I m 32 years old and want to buy insurance, can you recommend it, thank you

Xueba talks about insurance, focusing on insurance evaluation! What kind of critical illness insurance is suitable for 32-year-olds? Just compare it and find out!

Generally speaking, 32-year-old people are the pillars of the family, with both parents and children to raise, and at the same time to repay the car loan and mortgage, and the work pressure is not small, and any risk may lead to a crisis in the family, so for people of this age, it is urgent to buy insurance to transfer the risk.

So how do people at this age configure insurance for themselves? The recommendations are as follows:Critical illness insurance + medical insurance + accident insurance + term life insurance

1.Critical illness insurance

Nowadays, critical illness is no longer exclusive to the elderly, and the risk of critical illness for 32-year-olds is much higher than in the past. Many serious illnesses take a lot of time, and the later expenses and lost work due to illness are also indispensable. Therefore, critical illness insurance needs to be configured first.

2.Medical insurance

It is not enough for people at this age to buy critical illness insurance, but also to prevent minor illnesses and disasters with a high incidence in life. Buy a million medical insurance, with a premium of a few hundred yuan a year, you can enjoy millions of protection, and solve the part that cannot be reimbursed by medical insurance. In order to avoid detours, I stayed up late to compile a list of super cost-effective medical insurance for millions of people, and poked the blue word to view:

Freshly baked! Suitable for 1 million medical insurance points to buy around 32 years old

3.Accident insurance

You never know which will come first, the accident or tomorrow, although this is a sentence that is about to be said rotten, but it is true. Accident insurance is a universal insurance for all ages, and it is also very cheap. Once an accident happens at this age, who will feed a large family?

Therefore, it is very necessary to configure accident insurance.

4.Term life insurance

At this age, while supporting your parents, you also have to raise children, repay car loans and housing loans, and complete health protection, death protection is also very important. In the unfortunate event of death, it will be a heavy blow to both parents and wife and children, and life insurance can partially assume your responsibility for taking care of your family, leaving a minimum of financial compensation to protect your family's life. Hope!

The annual premium is about 10-15% of the annual income, which is reasonable!

The most basic insurance package for children, in a nutshell, a one-year-old baby example:

1. If you invest in education funds for children, pay a total of 100,000 yuan in 15 years, then you can receive more than 10,000 yuan when your child reaches high school and college, you can receive 50,000 yuan when you get married, and there are more than 70,000 yuan in the account at this time, if you receive a pension after the age of 60, you can receive more than 5,000 per month, and a total of 1.2 million in 20 years! After the age of 80, there are still about 200,000 in the account! By the age of 100, there will be 680,000 in the account!

Get your premium back every 3 years!

2. In addition, there is a comprehensive accident hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days!

Commercial pension insurance, in a nutshell, 25-year-old example:

1. Choose investment and financial dividend-paying pension insurance, and the long-term considerable rate of return is considerable!

2. Suppose you apply for a pension insurance with financial dividends, the amount of insurance is 50,000 yuan, and the guarantee is lifelong, and it is saved for 15 years, with a total of 80,000 yuan! 8% of the sum insured every 3 years, for life! Then you have 350,000 yuan in your account when you are 59 years old, 20,000 yuan a year for a pension at the age of 60, a total of 400,000 yuan in 20 years, 160,000 yuan in the account when you are 80 years old, and 550,000 yuan in your account at the age of 100!

3. Additional regular repayment critical illness insurance and comprehensive accidental hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements.

Example of insurance for a twenty-five-year-old woman (suitable for white-collar housewives too):

Women's Critical Illness Maternity Protection Plan, lifelong protection, insurance liability: death, total disability, return of survival money, annual dividend, 15 major diseases, women's diseases, maternal and child protection illness insurance. The insured amount is 180,000 yuan, the payment is 20 years, a total of 210,000 yuan is saved, the insurance company rewards 1,000 yuan when giving birth, 10,000 eight cash is received on the 9th and 18th contract anniversaries, and there are 580,000 yuan in the account when you are 88 years old, and 820,000 yuan in the account when you are 100 years old.

It can be attached to comprehensive accidental hospitalization medical insurance, including all accidental hospitalization medical treatment, etc., there is no limit on the number of reimbursements, and the waiting period for hospitalization is only 30 days!

Go to regular big brand insurance companies for consultation, such as Ping An of China and Chinese Life.

For 32-year-olds, there are four types of protection insurance: critical illness insurance, million medical insurance, life insurance and accident insurance.

As for which insurance product is worth buying, it is recommended that you take your actual protection needs as a factor and select the products that are suitable for you.

The following senior sister will take the 32-year-old group insurance as an example to tell you about the matters related to insurance.

As far as a person is concerned, birth, old age, sickness and death are unavoidable, but for diseases, everyone can intervene through medical means; For example, if a 32-year-old suffers from a serious illness such as a malignant tumor, there is a chance to recover if he receives ** in time.

Because as far as the current medical technology is concerned, cancer can be achieved by means such as proton and heavy ion technology, and the postoperative survival rate is still quite impressive, but this requires a lot of money to support it; It just so happens that critical illness insurance and medical insurance can solve everyone's problems in this regard.

Because under the eligible claim, the million medical insurance can reimburse most of the medical expenses, while the critical illness insurance pays a sum of insurance directly to the insured.

Therefore, it is very important for 32-year-olds to buy critical illness insurance and million-dollar medical insurance to protect their health.

Second, most 32-year-olds need to gradually take on family responsibilities such as supporting their parents, even if they do not have a family. That also means that 32-year-olds need to plan ahead not only for themselves, but also for their families.

