I am 39 years old, I buy Ping An Fu, and what should be the appropriate proportion of my value for a

1.The range of choices is relatively wide for the appropriate age of purchase.

2.The expenditure of family premiums should be 10%-15% of the annual family 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 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.

Long-term accidents can be even higher, plus accidental injury medical treatment and hospitalization medical care is perfect.

Ping An Fu is very good, the accidental injury insurance amount is a bit low, plus hospitalization and accident medical treatment is even better.

Everyone says that long-term accidents are low, and this advice is correct, and it can be made up in the future to make the protection more perfect.

There is nothing reasonable or unreasonable about collocation, it just depends on your needs and your own comprehensive situation.

It depends on whether your needs are enough, whether it is reasonable or unreasonable. Be tailor-made.

This is just the beginning, and it will be perfected in the future.

There is no right or wrong demand, and the guarantee is not enough.

Yes, plus accidental medical treatment, even better.

It's up to you to focus on what you focus on.

Hello! The sum insured is configured according to your protection needs.

Ping An Fu is one of the best critical illness insurance companies sold at present, with sales of 157 yuan last year alone.

The new version of Ping An Fu 20 is exactly the same as the previous Ping An Fu 2019 in terms of protection, but it is cheaper, about 2% cheaper.

On the whole, the guarantee of Ping An Fu 20 is still very simple, and the reason why it has attracted high attention is mainly because of the big brand of Ping An Fu.

Let's go straight to the conclusion:

If you are looking for value for money:Taiping Jinsheng Kangrui ** is the lowest, and the protection is basically enough, but if you want to buy more than 300,000 yuan for this product, you can only go through bank channels.

If you value comprehensive protection:Xinhua Health Worry-Free (IKEA Version) suffers from 18 specific diseases for children, such as leukemia, hand, foot and mouth, and can pay 1 times more than the sum insured; After the age of 61, Pacific Jinfu can also pay 1 times more for 10 geriatric diseases such as Alzheimer's and Parkinson's.

If you prefer the Ping An brand:Ping An Fu Shangfu 20 is better than Ping An Fu 20, but if you want to buy Fu Shangfu 20, you must first buy a Ping An one-year critical illness, which is about a few dozen yuan.

In fact, if you don't care much about the company's brand, there are many more cost-effective products on the market to choose from.

Personally, I choose products and pay more attention to the protection itself, because insurance is essentially a financial contract, and claims are settled in strict accordance with the terms, and I don't really value the brand.

Deep Blue Insurance (ID General) focuses on insurance evaluation agencies and looks for cost-effective products for you; The answers to questions about insurance can be found on the official website of Deep Blue Insurance.

Hello, the Pacific Jinyou life is also good, it is a product that won last year, you can learn about it.

You really have a vision, you can, Ping An Fu is the only one named after Ping An Insurance Company of China. This is a product that protects against critical illnesses and accidents.

If you are 35For customers over the age of the age, I recommend you to buy a talisman.

This one is currently one of the most popular products that Ping An buys.

Ping An Fu Full Score, this is a regular return type critical illness insurance, you can choose to protect up to the age of 80, and the premium paid can be refunded after the expiration of the insurance period.

Ping An Fu series is the star product of Ping An Life, which has been upgraded 7 times since the first generation was released in 2013.

Let's take a look at the following comparison chart of 20 vs. 19:

Let's analyze and see how the protection content of Ping An Fu 20 is:

Basic Rules:

You can apply for insurance from 18 to 55 years old, and the insurance scope is not wide, but the insurance period is still relatively flexible, and you can choose to cover until the age of insurance.

According to the statistics of the average life expectancy of China's population, if you choose to protect it to the age of 80, it can be understood to a certain extent as a lifelong guarantee.

The payment period can be selected up to 30 years, and the waiting period is 90 days, which is quite reasonable.

Sickness coverage:

Critical Illness Benefit: 100% of the basic sum assured for 100 illnesses, only one payment.

