Male 30 years old, what kind of business is good to buy for freelancing?

Ping An Zhiying Life + Critical Illness Insurance, 4,000 yuan, pay 100,000 yuan for accidental injury for 10 years, plus 2 medical expenses plus 50 yuan per hospitalization subsidy per day, a total of 4,718 yuan.

Zhiying Life has an insurance amount of 100,000 yuan, 80,000 yuan for critical illness, and if there is no major illness, there will be a pension of about 100,000 yuan at the age of 60.

100,000 yuan for accidental injury, (double compensation for traffic accidents).

The hospitalization fee is 9,000 yuan each time, and the major surgery fee is 20,000 yuan, and the maximum hospitalization reimbursement is six times a year.

The subsidy is 50 yuan per day.

It's very cost-effective. Downstairs, the customer Zhiying Life only needs to pay for 10 years, that is to say, only 40,000 yuan was paid, and 80,000 yuan was added for a serious illness, and after 20 years, the medium interest rate was 70286, and the high interest rate was 82587 (which are all recorded in the Insurance Authority. ）

Accidental injury + medical treatment is an independent policy, the main insurance is only 150 yuan, 100,000 yuan of the sum insured, as well as medical treatment and subsidies, (Ping An's medical treatment is the same disease can be repeatedly reimbursed within 5 years), you can buy until the age of 64, if it is other main insurance, 30-year-old people have not bought the main insurance for more than 30 years, so medical insurance may not be able to buy at the age of 60.

You said I was responsible for the customer, I did a good job, thank you.

Can you really use celebrities as examples to really be responsible for your clients?

I bought two copies of Zhiying at home, and I bought both for 6000 because I thought it was really good.

I hope that the old lady veg can be responsible for the customer, and Zhiying life is very good, but if a major illness is attached, you can see how much money is in the customer's account after 20 years.

My recommendation is that since you are a freelancer, the first thing you should consider is accident insurance, and then critical illness insurance, and the national life Ruixin insurance mentioned downstairs is also a very good choice, because Ruixin is Yao Ming's first dividend return health product for Chinese Life **, a policy serious illness, accident, pension, financial management are included.

And Qingdao's Olympic champion Zhang Juanjuan bought it for her parents as soon as possible.

Hello, it is more suitable for you to invest in participating health insurance at your age and affordability. Main health insurance + critical illness insurance + hospitalization medical insurance + hospitalization subsidy + accident insurance. Such a combination is very comprehensive.

As for the type of insurance, every insurance company has it. However, it is advisable to find a larger insurance company.

According to your risk tolerance, you can choose participating insurance or universal insurance to provide for the elderly, and choose health insurance to protect your health.

Chinese Life "China Life Ruixin Dual Insurance (Dividend)".

The first is the annual dividend, which can be accumulated to earn interest for retirement.

It then provides 30,000 critical illness benefits and 30,000 life benefits each.

5,000 yuan per year for inpatient medical reimbursement.

200,000 major natural disaster protection、、、

Each 30-year-old male is 2,588 yuan, paid for ten years.

At the age of 30, it is the most cost-effective way to deal with unexpected critical illness and hospitalization! The second is pension, and finally financial management.

Everyone's professional status, financial income, physical condition, and family background are different. Therefore, it is impossible to have an insurance that will be suitable for anyone, and it must be "tailor-made", but there are principles for buying insurance, which can be considered from the following three aspects.

Death insurance. As the owner of a family, how much insurance is enough? The main aspect to consider is that once the relatives lose the main economic ** after the normal cost of living, in a normal sense, this point is mainly from the ability to afford to pay, generally not more than 10 of the family's disposable income is appropriate, less security is insufficient, more affect the normal quality of life.

The need for the elderly. When people are old and lose the ability to work, their income plummets or disappears, so the pension must be considered, and to buy enough, the part of the social insurance can generally be considered together, plus some personal savings, etc., and then according to the 1 3 times the annual income of the former relatives, deducting the factors of price ** and bank currency depreciation.

Medical coverage. As the saying goes, people look for diseases within 30 and people outside 30. With the reform of the medical system, the cost of seeing a doctor and taking medicine has risen, so some types of insurance for critical illness and hospitalization should be purchased to improve the quality of medical care, make money as soon as possible.

