ask what you're for, at your disposal.

At this age, you need to buy critical illness insurancePriority for lifetime purchases, directly guaranteed for a lifetime. If you have a really limited budget, you can purchase long-term critical illness insurance, such as:Buy until 70 years old。Because as you get older, the premiums will get more and more expensive.

So I recommend that you buy critical illness insurance as soon as possible, here are a few critical illness insurance suitable for 40-year-old women, it is recommended to collect:Recommended for you around 40 years old, top 10 cheap and good price critical illness insurance points!

2. Life insurance

Life insurance is when something bad happens to your family's breadwinnerProvide financial compensation for the financial burden of your family。This means that when you unfortunately pass away, you can leave a sum of money for the old and young people in the family to live.

People around the age of 40 are already in the final period of buying life insurance, and it is very uneconomical to buy it after this period. If you have enough budget, buy oneWhole life insurance

3. Accident insurance

Accident insurance everyone understands, protect against accidents. However, when you buy accident insurance, you should focus on the accident medical area. BecauseThere are some accident insurance medical reimbursement that is covered by Social Security, those items that are not reimbursed by social security, accidental medical treatment will not be reimbursed to you.

This kind of accident insurance is very cost-effective to buy quickly.

The cost-effective accident insurance ranking is here, you can take a look if you need it:Ultra-complete! Comparison table of popular domestic accident insurance

4. Medical insurance

Medical insurance is used to reimburse the expenses incurred in the medical process. CompareIt is recommended that you buy a million medical insurance, buy a million medical insurance, millions of reimbursements,It's only two or three hundred dollars a yearIt's a good deal.

No social security advice for youBuy social security first and then buy commercial insurance。After all, social security is a national welfare policy, and the conditions for insurance are very low and cheap.

A 40-year-old woman, whether it is a man or a woman, if you are single, then buy a pension, if you believe in a person who has your own family, then buy a medical treatment, as long as the family conditions are good and prepared, do not buy any insurance.

Hello! Glad for your question, it is suitable for a woman in her forties to buy critical illness insurance, because it is easy for a person to get a critical illness at this age.

Medical and accident insurance, there is also insurance, don't think about what dividends to return to what branches, you just look at what you can get once an accident happens, this is the most critical.

For a 40-year-old woman, it is recommended to configure medical insurance, critical illness insurance, life insurance, and accident insurance. For those who don't have time to read the following, you can first collect this super practical insurance strategy formulated by age:How to buy insurance for different age groups?

Everyone should have their own plan

First of all, life insurance is mainly used to transfer the financial losses caused by the death or total disability of the breadwinner of the family. A 40-year-old woman is usually an important breadwinner of the family, so it is still necessary to allocate a life insurance policy to protect herself and her family. For those with a limited budget, you can opt for term life insurance, which can cover the stage when you need to take on family responsibilities.

For those who have sufficient budget and financial needs, they may wish to consider allocating increased whole life insurance. Senior sister here is a list of ultra-high-yield increased whole life insurance, you can refer to it:Freshly baked!

Don't miss out on the top 5 high-yield incremental whole life insurance!

Secondly, everyone is equal in the face of accidents, and accident insurance can transfer the economic losses caused by accidents, so it is very suitable for 40-year-old women.

Finally, medical insurance can reimburse reasonable medical expenses agreed in the contract, so it can be a powerful supplement to medical insurance. If you want to be more protected, you may wish to consider the million medical insurance, which not only can reach millions of dollars, but also excellent products will come with value-added services to help us solve the problem of expensive and difficult medical treatment.

Critical illness insurance, on the other hand, mainly covers critical illnesses, and its role is to provide medical expenses and compensate for loss of income. When women apply for critical illness insurance, they can give priority to critical illness insurance with specific female diseases, which is also more comprehensive. Senior sister has compiled a list of critical illness insurance that is super suitable for women, you may wish to refer to it:

Inventory of the top 10 critical illness insurance that women are worth buying! Hope!