Therefore, it is also necessary for the 32-year-old Terran to consider life insurance; If you have an average insurance budget, you can consider allocating term life insurance.

In addition, 32-year-olds may also suffer accidental injuries, after all, accidents are everywhere and can happen at any time, plus a short-term accident insurance is not expensive, you can consider taking one. Hope!

Hello! When you buy insurance at the age of 32, you should choose according to your needs, so as to buy the most cost-effective product. Generally speaking, accident insurance, health insurance, and pension insurance are indispensable. The specific plan is as follows:

1. There are unforeseen circumstances in the sky, and people have good and bad luck, so 23-year-olds should give priority to accident insurance. The amount of coverage can generally be recommended to be 5-10 times of the annual income to ensure that in case of an accident, the family can have enough future living expenses.

2. At present, many 32-year-old people are in a sub-health state, so it is necessary for 32-year-olds to choose a suitable medical and critical illness insurance. At present, the average cost of critical illness is about 100,000 yuan, so the insurance amount is more moderate between 100,000 yuan and 200,000 yuan.

People are in the first period of struggle in life, but they must also plan for the future pension life, so a suitable pension insurance can not be missing.

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

Hello! There are various insurance purchase channels, you can directly go to the insurance company to contact the corresponding insurance personnel for consultation, or you can go to the corresponding insurance platform, combined with your actual situation, according to the actual protection needs to choose to purchase the right protection.

Under normal circumstances, it is recommended to give priority to improving the protection responsibilities of accident insurance, accidental medical treatment, critical illness, health care and other aspects when purchasing a suitable insurance product, and then make a comprehensive comparison and selection according to the actual economic ability of the individual.

If the risk is relatively light, you may wish to choose a consumer-based comprehensive insurance card, and you can get the necessary living security with only a few hundred yuan of expenses.

Insurance is a necessary investment for people, and if the economic conditions permit, it is recommended that you choose a suitable commercial insurance according to the actual situation to avoid possible accidents or diseases. In general, for individuals, the sooner they buy insurance, the better.

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

A 32-year-old person is usually the backbone of the family, bearing the living expenses of the whole family, in addition to paying off the car loan and housing loan, the pressure of work is not trivial, and any risk may bring a crisis, so for people of this age, the best way to share the pressure is to buy insurance for themselves.

Getting back to the point, how do people at this age configure insurance for themselves? In general, you can configure the following:Critical illness insurance + medical insurance + accident insurance + term life insurance

1.Critical illness insurance

Nowadays, the disease has tended to be younger, and 32-year-olds should prevent the risk of serious illness, in case of unfortunate serious illness, it is equivalent to "the risk of the sky falling". Many serious illnesses are a protracted battle, and there are also expenses in the later stage and lost work due to illness that must be considered. It has to be said that critical illness insurance must be configured.

There are many good and bad critical illness insurance products on the market, and it is not easy to choose the right oneDesigned for 32 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020!

2.Medical insurance

3.Accident insurance

We never guess who will come first tomorrow or the accident, and although this is a sentence that is about to be said to rot, it is true. Therefore, accident insurance should be the insurance that everyone needs, not to mention that it is very cheap. People at this age do not allow themselves to make any mistakes, and once an accident occurs, the responsibility of raising the family cannot continue.

Therefore, it is important to have an accident insurance in place.

4.Term life insurance

At this age, you need to pay off your car loan and housing loan while supporting the elderly and raising your children. In the event of unfortunate death, it is a heavy blow to both parents and wife and children, and buying life insurance can leave a minimum of financial compensation and give the family a guarantee when they can no longer continue to fulfill their responsibilities.

Standing in their thirties, 32-year-olds are usually the main pillar of the family, bearing the living expenses of the whole family, in addition to repaying the car loan and mortgage, in addition to the pressure from work is also very large, any risk may lead to a crisis in the family, so for people of this age, if you want to share the pressure on yourself, buying insurance is a good choice.

So what kind of insurance is better for people of this age? In general, you can configure the following:Critical illness insurance + medical insurance + accident insurance + term life insurance

1.Critical illness insurance

In today's society, serious illness is no longer synonymous with the elderly, and the risk of serious illness for 32-year-olds is much higher than in the past. Moreover, serious illness is not a matter of one or two days, and there are also later expenses and lost work due to illness that must be considered. So, hurry up and configure yourself with a critical illness insurance protection.

2.Medical insurance

3.Accident insurance

Accidents are everywhere, and we can never **, although this is a sentence that is about to be said rotten, but the truth is correct. Therefore, accident insurance should be the insurance that everyone needs, and it is very close to the people and can afford it. At this age, once an accident happens, the responsibility of raising the family cannot continue.

Therefore, it is very important to have an accident insurance policy.

4.Term life insurance

At this age, you not only have to bear the living expenses of your family, but also have to repay a high car loan and housing loan. In the event of unfortunate death, it will be a heavy blow to both parents and wife and children, and after buying life insurance, it will not let the family bear huge financial pressure, at least it can leave a guarantee for them.

Ping An's outwitting life is very good, Ping An of China has nearly 10 million customers have chosen this product, flexible payment, adjustable insurance amount, can provide value protection, critical illness protection, accident protection, etc. when you are young, and you can also provide for the elderly when you are old!

What is your gender? Occupation? Smoking?

Do you want to start a family? Have children? What is a personal monthly disposable income?

Are there any other commercial insurances besides social insurance? Four major insurance accounts: 1. Accident, medical 2, critical illness protection 3, pension 4, investment and financial management.

What do you focus on? Tell us how you did it, and we'll take our time.