What should I pay attention to when buying personal life insurance?

Learn and understand some insurance knowledge first;

secondly, understand the role and significance of insurance; Then identify your own insurance needs;

Finally, you should take out insurance according to your actual needs and financial ability. There are risks everywhere in life, accidental injury, health problems and pension problems are the biggest risks that everyone may encounter at any time, once such a risk is encountered, it may directly affect the fate of a person or a family. (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 medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

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) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If the adults are not protected, no matter how much insurance the child has, it is meaningless, after all, the adult is paying for the child.

When buying personal life insurance, you should pay attention not to fall into some common pitfalls of insurance, before the official introduction, it is recommended that you take a look at this article first, in order to better understand the following text: super complete! Everything you need to know about insurance is here.

First of all, in addition to accident insurance, life insurance such as medical insurance and critical illness insurance all require health notification when applying for insurance. If we conceal our health conditions in this link, we may be denied compensation by the insurance company because we did not tell the truth at the beginning, which will cause us a lot of losses! Therefore, we must tell the truth in the link of health notification, remember not to ask, do not answer, and answer all questions.

In addition to paying special attention to the health notification process when buying personal life insurance, we should also pay attention to screening some "everything can be insured" insurance when choosing insurance. This kind of "universal" insurance claims to do everything with one policy, which can not only meet the basic protection, but also solve the problems of education funds and pensions. However, we must know that it is unrealistic to rely on one insurance to solve all problems, and the protection of this kind of insurance is often insufficient, and it is not enough to help us transfer all economic losses when risks such as illness and accidents come.

In fact, there are only the above two points to pay attention to when buying personal life insurance, because of the length of the senior sister can only be introduced here, interested partners can take a look at this article: [insurance] which is good, how to buy cost-effective, hand in hand to teach you to avoid these pitfalls of insurance.

First look at whether there is social security, accident insurance, medical reimbursement, critical illness protection, and if you have a mortgage, you should also add term life insurance, which are all solved and then consider pension. There are also many ways to provide for the elderly, traditional pension, omnipotent, these have very poor returns, about 4% (you can check on the Internet, the rate of return of large companies is not high), basically can not resist inflation. I still choose the way of regular investment, but the water here is also very deep, and there is basically no domestic one with a good rate of return, because the investment is in A-shares, at this level.

Or consider the world's ** fixed investment, pure imports.

It depends on the actual situation of the individual

If you have been working for a short time, your income is not high, and you have to pay by yourself, accident insurance is preferred, and medical insurance is added. The payment is not high, a few hundred yuan a year, and there is a basic accident protection and medical insurance. Recommended: Ping An Accident Insurance + Accidental Injury Medical + Hospitalization.

If you are a family member, or if your own conditions are okay, you can choose a little whole life insurance, both participating and universal can be, and the amount of insurance and payment are determined according to your own economic strength. Recommended: Ping An Universal Insurance + Accidental Injury Medical + Hospitalization.

Usually, it is reasonable for families to pay 10% or 15% of their annual household income in annual premiums. It is difficult to explain the specific insurance type, payment, data and insurance terms on the Internet in three or two sentences, so it is recommended that you consult the salesman of the local company directly.

You don't need to pay attention to anything, according to your own needs, as long as you buy the right product, the products of each insurance company are similar, there is not much difference.

Generally speaking, personal accident insurance is cheap, has a high degree of protection, and is loved by most people, and is an insurance product suitable for all ages. When purchasing, consumers need to choose a personal accident insurance product that is most suitable for them based on their own protection needs and economic income. Of course, it is also necessary to avoid some misunderstandings about the purchase of personal accident insurance.

First of all, there is no hesitation period for short-term personal accident insurance, so consumers cannot enjoy the benefits of unconditional surrender during the hesitation period. Secondly, not all accidents are compensable, and the insurance company is only liable for accidents that are covered by the insurance. In addition, the amount of claims for accident insurance is not the sum insured, and needs to be judged based on the actual loss of the insured.

According to the latest ranking of insurance companies in 2015, domestic life insurance companies mainly include: Ping An of China, Chinese Life, China Insurance, Dadi Insurance, Anbang Property Insurance, Zhongyi Insurance, Zhongan Insurance, MetLife MetLife, Lujiazui Cathay, United Life Unionlife, China Post Insurance, ICBC AXA, Huatai Property Insurance, Tianan Insurance, Huaxia Insurance, Yingda Life, Yongan Insurance. (in no particular order).

Dear, you refer to it.

