What insurance to buy for 1 million, and how much premium is required to cover 1 million property in

It is necessary. Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory traffic insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the third-party insurance should refer to the compensation standard of the location. According to the highest standard of auto insurance compensation, if one person dies, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

If the annual income is 1 million, the breadwinner of the family first needs to configure the four major types of insurance: critical illness insurance, medical insurance, life insurance, and accident insurance. If the economic situation still allows, it can also be configured with annuity insurance, increased whole life insurance and other insurance with financial nature. However, it is important to note that the total household premium expenditure should not exceed 20% of the annual income.

What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

In addition to paying attention to what type of insurance to buy, you can also choose products with excellent protection content and large payouts, so that the protection will be more sufficient. For example, a good critical illness insurance generally has highlights such as additional compensation for critical illness, multiple claims for malignant tumors, and comprehensive coverage for high-incidence mild and moderate diseases. This is the most popular critical illness insurance that is currently worth buying compiled by the senior sister, so don't miss it

Top 10 Popular Critical Illness Insurance Points Worth Buying!

After configuring protection insurance, if the economic budget is still relatively sufficient, and you want to obtain income by investing in insurance, then you can configure increased whole life insurance with financial management properties. The sum insured of increased whole life insurance will increase year by year, and the income is relatively stable, which is more suitable for high-net-worth families. Looking to buy high-yield incremental whole life insurance?

Then take a look at this list:

Freshly baked! Don't miss out on the top 5 high-yield incremental whole life insurance!

Who said that you must buy 1 million, 50,000, 100,000 can be, but the requirement to buy high must be two reasons, the first is high, the salesman takes more money, and the second point is that the cost of critical illness is generally higher, in fact, 50-700,000 is enough.

Summary. Hello, dear. We're happy to answer your <>

How much premium is required to insure 1 million property insurance: 100 yuan premium, taking Ping An Insurance as an example, we can find that the premium of many property insurance is about 100 yuan, such as the premium of family property insurance is 80 yuan, the comprehensive protection plan of family treasure is 80 yuan, and the insurance of Ping An ** is 80 yuan, etc. Of course, there are also those with more premiums, such as the premium of the Home Comprehensive Protection Plan, which is $540.

Don't look at their high premiums, their coverage and the corresponding amount of insurance are much higher than those of insurance products with a premium of 80 yuan. In this way, the property insurance rate has a lot to do with the corresponding coverage and the amount insured.

How much premium is required to cover 1 million property insurance.

Hello, dear. We're happy to answer your <>

How much premium is required to insure 1 million property insurance: 100 yuan premium, taking Ping An Insurance as an example, we can find that the premium of many property insurance is about 100 yuan, such as the premium of family property insurance is 80 yuan, the comprehensive protection plan of family treasure is 80 yuan, and the insurance of Ping An ** is 80 yuan, etc. Of course, there are also those with more premiums, such as the premium of the Home Comprehensive Protection Plan, which is $540.

Don't look at their high premiums, their coverage and the corresponding amount of insurance are much higher than those of insurance products with a premium of 80 yuan. In this way, the property insurance rate has a lot to do with the corresponding coverage and the amount insured.

If the coverage of property insurance is more, then the cost of insurance items that Ping An Insurance needs to pay will be expanded, for example, Ping An ** insurance only pays for ** disasters, and they only need to pay for the losses caused by **. However, the comprehensive home insurance plan not only covers this item, but also the loss of housekeeping responsibilities, home renovation and other aspects, and the wider the coverage involved, the higher your premium. Therefore, the property insurance rate has a lot to do with the coverage of the insurance.

Similarly, the higher the sum insured, the higher the premium. If you only pay $80 in premiums and want to get a million or more premiums, that's unlikely because you're investing very little in the first place. On the contrary, if you invest 1,000 yuan or 10,000 yuan to buy property insurance, then the amount of insurance you get will definitely be more than 1 million or 10 million.

Therefore, the property insurance rate has a lot to do with the amount insured.

This depends on factors such as the type of insurance you choose, the amount insured, and so on. Generally speaking, if you purchase compulsory traffic insurance, third-party liability insurance, on-board personnel liability insurance, special insurance without deductible, theft insurance, and glass breakage insurance for a car of 1 million, the premium is about 8450 yuan. Specifically, the compulsory car traffic insurance of 1 million yuan for less than 6 seats needs 950 yuan in the first year, and 1,100 yuan for more than 6 seats; The third-party liability insurance costs about 2,100 yuan; If you choose to insure a seat of 100,000 yuan, then the driver's seat will cost about 410 yuan, plus 1,040 yuan for four passengers, a total of about 1,450 yuan.

Car damage insurance costs about 2,500 yuan; The premium of glass breakage insurance** is about 450 yuan; Theft insurance costs about 700 yuan; The premium for special insurance without deductible is about 350 yuan. Overall, a car of 1 million yuan requires a premium of about 8,450 yuan.

Summary. Generally speaking, if you purchase compulsory traffic insurance, third-party liability insurance, on-board personnel liability insurance, special insurance without deductible, theft insurance, and glass breakage insurance for a car of 1 million, the premium is about 8450 yuan. Specifically, the compulsory car traffic insurance of 1 million yuan for less than 6 seats needs 950 yuan in the first year, and 1,100 yuan for more than 6 seats; The third-party liability insurance costs about 2,100 yuan; If the on-board personnel liability insurance is selected to be insured for a seat of 100,000 yuan, then the driver's seat needs about 410 yuan, plus 1,040 yuan for four passenger seats, a total of about 1,450 yuan.

