I want to buy an insurance for myself, I don t know which one to buy, everyone give an opinion?

1.Age is the primary consideration.

2.The premium should be 10%-15% of the annual 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 Outsmart Life 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.

Buy a kind of participating insurance or similar to the sunshine of the kind of sincere companionship, you can get the money in the future, and you can also insure,,, but insurance is risky, maybe the money will depreciate after ten or twenty years, and it is difficult to make a claim if something happens, so you should look at the scope of insurance before insurance, such as what diseases can be covered by medical insurance for illness, not so can be insured.

In terms of pension, you can go to everyone to take a look at it, and make more comparisons to choose the right one for you.

With the acceleration of the pace of society, the pressure of modern life is increasing, and many people begin to want to buy an insurance to give themselves a "sense of security". However, the degree of understanding of insurance and their own economic situation is often helpless in buying insurance, and friends who do not know how to buy insurance can learn about it:

How to buy insurance for different age groups? Everyone should have their own plan

Insurance must be bought, and it must be bought right to be useful! So how do you allocate an insurance policy for yourself? Different age groups have different configuration schemes:

First of all, the most basicSocial securitySocial security is a welfare policy of the state that benefits the whole people, and the purchase conditions are very low, so everything that can be bought should be bought.

Secondly, it is necessary to matchCommercial Insurance, Critical Illness Insurance, Life Insurance, Million Medical Insurance, Accident InsuranceThese four basic essential types of insurance. It can be configured differently according to its own economic situation. The configuration principles of these four paragraphs are mainly based on the following points:

For the specific differences and functions of these four types of insurance, you can see here:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance?

1. Critical illness insurance

Consumer insurance is preferred, cost-effective, complete protection for critical illness and mild illness, and including death liability; The role of critical illness insurance is mainly to have a flexible working capital after illness, whether it is for medical needs, compensation for lost work, or post-hospital care. More precautions for purchasing critical illness insurance have been sorted out.

Under the new rules of critical illness insurance, the purchase of critical illness insurance is recommended!

2. Life insurance

YesPriority is given to the allocation of the breadwinner of the householdThe term of protection is until the end of the responsibility of the family pillar, such as the loan is paid off, the children participate in the work is appropriate, to avoid the collapse of the family economy caused by the sudden departure of the family economic pillar and the sudden interruption of family income, and the amount of insurance is equivalent to the need to support the elderly and children with the RV loan and family debt.

3. Million medical insurance

Prefer hot-selling products that are quick to upgradeBecause the plate is large, it is not easy to stop selling, and the additional rights and interests are improved quickly. Medical insurance can cover large medical expenses (e.g., surgeries, specific drugs, etc.) in the hospital, so that the insured can complete the hospital at a lower cost**. Moreover, the premium of million medical insurance is very cheap, and you can get up to several million of the sum insured by saving two hot pot dollars a year.

4. Accident insurance

Disability coverage is preferred

, products with medical quota, with an insurance amount of 50.1 million is preferred. Accident insurance does not pick health status, only occupation, so it is completely fine to look at cost-effective products that are bought once a year, or even changed once a year.

The insurance combination is very flexible, at different ages, configure the most suitable protection for yourself, I hope the above sharing can help you.

Insurance is not about investing money, the more the better, you only need to take out 10% of the insurance funds to preserve 90% of the assets.

However, the order of purchasing insurance is: protection products must be the first, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

Secondly, the principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

For example, first purchase the social insurance launched by the state (it is best to have a unit come forward to purchase), such as the cooperative medical insurance for rural households or the medical insurance for urban residents with urban households, and then consider commercial insurance as a supplement.

Third, insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The cost of insurance is generally about 10---20% of the annual income, and it is best not to exceed 20%.

Here, I know that in this industry, there are three sentences that say this: "brand in life", "Ping An's talents" and "Xinhua's products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

It is often said within the insurance industry".Seven policies for lifeIt is an accident insurance policy, a serious illness medical policy, a life insurance policy, a children's accident, hospitalization, serious illness policy, a children's education policy, a pension policy, a inheritance policy, of course, taking into account your own willingness to buy and economic situation, it is roughly divided into the following three levels:

The first layer: the basic protection necessary for everyone: accident insurance policy + critical illness medical policy + life policy.

It is said that it must be closely related to our lives, and it is said that it is based because the premium of several thousand dollars a year is not high. No one knows which will come first, tomorrow or the accident, and the leverage effect of accident insurance with low premiums and high protection can balance the economic losses caused by many "unlucky" things in life. In recent years, the incidence of malignant tumors has become higher and higher, and more and more people around them are shrouded in the haze of malignant tumors.

If you are stable in your old age and die without illness, then a life insurance policy can also help you live after you die, and you can walk in a beautiful way without burdening your children.

The second layer: the stability of each family: children's accident, hospitalization, serious illness policy + children's education policy + pension policy.

