A better pure protection insurance is recommended for help.

1) Coverage for accidents and critical illnesses, disability, hospitalization reimbursement, etc. can be added. Pure coverage insurance is available. But without the dividend function, it is equal to no interest, that is, your insurance amount is fixed, 100,000 this year, 10 years and 20 years later, it is still 100,000 insurance, then the medical expenses may increase to 150,000 or 200,000, your insurance amount is still the same, do you think it is cost-effective?

When you find that the sum insured is not enough after 10 years, you will have to calculate the cost according to the age after 10 years, and the premium may also double at that time, do you think it is cost-effective? If the sum insured pays dividends every year, it will continue to increase with age, resist the growing risk of medical expenses, and make life more valuable. This is the true meaning of dividends, to protect the value of the principal, insurance is not to make more money, but to spend less, in order not to depreciate.

2) In terms of time, critical illness insurance is paid in a single payment, 5 years, 10 years, 15 years, 20 years, the reason why 15 years or 20 years is chosen is because the payment period is extended, and the annual premium will be less, and like the Pacific Jinyou Life 2014 critical illness insurance, divided into 60 kinds of critical illness + 12 kinds of minor illness, a total of 72 kinds of disease protection, if 12 kinds of minor illness can be provided to pay 20% of the claim, but also exempt the later premium. The payment period is long, in case there is something halfway, the future expenses do not have to pay, what you want is the premium waiver function, if you are okay, you don't have to pay too much money every year, it is considered a lump sum deposit, and you can also convert the annuity as a supplement to the pension in the future. If the time is shortened, the same amount of insurance will pay a lot of money every year, which will not only increase the economic expenditure, but also lose the advantage of the exemption function.

3) It is expected that about 3,000 yuan, the pure protection type can only choose insurance products with a fixed sum insured, and the increased amount of products will be more expensive. Or choose consumer insurance, so that there will be a claim, nothing money will be spent, you may not feel anything when you are young, and it will be more expensive to choose a savings type when you are older, and it is unknown whether you can still be insured in terms of physical health.

How much more does a 40-year-old pay than a 39-year-old?

Hello friend. Accident insurance is generally paid for one year, and serious illness insurance recommends that you buy long-term payment, which can be used as a pension in the future! If you buy consumer-based critical illness insurance, you may not be able to apply for insurance in the future due to minor illnesses!

Hello! Each product has its own characteristics, depending on your own needs. Allianz's protection products have their own characteristics, especially the unique characteristics of health insurance, three claims highlight human care, of course, you can customize very humane according to your requirements, you can have a high amount of protection with the lowest cost, you can also use the way of saving and withdrawing for free, and get back the sum insured at the end of the term, as a later protection or pension supplement.

Details can be further communicated.

The types of protection insurance can be divided into: accident insurance, medical insurance, critical illness insurance, and life insurance.

1. Accident insurance: life insurance with death or disability caused by accidental injury as the condition for the payment of insurance benefits. The insured pays insurance premiums to the insurer, and the insured suffers an accidental injury during the insurance period and takes this as a direct or proximate cause, and the death, disability, medical expenses or temporary loss of working capacity are caused within a certain period of time from the date of the accidental injury, the insurer shall pay the insurance benefits to the insured or its beneficiary;

2. Medical insurance: insurance to protect the insured's critical illness risk and hospitalization medical expenses, the insured amount of pure protection medical treatment does not increase in value, and the premium will not be returned after the insurance expires, and it is only responsible for paying for the occurrence of illness and medical hospitalization expenses;

3. Critical illness insurance: when the insured suffers from some specific critical diseases, the insurance company pays the security deposit according to the contract;

4. Life insurance: a kind of life insurance, which takes the life of the insured as the subject of insurance and the life or death of the insured as the condition of payment.

Test your anti-risk index, experts will interpret it for you for free!

There are many types of protection insurance, which are as follows:

1. Protective life insurance;

2. Protection-based medical insurance;

3. Guaranteed savings insurance;

4. Term death insurance;

5. Whole life insurance;

6. Dual-life insurance;

7. Annuity insurance.

Protection insurance mainly refers to the traditional life insurance with a savings nature, this kind of life insurance has a fixed policy interest rate, will not increase with the rise of the market interest rate, nor will it decrease with the decline of the market interest rate, and the insurance protection obtained by the policyholder is a fixed and unchanged payment amount.

Investment insurance is an innovative type of life insurance, which can be divided into participating insurance, universal life insurance, and investment-linked insurance, which generally has two functions: protection and financial management. Protection-based insurance, on the other hand, is based on protection, such as medical insurance, consumer-based critical illness insurance, cancer prevention insurance, etc., and there is no return of insurance money. There are also differences between these two types of insurance in terms of premiums and payment methods, and the premium of investment insurance will be higher than that of consumption insurance, which is more suitable for people with sufficient budgets.

Protection insurance mainly refers to the traditional life insurance with a savings nature, this kind of life insurance has a fixed policy interest rate, will not increase with the rise of the market interest rate, nor will it decrease with the decline of the market interest rate, and the insurance protection obtained by the policyholder is a fixed and unchanged payment amount.

Protective insurance belongs to the jargon of the life insurance industry, and its biggest feature is high protection and low cost, which is the same nature as consumer insurance, such as accident insurance, term life insurance and so on. Health insurance also belongs to the category of protection insurance.

Insurance for customers, the most important thing is the professionalism and integrity of the salesman, otherwise the company and the product are good is an empty word!

