Which life insurance must be bought for the breadwinner of the family s economy, which is the most c

If the breadwinner of the family only wants to have personal protection, you can apply for term life insurance, and if you want to have protection and at the same time want to invest and manage your finances, you can apply for increased whole life insurance.

If you don't know much about term and whole life insurance, you can take a look at this article by Senior Sister:

What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article!

Next, the senior sister will take Huagui Life's "Damai 2022 Term Life Insurance (Internet Exclusive)" as an example to introduce you to how this product is! Without further ado, let's go straight to the picture above:

1.Analysis of insurance conditions.

There are 6 options for the protection period of Huagui Barley 2022 Term Life Insurance (Internet Exclusive), which are 10 20 30 years of protection and 60 65 70 years of age.

In addition, the payment period of this product is also very flexible, you can choose to pay in a single payment, 5 10 20 30 years, and you can also choose to pay until 60 65 70 years old.

Secondly, Huagui Damai 2022 Term Life Insurance (Internet Exclusive) can allow 1-6 types of occupational groups to be insured, which means that some people engaged in high-risk occupations also have the opportunity to apply for this product, which can cover more people!

What is the impact of occupational restrictions on insurance? This 6 types of occupation insurance guide, please collect it quickly!

2.Safeguard Liability Analysis.

The Death Total Disability Insurance Metal in Huagui Barley 2022 Term Life Insurance (Internet Exclusive) is self-liable, while the Aviation Accident Death Total Disability Insurance Benefit and the Accidental Death of Water, Land and Public Transportation Total Disability Insurance Metal are optional liabilities, and you can choose according to your own protection needs when applying for insurance.

For those who often need to fly for business trips, it is more suitable to add aviation accidental death or total disability benefits.

Top 10 Life Insurance Worth Buying!

The pursuit of cost-effective, of course, is consumption-oriented life insurance, that is, term life insurance, which will be more cost-effective. Compared with the whole life protection of whole life insurance, the protection period of term life insurance is our own choice, usually 20 30 years, to 60 70 years old, then due to the difference in the protection period and the certainty of compensation, the premium of term life insurance is lower than that of whole life insurance, relatively speaking, the cost performance is also higher. Here are some life insurance policies that are good in every way, to share with you:

Top 10 Life Insurance Worth Buying!

Hello! As the breadwinner of the family, your husband should choose four types of insurance: accident insurance, medical critical illness insurance, life insurance, and financial insurance, the details are as follows:

1. Accident risks are everywhere, once the family pillar has an accident risk, the family's economy will be cut off, and even bring a financial burden, so accident insurance is the first choice. The amount of accident insurance is generally recommended to be 5 to 10 times the annual income.

2. The daily work and life of the family pillar are under great pressure, and their health is threatened, so they need to purchase medical critical illness insurance. The sum insured for medical critical illness insurance should be 5 times the annual income.

3. The daily work of the family pillar is under great pressure, smoking, alcoholism, staying up late, etc. are more common, so it is necessary to buy a suitable life insurance product. It is recommended to apply for a life insurance policy with a coverage period of 20 years.

If you don't know, you may lose a lot of money if you don't buy insurance like this!

1. First of all, you must buy insurance for the breadwinner of the family. Accident insurance can be given priority to family breadwinners, and it is recommended to set the sum insured at more than 10 times of the annual income. Medical and critical illness insurance are also important considerations for family supporters, and the sum insured should be sufficient when purchasing critical illness insurance.

The cost of major diseases is as little as 70,000 or 80,000 yuan, and as much as more than 100,000 yuan or even higher, and it is recommended that customers with social security should take 100,000 or 200,000 yuan.

2. Secondly, choose a suitable insurance for housewives. In addition, housewives can choose women's special disease insurance for women's special diseases, such as breast cancer, cervical cancer, ovarian cancer, female carcinoma in situ, systemic lupus erythematosus nephritis, etc. When purchasing women's critical illness insurance, it is best to choose a longer payment period to spread the risk.