If you are married and have children, you are most concerned about your children, so why should you expose your children to risk while buying accident insurance and critical illness medical insurance for yourself? The economy has been moving forward and inflation has persisted, so it is of course cost-effective to start the insurance with a fixed annual payment and pay for a fixed amount of time for a certain period of time. Calculate an account, if an insurance requirement is paid 6,000 yuan a year for 20 years, then what will become under the pressure of inflation?

The per capita GDP in 2017 was 59,261 yuan, and the per capita GDP in 1997 was 6,481 yuan. Therefore, although the children are young, they will receive very considerable benefits in the long term if they apply for insurance as soon as possible.

The third layer: the inheritance of love behind the death: the inheritance of the policy.

People will eventually leave the day when they leave, and what will be left behind after leaving the people around them is a dream or a nightmare? We've heard too many stories of people who have left behind huge debts, and we've heard the news that cemeteries are now more expensive than house prices, so should the insurance company give their families a little comfort or make them have to spend a lot of money when they lose a loved one? Legacy insurance is not only an insurance policy, but also a inheritance of love for your family.

You can click here to click on me, intelligently calculate the most suitable family protection plan for you, and then make trade-offs according to your insurance intentions, so as to achieve no duplication or omission of protection to the greatest extent

Brother, brother gives you some advice.

1. Accident insurance, bumps and bumps are inevitable, and the accident insurance card of 100 yuan is almost there;

2. Critical illness insurance, we don't have much money in our pockets, but the hospital is relatively ruthless, so we have to get 200,000 yuan of protection. You can choose a 100 yuan year consumer product, or you can choose a 1000 yuan year return product, depending on your preference.

3. If you have 10,000 or 20,000 yuan left a year, while you are young, pay 1,000 yuan of investment-linked insurance for the whole month, and slowly snowball.

The above is just a description through you, giving advice that maybe not to your liking. If you want to find the most suitable one, you have to communicate in detail.

At this age, if you want to have accident insurance, you can consider buying a million medical treatment. Additional inpatient medical care.

Seeing a wide variety of insurance products, I also made it difficult to tell you.

First of all, consider protection products (accident insurance, whole life insurance, critical illness insurance).

Hello, I am Ping An Insurance salesman, I can recommend it to you according to your needs and your conditions, increase your knowledge, buy insurance, you must understand first, how to check, how to see, I will teach you step by step.

Hello! Buying an insurance product that suits you should be considered according to your actual situation and specific protection needs. Protection is the first, it is recommended that you can choose accident insurance, health insurance and other protection insurance products according to your actual situation, and then choose the appropriate commercial pension insurance products under good economic conditions.

1. Consider the type of company of the insurance company. The coverage and professionalism of the products provided by insurance companies with different business scopes are inevitably different, and policyholders need to choose according to their own protection needs.

2. Consider the type of insurance of the insurance company**. Policyholders should choose insurance companies that can provide them with the right level of protection.

3. Consider the operating conditions of the selected insurance company. Policyholders need to look at the solvency and financial status of the insurance company.

How to buy the most suitable insurance for yourself.

Depending on your needs, insurance first does protection, protection has medical care, medical care has children's education, then pension, and finally financial management, depending on your age and family responsibilities and so on.

Recommend Ping An's Outwitting Life (Universal), flexible payment and comprehensive protection.

First, develop your own risk matrix. Matters with a small probability of occurrence and high harm (e.g., critical illness, accidental injury) are suitable for insurance. Different stages of life, economic income, population size, etc., are all influencing factors. Please think carefully before deciding, and good luck!

Hello! When buying insurance for yourself, you should choose it according to your actual needs, financial situation, and other factors. In general, accident insurance, critical illness insurance, and life insurance should be considered. The details are as follows:

1. Accidents are sudden, which often cause great harm to people's bodies and economies, and in serious cases, they will bring variables to the whole family. Therefore, as a modern person, we should be responsible for ourselves and our families, buy an accident insurance as soon as possible, and let the insurance company bear all the accident risks for ourselves.

2. According to official statistics, the possibility of a person suffering from a major illness in a lifetime is high. Therefore, it is advisable to purchase a suitable health insurance policy for yourself after the accident protection is complete. If you need an affordable, cost-effective product, you can purchase a consumer card single product.

In this way, with a lower premium payment, you can get the dual basic protection of accident and health. Most of these products are for one year, and it is necessary to pay attention to timely renewal after purchase to prevent the emergence of safety "neutral". If you wish to receive specialized critical illness protection, you can purchase a separate critical illness insurance.

When choosing such a product, you need to pay attention to the coverage and check whether it covers common critical illnesses. It is recommended to pay the premium annually, although the total amount paid may be slightly more, but each payment is small and will not bring too much burden to the family.

3. In the case that the above protection is perfect, you can also buy a life insurance. If you have good financial ability, you can buy whole life insurance; If you have average financial means, you can consider term life insurance to take responsibility for yourself and your family.