How much does it cost to buy Chinese life insurance for a year?

1.Age is the primary consideration.

2.The premium should be 10%-15% of the annual income, and the sum insured should be set at 6-10 times the annual income. However, it should be analyzed on a case-by-case basis.

5.Under the premise of social security, plan commercial insurance, with a focus on accidents and critical illnesses. Social security and commercial medical insurance, can not be reimbursed repeatedly, remember.

6.At the same time, pay attention to the security of family members, protect the people around them as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.

7.It is important to prioritize the protection of the main income earners of the family as much as possible.

8.Recommended: Ping An Talisman Participating Insurance, Ping An Outsmart Life Universal Insurance, Ping An Fu Whole Life Insurance.

9.My personal advice is to communicate extensively and effectively with ** people, after all, face-to-face communication is the most direct and effective. If necessary, you can also directly call the customer service of the relevant insurance company** for verification and consultation.

Hello, the rate of commercial insurance is related to your personal age, physical health, gender, occupation and other factors, here your question is not unanimously answered, it is recommended that you still combine the actual situation of the individual to the insurance company or a special insurance platform to compare and ask, or you can also refer to this link:

Summary. Hello dear, life insurance term life insurance is about 700 1000 yuan a year, and whole life insurance can be more than ten times more expensive. Taking Dinghaizhu No. 2, the "king of cost performance" in Dingshou, as an example, a 30-year-old man is insured for 30 years until retirement, and it is only 1068 a year.

In the event of unfortunate death, you can get 1 million insurance compensation, which can be used to cover the family's mortgage and car loan expenses, and help the deceased complete the responsibility of supporting the elderly and raising children.

How much does life insurance generally cost a year?

Hello dear, life insurance term life insurance is about 700 1000 yuan a year, and whole life insurance can be more than ten times more expensive. Taking Dinghaizhu No. 2, the "king of cost performance" in Dingshou, as an example, a 30-year-old man is insured for 30 years until retirement, and it is only 1068 a year. In the event of unfortunate death, you can get 1 million insurance compensation, which can be used to cover the family's mortgage and car loan expenses, and help the deceased complete the responsibility of supporting the elderly and raising children.

Whole life insurance** is expensive, taking a 30-year-old man as an example, 1 million sum insured, and the annual premium is about 10,000. For ordinary families, the pressure to buy whole life insurance is very high. Therefore, whole life insurance is more suitable for entrepreneurs or high-net-worth individuals to buy as a way to inherit assets and increase wealth.

Extended knowledge: Life insurance is a kind of life insurance, which takes the life of the insured as the subject of insurance and the life or death of the insured as the condition of payment. As with all insurance businesses, the insured passes the risk to the insurer, accepts the insurer's terms and pays the premium.

Unlike other insurances, life insurance passes on the risk of survival or death of the insured.

Since there are many life insurance products on the market, different products, insurance age, payment period, insurance amount and other factors will affect the cost of insurance, so there is no standard answer to how much you need to pay for life insurance in a year, and it must be analyzed on a case-by-case basis.

Life insurance refers to insurance that takes the life of the insured as the subject of insurance and the life or death of the insured as the condition of payment. It can be divided into survival insurance, death insurance, and both.

It is estimated that there are many friends who do not know much about the insurance, in fact, the insurance is both life and death, regardless of the protection period, whether there is death or not, and finally have the opportunity to get the insurance money.

If you want to know more about the insurance, you can take a look at this article: about the insurance, the salesman will definitely not tell you!

Before applying for life insurance, we should pay attention to the insurance terms, such as how to pay for death, how to apply for insurance benefits, etc., and then carefully consider whether the product meets your needs, and it is very important to choose enough insurance amount, so that the insurance money you get when you are in danger can solve the difficulties you face.

If you don't know how to choose the amount of insurance, you may wish to check out this article: How much insurance is appropriate? Let's talk about the doorway inside.

How much money to pay for life insurance in a year should also be analyzed according to the specific product.

After all, the premium of each life insurance product is different, and there are many factors that can affect the premium, such as: the age of the insured, whether there is additional protection, the sum insured, etc.

It depends on what type of insurance you buy.

According to the official website of Chinese Property Insurance Company, the cost of life insurance purchased for one year as of January 15, 2020 is a minimum of 136 yuan per year.

The insured content is 2 million yuan for general medical insurance, 2 million yuan for malignant tumor medical insurance, and the coverage is reimbursable for special outpatient clinics and outpatient surgeries, and the hospital scope is the general department of public hospitals at or above the second level, with a compensation ratio of 100% and a waiting period of 30 days.

According to the price of your car and what kind of insurance you have to buy, the general insurance has compulsory insurance and commercial insurance, there is no discount in the first year, the cost of the whole insurance is directly related to the first vehicle and the type of insurance, taking the current majority of families to buy about 100,000 economic cars as an example. The premium for the first year is about 5,500 yuan to 7,000 yuan. In the second year, if there is no car insurance in the previous year, the insurance company will have a discount, and the premium for all insurance is about 4,000-5,000 yuan.