May I ask if I bought a Ping An Fu in Ping An at the age of 30, is it reasonable to pay 4,600 yuan f

1.The range of choices is relatively wide for the appropriate age of purchase.

2.The expenditure of family premiums should be 10%-15% of the annual family income, and the sum insured should be set at 6-10 times the annual income. However, it should be analyzed on a case-by-case basis.

5.Under the premise of social security, plan commercial insurance, with a focus on accidents and critical illnesses. Social security and commercial medical insurance, can not be reimbursed repeatedly, remember.

6.At the same time, pay attention to the security of family members, protect the people around them as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.

7.It is important to prioritize the protection of the main income earners of the family as much as possible.

8.Recommended: Ping An Talisman Participating Insurance, Ping An Universal Insurance, Ping An Fu Whole Life Insurance.

9.My personal advice is to communicate extensively and effectively with ** people, after all, face-to-face communication is the most direct and effective. If necessary, you can also directly call the customer service of the relevant insurance company** for verification and consultation.

If you don't know the specific policy plan and can't analyze it specifically, please refer to the above principles for comparison.

According to the information, the sum insured is relatively conservative;

For critical illness insurance, the bottom line sum insured should be 200,000;

As much as possible, carry out effective information exchange and communication with ** people.

45 years old this year, I have been buying Ping An Fu insurance for 5 years, paying 23,000 yuan per year for 20 years, with an insurance amount of 500,000 yuan, I feel that the character ratio is very low, and now I still want to surrender the insurance, the expert gives a suggestion, thank you.

Hello! We'll be happy to answer for you. Ping An Fu Insurance is indeed a relatively pitty insurance, with only 1 compensation for critical illness and mild illness, and only 20% compensation for minor illness, which can be said to be very low protection.

If you pay for 20 years, the insurance amount will be 500,000, which is indeed very low. The insurance can be surrendered, but the surrender of the insurance amount cannot be all, and part of the liquidated damages must be paid, depending on the contract requirements.

With social security, the protection is almost there, and increasing commercial insurance, more than 5,000 per year, is not a burden, and it is still very good for you to have more protection. However, I would recommend buying critical illness insurance.

Yes, this protection is high, the older you are, the more valuable it is, you can consider it, I am safe, I can make a plan for you to see.

It depends on what kind of insurance you want to buy. Personally, I recommend you to buy a protection type!

The Pacific Ocean is not good, choose Ping An by the way, you can understand it all clearly and then buy it.

Hello! Suggestion: The budget for buying insurance is generally 15%-20% of the annual family income, no matter how many types of insurance there are, don't forget what problems we want to solve with insurance when we buy insurance?

Suggestion: Buying insurance is also the first step in family financial management is risk aversion (accident. Critical illness.

Medical insurance), with the premiums we determine to pass on the uncertain medical expenses and our loss of income, the protection is the best for life, so as not to use my short-term to a certain age and bother to re-plan, (and the age rate at that time is also high, whether the insurance company can insure the health of the health insurance) The budget allows for a full range of planning, and then increases the amount of coverage when the budget increases. Our company's latest Quanyou Lifetime Series of critical illness protection is very comprehensive, (including critical illness claim sum insured, accident double payout, major natural disaster triple payout, and long-term care for the elderly) The premium is cheap and covers life, which is very suitable for you. Hope it helps.

Have you bought any other business insurance?

Is it the one that doesn't pay dividends? Yes.

If you haven't bought it, don't buy it.

At present, the investment ability of our insurance funds is poor, the investment channels are lacking, and the profitability is very poor.

The earnings in 2012 were only, and the earnings in 2013 were better, which is said to be the highest in four years, and only.

It is basically the investment level of the bank that eats interest.

But you don't forget, the interest on the bank is all yours, and the interest income in the insurance company has to support the entire insurance company's internal and external work, and the cost is quite high.

So you wait for the insurance company to pay dividends, and after twenty years you get the principal back.

It is difficult to maintain value, let alone increase value.

However, buying such insurance and wealth management products is far less cost-effective than depositing in the bank, let alone how much money you will get every month after 20 years.

The insurance company will not give the customer money in vain, and the future interests of the customer completely depend on the future income of the insurance company.

As it stands, insurance companies' earnings are quite poor.

This insurance is a whole life insurance.

You can't get paid monthly after 20 years There is no monthly payment clause in this contract.

Talisman is a protection product, and there are dividends every year, but the dividends are low, so it is recommended to purchase the sum insured with dividends, so that the main insurance and critical illness insurance have been growing over time.

Do you have to buy your own insurance and don't know the situation clearly?

Yes, my neighbor's has one, and my family also said to invite one.