What is the maximum age of a Chinese life policyholder, grandfather is eighty years old, can he insu

No! The company has a stipulation that the policyholder should be the legal guardian. Namely: the child's parents. If the parents are not alive or have broken up, then they can be insured, but the age of the option to be exempted from liability cannot exceed 50 years old.

Hello: No, the maximum age of the policyholder is 65 years old.

Hello! Grandpa can't be an insured person at any age. Only the child's parents can be the child's policyholders.

It should not be possible to apply for insurance from one generation to another, the grandson is already an adult, and the policyholder can write the name of the grandson.

Products that do not involve life insurance are insurable. For example, education funds, etc., we recommend that you can pay for your parents to be insured.

The insurance is mainly for immediate family members, and the grandfather can pay for it, so it is advisable for parents to insure their children. Thank you.

Hello! The insurance is mainly for immediate family members, and it is recommended that the grandfather pay for it and let the parents be the policyholders.

In today's continuous accidents, everyone should establish a full sense of risk, and take the initiative to apply for accident insurance for themselves and their families, which is not expensive, but can greatly improve the safety and security of themselves and their families. Chinese Life Insurance Accident Insurance is suitable for people of what age.

The underwriting age of Chinese Life Accident Insurance products is very wide, taking the popular Worry-Free Comprehensive Accident Medical Advance Protection (China Life Version) series products as an example, the underwriting age is 3-74 years old, which can be described as suitable for all ages. Here are a few things you need to pay attention to before you apply for insurance:

1.Reasonably select accident insurance according to the current accident protection needs of the insured object.

2.Pay attention to the coverage of medical expenses in accident insurance. When buying accident insurance, you should pay attention to the reimbursement of medical expenses.

3.Understand what it means to be unexpected. The insurance clause stipulates that the accident is "foreign", "sudden", "unintended", and "not sick".

For example, if it is a sudden illness, then even if it is sudden, it is not intended, but because it is a disease, it is not in the category of accidental injury.

4.Understand the exclusion of liability for accident insurance, the scope of coverage, the insurance conditions and the hospital you visited. Accident insurance has restrictions on the occupation of the policyholder, and high-risk occupations will be denied.

Most accident insurance products have requirements for the hospital you visit. The general requirement is a second-class hospital or above.

5.Pay attention to the provisions of the insurance clause on the deductible, out-of-pocket ratio and maximum reimbursement limit for medical expenses, and try to choose accident medical insurance with low deductible, large reimbursement ratio and high reimbursement limit.

6.A good insurance platform is important. Provide accident insurance products from multiple insurance companies, and you can compare and choose the most suitable accident insurance product for yourself.

Chinese Life Insurance Accident Insurance underwrites a wide range of ages, suitable for the vast majority of age groups to purchase, through the purchase of Chinese Life Accident Insurance not only has a large choice, but also the later claim service is guaranteed. Coverage of the basic plan of Worry-free Comprehensive Accident Medical Advance Benefit (China Life Version): *Accidental Death Disability 100,000 Yuan*Accidental Medical Treatment 10,000 Yuan *Guarantee or disbursement of hospitalization medical expenses is as low as:

From 60 yuan, worry-free comprehensive accident medical advance payment benefit (China Life version) Platinum Plan coverage: * accidental death Disability 100,000 yuan * accidental medical treatment 20,000 yuan Accidental hospitalization allowance 60 yuan * Guarantee or disbursement of hospitalization medical expenses as low as: 108 yuan Worry-free comprehensive accident medical advance protection (China Life version) Diamond Plan coverage content:

Accidental death, disability 300,000 yuan*Accidental medical treatment, 50,000 yuan, accidental hospitalization allowance 100 yuan, days* Guarantee or disbursement of hospitalization medical expenses as low as: 328 yuan.

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

According to the classification of the Insurance Association of China, there are two types of common life insurance: life insurance and comprehensive insurance. The underwriting age of these two types of insurance is relatively relaxed, and different products will be different, term life insurance and comprehensive insurance are commonly 0-60 years old, while the insurance age of whole life insurance will be a little looser, and many products can be insured by people in their 70s.

If you want to buy these two types of insurance, you must understand these insurance knowledge before applying for insurance: before buying insurance, you must first understand these key knowledge points!

1. Life insurance: Life insurance is an insurance that provides protection for the death or total disability of the insured, with the death or total disability of the insured as the payment condition, and the insurance company pays the sum insured after the death or total disability of the insured, which can be divided into whole life insurance and term life insurance according to the different protection periods. If you're looking for life insurance, take a look at this list of life insurance I've put together:

Top 10 Life Insurance Worth Buying!

