I want to buy an insurance policy for my mother, who is 48 years old and a retired worker.

Hello, I wish you and your family a happy Chinese New Year! From your question, it can be seen that you are a very caring and responsible person, since your mother has retired, I don't know if there is social pension insurance and social medical insurance, if not, first improve these two basic security systems, the contribution is not very high. We all know that before the age of 50, we use our lives to earn money, and after the age of 50, we have to use money to save our lives.

As we age, our body will get worse and worse, and various diseases will slowly come out, which is also the concern of each of us, which is a natural law that we cannot change. I don't know what you do, do you have a stable income? Do you have social security and other commercial insurance?

If these are confirmed, you can consider the health insurance "China Life Corning Lifetime Critical Illness Insurance" and accident insurance of Chinese Life Insurance Company for your mother, with an annual payment of about 5,000 yuan. If you don't have comprehensive coverage, I recommend that you first insure yourself, because you are the head of the family, and you depend on you for the main income** of the family, and your mother depends on you for the support. Now you are also young, and the payment is not high.

Hello! Your idea is indeed very thoughtful, the first thing to consider when buying insurance for your parents is accident and serious illness insurance, risks are everywhere, and we ordinary people can't control them. When buying insurance for your parents, consider buying basic medical insurance for your family.

When designing insurance planning, the investment function of insurance can also be properly considered. In other aspects, it is necessary to plan according to the physical conditions of the parents and the economic conditions of the family, and do everything according to their ability! After all, the issue of the elderly buying insurance is compared with that of young people

The premium is more expensive under the same sum insured, and a physical examination is required, and if the medical examination is not passed, no additional fee will be added, or the insurance will be excluded or refused. Before buying insurance for your parents, consider whether you already have sufficient protection, because we are the breadwinners of the family at a young age, and we are also the most important protection object. Moreover, buying insurance at a young age can make use of time to increase value and accumulate wealth, and at the same time, it can truly reflect the role of insurance as a family umbrella.

Reference: 50-year-old parents health financial protection plan 1 yuan a day social security card (accident medical treatment comprehensive.

Hello friends! I am the eldest brother of Ping An Insurance of China in Tangshan. First of all, I wish you and your family a Happy New Year!

It can be seen that you are a very filial child. Now to buy a guarantee for your mother, I think it is the best time, because this age has been working for nearly a hundred centuries like electrical appliances, too much need to repair or maintenance, if you really want to maintain or repair must cost a very high certain cost, if you prepare for your mother this sufficient cost is good, if not ready that is our burden to do children, because we still have to live and raise children, insurance itself is protection, is the risk transfer, is to fight big with small. In fact, my mother is 48 years old, and it is not HI to spend a lot of money to buy insurance now.

Please find a good insurance person to help you design a combination insurance plan. There is no suitable one, but it must be suitable. It is recommended that you choose Ping An Outsmart Life Universal Insurance and additional Ping An Evergain Combination.

Hello, it is recommended to buy the 2012 version of the pure protection critical illness insurance for the mother, with 40 critical illnesses and 10 mild diseases. This is currently the most comprehensive critical illness insurance protection, but the premium may be a little higher than your current age, but now it is also the most worthwhile to avoid physical examination, the older you are, the higher the risk, fortunately you have this risk awareness.

Hello, your mother is a retired worker, so there is basic social security, right? If your mother's health still allows, it is recommended to buy Ping An's evergain products, which is a protection product with low payment and high protection, which can relieve your worries.

Hello Retired employees should have basic social security and medical insurance, you can buy a serious illness insurance and accident insurance, so that the health protection is more comprehensive, you can understand the 2012 new Corning serious illness insurance of China Life, covering 40 major diseases and 10 kinds of mild diseases, which is the widest range of protection and is worth having.

Happy Chinese New Year! It is recommended to choose Ping An's universal insurance, with an annual deposit of 6,000, a life insurance amount of 250,000 yuan, and a critical illness insurance amount of 100,000 yuan, which can effectively resist major risks, and must be equipped with an exemption function. You can refer to.