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

First, social insurance

Social insurance refers to a non-profit social security system with the function of income redistribution, which is compulsory for the majority of members of society to participate in order to prevent and share social risks such as old age, unemployment, illness and death, and to achieve social security.

The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. As a 30-year-old freelancer, you should at least have pension insurance and medical insurance.

As a welfare, social insurance should be given priority to everyone within their means.

Second, commercial insurance

1. Life insurance

Life insurance: that is, life insurance, is a kind of insurance that takes people's life and death as the object of insurance. It is a kind of insurance in which the insured lives or dies during the insurance liability period, and the insurer pays the insurance money according to the provisions of the contract.

If you already have a family, you should buy life insurance first, as life insurance serves as an umbrella to assume family responsibilities and fulfill the responsibility of protecting the family.

2. Accident insurance

It is a life insurance that pays benefits due to death or disability caused by accidental injury. Similar to the function of life insurance, it is the responsibility to protect the family when the unexpected comes.

3. Commercial critical illness insurance

Critical illness insurance is simply illness insurance that takes illness as a condition for the payment of insurance benefits. That is, as long as the insured suffers from a certain disease listed in the insurance policy, regardless of whether or not medical expenses are incurred or how many expenses are incurred, the insurance company can receive a fixed amount of compensation.

This type of insurance mainly solves the problem of not being able to bring continuous income due to illness, resulting in the interruption of family cash flow and the serious impact on the life of family members, so it is especially necessary for the 30-year-old family breadwinner.

4. Commercial medical insurance

It is mainly used to reimburse medical expenses, which can be supplemented on the basis of social security medical care, and is not just needed.

Third, special tips

Pay attention to the above purchase order, due to different functions, you should still customize the appropriate insurance plan according to your needs.

Nowadays, there are two major protections that are particularly important: 1. Health protection 2. Accident protection. 1. Health Protection:

The pressure of work, environmental pollution, food additives, etc., make our body not healthy, but in a sub-healthy state, so health protection is urgent. In addition, the incidence of critical diseases is getting younger year by year, and medical costs are soaring, so the sooner health insurance is planned, the better. 2. Accident protection:

In this busy city, we can see all kinds of accidents happening in the ** and newspapers every day, people's risks do not know when they will happen, when the risk happens to others is news, but it is a tragedy to happen to yourself. Therefore, it is advisable to save the type of insurance that protects health and accidents.

With the protection of their own health, they can be responsible for the future of their children, because parents are the best guarantee for children, and only when parents are healthy, children can live and study better. Your relative is 30 years old this year, a freelancer, with an annual salary of about 30-500,000, because it is not a fixed job, so the annual salary is not very fixed, and the fluctuation is large! Therefore, while having protection insurance, the value of funds can be maintained and increased.

It's a wise choice. Pacific's "Golden Life" is the only insurance in China that increases with age, and the amount of insurance also increases. For example, if you keep 100,000 this year, you will have a healthy account of about 200,000 in 20 years.

The older you are, the higher the protection, which can effectively resist the inflation of medical expenses. This product: the premium can be increased, and the illness can be paid, if you are not sick, you can also use it as your own pension, and the insurance is based on age, gender, and the number of years of payment to determine the amount of annual premium.

So I hope to click on my avatar to ** or add QQ to further communicate with you, and I am willing to make a perfect protection plan for you. Wishing you all the best!

Reference: Golden Life 1 Day $1 Accident Protection Plan.

Hello: Freelancers do not have basic security, such as social security, which means that there is no even the most basic security, and if you have the ability to earn money, there is no shortage of funds, and then it seems that there are no defects in life, and when you are not able to earn money, the quality of life will be reduced a lot, right? The investment of 1.5 million yuan shows that your relatives are good at integrating funds for investment and financial management.

It is recommended to add your own protection when you are young, and here are a few suggestions that I hope can help you: 1. It is recommended to supplement social security or urban medical insurance, which is the most basic protection. 2. The most unsatisfactory thing in life is accidents and critical illnesses, and the risk is also the most expensive, so it is also the most in need of protection.

3. The scientific order of purchasing insurance is accident insurance, medical insurance, critical illness insurance, and endowment insurance. 4. The premium for purchasing insurance accounts for 10%-20% of the annual income, and the insurance amount is 5---10 times the annual income. 5. Your relative's economic conditions can be purchased at the same time to protect + financial insurance, if there is a risk can protect the cost of **, financial insurance on the basis of capital protection, to give you the icing on the cake, so that your wealth is richer.