**People are to develop an insurance plan suitable for you according to your specific situation and introduce you to the content of the plan and the characteristics of the product and other situations, if the plan made for you by **people in order to get a high commission for you is not suitable for you, it is immoral, so it is important to find a good **person.

1. Ping An of China.

2. If the economic conditions allow, ensure "what you are most worried about".

3. People are the bridge between products and customers, and you will always have a person during the validity period of the contract.

4. When making a claim, the first person is very critical, and most of the first person will stand in the customer's position. Because the customer is a natural person, the company is a legal person. Without violating principles, of course.

The best product suits you.

**People are really good.

The current products of Xinhua Insurance are the best protection, and good people will bring you good services.

Find a good ** person, he will do everything for you!

It is divided into ordinary life insurance and new life insurance. General life insurance is divided into term life insurance, whole life insurance, endowment insurance and annuity insurance, and new life insurance includes participating insurance, investment-linked insurance and universal insurance. Choose term life insurance with a lower budget and low premiums; If you want to be able to claim no matter what, choose both insurances, which will have higher premiums; If you have a budget and focus on savings, you can choose whole life insurance.

As the name suggests, protection insurance is insurance with protection functions, and the most significant features of this type are low costs and high protection, which is the same nature as consumer insurance. In fact, insurance all have protection functions, but the focus is different.

There are many types of protection-type insurance, and its main types can be divided into protection-type life insurance, protection-type medical insurance, and protection-type savings insurance.

Protective life insurance focuses on the risk of survival or death of the insured. This kind of insurance can be divided into term death life insurance, whole death life insurance, comprehensive life insurance, and annuity insurance.

Guaranteed illness medical insurance refers to the protection of the insured's critical illness risk and hospitalization medical expenses, pure protection medical treatment does not increase in the sum insured, there is no return after expiration, only the occurrence of illness and medical hospitalization expenses will be paid and reimbursement of hospitalization expenses.

Guaranteed savings insurance is a traditional savings insurance, which is characterized by a fixed policy interest rate, which will neither increase nor decrease, and is not affected by market interest rate fluctuations. The amount of benefits paid out by the protection endowment insurance is a fixed and unchanged amount, and the policyholder is fully aware of the benefits of the insurance and the amount to be paid at maturity at the time of application.

Further information: protection insurance mainly refers to the traditional type of life insurance with a savings nature, this kind of life insurance has a fixed policy interest rate, will not increase with the rise of market interest rates, nor will it decrease with the decline of market interest rates, and the insurance protection obtained by the policyholder is a fixed and unchanged payment amount.

This type of life insurance has a fixed policy interest rate, which will not increase with the rise of the market interest rate or decrease with the decline of the market interest rate, and the policyholder will receive insurance protection of a fixed and unchanged payment amount.

Protection insurance is also life insurance, so there are not many types of insurance, in general, there are three types of insurance:

For example, for people around 30 years old, a term life insurance with an insurance amount of 100,000 yuan is only one or two hundred yuan per year, which can be used as income protection for a specific period of the family.

Regular return type products: also called two-dimensional products. That is, regardless of life or death, the sum insured will be given to you.

For this product, it may be easier for us to understand the concept of savings. That is, we regularly deposit a sum of money into a fixed account, which can only be withdrawn at maturity, but before maturity, you can have a guarantee of the value of life. This type of product has a wide range of applications, and it is a good choice to supplement yourself with some if the economic situation allows.

Life-long products: Life-long products** will be more expensive than fixed-term consumer insurance, because it is a lifelong protection, and the insurance company will pay for it anyway. It is precisely because of the characteristics of lifelong products that they are paid immediately at any time of death, which is very suitable as a means of offsetting inheritance tax. (Meow Meow Bao).

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Accident, critical illness, lifetime life, both.

Accident, Critical Illness, Medical, Life Insurance.

The allocation of critical illness insurance is very important! If you don't know how to choose a better critical illness insurance, the following article may be able to help you! Let's take a look.

Protection-type critical illness insurance is the opposite of wealth management. From the perspective of protection, protection critical illness insurance can be divided into:Consumption and saving:

(1) Consumer-based critical illness insurance

Covers dozens or hundreds of mild and critical illnesses without liability for death. During the insurance period, if the critical illness agreed in the contract occurs and the claim conditions are met, the insurance company will pay the agreed sum insured in a lump sum, but if there is no insurance during the insurance period, the insurance will expire and no fee will be refunded.

136 popular consumer-based critical illness insurance in China

(2) Savings-based critical illness insurance

Take care of critical illness, lifelong protection, and death liability with the sum insured. During the coverage period, the insurance company will pay a sum of money, regardless of whether the risk occurs. And its cash value will grow over time.

Coverage varies

Consumer-based critical illness insurance only covers liability for critical illness and related minor and moderate illnesses, but not for death.

Savings critical illness insurance not only protects against critical illness, but also covers liability for death. That is, there is a "lifetime guarantee".

Suitable for different groups of people

Consumer-based critical illness insurance is pure protection for critical illness, and the premium will be relatively cheap, which is suitable for people with a low budget.

Relatively speaking, the savings type protects the "critical illness" and "money", so the premium will be relatively expensive, which is suitable for people who want to protect and manage their finances.

Although the premium of consumer-based critical illness insurance is relatively low, it does not cover death.

For example, some illnesses require that you can only make a claim if you have a critical illness for a certain number of days, and if you unfortunately pass away due to illness during a critical illness, you will not be able to make a claim if you do not reach the specified number of days.

There may be a situation of "both people and money". And the savings critical illness at least protects against death!

Of course, no matter what type of insurance you buy, you must return to the essence of insurance "protection".

How to choose a good protection insurance!