The vast majority of places ** will be the third party liability insurance as a compulsory insurance type, do not buy this insurance, the motor vehicle will not be on the license plate can not be inspected. In other words, after applying for this insurance, the insurance company will compensate for all losses incurred by the vehicle in terms of vehicle damage insurance and third-party liability insurance.

Hello, I am a platform special financial consultant, a practicing lawyer is good at debt processing, financial loans, equity investment, insurance consulting, your question I have seen the fingers, is sorting out the answer paragraph guess, it will take about 3 minutes, please wait a while

Generally speaking, if you purchase compulsory traffic insurance, third-party liability insurance, on-board personnel liability insurance, special insurance without deductible, theft insurance, and glass breakage insurance for a car of 1 million, the premium is about 8450 yuan. Specifically, the compulsory traffic or mu insurance of 1 million yuan for less than 6 seats needs 950 yuan in the first year, and 1,100 yuan for more than 6 seats; The third-party liability insurance costs about 2,100 yuan; If the on-board personnel liability insurance is selected to be insured for a seat of 100,000 yuan, then the driver's seat needs about 410 yuan, plus 1,040 yuan for four passenger seats, a total of about 1,450 yuan. Most of the places ** will list third-party liability insurance as compulsory insurance, and if you don't buy this insurance, the motor vehicle will not be licensed and can not be inspected annually.

In other words, after applying for this insurance, the loss of the vehicle in terms of vehicle loss insurance and third-party liability insurance shall be compensated by the insurance company.

If it is a consumer accident insurance of tens of yuan to hundreds of yuan, it may be a few hundred yuan a year, according to the return of accident insurance ** 2000-3000 yuan or so: 18-40 years old 1692 yuan, 41-50 years old 2679 yuan, 50-55 years old 3194 yuan (about **), the main insurance million insurance liability: aviation accidents, water accidents, land traffic accidents death or high disability 1 million, a lifetime of safe return of 120% of the premium.

The premium of personal accident insurance is related to factors such as product type, coverage coverage, insurance period, and the insured's situation. As for the accident insurance you want to buy with an insurance amount of 1 million, you can configure different products for payment and settlement according to your personal situation, you only need to go directly to the insurance company to buy it, and a special salesperson will calculate how much you need to pay every year.

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

Hi: First of all, you want to figure out what problem can you solve if you sell more than 1 million potatoes?

Insurance includes life insurance, critical illness insurance, accident insurance, and medical insurance.

I don't know which one you're referring to

In addition, your age, whether you are married, and whether you are healthy will determine the corresponding premium of 1 million insurance

Hee-hee-hee.

We all know that compulsory traffic insurance in car insurance is mandatory to purchase, in addition, most car owners will also buy third-party liability insurance, car damage insurance, etc. When buying third-party liability insurance, some car owners are confused, the amount ranges from 50,000 to million, which one should be bought? 500,000 or 1,000,000?

If you buy too much, you are worried about wasting money, and if you buy less, you are afraid that it will not be enough, after all, there are so many porcelain parties!

Let's take a look at what netizens have to say:

I buy 500,000 yuan every year, and after the discount, the 200,000 yuan is only 200 yuan more, buy a solid heart, ten years, I didn't use it once, but I will insist on buying, this year to consider 1 million. ”

The difference between 500,000 and 1 million is only a few hundred yuan, and I buy 1 million to be safe. ”

The third and fourth lines are insured with 500,000 yuan, not for fear of crashing but for fear of hitting electric vehicles and pedestrians."

It is recommended that the compulsory traffic insurance be cancelled, and the three insurances should be purchased 1 million".

The cost of different sum insured.

According to the benchmark premium, the premium of 200,000 yuan is 1,270 yuan; The premium of 500,000 yuan is 1,721 yuan; 2,242 pieces of 1,000,000. It can be seen that in fact, the cost of 1 million is only a few hundred yuan more than the cost of 500,000 yuan, but the amount of insurance is 500,000 more.

As for how to buy, it can be considered according to these two aspects:

1. Your own economic conditions.

If your economic conditions are not bad, or you are a novice, decisively choose 1 million Baoqing eggplant, and your losses can be minimized. If the economic conditions are not so good, and you want to spend more money to buy the right amount of three-party insurance, if you are driving to and from work in the city, or an old driver, then it is enough to buy a 500,000 amount.

2. Local economic conditions.

If you live in a first- or second-tier city, with a large traffic flow, many luxury cars, and a lot of congestion on the road, it is recommended to buy and sell a leak of 1 million to minimize your losses. If it is in a third- or fourth-tier city, if the local traffic flow is not a lot and the traffic is relatively smooth, then it is enough for the owner to buy a 500,000 quota.

Additional deductible is not included.

Insurance companies have certain deductibles for commercial third-party liability insurance: 20% for full liability, 15% for primary liability, 10% for equal liability, and 5% for secondary liability. Therefore, it is recommended that when you buy three liability insurance, you should attach a three liability insurance without deductible special insurance, with it, the deductible due to the insurance company also needs to be compensated to the car owner, or a more practical type of insurance.

It's more cost-effective to apply online.

It is best to find a reliable insurance company to buy online, which is cheaper, in addition, the online ** will be more accurate, the renewal is discounted, and the timely claim inquiry of the policy is also faster.

All in all, no matter how much the insurance is insured, it is the most important thing to buy peace of mind, and careful driving, I hope you will never need this insurance for the rest of your life.

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