The value of term life insurance is to help the family fill the financial gap after the death of the insured, and the people who are suitable for this type of insurance are naturally the main breadwinners of the family; Whole life insurance premiums are much more expensive than term life insurance, and whole life insurance is suitable for people who are not short of money, want to achieve financial appreciation, and only want to leave an inheritance to future generations.

2. Both insurance: also known as life and death insurance, it has the role of both life insurance and survival insurance. If the insured dies within the agreed period, the death benefit will be paid; If the insured person is still alive after the expiration of the term, then the survival benefit will be paid.

Some of the endowment insurance also comes with an additional life benefit, and a certain percentage of the sum insured will be given if you still survive to the agreed age. If you want to know more about the content of both insurance, you can check out this article: about the two insurance, the salesman will definitely not tell you!

OK. Xinfu Nian Nian "product form:

Insurance age: 0-65 years old, to meet the needs of all age levels.

How do Chinese Shou Xin Fu be guaranteed every year?

Payment period: 3 years, 5 years, 10 years; Invest regularly and benefit in the long run.

How long does Chinese Shou Xin Fu keep it every year?

Insurance Period: Lifetime Financial Management.

What does the Chinese Shou Xin Fu keep every year?

First, the fixed income is high.

Instant Payment: 12% of the initial premium will be refunded immediately after 10 days of policy validity

Fixed annual payment: From the second year to the age of 79, 15% of the basic sum assured will be refunded every year

Quick return to capital: You can specify the return age (as fast as 55 years old) according to your needs, return the full amount of the premium at one time, and continue to receive the annuity after the return of the principal, and return the principal and return the income!

Men can specify an age of one year.

Females can specify age and 75 years of age.

Happy Birthday Celebration: 100% of the sum insured will be refunded at the age of 80.

2. Death benefit.

Inheritance of Death Benefit Assets: Return to Jane Wang and repay the premiums paid.

High Accidental Death Benefit: Long-term accidents (general, passenger, self-driving, natural disasters, aviation) can be added, and targeted high benefits can be added.

3. Diamond Xin account clever financial management:

Only up but not down high settlement: all rebates can enter the diamond Xin account to enjoy lifelong secondary value-added, daily interest and monthly compound interest, compound interest 12 times a year, under the guarantee (the guaranteed annualized is not capped (the official interest rate announced in September.

Flexible withdrawal can be added: Diamond Xin account account value withdrawal is flexible, you can get it if you want to use it! Additional investment can also be added to easily meet the needs of Lingxiao at all stages of life!

Insurance case: Mr. Wang is 30 years old, insured Xinfu every year, pays 146,880 yuan per year, pays for 5 years, has an insurance amount of 100,000 yuan, and chooses to receive a pension at the age of 60.

Insurance benefits: 17,626 yuan (12% of the initial premium) when the policy is effective.

31-79 years old annual return of 15,000 yuan (15% of the sum insured).

At the age of 60, a one-time refund of 734,400 yuan (full premium) will be returned.

At the age of 80, a one-time return of 100,000 yuan (100% of the sum insured) will be returned.

The above return enters the Xin account (diamond version) for the second value-added:

At the age of 65, the median account value is assumed: 10,000.

At the age of 75, the median account value is assumed: 10,000.

At the age of 85, it is assumed that the median account value: 10,000.

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

Life insurance terms generally have an age limit, which is the insurance company's underwriting age range for a certain type of product, for people who have exceeded the age range designed by the clause, if they have been underwritten, whether the insurance contract is valid should be determined according to the specific circumstances:

1. If the age declared by the policyholder exceeds the limit, causing the insurance company to fight for overwriting, the insurance contract shall be invalid, and the insurance company shall have the right to terminate the contract, but the right shall be extinguished if it is not exercised within 30 days from the date of knowledge of the insurance company;

2. If the age exceeds the limit and the contract is more than two years from the date of establishment, the insurance company shall not terminate it. In the event of an insured accident, the insurance company shall compensate for the accident.

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

Life insurance generally refers to term life insurance, whole life insurance and both insurance, etc., most of the products are from 0 years old, and the insurance age is generally from 60 years old to 80 years old, different insurance products for the age of the insured is different, depending on how the contract stipulates. Both comprehensive insurance is easier to understand, that is, "life is also life", but some friends are not too clear about the difference between term life insurance and whole life insurance, you can take a look at this article first:What is the difference between term life insurance and whole life insurance?

Senior sister will tell you in one article!

