Which type of person needs insurance the most?

Household income is uneven.

At present, many family income is dependent on one person in the couple, this person is the so-called pillar, such a family income structure is "too concentrated risk" in the jargon, once something goes wrong with the pillar, the whole family's finances may collapse.

The level of household income is relatively low.

If a family has little or no balance except for living expenses, such a family has little or no ability to resist risks, and any risk can be fatal.

High-income, high-indebted households.

That is, "double high" families. If the years are quiet and the people who make money at home don't have any accidents, the days are still quite moist, and there is no problem in repaying debts, but if the people who make money have some accidents, the debts will be on the family, and the debts are high, and the family may not be able to afford them.

People who sell insurance need it the most, because they need to convince others that it works.

For adults, the function of insurance is mainly content:

1. Death protection, the purpose is worthy of the family, and the money is left behind;

2. Accidental disability insurance, the purpose of which is to compensate for a large amount of disability caused by accidental injury (in reality, this risk abounds).

3. Reimbursement of medical expenses, with the aim of reducing the pressure of medical expenses;

4. The purpose of supplementing large medical expenses for critical illness is basically the same as above, and it is put forward separately, mainly because the insurance significance of critical illness insurance is greater, because it is often a solution to the unbearable burden;

5. The purpose of pension savings planning is to save little by little in advance to accumulate their future pension funds, accumulate a lot, and improve the quality of life of the elderly in the future.

Insurance, like our clothing and food, is a necessity for every family and every person. Everyone needs it. The particularity of insurance lies in the fact that, in addition to the basic transfer of birth, old age, sickness and death, accident risks, insurance also has its unique legal functions, such as in the inheritance of assets, insurance and wills and trusts are considered to be one of the core tools of the wealth inheritance of entrepreneurs' families, insurance has hidden functions such as avoiding marriage risks, debt risks, etc., insurance can effectively build a firewall for family business and corporate finance in asset allocation, and avoid the potential of mixing family and enterprise assets.

The risk of financial crisis and debt crisis. It's just that different groups of people have different understandings of it and have different emphases.

In fact, any kind of person needs to buy insurance, whether it is a young person in good health or an elderly person, they all need to buy insurance. After all, we have risks at any stage of life, such as health risks, accident risks, etc., and we all need insurance products to transfer the corresponding risks for us.

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

So in the next time, the senior sister will introduce to you what insurance people of different ages need to buy! Don't talk nonsense, go straight to the dry goods!

1.Child.

Because of the child's young age, poor sense of self-protection and other reasons, the child will always encounter illness or accidents, once suffering from a serious illness or accident, not only will the child's body and mind suffer a huge blow, the whole family will also fall into endless self-blame.

Therefore, it is necessary to configure critical illness insurance, medical insurance and accident insurance products for children to help families resist the financial risks caused by their children's critical illness or accidents!

2.Middle aged.

For middle-aged people, this time can be said to be in the stage of "old and young", and they are also responsible for the main economy of the family, and there is no room for mistakes.

Therefore, the insurance that middle-aged people want to allocate should also be relatively sound, and it is generally recommended to buy critical illness insurance, million medical insurance, accident insurance and life insurance.

And as we all know, a critical illness requires huge medical expenses, and critical illness insurance can not only allow the insured not to worry about the money for treatment, but also make up for the economic losses caused by the critical illness, such as lost work expenses and nutrition expenses.

So what kind of critical illness insurance is currently on the market that is worth insuring for middle-aged people? Senior sister will tell you in one article:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

3.Senior citizen.

Because the elderly are older and their physical health is declining, many insurance companies have fewer opportunities to provide coverage for the elderly.

However, the elderly can choose to take out cancer insurance and accident insurance, these two insurances are relatively friendly to the elderly, not only the health notice is relaxed, but also the upper limit of the insurance age is also very high, basically can reach 70 years old, or even 80 years old!

What are the insurances for the elderly, and what insurance is good for your parents, you all need to know.

Medical insurance, critical illness insurance, accident insurance.

1. Medical insurance is mainly divided into small medical insurance, million medical insurance, high-end medical insurance, etc. Micromedical insurance is divided into small outpatient medical insurance and small inpatient medical insurance. Small outpatient medical insurance is mainly used to reimburse the medical expenses caused by outpatient treatment, although it is not expensive, but the amount of protection is usually about a few hundred yuan.

Million medical insurance is not limited to social security drugs, disease types, and means. Hospitalization expenses due to illness or accident are reimbursed.

2. Critical illness insurance, as the name suggests, is insurance to protect critical diseases, such as cancer, acute myocardial infarction and other high-incidence diseases. Critical illness insurance is like a local tyrant, if you get sick, as long as you meet the compensation conditions, you will be directly thrown a sum of money, without waiting for reimbursement, it is a compensation type. It can be used to treat diseases, and it can also be used to make up for the loss of income, maintenance expenses, nutrition expenses, etc. caused by illness.

3. Accident insurance, its function, is to protect the risks of accidental death, accidental disability and accidental medical treatment caused by accidents. And it must meet the four points of external, sudden, unintentional and non-disease at the same time to be called an accident. Generally, it is divided into short-term accident insurance and long-term accident insurance.