Minor Illness Benefit: Covers 50 illnesses and can be paid up to 3 times, with 20% of the basic sum assured paid each time, with no interval.

What I want to say more about mild illness protection is that if you have learned about Internet insurance, you will know that online critical illness insurance products also have an additional protection for moderate illness.

In fact, the Internet insurance company will take out some of the more frequent mild illnesses separately to increase the amount of compensation, so that the protection of the insured is more comprehensive.

The other benefits of Fu Full Score 20 are relatively simple, one is death benefit, and the other is the return of the premium when due, but the daddy does not recommend everyone to choose the product of returning the premium. For details, it is recommended to read: "Ping An Critical Illness New Product Collection Evaluation, Ping An Fu 20 Leads!" 》

Dear, I recommend to you the Pacific Jinyou Life, it is an insurance that will grow up, including 60 kinds of critical illnesses, 12 kinds of mild illnesses, regardless of accident value, critical illness, mild illness, pension, the longer the protection.

As long as these are more than 6,500, it mainly depends on whether you think such an insurance amount is enough.

Must be exempted from the insured's critical illness, male:; F: It is recommended to add some medical insurance, I hope it will help you.

Hello! All you do is naked peace and happiness, if it is a boy's yuan.

For example, about 6500 is enough for these items.

Is there no additional medical treatment for accidents and hospitalizations? is important.

If only these items are more than 6,500.

"Prudential Life" only has three deductibles, which no company can match.

You are welcome to consult and understand, what other companies can't do, our company can do

What other companies can do, my company can do the same.

Additional insurance: hospitalization expenses, accidental medical treatment, hospitalization daily subsidy are not required?

Hello, I can tailor one for you.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Why not pay it for 30 years?

The happiness of peace and well-being is half cheaper than this, pay 10, report to the age of 85 or returnable, and return 128% at the end of the period.

Precautions for purchasing insurance:

1. Choose the right type of insurance.

Priority will be given to the three types of insurance that have a greater impact on oneself and family in the event of death (life insurance), accident and critical illness; secondly, medical care, pension, etc.;

2. Determine the amount insured.

When these three types of risks occur, how much compensation is needed, and the family's economic life will not be greatly affected;

3. Determine the duration of the guarantee.

According to the personnel structure of yourself and your family, the stage of life, consumption habits, budget, etc., decide whether to buy fixed-term products, or lifelong or long-term products. (If you're on a budget, be sure to think about the near future.) ）

Take critical illness insurance as an example: pay attention to the following points:

There are various types of critical illness insurance, and only those that meet your actual needs, are cost-effective, and have good claims services are the first choice.

1. According to the duration of the insurance: regular and lifetime;

2. The impact of the payment on other types of insurance: early payment (after payment, the amount of death and other benefits will be reduced accordingly) additional payment (death and other liabilities will not be affected);

3. Number of payments: single, two, three, four, etc.;

4. Waived: Waiver of late premium for mild illness and waiver of late premium for critical illness;

5. Observation period: whether life insurance is the same as critical illness insurance, and some life insurance (death) has no observation period;

6. The ratio of additional benefits for individual diseases, the duration of protection, and the scope of diseases (this article is more greasy, so you must pay special attention to it).

China Taiping is full of money, the shortest observation period in the market, after 90 days, it has 240% of the sum insured, and it also has a policy loan function, which can borrow up to 90% of the cash value, and the funds are more flexible! There is no risk, no tax, saving money with protection, so that you have no worries in your life [naughty] For example, this insurance can be paid 4 times! If you buy a critical illness insurance with an insured amount of 100,000, the details are as follows:

1. The compensation for special diseases is 20,000 yuan [strong].

2. Minor illness will pay another 20,000 yuan [strong].

3, 100,000 yuan for severe illness!

4. After paying the above compensation, the future premium can be waived, and 100,000 + dividends will be paid in death!

Ping An Fu is good, you can also look at the products of China Life, Xinhua, Pacific and other insurance companies.

Hello, you can consider our all-round A plus Kangyi with low premium and high protection.