What insurance is good to buy at the age of 46I want to buy an illness, old age, accident insurance,

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? In the first 20 years of life, in the period of physical and mental growth and development, it is inevitable that there will be some minor illnesses and pains, so it is necessary to use 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 it is recommended to configure an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

20-year-old 30-year-old youth: critical illness insurance, accident insurance, medical insurance,

How do you buy insurance in your 20s? 20 years old 30 years old, has reached the age of their own responsibility, at this time the body is young, the spirit is good, just out of school, there is an infinite vision for the future, but the risk of accidents has always existed, so it is recommended to buy critical illness insurance + one-year accident insurance + million medical insurance, the total cost will not be too expensive, short-term accident insurance is dozens of dollars a month, it can be considered, friends who meet this age group can see the senior sister beforeWhich is better for 20-year-olds to invest in business insurance

You can take a look at this article.

If you are in the middle age stage (30-50 years old), it is recommended that you buy critical illness insurance, life insurance, accident insurance and medical insurance

If you want to buy an insurance policy, which is suitable for people over 30 years old, what insurance should you buy? At this time, buying insurance is more for your family than yourself. Middle-aged people are under the pressure of work and life, and as they get older, the probability of illness is also increasing, critical illness insurance and medical insurance can provide adequate protection for illness; If you are unable to continue to be the breadwinner of your family due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

It is okay for people aged 45-50 not to buy critical illness insurance and life insurance, after all, the premiums of these two types of insurance will increase with age, and they will be more expensive at this time. Friends who meet this age group can watch before the senior sisterIf you want to buy an insurance policy, which is suitable for people over 30 years old, what insurance should you buy?

For how to buy really good insurance, the key is to choose the right insurance product.

"What insurance is good to buy at the age of 46I want to buy an illness, old age, accident insurance, how much is appropriate"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Hello. Buying insurance is not simply a matter of telling you about a product that you can accept. It is necessary to communicate with you about your basic situation, comprehensively consider formulating your own protection, and plan for the risks that may occur in your future life.

If you are buying a critical illness, you can attach it to the child's insurance according to the xx company, and it takes about 1670 yuan to consume 10w critical illness insurance, pension? When you are old, it makes no sense to rely on insurance for the elderly, and it is not cost-effective, and the hospitalization is 344 yuan a year, an accident? What's more, in addition, you have a problem with your concept, insurance is not a return to capital, you use your old father and mother's body as an investment?

Buy Xinhua Insurance Company's auspicious and wishful insurance, which manages 32 kinds of serious illnesses and accidents, and there is also a premium waiver, and you can choose to pay for a short period of time.

What is the best insurance for a 46-year-old? What is the best insurance for a 46-year-old to buy? (Preferably Ping An Insurance) My dad is 46 years old this year, I want to buy him an insurance, but I found that there are many types of insurance that are not cost-effective, and I need to invest at least 20 years to return to the capital!! I need detailed information, especially the calculation of insurance costs and dividends.

After the age of 40, you can't focus on the benefits and choose the right type of insurance that can solve the problem. It doesn't really matter if you don't get back to your roots.

Unless you don't pay attention to the type of wealth management insurance, it is normal to return on investment in 20 years.

Accident insurance, health insurance, critical illness insurance.

1. Due to the poor safety and prevention ability of the elderly, the probability of accidental injury is much higher than that of people of other ages, especially in traffic accidents, fires and other accidents, therefore, the elderly over 46 years old prefer accidental injury insurance when applying for insurance.

2. Since the elderly over 46 years old have more chances of getting sick, it is very important to buy a health insurance, and you can consider purchasing hospital medical insurance or comprehensive medical insurance.

3. Critical illness insurance is a type of benefit-type insurance, if a critical illness is found before the end of the payment period, the insurance company can pay a one-time critical illness or death insurance benefit, and if possible, you can choose to purchase a critical illness insurance with a longer payment period.

Hello landlord: You buy insurance for your father, I want to remind you that my uncle is 46 years old, he needs more protection insurance rather than investment insurance, men between 45-60 years old is the high incidence of critical diseases, once a major illness or accident occurs, what investment, what financial management is the meaning? Therefore, to buy insurance, we must return to the origin of insurance - protection!

It is recommended that you consider buying auspicious Ruyi, taking into account major illnesses, total disability, return of principal and interest at maturity, and additional hospitalization medical treatment, I am the group training of Xinhua Insurance, I hope the answer can help you! I wish your father good health

It is recommended that you consider buying New China Insurance for an exclusive life, and you only need to save for five years at the shortest. This is a profit-benefiting product, suitable for middle-aged and elderly friends to invest and manage money, and comprehensively solve life problems such as accidents, critical illnesses, medical treatment, education and pension. In Hunan tomorrow (that is, on the 28th), the five-year period will no longer be sold, and this product will be completely farewell to the market in early April at the latest, it is recommended that you seize the time to understand and seize the opportunity, so that your father can have a privileged life as soon as possible.

The feature of New China Insurance is that the sum insured dividends allow customers' wealth to grow steadily on the basis of value preservation. For more information, please visit the official website of New China Insurance, or contact me directly.