What problem are you trying to solve? Is it a serious illness, a medical supplement, or a financial compensation? Insurance is a tool that will generate different combinations according to the different realities of each person and each family, and then solve the problems and risks that need to be solved.

Solve serious illnesses: critical illness insurance, millions of medical treatment.

Major Liability Period: Life Expectancy.

If you are old and cannot buy a critical illness, you can buy cancer insurance.

If there is already a problem with the body, it needs to be underwritten, and if it is very serious, you may not be able to buy insurance.

Therefore, insurance is not how to buy the right one, but how to buy it to solve the problem you want to solve.

The cheap one is suitable, but it doesn't solve the problem, and the money is still a lot to spend, do you say it's not this reason?

Go to the human resources and social security to buy an endowment insurance, that is the most secure.

Generally speaking, when we buy insurance, we need to analyze it according to our own needs and economic situation, and the most important thing is to choose the most suitable insurance product for us. If you want to know more about insurance, remember to check out this articleUltra-complete!

Everything you need to know about insurance is here.

Like life insurance, it is mainly divided into health insurance, life insurance and accident insurance. For us, it is generally best to buy insurance first and then manage money, and when we have configured protection insurance, we can appropriately allocate insurance products with financial nature.

Before buying insurance, we must pay attention to the contract terms of the insurance product and be familiar with the content of the contract, so as not to make detours. For example, we need to understand whether the protection content of the product is complete, whether the payment period is flexible or not, whether the waiting period is short, whether the health notice is lenient or not, and so on.

If we buy health insurance products such as critical illness insurance and medical insurance, we must pay attention to health notices, and generally speaking, the wider the health warning, the higher the probability that we will be successfully insured. Want to know what tips are available for health notification? You can check out this article to learn:

What are the tips for health notification when applying for insurance?

Some friends may think that you need to do a physical examination before buying insurance. First of all, if the insurance company does not clearly stipulate that a medical examination is required, then we do not need to go for a medical examination. Moreover, in general, the senior sister also recommends that you do not go for a physical examination before buying insurance, because the results of the physical examination may affect our insurance.

Look

It is recommended to buy protection insurance, such as accident insurance and medical and health insurance, and then choose the right financial insurance according to your own economic ability, it is recommended that you choose the right insurance according to the actual situation of the insured to the insurance company or a special insurance platform.

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

Life accident risks are everywhere, everyone needs insurance, in order to fully protect you, it is necessary to get a suitable life insurance in a timely manner, the so-called life insurance is a kind of insurance with people's life and body as the subject of insurance. How to buy life insurance reasonably.

According to the different insurance liabilities, life insurance can be divided into life insurance, personal accident insurance, and health insurance. As for how to buy life insurance, you can focus on the following:

1. Pay attention to the scope of protection and the amount insured. The coverage of each product is different, and the amount of each coverage is also different.

2. When choosing a commercial life insurance company, the first thing to look at is solvency, the solvency of the company 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.

3. When selecting commercial life insurance products, the best factors should be scientifically compared, and "the two should be better than the other"; Then, compare the conditions such as coverage and exclusions of long-term life insurance products, and pay special attention to the different conditions such as "observation period" and "deductible days". To purchase worry-free life insurance, the choice of formal insurance platform is very important, and the life insurance products provided by many well-known insurance companies are integrated. Lucky Life Annual Comprehensive Protection Plan Benefits:

Accidental death, disability insurance 200,000 yuan * accidental injury medical treatment 20,000 yuan (100 yuan deductible, 80% compensation) * additional aircraft accidental injury 600,000 yuan, etc.

The traffic accident protection with the accumulated compensation of ordinary accidents is as low as: 234 yuan PICC life insurance carefully selected term life insurance protection content: * up to 1.5 million critical illness cancer protection * 500,000 yuan of insurance benefits will be paid immediately upon death * sixth-class rate, **cheaper minimum monthly cost:

$50 public white-collar health series coverage: * accidental death, disability, burns, medical treatment, hospitalization allowance, * critical illness insurance benefit, public transport accident as low as: 350 yuan.

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

Because the policyholder already has high blood pressure, myocardial blockage and other diseases before applying for insurance, if you apply for insurance, you need to spend a lot of money to enter the insurance.

And in small places, probably only Chinese life insurance can be handled. If you choose to take out life insurance, you can consider a slightly simpler and cheaper life insurance, but although this kind of insurance has a low insurance amount, there is a waiting period, and the accident insurance company can not only not pay for the accident during the waiting period, but also terminate the contract.