Term life insurance focuses on protection, is a type of product with higher insurance leverage, with a lower premium can buy a higher amount of insurance, more suitable for the brother's family economic pillar insurance, the insurance money received can replace the family pillar to bear part of the economic responsibility (such as supporting the elderly, raising children, repaying foreign debts, etc.). Tongfang Global Zhenai 2022 is one of the products with a better reputation among similar products, which can accept people up to 60 years old to be insured, and can also attach sudden death care insurance benefits, and the exemption clauses are as low as 3, which is cost-effective. If you are interested in this product, you can click on this review article to learn more:

Tongfang Global Zhenai 2022 Internet Term Life Insurance is coming? I'll talk about it after reading it

Whole life insurance has two major functions: protection and financial management, which is suitable for friends who need wealth appreciation and wealth inheritance. At present, the products with relatively high returns mainly include Hongkang Jinyulun Yinmantang Hongkang Jinxingzu No. 3 and Tongfang Global Inheritance Privilege and other increased whole life insurance. Among them, the upper age limit of Hongkang Jinyu Mantang is 75 years old, and the advantage of Jinxingzu No. 3 is mainly to support the designation of a second policyholder.

Want to know what products are being bought by financial experts? Take a look at this list:Freshly baked!

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

Life insurance refers to an insurance contract signed with a person's body as the subject matter and a person's health and life expectancy as the condition, including insurance policies, insurance cards and other forms. The specific insurance age of the investor is determined according to the type of insurance. General life insurance can be purchased from 28 days of birth to 80 years old, and the products of different insurance companies may be slightly different, depending on the product rules at the time of application.

Life insurance is a kind of life insurance, which takes the life of the insured as the subject of insurance and the life or death of the insured as the condition of payment. As with all insurance businesses, the insured passes the risk to the insurer, accepts the insurer's terms and pays the premium. Unlike other insurances, life insurance passes on the risk of survival or death of the insured.

When an insured accident occurs in the life of the insured, the insurer pays the insurance premium. Originally, life insurance was to protect the financial burden caused by the death of the grandchild, but later, life insurance introduced a savings component, so the insurance company will also pay the agreed insurance money to those who are still alive at the end of the insurance period. Life insurance is a kind of social security system, which is an insurance business that takes people's life and body as the insurance object.

For everyone, death, old age, disability, illness, etc. are all dangers in life, and we call them personal dangers.

Test your anti-risk index, experts will interpret it for you for free!

It depends on two major issues.

a) Life insurance itself is based on the statistical data of the capital, and the amount of the premium is calculated by multiplying the survival rate of each age group by some factors related to the premium, such as the market share.

2) Regional development, e.g. medical development, regional stability (whether there is a war, regional diseases that cannot be reached, etc.).

For the above two points, the insurance companies will determine the upper age limit and the insured person.

Hong Kongers, China, now have an average age of 79 for males....The average age of women is 83....So most insurance companies use this average to determine the upper limit of the age at which pure life is insured (in the 60s, many insurance companies in Hong Kong, China, only covered up to the age of 60 or 65, because the average life expectancy in Hong Kong was 60 years at that time).

Maybe one day the average life expectancy in Hong Kong, China will reach 100 years old, and then the insurance company will change the upper limit.

In addition, with the company as the company, the insurance company also uses risk assessment as the company's strategy, and the risks that are difficult to predict will be underwritten? If you want to do insurance for this group of people, the premium will have to buy a mosquito, collect a mosquito, will you buy it then?

In the United States, some scientists have predicted that the age of human beings may reach 125 years old, so there are some pure insurance policies in the United States that can reach 100 years old.

Uncle Simon, Reference: As I have learned, term life insurance is generally defined as protection for a specified period of time.

The average life expectancy is about 78-85, and it's rising.

The calculation of the relevant premiums is based on the mortality rate, so the term life insurance will increase every year according to the age.

Since term life insurance is the most affordable of the insurance, the insurance company will calculate the risk you may be able to take based on mortality.

If a person covered up to the age of 100 dies before the period of coverage (assuming an average mortality rate of 80), the current total premiums are less than 40% of the sum insured, and if all of the policies are (inevitablely) claimed, then.

1) The insurance company will increase its insurance premium to hedge the risk.

2) The total pre-paid premiums for the whole period will be significantly increased to close to the P&I level.

Even if the insurance company accepts the insurance, then no one will buy such expensive insurance for the base chain. , because if you want to stay until the age of 100 on a regular basis, the premium will be very high, and the risk for the insurance company is very high. Because there are a few people who will die at the age of 100, almost one single loss and one order.

If there is a series, the premium will be expensive, and no one will buy it.

If the premium reaches a level acceptable to the consumer, the insurance company will lose its capital.

Insurance companies will want to do a loss-making business.

However, it is not called term life without the age of 100, but it will not be a plan, a supplementary benefit added to the whole life, up to the age of 100, reference: e-mail: [email protected], I am engaged in insurance and financial management