The purpose of buying insurance is to provide better protection for yourself, and different types of insurance will have different effects. Daddy here recommends buying four types of insurance, which are: life insurance, accident insurance, medical insurance, and critical illness insurance.

The detailed introduction of these insurance types is here in "Daddy Classroom Section 1: Four Common Types of Insurance", you can learn about it.

What do they do?

1. Life insurance. Life insurance is easier to understand, if the insured dies or becomes totally disabled within the number of years agreed in the contract, the insurance company will pay a sum of compensation according to the agreement, which is mainly divided into term life insurance and whole life insurance.

2. Accident insurance.

Accident insurance, which provides financial compensation for the loss of the insured person due to death or disability caused by an accident.

At the same time, the insurance threshold of accident insurance is relatively low, the premium is relatively cheap, the leverage ratio is relatively high, and the cost performance is very good.

3. Medical insurance.

Medical insurance, which mainly reimburses the reasonable expenses incurred by the insured in the process, is usually limited to a certain amount.

4. Critical illness insurance.

Critical illness insurance is mainly used for expenses and compensation for economic losses, once a person has a critical illness, in addition to paying high medical expenses, there will also be a lack of income**, and many families are "poor due to illness" is also the reason.

For ordinary people, when buying insurance, it is recommended to give priority to accident insurance, medical insurance, and critical illness insurance.

1. Accident insurance:There are two types of life insurance that takes death or disability caused by accidental injury of the insured as the condition for the payment of insurance benefits, namely, death benefit and disability benefit.

2. Medical insurance:Generally, it refers to basic medical insurance, a social insurance system established to compensate workers for economic losses caused by the risk of disease. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

3. Critical illness insurance:Critical illness insurance is critical illness insurance, when the insured suffers from a critical illness covered by the insurance contract, the insurance company will compensate the insured for the medical expenses spent. Relevant data show that the current average cost of critical diseases is about 300,000.

How much does it cost to buy insurance for an individual? How do we match our budget? Take a look at this:

How is it better for individuals to match insurance? How much does it cost?

For ordinary families, it is necessary to purchase critical illness insurance. However, different groups of people have different needs for insurance. If the economic conditions allow, you can buy an endowment insurance, so that after retirement, the pension life will be more secure.

If you are worried about your child's education, you can buy your child's education insurance to prepare for your child's future.

To learn more about insurance, you can consult Mint Insurance, which is built by a team of industry veterans to build a complete professional content system such as insurance concepts, insurance misunderstandings, product evaluation, program configuration, and practical strategies, so as to improve insurance awareness step by step.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of an accident that may occur as agreed in the contract, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract. Commercial insurance can be roughly divided into: property insurance, life insurance, liability insurance, credit insurance, allowance insurance, and marine insurance.

You can purchase life insurance (such as life insurance, accident insurance, illness insurance, etc.) as much as you can according to your age, occupation, family structure, economic income and other actual circumstances, which can not only afford the premium payment, but also appropriately transfer the relevant risks.

95511-1, Ping An Auto Accident Insurance: 95511-5, Ping An Pension Group Insurance: 95511-6.

There are many types of insurance on the market, but when it comes to adults, there are only 4 types of insurance that must be bought as adults, namely accident insurance, medical insurance, critical illness insurance and life insurance. The roles of these four types of insurance are different, and they need to be matched with practicality, and they are all worth enough.

If you don't know how to buy these 4 types of insurance, you can take a look at this guide: how to configure the four major types of insurance? Keep these points in mind and easily buy the most practical and cost-effective insurance!

1. Accident insurance:

Accidents are all too common in our lives, such as falls, cuts, burns, car accident injuries, and so on. Not only does it cost a lot of money, but serious accidents can also lead to disability, and even many people die due to accidents.

These unexpected events can easily happen in everyday life. Therefore, accident insurance can be said to be something that everyone needs.

2. Medical insurance:

Although most people now have medical insurance, medical insurance reimbursement not only has to reach a certain amount, but also has drug restrictions.

For example, in I am not the god of medicine, the drug for leukemia cannot be reimbursed by medical insurance in some places, while commercial medical insurance can make up for these gaps. Therefore, commercial medical insurance is also required.

3. Critical illness insurance:

If you suffer from a serious illness, you will not be able to work normally in the short term, your income will be lost, and you will need to bear high medical expenses, which can be imagined and very stressful.

At this time, if there is critical illness insurance, you can directly compensate hundreds of thousands, which not only solves the problem of medical expenses, but also makes up for the loss of income.

4. Life insurance. Life insurance takes people's lives as the object of protection, and to put it bluntly, it is compensation when they die.

With life insurance, in case one person is gone, the insurance company will pay a large amount of money to your family to avoid financial problems in the family. The ** of term life insurance is also very low, 500,000 guaranteed life, paid for 30 years, insured for 30 years, and less than 200 yuan a year.

Pay attention to attentive insurance, 1-to-1 free consultation, adhering to a professional, objective and neutral attitude, choose more cost-effective products for you, and make buying insurance an easy task!

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.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs. However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the terms of vehicle damage insurance and grasp the content of vehicle damage insurance before applying for insurance, so as to avoid falling into the misunderstanding of claims.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

Principle 6: Other types of insurance should be selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

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