Ping An Xinxiang Insurance Participating Is it appropriate for a child to be 2 years old????? Ask

Xinxiang is a term product, and it is still okay from the insurance plan!

Hello friends, I will give you an analysis from the perspective of customers, you think that you are not suitable for this product, first of all, thank you for your trust and support to Ping An, first of all, please improve the child's social security, Ping An Xinxiang is a term insurance life insurance, belongs to the protection type, there are too few accidental injuries, the child's accidental injury is the first choice, to protect high, the insurance regulatory commission will stipulate that the child's insurance amount can not exceed 100,000, to prevent moral hazard, accidental injury medical insurance amount of 20,000, After the child is 3 years old, a golden sunshine card will be issued for the child, and 150 yuan will be guaranteed for one year and supplementary medical treatment. Ping An Jixing is a financial management product, just like the salesman said that it is returned once every 2 years to the age of 75 of the insured. Let the salesman make a plan to see, on the whole, there is still a guarantee and supplementary education funds, which is very good and can be considered.

Wishing happiness and peace.

Hello! Thank you for your trust in Ping An, I am the insurance ** person of Tangshan Ping An is happy to serve you, Xinxiang Insurance Plan is a small deposit and lump sum dividend insurance, look at your portfolio is still very good, less money saved and less protection, education funds are not too much, what problems do you want to solve through insurance, details qq answers.

It mainly depends on what you want, what plans or ideas you want to achieve in the future through insurance, everyone and each family situation is different, there is no absolute correctness, and other people's are not completely used for reference and copying. It is not bad for Xinxiang to choose a 20-year fixed-term term, which can be used as a university education fund at the end of the period, and there is also a critical illness protection during this period.

I don't know if your parents' own protection is complete, adults are the best protection for children, and you can appropriately increase the protection of children when the protection of adults is complete.

In addition: the 2-year-old child's physique has been in a stable state, if you are not at ease, you can apply for community medical care or school insurance (quite affordable), the child's insurance is a long-term compulsory savings, no cost-effective, if you have your own regular savings habits or financial plans, it doesn't matter if you buy or not.

Client's friend: There is no problem with your insurance plan! Jixing Treasure is a biennial return of insurance. The principal is returned at the age of 75, and Xinxiang is also a term insurance, and the maturity insurance can also be paid at maturity. There are dividends every year. Yes! Pretty good!

Hello: Whether it is suitable or notPersonal opinion, this first depends on your actual situation (income and expenditure, whether you have social security, etc.), and you mainly want to protect against future risk accidents? Critical illness?

It is still necessary to prepare education funds, wedding payments and even pensions for children. Starting from these two basic aspects, look at where it is not guaranteed, where it is not needed, which is not so important, or the amount can be lower. The plan you mentioned above is also good and comprehensive.

Whether it is suitable or not depends on your own reality and personal wishes, and you will know it after analysis.

Hello and thank you for your trust in peace. This package is a regular plus life (until the age of 75), and you can also add inpatient medical treatment to the original basis, so that the coverage is comprehensive. If the funds are not very abundant, you can choose Xinxiang + additional insurance; Jixing is a long-term insurance, and it seems that the role of education funds is weak, but it can be guaranteed for life.

Whether it is suitable for you or not is mainly related to your protection needs and the use of funds. Reference: Protection Plan for Working Families in General Babies also have critical illness insurance for growing up.

Hello, first of all, congratulations to your baby for having parents who know how to protect as well! Here's how:1

For the baby, it is recommended to improve the most basic medical insurance or rural cooperative medical care first, and then consider buying commercial insurance for the baby. In the case of commercial insurance, it is recommended to consider the child's accidental medical treatment and hospitalization medical protection first, then the critical illness protection, and finally the child's education fund reserve; 2.According to what you mentioned, it is recommended to add a critical illness + accidental medical insurance protection plan for your child (such as AIA's Kangyue Critical Illness + Anyi Accident Insurance) to do a good job of basic protection for your child first; secondly, you can increase the child's education fund (such as AIA's ** future, century talent, etc.); If you consider long-term capital flow supplementation, you can add a Jinxi series of annuity products to protect your child's life; 3.

For children, in fact, parents are the best insurance. Therefore, I hope that before considering the protection of your children, please do not forget to consider your own protection; Here are two cases for your reference, the premium and sum insured can be changed according to your actual needs, I hope to help you! Have a great day!

Reference: A plan, critical illness accidental medical treatment. Brighten up every day of your child's growth with love!

Hello: Glad to be here for you. You're insurance conscious, and both of these products are good too.

But I would like to ask you what problem you are trying to solve when you buy insurance. Only by knowing your details can we give you a suitable plan. It is recommended to add hospitalization medical insurance to the child.

If I can, I'd love to talk to you one-on-one. Because of professionalism, so trust! I wish you and your family a safe, healthy and happy life!

Hello! First of all, thank you very much for your trust in Ping'an! Based on your situation, I don't know what problem you want to solve for your baby right now!

These two products are very good, if you buy it like this, medical treatment and education can not be solved, and the baby can not be reimbursed for being sick and hospitalized, so I suggest that you think about what problems you want to solve, and contact us in detail!

Hello! Before buying insurance, ask yourself, why do you buy insurance? What problem do you want to solve?

Don't focus only on the benefits and ignore the essence of insurance. Do you think this product will solve your concerns? What problems can be solved by returning 900 every 2 years?

The essence of insurance is protection. When buying insurance, don't look at whether the income is suitable, but whether the protection is suitable for you.