It is recommended to buy some insurance to protect critical illness and hospitalization, since you don't want to pay too much money, then extend the payment period as much as possible, pay for 10 or 20 years, and the annual payment is about 5000-6000 yuan, and the amount of insurance should be more than the total premium you pay, but not too much.

Hello! You can do critical illness insurance and accident insurance. Ping An's outwitting life and Xinsheng can choose.

Hello, Taiping Life Kangyi Jinsheng Type C, 45 kinds of critical illness protection, 10 kinds of mild illness, sick insurance and no illness pension, high protection, low payment, worthy of your consideration.

Hello, I don't know if your mother has social security? If not, it is recommended to improve the basic security of social security, in consideration of a protection type of insurance, accidents, comprehensive medical care, serious illness, these can be used as a supplement to social security, many companies will have a suitable type of insurance, the specific plan can contact the local ** people to consult, I wish you a happy New Year!

Hello, like your mother's age is not too young, it is recommended to learn about the combination of Ping An's Zhisheng Life and Xinsheng, and wish you a happy New Year!

Accident medical insurance, about $600, especially depending on the client's actual situation!

Accident medical insurance, about 600 yuan per year, depending on the actual situation of the customer!

Hello! It is recommended to purchase critical illness insurance and accident insurance.

On the basis of enriching social security, let's consider more commercial inpatient medical care!

Hello! Currently, there are many insurance products on the market, and they all have their advantages, as long as you take out insurance according to your mother's needs. Generally speaking, critical illness insurance, accident insurance, pension insurance, etc. can be considered. The specific plan is as follows:

Women are basically in the stage of "old and young", family responsibilities are heavy, and they are facing the ubiquitous risk of accidents, so they give priority to accident insurance, the premium is not expensive, the insurance amount is very high, and they can get better protection.

Elderly women are often the group with a high incidence of various female major diseases, so they should pay attention to health protection and can buy critical illness insurance, including female carcinoma-in-situ, breast cancer, cervical cancer and other diseases, to improve their own health protection. An important principle in terms of the proportion of premium expenses is that it will not affect the current standard of living.

Women should pay attention to the pension issues in the next few decades, so they should consider the future pension plan as soon as possible, and it is recommended to purchase certain pension insurance to plan for their later life.

If you want to allocate insurance for your 54-year-old mother, you must first communicate with your mother to help her clarify her own risk gaps and protection needs. Before we get started, I would like to give you a super practical guide to insuring your parents:What are the insurance for the elderly, and what insurance is good for your parents, you all need to know

First of all, parents are mainly faced with two major risks: accident and illness, so in terms of protection demand planning, we can focus on the allocation of cancer insurance, medical insurance, and accident insurance. The forest is rotten.

Among them, cancer insurance mainly protects cancer, and has the advantages of a wide range of insurance ages and relatively loose health notices, which is very suitable for parents. Medical insurance can reimburse reasonable medical expenses within the scope of the contract, which can be used as a powerful supplement to medical insurance.

Third, the payout of accident insurance can cope with the expenses required for the first period, and it is also very suitable for parents to configure. For a detailed analysis of this accident insurance, you can also refer to it:【Accident insurance】Whether to buy, how to buy, what are the types, comprehensive analysis, comparative evaluation

Secondly, after doing a good job of adequate personal protection for our parents, if we still have a budget and our parents also have high-quality pension life needs, we can also configure pension insurance for our parents.

However, with pension insurance, it is best to choose a guaranteed product, so that even if you unfortunately die early, you will have the opportunity to receive the unclaimed pension and reduce the corresponding economic losses. This list of business history pension insurance, you can also refer to this information:Top 10 commercial endowment insurance in terms of cost performance!

Hope!

With the increasing number of elderly population, more and more people have begun to pay attention to the issue of old age life security for the masses, and the purchase of endowment insurance is a good choice. How to choose endowment insurance for parents who are fifty years old.

To buy endowment insurance for parents who are 50 years old, it is recommended that you choose it according to the actual needs of your parents. When applying for commercial endowment insurance, you should pay attention to the following issues:

1.At present, there are several types of insurance products with pension functions on the market, such as traditional, dual, investment-linked and universal. Moreover, the time span of commercial endowment insurance from purchase to receipt may be 10 years, 20 years or even longer, so insurance needs to be carried out on demand.

