My dad is 49 years old this year, what is the most cost effective insurance to buy, is it appropriat

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages

You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

For those under the age of 20, critical illness insurance, medical insurance and accident insurance can be the first choice

How do I buy insurance for someone under 20 years old? People who are less than 20 years old are in the period of physical and mental growth and development, and it is not surprising that there is a little illness and pain on the body, so it is necessary to have medical insurance to reimburse medical expenses; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so you can consider purchasing an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

It is recommended that people in their 20s and 30s consider critical illness insurance, accident insurance, and medical insurance first

How do you buy insurance in your 20s? 20 years old 30 years old, most of them have begun to live independently, at this time the body is young, the spirit is good, but no one is tomorrow and the accident which will come first, in order to make themselves feel at ease, parents rest assured, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, in fact, it doesn't cost a few dollars, a month is only a few dozen yuan, it can be considered, in line with this age group friends can see the senior sister beforeWhat kind of insurance is good for children in their 20s?

You can take a look at this article.

If you are between the ages of 30 and 50, you can choose from critical illness, life, accident and medical insurance

What insurance do I need to buy at 30? At this time, buying insurance is more for your family than yourself. Middle-aged work pressure and life pressure are very high, and the probability of illness is naturally very large, critical illness insurance and medical insurance can provide adequate protection for illness; If the breadwinner of the family falls due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

Friends who meet this age group can watch before the senior sisterWhat insurance do I need to buy at 30?

For how not to choose the best insurance for yourself, the key is to choose the right insurance product.

"My dad is 49 years old this year, what is the most cost-effective insurance to buy, is it appropriate to buy Ping An universal insurance of China"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

It's up to you to value that piece. There is no better protection than Magnum, with full coverage and high insurance amounts. Pension is not good. However, 49 people don't have any pension insurance to buy.

If your father is very long-lived (now more than 90 years of old people are very common), the deduction may be more than the money in the account, and then your account is out of money, who will guarantee your protection?

In fact, if you buy a critical illness in the Magnum account, you don't need to pay another money for the critical illness, and it will be deducted from the Magnum's money If the payment time is short, fifteen years, and a critical illness is attached, I think it is likely that you can only get the sum insured after death. That's 90,000 won't be more than that... You can send your questions to my mailbox.

I'll send you a proposal and you'll understand. Or you leave your email and I'll send it to you.

1. Accidental injury, accidental medical treatment and minor illness hospitalization These are consumer-oriented products, you can have hundreds of thousands of accident protection by paying a few hundred yuan a year, such as an accident such as a bump, accidental medical treatment can be reimbursed, minor illness hospitalization such as appendicitis, if there is social security, you don't have to think about this piece, social security can help you reimburse about 80%, if you want to improve the medical environment, you can go to buy commercial reimbursement as a supplement, after the social security helps you reimburse, the remaining 100% Commercial insurance will be fully reimbursed, the above are out of the insurance to pay, pay one year of insurance if there is no insurance, then the premium will not, in the refund.

2. Critical illness insurance is an agreed payment type, and no insurance is equivalent to savings, and the amount of insurance will be paid in a lump sum.

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

Most of Ping An's critical illness insurance can be purchased before the age of 55, and the specific amount of money you need to pay each year is related to the gender of the insured, the amount of insurance purchased, whether it is a term insurance or a lifetime insurance, and how many years to pay. The following are the rates of the two conventional products with the lowest starting point: 10,000 yuan of insurance (that is, the amount of compensation) for reference. The regular ones are a little less than this year.

For example: 54 years old - male - 100,000 yuan insured - 20 years annual payment of 2,680 yuan.

54 years old - female - 100,000 yuan insurance amount - 20 years annual payment of 1,810 yuan.

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

Hello, in terms of insurance types alone, Ping An Fu is a pure protection insurance, with a high amount of protection and low payment, which is more reliable than the protection of universal insurance.

