Is Taikang Life Universal Insurance suitable for 50 year olds?

Not suitable, universal insurance is to take your money to invest, earn more or less money, and you pay the first premium to deduct at least 50% of the company as operating expenses, and then deduct the cost every year, after deducting the protection fee, the rest is the capital you to invest, and the dividend money earned within 6-7 years is not as good as the deduction of your money. Of course, if you invest for 30-40 years for a long time, it is still good. It does not contradict pension insurance.

You can withdraw the bank's current savings at any time without losing capital, and if you take out the universal insurance without maturity, you will lose a large part of the capital.

It is not appropriate to buy universal insurance at the age of 50, because the cost of protection deducted by it is too high

Universal insurance is more suitable for high-income people, short-term investors, families with low income levels and the elderly are not suitable for universal insurance. ”

If you are saving money, you can take a look at the short-term financial insurance sold by the bank, and if you consider protection, it is okay to consider accident insurance at this age.

First of all, it is certain that it is not in conflict with the pension of social security, but on the contrary, it is the icing on the cake to lay the foundation for a high-quality life in the future. It is still very appropriate to compare the insurance product with the bank's current savings. However, you can't take out all your savings to buy insurance, that is not reasonable, and you can invest separately to avoid risks more effectively.

If you are using it for pension savings, don't buy it for many people as insureds, so that the basic premium deduction and critical illness and death can not be recovered until death.

It is recommended to let the person of the age buy it for the child, so that the child of the next age can be the insured, so that the money is still the policyholder's opinion, but the consent of the child should be sought, and the child should be signed.

It depends on how much you are prepared to pay annually and how healthy you are.

Hello, critical illness + hospitalization.

Whether Taikang Life's universal insurance is good or not depends on the actual products purchased, combined with personal protection needs and economic conditions. The advantage of most universal insurance is that it can enjoy protection and income, but there are also shortcomings such as uncertain actual income and weak personal protection.

Next, the senior sister will come to give you a science popularization of universal insurance, not much to say, just go straight to the dry goods!

Universal insurance is an insurance product that includes two major functions of investment and protection, not only enjoy protection, but also the premiums we pay, after deducting the sum of the initial fee and protection cost, the remaining funds will also enter the universal account to achieve value-added.

Is universal insurance really "universal"? Not necessarily. Because universal insurance is more focused on financial management functions, its protection function is relatively weak, and it cannot replace pure protection insurance.

In the case of not having a good configuration of protection insurance, if you directly insure universal insurance, there is still a large risk gap in your personal health. Therefore, the senior sister also suggested that when buying insurance, you should follow the principle of "protection first and then financial management", and you can arrange critical illness insurance, medical insurance, life insurance and accident insurance first.

About how to buy protection insurance, there is a rough cherry blossom strategy for reference, come and check:[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance

In addition, the actual benefits of universal insurance are uncertain. Although universal insurance has a guaranteed return, those parts that are higher than the guaranteed return are uncertain. For example, the guaranteed interest rate of a universal type is 2%, but the settlement interest rate is uncertain, it may be or 3%.

Everyone should also be aware of the volatility of investments. Hope.

There is no best insurance, only the suitability!

For the elderly, as long as they are not over 65 years old, Taikang has medical insurance, as well as other accident insurance, and cancer insurance for the elderly is also good.

If you have any other questions, please feel free to send a private message!

Hello, about the elderly to buy insurance, compared with young people: the same amount of insurance under the premium is more expensive, and requires a physical examination, the physical examination can not be passed, or the exclusion or refusal of insurance. It is recommended to improve basic social security (community medical care or NCMS + basic pension) first.

Secondly, apply for accident insurance. 100 years of good accident protection every year. Finally, you can consider critical illness insurance, although the premium is more expensive, at least you can buy it, and you can do it yourself.

After all, something is better than nothing.

Does your mother have social security? Are there any other business insurances?

Your mother's healthy life insurance amount will not be too high, too high will experience the experience of generally not being able to pass at this age!

You can do additional term life insurance for the elderly, and it is recommended to do a healthy life for life, but don't make the sum insured more than 100,000!

In addition, you can also consider whole life insurance, which is equivalent to a critical illness insurance that pays after the fact. At that time, you can borrow money with the insurance policy.

I think I should buy the authoritative one.

My mom and dad both bought Chinese birthdays.

You should buy endowment insurance.

Your mommy won't be able to buy universal insurance in another year, so if you want to buy it, buy it as soon as possible. What city are you in? If you are in Beijing, you can contact me.

You can consider Ping An Insurance, I can tailor a suitable plan for your baby.

Universal insurance payment is lifelong, the deduction is also lifelong, and the annual deduction amount is with age**, which increases rapidly! The main insurance will only receive the benefit in death!

At the same time, universal insurance has a guaranteed interest rate, and the minimum interest rate of Ping Tease is the bottom interest rate, and other insurance companies are!

Buying Magnum must be noted:

1. Not suitable for people around 50 years old or above.

2. Based on the contract, the guaranteed interest rate shall not be lower than the bank interest rate.

3. The company has long-term stable income, and the investment income is not high or low.

4. The annual premium should be in line with your financial ability and controlled at 10-15% of your annual income

5. The controllability of universal insurance is extremely poor, and the cost is extremely high, so it is recommended that the age of payment is more than 10 years.

6. The best buyers are mainly those with generous financial ability, the younger, and those with conservative needs, commonly known as "rich people"!

Extended reading: [Insurance] How to buy, which is better, hand-in-hand mountain Mingshan teaches you to avoid these insurance"pits"

Hello! When buying insurance, people in their sixties should consider pure protection products, such as accident insurance and health insurance, which will be more cost-effective. You must know that the physical fitness of the elderly in their sixties is declining, their hands and feet are inflexible, and the risk of accidents is greater, so they need to purchase appropriate accident insurance, Taikang "Old Blessing" accidental fracture insurance, "Worry-free" comprehensive accident insurance platinum plan (18-74 years old) are good choices.

In addition, the 60-year-old Fengla is often a high-risk group of cancer, you can choose the Taiping Xiaoxinbao Elderly Cancer Insurance Plan, the basic insurance amount of Xinji potato is 1-100,000 yuan optional, you can choose 3 years, 5 years, 10 years, 20 years to pay, the protection period is 10 years, so as to provide better health protection for yourself. There are many insurance products suitable for the 60-year-old, you can come to compare and buy, which is not only convenient and fast, but also can get at least 15% discount.

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

Hello, Taikang Life Universal Insurance product is still good, the main insurance benefits are death, disability, critical illness, premium waiver. The product has the dual functions of protection and savings. There is no such thing as a good or bad insurance product, the key is whether the product meets your actual needs.

There are currently up to 15 insurance companies available, so you can compare products and choose the right plan for you. In addition, because of the different types of insurance you choose for different ages and occupations, you can also call 4006788618 and we will recommend the right insurance for you.

Huatai "Golden Life" comprehensive accident insuranceIt covers high-value accidental injury, accidental medical treatment, and transportation protection, which is suitable for business travelers who frequent business travelers.

1. 500,000 yuan for general accident insurance and 50,000 yuan for accident medical insurance;

2. Aviation accident insurance is up to 2 million yuan, and train, ship and automobile insurance is 500,000 yuan;