46 year old lady, what insurance is appropriate

Most of the 46-year-old ladies are still one of the breadwinners of the family, and their responsibilities and burdens are very heavy, so it is more appropriate to buy critical illness insurance, million medical insurance, term life insurance and accident insurance.

1. Critical illness insurance.

The age of 40 is a watershed moment, when women's physical functions begin to decline, and minor problems gradually increase. Therefore, a 46-year-old female friend should pay attention to critical illness risk protection.

Critical illness insurance is a benefit-based insurance that will pay a lump sum of money if the insured is unfortunately diagnosed with a contracted illness and meets the conditions for claiming. This money is not limited to the purpose of use, it can be used for ** or as living expenses, etc., which can effectively make up for the financial loss during the insured's illness.

2. Million medical insurance.

Million medical insurance is a reimbursement type of insurance, which can be reimbursed for the expenses within the scope of the contract according to the proportion agreed in the contract. Moreover, the amount of medical insurance is often as high as millions, and many products also come with practical value-added services such as drug fee advance payment and critical illness green pass. With million medical insurance, a 46-year-old lady can have the confidence to accept a better **.

3. Term life insurance.

Considering the support of the 46-year-old female friend to the parents and the responsibility of raising the child, term life insurance is necessary. In the unfortunate event of the death of the insured, the life insurance benefit can provide the family with some financial compensation so that the family can operate normally.

4. Accident insurance.

Accident insurance mainly covers accidental medical treatment, accidental dismemberment and accidental death. A 46-year-old female friend is out for entertainment or busy picking up and dropping off her children, and the risk of accidents is always with her, so it is necessary to buy accident insurance.

Finally, for non-standard bodies with female diseases, the senior sister has also compiled a list of products that can make non-standard women easily insured.

A 46-year-old lady should buy these insurances: critical illness insurance, medical insurance, accident insurance, life insurance. Critical illness insurance and medical insurance can transfer the financial risk of illness to a 46-year-old woman; Accident insurance provides contractual accident protection for a 46-year-old woman; Life insurance can transfer the financial risk left over to the family after the death of a 46-year-old woman.

The insurance strategy for a 46-year-old lady is here: Which insurance is suitable for you at the age of 46?

Hello! 46-year-old women need to choose according to their actual needs to buy insurance, generally speaking, accident insurance, critical illness insurance and endowment insurance are more suitable insurance products. Here's how:

1. Accident risk is always around everyone, 46-year-old women bear more responsibilities, once out of danger, it will bring greater pain to the family, if you can buy an accident insurance as soon as possible, you can pass on the economic risk caused by the accident, and can protect the quality of life of the family is not changed.

2. According to hospital statistics, in recent years, the younger age of female patients with cervical cancer, breast cancer and ovarian cancer has become more and more obvious, and the proportion of single people is higher than that of married people, so it is necessary for 46-year-old women to choose critical illness insurance. When purchasing, you need to pay attention to whether the coverage covers common female diseases, such as breast cancer, cervical cancer, ovarian cancer, female carcinoma in situ, etc. Generally, the cost of **cancer** is 80,000-200,000 yuan, and the ** cost of systemic lupus erythematosus nephritis and severe rheumatoid arthritis is between 50,000-150,000 yuan and 30,000-100,000 yuan respectively.

Therefore, a 46-year-old woman should apply for critical illness insurance with an insurance amount of at least 200,000 yuan.

3. China's social security conversion rate is low, and 46-year-old women should buy a suitable commercial endowment insurance in advance if they want to maintain their living standards before retirement, so as to enjoy a happy old age.

Critical illness, national life or cancer prevention.

When buying insurance, you should first choose social security, and then you can consider commercial insurance, which first considers health, and so on.

Term life insurance. And.

Accident insurance. You can also buy a certain amount of pension insurance as a supplement to the pension.

Critical illness insurance has begun to invert premiums, making it more difficult to insure.

Arnold answered:

Hello! What insurance is good for 46-year-old women to buy is mainly to combine their actual needs and choose the right insurance for themselves

1. Critical illness insurance.

Critical illness insurance is critical illness insurance, 46-year-old women are relatively weak, and they are on the go all year round, the probability of suffering from critical illness increases, and it is necessary to purchase a critical illness insurance.

2. Accident insurance.

There are risks everywhere in life, and if you are not careful, you will be prone to accidents, and it is particularly important to buy accident insurance.

3. Dividend insurance.

Participating insurance refers to a kind of life insurance in which the insurance company distributes the distributable surplus of the previous fiscal year to customers in the form of cash dividends or value-added dividends in a certain proportion after the end of each fiscal year. It is necessary for a 46-year-old woman to buy a yes participating insurance to increase her family income while enjoying protection.

4. Endowment insurance.

It is necessary and unavoidable to consider pension at an age that can make money, and women who are already 46 should buy an endowment insurance, which has both protection and financial management functions and can resist the impact of some inflation. Pension insurance should be purchased as soon as possible, and the earlier you buy, the greater the discount. It is recommended that before you buy endowment insurance, you should calculate how much money you can get per month, how old or how many years you can get, and there are two forms of pension, one is to receive a fixed amount every month, and the other is to increase year by year, which should be chosen according to different situations and economic affordability.

After analyzing the insurance purchased by so many 46-year-old women, I hope it can bring you reference value.