Clarify your needs, you want to solve your main problem with an insurance plan, and ask yourself, what can you do with a few hundred or thousands of dollars every few years? Find the right insurance person, I believe he will tailor a plan according to your situation, otherwise you will regret it after you buy insurance.

Hello; Don't know what problem you're trying to solve with insurance? When you buy insurance, you can only make an insurance plan that suits you after you have a clear understanding of your insurance needs. Blind choices not only do not work for insurance, but also may cause negative doubts about insurance.

Hello; When applying for insurance, please choose the insurance product that suits your needs and choose a professional insurance person, I suggest you go to my insurance ** to learn about the life insurance products of Nirvana annuity, I wish you and your family happiness and health!

Hello! You don't know what the purpose of buying insurance is, this product portfolio protection is still quite comprehensive, you need to understand the information in detail and do demand analysis to design a good type of insurance. I don't know if you are **, I can consult me in Shenzhen.

Hello: You are a friend, baby medical can consider Ping An's Xinsheng whole life insurance will be more suitable, children's education can be considered Ping An's Jixing or Ping An's Xinli, the specific situation can be added QQ chat.

Hello, the product design is comprehensive, it is also very good, accidents, diseases, accidental medical treatment, protection in place, you can also do children's education, if you can pay the premium is a good product.

Hello: 2-year-old children should first supplement hospitalization medical treatment, and then other accidental medical treatment, critical illness, education funds, etc.

If you are more concerned about dividends for two-year-old babies, it is better to choose auspicious stars to send treasures, but it is recommended to add side insurance.

Hello, according to your financial situation and your requirements, the one that suits your needs and the one that suits you.

There is nothing wrong with buying insurance, it depends on whether it can help you solve your worries.

Hello: This insurance plan is possible.

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How to buy insurance for your child

This question makes many parents have no idea where to start, today let's take a good look at what insurance should be bought for children! Pay attention to three key points:

First, the country's medical insurance must be handled!

After the child is born, as long as the household registration is registered, you can immediately apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, which can not only solve the problem of medical expenses, but also solve other associated problems, such as delaying homework due to illness, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance policy can be used to solve these problems.

Let's talk about why we need to configure medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, to configure a 0 deductible hospitalization medical insurance, the sum insured of 10,000 yuan, and only 1,200 yuan per year, which is very practical.

Finally, accident insurance, it is very cheap for children to buy accident insurance, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, which can cover the child's accidental death, disability and medical expenses caused by accidents, which is not expensive and very useful.

Third, don't buy both types of insurance for your child!

Don't buy life insurance for your children, and try not to think about critical illness insurance with both liabilities attached. I know the specific reasons in this articleHow do I buy insurance for my child?

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

According to the above insurance ideas, if you configure regular protection for your child, you can get it for about 1,000 yuan per year, and if you buy lifelong protection, it will only be two or three thousand per year, which is cost-effective and practical.

That's all for me"Ping An Xinxiang Insurance (Participating) Is it appropriate for a child to be 2 years old????? Ask for a high finger !!! "All of them, I hope it helps you! Hope!

What is the good thing about Ping An Xinxiang Insurance (Participating)? Buy for children under two years old?

Expert analysis: Xinxiang product is a low premium and high protection of the participating insurance, children buy, the premium is cheap and the protection is very high, and you can freely choose how old to insure, it is generally recommended that the child is insured to 20 or 30 years old, before the adult is protected, after the expiration of the policy, you can also get a maturity payment as a child's education or entrepreneurship fund.

Most of the children's insurance is a rebate type, Xinxiang is not, and it must be received when it expires. And it's not for life, you can guarantee it for 20 years, 30 years.

Ping An Xinxiang is fortunate that the guarantee time is regular, which can be used as a lump sum deposit, the guarantee time is flexible to choose by yourself, and there are floating dividends every year, which can be used as compulsory savings, and can be received as a one-time supplement to the education fund when the child is studying.

Ping An's Xinxiang insurance period is 3 times the protection, there are dividends every year, the deposit period is flexible, you choose, 2 times the sum insured at the end of the term, and the 2-year-old child buys a low rate, which is a good choice.

Case Study: Ping An Xinxiang is a fixed-term insurance that is characterized by triple protection for adulthood, double payment at maturity, independent annuity conversion, and annual policy dividends. This type of insurance is for children.

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

If you have a high budget, you can buy both children, and if you have a normal budget, it is recommended that two children buy different insurance products.

Let's talk about this issue in detail.

How about Ping An Life, what products are there, which ones are good, what are the pitfalls, and in-depth analysis.

1. Do two children have to buy Ping An Xinxiang insurance dividend?

Ping An Xinxiang Dual-Life Insurance Participating Type is a dual-insurance type, and the premium of this type of product is relatively high.

If the family conditions are better, it is true that both children can buy this product, but if the conditions are average, it is recommended not to buy both of them, and you can refer to other products.

About both insurance, the salesman will definitely not tell you!

Second, how about the participating type of Ping An Xinxiang insurance

The insurance age of Ping An Xinxiang Insurance Dividend is 28 days to 55 years old, which is indeed suitable for children.

Moreover, the protection period of Ping An Xinxiang Insurance Dividend is also very flexible, with multiple options, and you can choose the protection time you want according to your needs.

And Ping An Xinxiang insurance participating type can also add the policyholder exemption protection, if you are insuring your own children, it is very practical to add this protection responsibility.

In addition, Ping An Xinxiang Insurance Participating Type can also be attached to Xinxiang Critical Illness, if necessary.

However, this kind of dividend insurance is not simple, you can take a look at the following article: