I want to buy a participating insurance policy for my six year old daughter, can you elaborate on th

Participating insurance depends on the product you choose.

Generally: 1. Fixed rebate, also known as survival bonus, is generally returned from the third policy year.

2. Maturity survival benefit: that is, there will be a one-time payment at the end of the insurance premium payment period (some insurances have) 3. Death benefit: It is generally divided into two types: death before the age of 18 and death after death.

4. Blessing money: Generally, if you are still alive at the age of 60, there will be a one-time payment.

5. Dividends. Generally, there are only a few things, and the specific premium depends on the product regulations.

Hello, it is recommended that you buy dividends, as well as critical illness, accident medical hospitalization. So comprehensive protection. Good bye!

Taiping Life's Changxiang family, pay for 3 years, receive for life, do not receive the gold account, the interest rate is 6%, and there is a high amount of life money at the age of 65.

Taikang Life's Xinxiang Life is your best choice, because Taikang's income is the highest in the industry, ranking first for 12 consecutive years! Recommend adding critical illness and medical insurance, and it's even more perfect! You can call** or add me WeChat, and I will answer for you in detail.

Pacific Life is very happy, stop selling quickly, and hurry up.

You can find an insurance person to make a plan according to your family's current situation and tailor it for you.

Hello! The Pacific Ocean is blessed to give you stable happiness that is worth having, and to ensure your lifelong happiness.

Hello! Pacific happiness accompanies you, with you a stable lifetime of happiness! It's worth having.

Consider Taiping Insurance's Changxiang family, ensure that you are satisfied, call to discuss.

This is a basic plan that you can refer to.

Search 32 billion, you can find the Pacific Happiness Companion, which is very suitable for you.

Hello, the happy companionship of the Taibao is worth having, talk about it in detail.

Xinfu can learn about the types of insurance every year.

Xinfu every year, Xin Ruyi, for your reference.

Buy insurance for children, protection is the first, many people are excited when they hear the word dividend, don't worry, first listen to me after introducing what is dividend insurance, this article can take you to understand the truth of dividend insurance"Count the pitfalls of dividend insurance! Buy with caution".

Participating insurance is essentially life insurance, in addition to providing basic protection liability, this kind of product can also participate in the distribution of the insurance company's surplus every year, different products pay dividends in different ways, can be cash, accumulate interest, offset premiums and purchase one of the increased insurance.

1. Income from participating insurance

Just remember that the dividends of participating insurance are uncertain. The dividends of participating insurance are distributable earnings generated by the difference between death, interest and fees, and many people feel very objective when they see the interest rate calculated by the salesman for you, but in fact, there is no reference value. In fact, we can only obediently wait for the bonus notice, and we will receive as much as it is written on the notice.

There is no guaranteed interest rate, which means that there is a risk of zero return in the participating insurance.

If you want to see a detailed product case, Ping An's Xinsheng Dividend Insurance understands:"[Xinsheng] participating whole life insurance, the income and protection are choking.

2. Is it really not worth buying participating insurance?

When considering participating insurance, first see if you have all the protection. Insurance is a financial tool, it is not born to make money, but to help us pass on the risk, and the current financial insurance on the market, the protection is not comprehensive enough, before the protection is not sufficient, it is not recommended to consider financial insurance.

In addition, the dividends of the dividend insurance can not be used at any time, it has the function of compulsory savings, if you can not have high liquidity, it is more embarrassing to encounter something and not be able to take out the money for emergency.

In general, the income of participating insurance is uncertain, and the protection is insufficient, if you really want to choose a wealth management insurance, then you can consider these products, which are more stable than the income of participating insurance:"In 2020, ten cost-effective annuity insurance".Hope!

Xueba talks about insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated

Click to claim now, I believe it can help you.

How to buy insurance for your child

This problem has made many parents think hard, so let's take a good look at how this problem should be solved! Configure from these three aspects:

First, take care of the medical insurance first!

After the child is registered, the first thing to do is to complete the medical insurance. Regardless of whether it is a major illness or a minor illness, basic medical insurance is particularly important, so it is necessary to apply for medical insurance for children.

Second, on the premise of handling medical insurance, you can start to consider commercial insurance, and critical illness insurance + medical insurance + accident insurance needs to be given priority.

Let's start with critical illness insurance, which provides coverage for as long as possible. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to solving the problem of medical expenses, it can also solve many follow-up hidden problems, such as delaying homework because of illness, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance policy can be used to solve these problems.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of 1,200 yuan, you can buy an insurance amount of 10,000 yuan, which is not expensive and very useful.

Finally, let's look at accident insurance, it is very cheap for children to buy accident insurance, and the insurance amount of 20w is only sixty or seventy yuan per year, which can fully protect the child's accidental death, disability and medical expenses caused by accidents, and it is very cost-effective.

Third, what insurance should not be bought for children?

Don't buy life insurance for your children, and try not to attach both-both-to critical illness insurance. I know the specific reasons in this articleTeach you how to buy insurance for your child!

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very cost-effective.

That's all for me"I want to buy a participating insurance policy for my six-year-old daughter, can you elaborate on that? Thank you"All of them, I hope it helps you! Hope!