If you feel that the benefits of universal insurance are high, then it is recommended that you choose Ping An Fu. Universal insurance policy is a very good type of insurance in terms of insurance type, the amount of insurance is adjustable, the payment is flexible, there is treatment of illness, and there is no illness pension. But because of your age, the pension is a bit stretched.

Unless you can pay a very high annual fee, reaching more than 10,000 yuan. And the flexibility of universal insurance is both a plus and a disadvantage. Few people can resist not withdrawing money from the account in advance, as long as the money is withdrawn in advance, then it will have an impact on the future pension reserves.

As far as I know, at least 80% of people who buy universal insurance withdraw their money, and not just once.

This is also the main reason why Ping An is about to let universal insurance fade out of the market. It's not because the insurance is bad, it's a human problem.

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

Women play an important role throughout their lives, and in order to further improve the protection of women at the age of 50, it is necessary to purchase insurance for women as early as possible. What kind of insurance should a 50-year-old woman buy?

For 50-year-old women, personal accident insurance, health insurance and life insurance are suitable for purchase

30-50 years old is the second ** period for women, and it is often the backbone of family and career. Insurance experts recommend that women at this age should choose critical illness, term life, accident and medical insurance, especially specific insurance that covers women's critical illnesses. At this stage, it is necessary for women to increase the types of financial insurance covering the elderly in order to plan their own pension arrangements, otherwise the premium will increase due to the increase in the insurance age in the future.

For women around the age of 55, they can choose between accident, medical and life insurance. For 50-year-old women to buy insurance, the choice of formal insurance platform is very important, and you can get at least 15% discount when you apply for insurance, so it is recommended that you give priority to it. Taikang e-Shun Women's Disease Insurance Coverage:

Breast cancer insurance benefits, women-specific cancer insurance benefits, etc.*Special coverage for female carcinoma-in-situ *Accidental facial plastic surgery insurance benefits as low as: 100 yuanPICC life insurance carefully selected term life insurance protection content: *Up to 1.5 million critical illness cancer benefits can be selected * 500,000 yuan of insurance benefits will be paid immediately upon death * Sixth-class rates,**Cheaper and lowest monthly expenses:

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

55-year-olds can choose to purchase universal insurance of Ping An Insurance according to their own circumstances.

If you don't know what universal insurance is and what is the difference between it and other financial insurance, you can click here to find outWhat is the difference between participating insurance, universal insurance, and increased whole life insurance? Which one is the most cost-effective

Next, starting from the advantages and disadvantages of universal insurance, let's take a look at how 55-year-olds choose whether to buy universal insurance according to their own situation.

1. Advantages of universal insurance.

1) It has the function of financial management, and there is a guaranteed return.

In addition to providing a certain amount of personal protection, universal insurance will also put the money paid into the universal account for investment after deducting the cost of dismantling the stool and the initial cost of the current year, which has a certain financial management function. In addition, the Wanzao Duanneng account will have a guaranteed interest rate, that is, the minimum guaranteed interest rate, which will be clearly written into the insurance contract, which is the minimum income that the insurance company promises to get.

2) Be able to save and withdraw money flexibly.

After purchasing universal insurance, we can add additional premiums from time to time, and after deducting the corresponding initial fees and handling fees, the money will be put into our personal account. At the same time, we can also choose to partially claim the policy, and the policy account value will be reduced by the same amount as the amount received.

2. Deficiencies of universal insurance.

The risk insurance premium of universal insurance will increase with the age of the insured, and people who are 55 years old need to pay more risk insurance premiums, which is very cost-effective. At the same time, universal insurance is a medium and long-term investment insurance, and the early income of the universal account will not be very high.

If you want to know more about the pitfalls of universal insurance, you can click here:How much money can I make by buying universal insurance? Don't be sold, it's a happy ......

Considering the advantages and disadvantages of universal insurance, 55-year-olds can choose whether to buy universal insurance according to their actual situation.

For 55-year-olds, it is recommended to configure four major types of life insurance, namely critical illness insurance, medical insurance, accident insurance and life insurance, and consider allocating universal insurance with sufficient budget. Hope.