30 years old is single or married, this age is basically the main bearer of family responsibilities, if you have your own risk, it will bring harm to the whole family, see the discussion of buying accident insurance and critical illness, the average life expectancy of the family is long, there is no record of cancer, in general, to buy cancer insurance, this can be bought separately.

Seeing the above introduction, there are investments, such as investment, but investment is risky, insurance is different, it is a stable investment, you can avoid risks, you can buy a dividend insurance appropriately, the policy can also be loaned, it costs about 6000 per year, including accidents, critical illness, and dividends are almost.

Supplement: the general security investment accounts for 10% of the income, in view of the above income, and with non-fixedness, you can use about 6000, see the discussion to buy a social security, temporarily do not use the money in hand, short-term do not use the bank, long-term investment, basically do not buy insurance, insurance is a medium and long-term investment, basically buy 5 years, 10 years, 20 years, protection to 50 years old, 60 years old, 70 years old, 80 years old, there will be losses in the middle of the retreat, appropriate investment on the line, there will be a home in the future, You can also take out a part of it for your family to buy, you can choose to buy it for 10 years, protect it until you are 70 years old, after 10 years of money is paid, just 40 years old, it should also be when the child needs money, and you don't need to worry about your own security, if you choose 5 years, the money will be relatively much, and you will not be able to take it out when you are in urgent need.

Supplement: Some insurance companies can achieve national non-local compensation, such as Xinhua Life, you can also call ** consultation, national unified customer service, 95567 of Xinhua Life, 95511 of Ping An, and 114 or 12580 if you don't know.

I don't know if you're a friend? I am Xiao Yingdi from Shandong Rizhao Chinese Shou, congratulations on being so young to have a lot of finances and such a good sense of risk, sincerely happy for your friends! There are two questions that are always worth thinking about in a person's life:

Can you make money today – will you still be able to earn money tomorrow? Is the money that's yours today – and yours tomorrow? Anyone who has ever done business knows that the mall is like a battlefield, unpredictable, sometimes pushing you to heaven, sometimes slamming you into hell!

I don't know if this friend of yours has thought about it, the assets he has are not safe assets, and they do not really belong to him, and the capital risk is difficult to control, once out of control, it is difficult to reverse! Making money is important, but it's even more important to keep it for a long time. And through insurance, we can keep our own happiness, keep the money that should be kept, Bill Gates once said, transfer all the risk to the insurance company, this is the best way for families to invest and manage their finances, but also the most practical gift to themselves and their families.

In fact, there are three major risks in life, 1. If you die too early, your children will not be raised, 2. You will not be able to earn money to support your family if you give up halfway, and 3. If you die too late, your children will bear too heavy burdens. Insurance can address the above risks; Before you want to buy insurance, ask yourself what kind of problem you want to solve through insurance, buying insurance is buying protection, and make your insurance concept clear through your understanding. Reference:

How to buy insurance There are three questions to ask yourself before buying insurance.

Hello. Communicate with you a few points of view: First, the most basic function of insurance is to protect and transfer risks.

On the road of life, it will be smooth and smooth to reach the stage of retirement, so we must give priority to passing on the risks. For example, the risk of accidents and critical illnesses have become stumbling blocks to old age. Second, young people are in the climbing period of their careers, and their income is unstable, which is also one of the risks, and it is suitable for short, flat and fast payment methods.

Insurance is both a guarantee and a form of compulsory savings to develop good financial habits. Generally, an individual buys insurance that is 5-10 times the individual's annual income. At present, the expenditure on serious illness** has become one of the focuses of people's gradual attention to serious illness compared with ten years ago.

Therefore, the rise in ** fees in the next few decades has almost become a trend, and choosing a critical illness insurance with a large sum insured for critical illness is to look at the problem from the perspective of development. Therefore, the sum insured will long resist or partially resist the risk of currency depreciation caused by inflation. And at the same time, the pension can be converted, so that the security and pension are suitable!

3. Pension savings. When you can earn money now, prepare yourself as soon as possible when you can't make money in your old age, and ensure that your quality of life does not decline in your later years. It's wise to plan ahead.

Simply recommend the type of insurance, you will have a hard time researching, details qq or **.