Is it good to buy Ping An Xinsheng whole life insurance for forty three weeks?

No, Xinsheng is not a special children's insurance.

Insurance purchase order:

1. Protect adults first, then children, because adults are children's insurance!

2. Buy protection first, then buy financial management, because health is the key to everything!

3. Long-term payment of health insurance and short-term payment of wealth management insurance, because health insurance can be attached to the exemption function, and wealth management insurance generally has compound interest and interest-bearing function!

4. Insurance must be bought early and late, and it must be bought sooner or later; Buy more insurance and buy less, buy as much as you want!

5. Insurance is first of all charcoal in the snow, and then it is the icing on the cake!

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

Xueba talks about insurance, focusing on insurance evaluation! In order to let you avoid detours, I have compiled a comparison of popular domestic life insurance, click on the blue word to view:"Domestic Popular Life Insurance Comparison Table Newly Released".

Ping An Xinsheng Master Insurance is a participating whole life insurance with an additional critical illness insurance with early payment. It is similar to the two-in-one shampoo products that came out in the early years, perhaps many people do not know much about some common sense of shampoo and hair care, shampoo is alkaline, conditioner is acidic, in order to cater to the needs of the majority of users, it is hard to knead these two together.

Let's start with the advantages:

But it also has these drawbacks:

1.Imperfect Protection:Critical illness protection alone is far from sufficient, and there is a lack of mild and moderate illness coverage.

2.Shared Sum Assured:The death and critical illness insurance of this product share the sum insured, and if the critical illness benefit is paid at the age of 40, then the death benefit will not exist.

3.Policy dividends are unclear. Dividends ≠ cash value, and the value of dividends is not fixed, but is calculated based on the performance of the insurance company for the year. Sometimes there are dividends, sometimes there are none, and there are many uncertainties.

4.Premiums are not cheap. A 30-year-old man insures 500,000 yuan of insurance, and the annual premium is about 10,000.

Anyway, I recommend that you don't buy similar participating insurance products. Why? You can check out the analysis below! Why are participating insurance complaints so high? Demystifying the Mystery of Dividend Insurance

Xinsheng belongs to participating insurance.

First of all, the premium is not the principal.

Xinsheng is a traditional life insurance and has no return function.

As for the death of the customer, the claim is made for the sum insured, not the premium.

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

2.The premium should be 10%-15% of the annual 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 Outsmart Life Universal Insurance, Ping An Fu Whole Life Insurance.

Take a picture of it and show me, can I help you, I learned a little before.

It is a participating insurance. How old are you going to buy it now.

Hello, I am glad to answer for you, this is a participating nature of insurance, including the value and critical illness and medical treatment, if you have your own protection products, you can consider buying it, you can ask me directly.

The insurance that grows up, that is, the premium remains the same every year, and the protection grows up every year.

Hello, this is a product with a good return on less investment. The protection is also good.

Hello, this is a low payment, more protection, dividends, and returns.

Ping An's basic insurance, Ping An's cheapest insurance.

Hello! If you are from Shenyang, you can chat alone.

I'm an account manager at Ping An, can I have a private chat?

Whole life insurance with dividends and protection.

Low premium, high protection and participating insurance.

Hello! It is a participating product.

Chinese name. China.

English name. china

Abbreviation. Hua, Xia.

Continent. Asia.

Official language. Chinese.

Hello, what are your specific needs, I will help you analyze and analyze.

Basic information: Issue age - 28 to 60 years old.

Duration of insurance – for life.

Payment period - 10 15 20 30 years.

Guarantee responsibility: 1. Death benefit:

If the insured dies due to an accident or due to non-accidental reasons after the waiting period, the insurance company shall pay the death benefit according to the basic insured amount of the main insurance contract at the time of death.

2. Critical illness protection:

If the insured suffers from 45 critical illnesses specified in the contract due to accidents or non-accidental reasons after the waiting period of 90 days, the insurance company will pay the critical illness insurance benefits according to the basic sum insured.

3. Accidental injury protection:

If the insured suffers an accidental injury and dies or becomes disabled within 180 days from the date of the accident, the insurance company shall pay the death and disability insurance benefits in accordance with the contract.

4. Accidental medical insurance:

If the insured suffers an accidental injury and suffers an accident**, the insurance company will pay the part of the medical expenses within the reasonable range of social insurance exceeding RMB 100.

5. Hospitalization Benefit:

The insurance company will pay the expenses within the reasonable scope of social insurance incurred by the insured due to hospitalization due to illness (waiting period of 30 days) or accidental injury (no waiting period), and the insurance company will pay according to the agreement.

6. Hospitalization subsidy:

Hospitalization for illness**, hospitalization for accidental injury** and hospitalization for critical illness**, the insurance company shall subsidize the insurance benefits in accordance with the provisions of the contract.

Ping An Xinsheng Whole Life Insurance (Participating, 2012).

Protection responsibility: 1. Main insurance: Ping An Xinsheng whole life insurance: The death insurance company pays the insurance money according to the basic insurance amount of the contract.

2. Critical illness protection:

After the waiting period of 90 days, if you have 45 types of critical illness, the insurance company will pay the critical illness insurance benefit according to the basic sum assured.

Critical illness insurance and whole life insurance share the sum insured.

3. Exemption from critical illness, the insurance premium after suffering from critical illness does not need to be paid, and the insurance contract continues to be valid.

4. Additional Accident 13: The full name is Ping An Additional Long-term Accident Insurance, which is an accident protection product, providing death, total disability insurance, public transportation accidental death, total disability special insurance, self-driving accident death, and total disability insurance. Flexible payment and protection up to the age of 70.

5. Ping An Additional Health Life Hospitalization Expenses Medical Insurancea

6. Accidental injury medical insurance: 13,000 yuan.

If it is necessary to carry out the accident due to the accident**, compensation will be paid in accordance with the terms and conditions for the part of the reasonable medical expenses exceeding RMB 100 that are actually incurred within 180 days from the date of the accident and meet the provisions of the social medical insurance of the place where the branch where the insurance contract is issued.

The ** dividend is the premium collected by the insurance company, deducting the relevant operating costs, risk reserves and other remaining money, which can be used for investment, which is very uncertain due to many factors, and is likely to not be able to run bank savings, or even not.

In summary, the cost performance is not high, the sum insured of critical illness insurance is not high, and there is no protection for minor illness.

Insurance science, beginner's guide.