Hello! To buy a participating insurance for your 15-year-old son, you need to choose the right product according to the actual needs of the child, such as the type containing the first lead of critical illness, the type of marriage and entrepreneurship fund, and the pension planning type. Here's how to get started:

1. If your son is weak and susceptible to diseases, you can consider purchasing a participating insurance with critical illness protection for him, such as Taiping Sunshine Angel Children's Critical Illness Insurance (Participating), which can provide your son with 22 common critical illness protection for children. In addition, it provides premium waiver protection for the policyholder's death, total disability or 30 types of critical illnesses, to solve your worries.

2. If you want to reduce the pressure of marriage and entrepreneurship after graduation, you can choose a participating insurance with wedding and entrepreneurship funds, such as Xintai Splendid Future Children's Insurance (Dividend) Section A, you can freely choose marriage and entrepreneurship funds according to the actual needs of your children in the future, and you can also attach additional leukemia protection.

3. If you want to plan your child's retirement life in advance, you can choose the Care e-Health Insurance Plan (Zhixun Dividend), which provides health protection, profit dividends, return at maturity, and death liability, which can easily achieve capital preservation and appreciation, plan old age, and provide 35 kinds of high-incidence critical illness protection and death liability.

Educational annuity insurance dividends are more appropriate.

However, it should be noted that the participating insurance is generally a financial insurance, and the protection function is weak, so it is necessary to configure the children's critical illness insurance, medical insurance and accident insurance first, otherwise once faced with diseases, accidents and other accidents, the money taken out from the annuity insurance cannot fully resist the economic risks caused by these accidents. In addition, it should be noted that the buried wheel dividend of the dividend insurance is uncertain. If you also want to know more about the content of dividend insurance, you can poke:

About the participating insurance, what the salesman will not tell you.

There is no good or bad insurance, only the difference between what suits you and what doesn't. The primary role of insurance is protection. There are also many types of protection insurance with dividends, which should be selected according to your own needs, intentions and actual conditions.

There are still many participating insurance in the insurance market, and there are also some products suitable for children, so you can choose flexibly according to your needs.

Regarding the type of participating insurance, I have also analyzed it in detail before, and friends who want to know more can see the following analysis article:

Why are there so many complaints about participating insurance? Demystifying the mystery of participating insurance

If you have not bought protection commercial insurance for your children before, it is not recommended to give priority to buying some dividend insurance, because many dividend insurance on the market now, the main income is dividends, and this dividend is uncertain.

Generally speaking, the dividends of insurance companies are related to the actual operation of insurance companies, although many participating insurance companies say how much the policyholder can pay dividends each year when they advertise, but this income is not written into the insurance contract.

In addition to the uncertainty of dividends, many participating insurance companies only have a basic death or total disability protection in terms of personal protection, and there is no protection for illness, hospitalization, accidental medical treatment, etc., if the child unfortunately falls ill in the future, or has an accident, he will not be compensated.

The 2023 Top 10 Participating Insurance Rankings are newly released!

In general, it is still more complicated to buy insurance for children, and you may be cheated if you don't pay attention to it.

In-depth article - How to buy insurance for children? Netizens shouted: Why is it only seen now

That's all there is to it, hope.

If you don't know your advance, family composition, or financial income, it's hard to say that participating insurance is definitely right for you.

Buying insurance is buying protection, that is, buying appropriate insurance for critical illness according to the actual situation of the individual.

It is recommended to consider accident + health care + critical illness first. Secondly, consider the savings of education**.

Before buying savings for your child's education, check whether your parents' protection is perfect.

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

Xueba talks about insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated, now for free, click to claim now.

How to buy insurance for your childThis question has discouraged countless mothers and fathers who want to buy insurance for their babies, and today let's take a good look at how to buy insurance for their children so as not to be pitted! Pay attention to three key points:

First, the country's medical insurance must be handled.

After the child is registered, the first thing to do is to complete the medical insurance. Whether it is a major illness or a minor illness, basic medical insurance is particularly important, so this must be handled for children.

Second, on the premise of handling medical insurance, you can start to consider commercial insurance, and critical illness insurance + medical insurance + accident insurance needs to be given priority.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve other associated problems, such as delaying homework due to illness, which requires a lot of cash to make up for it. Buying a pure protection critical illness insurance can just solve these problems in the future.

For example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is not expensive and very useful.

Finally, there is still an accident insurance, the child's accident insurance is very cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, cost-effective.

Third, don't buy both types of insurance for your child!

There has been a detailed introduction in , so I won't go into too much detail here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, you can get it for a thousand yuan a year, if you buy lifelong protection, it is only two or three thousand per year, ** low protection and real.

That's all for me"Is it necessary to buy child participating insurance?"

Hello! There are many risks in the process of growing up for children, and once these risks occur, they will bring a lot of financial losses to the family. To avoid these risks, you can apply for child participating insurance for your child, which has a high chance of coverage and cheap premiums; Risk transfer, ensuring the stability of family life, etc., are good choices for your child.

When you apply for insurance, you need to consider two aspects, which are protection and benefits. Of the two, protection should be considered first, so that it can bring more protection to the child. Of course, you should also note that the rate of return of participating insurance cannot be fixed and quantified in advance, and the demo interest rate of the product is only for reference, so the policyholder needs to know more about the intended insurance company, including the company's operation, industry evaluation, past dividend level, company service level, etc.