3. To buy insurance for the elderly, you should first purchase accident insurance and then consider health insurance. Because the probability of accidental injury is higher in the elderly than in other age groups, it is important to purchase accident insurance, especially accidental fracture protection.

4. In the process of children's growth, choose a suitable accident insurance for children. When buying accident insurance for your child, it's best to buy a one-year one. Children's health protection should not be neglected, you can choose the right children's medical and critical illness insurance.

Choose critical illness insurance for your child, and the sum insured should not exceed 100,000 yuan. It is advisable to purchase an accident health insurance policy to have both accident and critical illness protection. In addition, if the family is financially well-off, you can buy a children's shirt or education fund insurance for your child when he is young, so as to save for his child's education in advance.

Extended reading: [Insurance] How to buy, which one is good, hand-in-hand high and rough to teach you to avoid these insurance"pits"

The breadwinner of the family is the person who should do the most adequate security in the family, in case the breadwinner of the family encounters an accident, a family will lose a stable economy**. Insurances suitable for family breadwinners include accident insurance, term life insurance, endowment insurance, critical illness insurance, medical expenses and allowance insurance, etc. It is necessary to provide accident and health protection for the breadwinner of the family to cope with the biggest risk accidents, and then use annuity insurance to meet the financial needs of the elderly.

These different types of insurance are like a mountain lacking a net, protecting people's lives, property and finances.

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

Hello! For ordinary families, the protection suitable for purchase includes accident insurance, health insurance, life insurance, home property insurance and other types of insurance, which should be determined according to the actual protection needs of the family. It is important to know that every member of the family is facing risks such as accidents and diseases, and buying appropriate accident insurance and health insurance as soon as possible is an important prerequisite for ensuring personal safety and health; As for life insurance, it can provide good financial security for your life.

When purchasing life insurance for yourself and your family, it is recommended to give priority to improving the protection of the family's financial pillars, followed by the protection of housewives or family cooks, the protection of children, and finally the protection of the elderly. In addition to personal risks, ordinary families should also guard against financial risks. Compared with high-income families, ordinary families have a weaker ability to cope with family financial risks, and once they are in danger, it will have a great impact on their lives.

Therefore, ordinary families need to buy a suitable home property insurance in time to ensure the safety of their loving home and protect themselves and their families. When applying for insurance, you should give priority to choosing a one-year consumer-oriented home property insurance, which can bring hundreds of thousands of yuan of protection with only a few hundred yuan.

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

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 people aged 0 to 20 who are in the growth stage, critical illness insurance, medical insurance and accident insurance are very needed

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, coupled with the younger disease, it is not strange that there is a little illness and pain in the body, so it is necessary to configure a medical insurance; In addition, there are more accidents in the child's growth stage than in other stages, so it is also necessary to have accident insurance to prevent accidental disability or death; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

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, but no one is tomorrow and the accident which will come first, in order to reassure themselves, parents rest assured, so it is recommended to buy critical illness insurance + one-year accident insurance + million medical insurance, the premium required is not high, short-term accident insurance is dozens of dollars a month, it can be considered, in line with this age group friends can see the senior sister beforeYoung people in their 20s, how to buy insurance for themselves

You can take a look at this article.

For friends under the age of 50, it is recommended to take out critical illness insurance, life insurance, accident insurance and medical insurance

What kind of insurance is more cost-effective to buy at the age of 30? At this time, buying insurance is more for your family than yourself. When people reach middle age, their physical health is declining, but the pressure is 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 should be noted that people aged 45-50 do not buy critical illness insurance and life insurance, and the next generation is already independent at this time, and the burden is not so heavy. Friends who meet this age group can watch before the senior sisterWhat kind of insurance is more cost-effective to buy at the age of 30?

For how to choose a suitable and cost-effective insurance, the key is to choose the right insurance product.

"What kind of insurance is suitable for family breadwinners? "Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).