How do I buy insurance? How should we buy insurance?

What kind of insurance is the best?

You suggest you buy Chinese Shou Kangning Lifetime. You read the ridicule and definitely say yes!

It's a pity that I'm not in Jiangxi, if I am, I will definitely serve you!

There is a deviation in your financial management concept, those who can manage money save first and spend the rest, and those who can't manage money spend first and save the rest. You only need to plan your insurance expenses according to 10% of your annual income as a premium or 10 times your annual salary as the sum insured, which is an international rate. Then there is to find a good insurance company, it is recommended that foreign companies with high international credit ratings do insurance, first of all, the company has solvency, stable operation, and secondly, the quality of insurance people is high.

The disadvantage is short-term, that is, the premium is slightly higher than that of state-owned assets, but this also comes at the cost of safety. Good luck, according to what I said, you don't have to rely on anyone after retirement, and you can decide your own life in your old age.

I am from China Taiping Life Insurance.

It is recommended that you take out personal accident and critical illness insurance.

Insurance is not about what to buy and what not to buy.

It's not about time to buy.

Use it when you need it.

The income is not high, so if you want to buy it, you should only consider major diseases first!

In Guangzhou, the whole family only has an income of about 3,000, and it is indeed not the time to consider buying commercial insurance

The first look at the income status of 3000 (low), the second look at the demand, you need an accident, critical illness, you can consider taking 3000 yuan a year to buy protective insurance.

Hello! I am the commissioner of Ping An Life Insurance in Guangzhou, you can add me q to learn more about insurance products! 《1124_366_767》

Agree with what was said upstairs. In a city like Guangzhou, where the annual income is less than 40,000 yuan, it is not advisable to insure income-based and dividend-paying insurance, and it is recommended to insure insurance for critical illness and accidental injury, mainly protection-based.

Many people are very blind when buying insurance, and they buy it when they hear others say that they are making money or being very good or something. Premium experts say this is wrong.

In the selection of products, we should follow the principle of "protection first, then investment", and give priority to the purchase of traditional pure protection insurance, such as traditional accident insurance, health insurance, life insurance, etc. Because the most basic and unique function of insurance is protection, in the event of accidental injury, death, critical illness and other risks, it can compensate the insured for the loss of the insured through the payment of insurance money, and even help the insured and his family from falling into trouble. If a family wants to buy insurance, the first insurance should be accident insurance for the breadwinner of the family.

After accident insurance, consider critical illness insurance. After building basic protection, parents can consider insurance for their children's education and retirement planning. After that, it is more appropriate to consider investment-type insurance, so that you can diversify part of your assets into insurance and reduce investment risks.

In middle age, it is necessary to build a perfect three-dimensional security structure for accidents, medical treatment and pension. Since middle-aged people are generally the breadwinners of the family, the amount of insurance should be sufficient, you can choose a higher amount, and you can choose to invest in wealth management insurance to prepare for retirement. The most worrying thing for the elderly is the risk of illness, but due to factors such as age, there are not many critical illness insurance products that the elderly can buy, and the premiums will be high.

At present, there are some accident insurance products on the market specifically designed for the elderly, covering common accident risks for the elderly, and the premiums are also relatively reasonable, and the elderly can choose the appropriate accident insurance supplement.

Myth 2: Buying insurance is not based on the financial conditions of yourself and your family.

The premium expenditure of an insurance can range from a few yuan to tens of millions of yuan, and you can not blindly follow the trend and compare when buying insurance, and you need to choose different insurance according to your own situation at different times to ensure that the expenditure of various insurance meets the current needs of yourself or your family.

Generally speaking, accident insurance premiums are relatively cheap, while life insurance premiums are slightly more expensive. The higher the sum insured, the more expensive the premium. For those with weak economic conditions, first buy accident insurance or term life insurance for yourself, and then buy critical illness insurance; For those who are financially affluent, they can purchase a combination of whole life insurance (participating) + term critical illness insurance + hospitalization allowance insurance + accident insurance.

Myth 3: Buy insurance only listen to the salesman's flickering, and do not carefully read the insurance terms.

No matter what type of insurance product you buy, you must carefully read the insurance terms, especially the core parts such as insurance liability, deductibles, and claims to have a comprehensive and detailed understanding of the core parts, so as to effectively protect your own interests. Only by knowing yourself and your opponent can you ensure that the insurance products you buy meet your needs and can come in handy when necessary. If you buy accident insurance, the insurance liability does not state the responsibility to pay for the medical expenses incurred in hospitalization, in this case, in case of hospitalization due to a cold or other diseases, this insurance will not help you.

There is no best insurance, only the best one for you. First of all, it is necessary to make it clear that the purpose of buying insurance is to buy the maximum protection with the least amount of money, and avoid the so-called financial products. Secondly, it is necessary to make it clear that the meaning of buying insurance is to pass on risks, such as disease risks, accident risks, etc.

Spending the least amount of money to solve the most urgent risks is the key to buying the right insurance and buying the right insurance for you.

1. Compare the types of insurance to see if it is suitable for you, and don't buy blindly. If you receive a survival pension, some are received monthly, and some are received in a fixed amount; Be sure to see clearly, figure it out, and make your own ideas based on your personal situation.

2. For the policyholder, you should first study the two parts of the insurance liability and liability exemption in the clause to clarify what kind of protection these policies can provide you, and then compare it with your insurance needs.

3. First consider what your own or family's needs are, for example, people who are worried that the burden of medical expenses is too heavy to bear when they are sick, they can consider purchasing medical insurance; It's important to find out what insurance needs to be re-insured.

What kind of insurance is the best?

Don't buy insurance indiscriminately, there are 5 common sense before buying insurance, you must know.

Choosing insurance in this way allows you to avoid detours.

Summary. Hello dear, glad to answer for you. There are mainly the following ways to purchase insurance:

1. Offline purchase: Go to the offline business outlets of the insurance company, or choose the appropriate insurance purchase through the offline ** person. 2. Purchase on the official website:

Purchase insurance from the insurance company's official **, and fill in the basic information of the policyholder and the insured as required. 3. Formal third-party platform purchase: such as Alipay, WeChat, Huize, Little Umbrella and other platforms, you can successfully purchase after filling in the information and paying the premium.

Hello dear, glad to answer for you. Insurance mainly has the following purchase channels: 1. Offline purchase:

Go to the offline business outlets of the insurance company, or through the offline **person, choose the right insurance purchase. 2. Purchase on the official website: Purchase insurance from the official ** of the insurance company, and fill in the basic information of the policyholder and the insured as required.

Legal basis: Article 23 of the Insurance Law of the People's Republic of China provides that after receiving a request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; If the situation is complicated, the verification shall be made within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification results; If the trail is an insurance liability, the obligation to compensate or pay the insurance money shall be fulfilled within 10 days after reaching an agreement with the insured or beneficiary to compensate or pay the insurance money.

If the insurance contract stipulates the time limit for compensation or payment of insurance money, the insurer shall perform the obligation of compensation or payment of insurance money in accordance with the agreement.

It's too slow. Ask you.

Dear, you can buy it offline.

Go to the offline business outlets of the insurance company, or through the offline **person, choose the right insurance purchase.