2.The amount of pension provided by commercial endowment insurance should account for 25 40 of all old-age security needs. Therefore, on the basis of the basic social endowment insurance, taking into account the gradual improvement of living standards and prices and other factors, it is more appropriate for the policyholder to purchase about 200,000 yuan of commercial endowment insurance.

3.For most salaried people who have not yet accumulated a certain level of money, it is best to choose a 10-, 15-year or 20-year payment method to save their premiums. Take out a certain amount of money as insurance premiums every year (monthly), which can not only meet the needs of saving for retirement, but also will not cause too much economic pressure.

Premiums can vary greatly depending on the payment period.

4.The shorter the pension insurance payment period, the smaller the total amount of premiums paid. If economic conditions permit, it is more economical to appropriately shorten the payment period.

Buy endowment insurance for your 50-year-old parents, and the above common sense of insurance is for your reference. There are a variety of pension insurance products, you are welcome to buy. Taiping Guardian Lifetime Annuity Insurance Coverage:

Flexible payment, lifelong pension * annual pension, 80th birthday * death return, wealth inheritance, full return of the insurance premium paid on death The minimum monthly spending: 164 yuan.

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

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

The dividends of Fuzhi insurance companies are based on the profitability of each insurance company, and there is obvious uncertainty.

Here, I know that in this industry, everyone has a recognized three sentences that say this: "brand in life", "source hall of great peace of talents", "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

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

1. Social medical insurance.

Social security is everyone's basic security, many people in the choice of medical insurance, very much hope to find a guarantee of renewal, then social security is guaranteed to renewal, and is guaranteed for life.

Those who do not have social insurance still make up for it, and receive a "pension" on a monthly basis when they reach a certain age. If you are too old, it is recommended not to make up the payment, it is not interesting, buy commercial insurance to supplement.

In addition, it is necessary to pay attention to the use of social security, you must not abuse it, do not buy your own medical insurance card for your parents for medicine, it will leave a record, and it will be very troublesome when you apply for insurance in the future.

2. Accident medical insurance.

Elderly people are prone to accidents, bumps, cat paws and dog bites, falls and burns, can have serious consequences. However, general accident insurance cannot be bought after the age of 65 or 70, and you need to seek help from professionals to find it.

3. Critical illness insurance.

Critical illness insurance has a limit on age, generally under 55 years old can be purchased, except for a few under 60 years old, the older the age, the more expensive the price, 56 years old, male, the sum insured is 500,000, pay for 10 years, and the premium is about 10,000 a year. There may be a medical examination, or there may be a denial of insurance. The main function of critical illness insurance is medical expenses and income compensation, for parents who have retired and have social security, simply do not think about it, recuperate, and strengthen the body is the king.

If you really don't feel safe, you can supplement it with cancer insurance and medical insurance.

Fourth, mid-range and high-end medical insurance.

This type of insurance is relatively the most comprehensive protection, and the practicality is also the highest, but the same age and physical condition requirements are stricter, and the cost is higher, generally support people under the age of 65 to insure, the biggest problem with this product is that with the increase in age, the premium increases, and if the insurance is out, the renewal of the second year will be affected.

5. Cancer insurance for the elderly.

Cancer insurance for the elderly is generally consumption-based, the rate is lower, and the age is older, how much body will have some problems, cancer insurance is easier to underwrite, and usually in a 10-year cycle, if there is no insurance within 10 years, the renewal is guaranteed, of course, the 10-year renewal of the insurance should be re-determined according to the current situation, so the premium will be higher and higher, but in general, if the insurance is out within 30 years, it is more cost-effective than the savings type of critical illness insurance.

6. Whole life insurance and endowment insurance.

Now from another perspective, as the saying goes, there is no filial son in front of the bed for a long time, if you want your child to be good to your parents, you must reflect the value of your parents, and your elderly parents have no way to create wealth, but the high amount of insurance money can still reflect your noble value.

For high-net-worth families, whole life insurance is a good tool to avoid debt and taxes, and can smoothly pass on the wealth accumulated through a lifetime of hard work to future generations!