Accident insurance, million medical insurance, and cancer insurance for the elderly that can be bought after the age of 50.

1. Critical illness insurance.

Critical illness insurance essentially compensates for loss of income. If one of the couples unfortunately suffers from a serious illness, not only will they lose half of their income**, but also the high medical expenses and children's education expenses will make the whole family even worse. This is where critical illness insurance comes into play.

2. Medical insurance.

Unlike critical illness insurance, medical insurance for millions reimburses large medical expenses. To put it simply, if you are seriously ill, you will go to the hospital for treatment first, and how much money you have spent, and you will be reimbursed with an invoice. Millions of medical insurance has no restrictions on the types of diseases and the best means, and is cost-effective, and a few hundred yuan per year can leverage millions of insurance amounts.

3. Life insurance. Life insurance is a very simple type of insurance, as long as you die or are completely disabled, you can lose money.

Term life insurance is for a fixed period of time, such as up to age 70 or 30 years. It is extremely important for middle-aged people who have financial responsibilities for their families, in case of misfortune one day, there is still a sum of money to support the family, and if there is a mortgage and car loan, it can also be solved. Therefore, it is recommended that the breadwinner of the family choose term life insurance to cover it until retirement age.

4. Accident insurance.

You never know which will come first, tomorrow or the unexpected", this "common saying" that makes your ears calloused, is actually quite vulgar. There are really too many surprises, and there is no way to avoid them.

Accident insurance, which mainly covers disability or death caused by accidents, is divided into accidental medical treatment, accidental disability and accidental death.

Accidental medical treatment: For example, one day when you go out, you accidentally hit your head by a high-altitude projectile and get injured, and you go to the hospital to bandage it. Accidental disability: For example, one day while walking on the street was hit by a car or disabled, go to the hospital** or the like.

Accidental death: For example, if you are in a car accident and die unexpectedly.

All of these accident insurance can be covered!

If you want to say what critical illness insurance is suitable for 46 years old, you have to consider it according to your own needs. After all, products that meet your own insurance needs are worth buying.

First of all, a good critical illness insurance should cover critical illness, mild and moderate illness protection, especially for high-incidence diseases.

The number of lines is high, and the compensation ratio is higher. All other things being equal, the higher the payout ratio, the stronger the payout. In addition, it would be best if there was an additional compensation for the insurance at a special age.

As a result, the payouts are stronger and there are more funds to protect against the financial risks caused by the disease.

Nowadays, there are also many cost-effective critical illness insurance on the market, such as Versailles Plus Critical Illness Insurance under Tongfang Global Life, which not only has loose insurance conditions, comprehensive basic protection, and a high proportion of compensation for severe and moderate illnesses. It also provides additional coverage for severe, moderate and mild illnesses.

If you are diagnosed with a critical illness before the age of 60 (exclusive) for the first time, an additional 80% of the basic sum insured will be paid if you are eligible.

If you are diagnosed with a mild or moderate illness before the age of 60 (exclusive) for the first time, an additional 15% of the basic amount of the insured amount will be paid if you are eligible.

Space is limited, more about Versailles Plus Critical Illness Insurance, you can continue to learn more through this article:Versailles Plus Critical Illness Insurance is back, an in-depth review that is a must-see before buyingHope.

Although the age of 46 is middle-aged, it is already in the age group with a high incidence of diseases in the insurance company. Therefore, the premium for buying insurance at this age is very high. The advice for you is:

1. It is not recommended to buy consumer-based critical illness insurance. Once hospitalized, you can only purchase it after three months of discharge, you must provide medical records, and there is a possibility of refusal to cover the insurance. So, buy when you're in good health.

2. Critical illness insurance is not recommended to purchase dividend-paying insurance. The rate of dividend-paying critical illness insurance is high, and the age is in the period of high incidence of disease, the possibility of insurance is relatively large, and it may not even give enough time for dividends to grow up, so it is recommended to buy a pure protection type of critical illness insurance with a lower rate, the insurance period is currently 30 years, and there are 20 years, and it is more appropriate to choose a longer one, but the age of 46 may only be able to choose a 20-year payment period.

3. Even if the amount of critical illness insurance is lowered, it is necessary to buy inpatient medical treatment. Hospitalization must pay attention to a few points, first, there is no deductible, social security reimbursement is completed, all reimbursement, second, the scope of reimbursement is wider than social security, to cover the scope of reimbursement of social security, so that social security does not reimburse self-financed drugs, nutritional drug business insurance can be reimbursed. 3. Choose a hospitalization medical insurance with hospitalization allowance.

Illness will definitely lead to hospitalization, unable to earn money, and it will also drag down the family care, and the family's income will also be lost, and the hospitalization allowance can be used as compensation for the loss of income of patients and caregivers.

4. Purchase adequate accident insurance. Accident and accidental medical treatment generally have low costs and high protection, and are cost-effective products.

5. If funds allow, consider purchasing term life insurance. Term life insurance is an insurance that is conditional on death, mainly to prevent the death of the family's financial breadwinner due to accidents or diseases, and the loss of family wealth to other members of the family, which is a manifestation of love.