I want to buy a dividend insurance for my 15 year old son, which is suitable

Xueba talks about insurance, focusing on insurance product evaluation! What exactly should we buy for our children? If you want to know, you might as well take a look at this comparison tableDesigned for 15-year-olds! A comparison table of 136 popular critical illness insurances in China

The protection of parents is indispensable for children to grow up safely, but in addition, the protection of children's health also needs to be paid attention to. There are so many insurance products for 15-year-olds that many parents don't know where to start.

Let's start by looking at the buying strategy:

1.Critical Illness Insurance:In fact, the pressure on children at this age to study is still quite high, and if the pressure is too great, it may also lead to the occurrence of diseases, so it is necessary to add a critical illness insurance coverage.

A critical illness insurance can play a role in relieving the financial pressure of the family, which can be said to protect both children and adults. In addition, the premium for children to buy critical illness insurance is relatively low, and the time that can provide protection is relatively long, and the cost performance is quite high. If you are hesitant before a bunch of critical illness insurance, you can refer to this collection of critical illness insurance suitable for children that I have put togetherExclusive for 15-year-olds:

Top 10 popular critical illness insurance policies worth buying

2.Accident Insurance:Children at this age are relatively more energetic, whether it is going to school or doing activities, the probability of accidents is high.

Therefore, accident insurance should be bought. I have found out the accident insurance suitable for children, and you can collect it if you need itDesigned for 15-year-olds! 10 of the most cost-effective accident insurance

3.Medical Insurance:Medical insurance is also a good option for 15-year-olds.

Because hospitalization can happen to most people, with medical insurance coverage, you can reimburse most of the medical expenses after seeing a doctor and help reduce the financial pressure on your family.

In addition to the type of insurance, there are many people who are concerned about how much it costs. If you compare it with the premiums of adults, it is still not expensive to buy insurance for children, more than 100 can buy a consumer accident insurance or medical insurance, and if it costs less than 1,000 yuan, a critical illness protection can be bought back, which generally does not cause a lot of financial pressure.

That's all for me, hope!

Xueba says insurance, to help you avoid all the pitfalls of buying insurance for your children! This year, the comparison table of 136 hot-selling critical illness insurance for minors has been updated

You can click on it to take a look.

How to buy insurance for your child

This problem has always been a problem that stumped tens of millions of parents, so let's sort out the methods and ideas for buying insurance for children! Pay attention to three key points:

First, medical insurance is essential, especially for children!

After the child is registered, the first thing to do is to complete the medical insurance. Whether it is a major illness or a minor illness, basic medical insurance is particularly important, so this must be handled for children.

Second, after the medical insurance is handled, you can consider configuring commercial insurance for your child, giving priority to critical illness insurance + medical insurance + accident insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. 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 many hidden problems in the future, such as children who have missed their studies due to illness, and even some subsequent life losses, which require a lot of cash to make up for them. Buying a pure protection critical illness insurance can just solve these problems in the future.

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, with a 0 deductible hospitalization medical insurance, the insurance amount of 10,000 yuan is only one or two hundred yuan per year, which is very cost-effective.

Finally, it is necessary to have an accident insurance, the child's accident insurance is particularly cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, which can protect the child's accidental death, accidental disability and accidental medical liability, which is cost-effective and practical.

Third, what insurance should not be bought for children?

Don't assign life insurance to your child, and try not to attach both liabilities to critical illness insurance. I know the specific reasons in this articleHow to buy child insurance without being cheated? You'll know when you see it!

has been introduced in detail, because it has been written in detail in the manuscript, so I won't spend too much time introducing it here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, 1000 yuan per year can be fully configured, if you buy lifelong protection, it is only two or three thousand per year, and the cost performance is quite high.

That's all for me"I want to buy a dividend insurance for my 15-year-old son, which is suitable"All of them, I hope it helps you! Hope!

Hello! To buy a participating insurance for your 15-year-old son, you need to choose the right product according to the actual needs of the child, such as critical illness type, marriage and entrepreneurship fund type, and pension planning type. Here's how to get started:

1. If your son is weak and susceptible to diseases, you can consider purchasing a participating insurance with critical illness protection for him, such as Taiping Sunshine Angel Children's Critical Illness Insurance (Participating), which can provide your son with 22 common children's critical illness protection, treatment of illness, and disease-free financial management; In addition, it provides premium waiver protection for the policyholder's death, total disability or 30 types of critical illnesses, to solve your worries.

2. If you want to reduce the pressure of marriage and entrepreneurship after graduation, you can choose a participating insurance with wedding and entrepreneurship funds, such as Xintai Splendid Future Children's Insurance (Dividend) Section A, you can freely choose marriage and entrepreneurship funds according to the actual needs of your children in the future, and you can also add additional leukemia protection.

3. If you want to plan your child's retirement life in advance, you can choose the Care e-Health Insurance Plan (Dividend), which provides four protection benefits of health protection, profit dividends, maturity return, and death liability, which can easily achieve capital preservation and appreciation, plan old age, and provide 35 kinds of high-incidence critical illness protection and death liability.

You need to choose the right product according to the actual needs of your child, such as those with critical illness, marriage and entrepreneurship funds, and pension planning. Here's how to get started:

If your son is weak and susceptible to illness, you can consider purchasing a participating insurance with critical illness protection for him, so as to cure his illness and manage his finances without illness to solve your worries. If you want to reduce the pressure of marriage and entrepreneurship after graduation, you can choose a participating insurance that includes the wedding and entrepreneurship funds. If you want to plan your child's retirement life in advance, you can choose the quadruple protection benefits including health protection, profit sharing, maturity return, and death liability, which can easily achieve capital preservation and appreciation and plan for old age.

It is recommended to purchase participating annuity insurance. Dividend income is volatile, and insurance companies do not guarantee that they will pay dividends every year. Annuity insurance, with stable income and survival after the agreed time, can receive a sum of money, which can be used as children's education expenses and living expenses.

If you want to configure annuity insurance for your children, you can take a look at this article: Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Hello, you can consider Ping An Company's wealth management products Zunhong Life or Xinli (two years of return, dividends, double payment at maturity), both products belong to the dividend type of insurance, welcome to consult, thank you!

Hello, Ping An's Xinli and Smart Star are available.

Taibao Dongfanghong, Zhuangyuan Red 6 days interest-bearing monthly compound interest, 12 times a year rolling.

When buying insurance, you should first consider health insurance, then accidents, and finally financial management.

Taiping Life's upcoming delisting of Fuyou Jinsheng is very good, not only has 50 types of critical illnesses, but also gives 10 types of minor illnesses additional benefits, and Taiping's dividends are the highest among all companies.

The protection plan is a long-term financial plan, so it is important to choose the most powerful insurance company. Ping An - 96th of the world's top 500 companies, the only insurance company in China. It is recommended to understand Ping An Life's Smart Star, and Ping An people will serve you.

The life of Xinfu of Chinese life is your best choice.

National Life Fortune Star is good for children.

The oriental red of the Pacific Ocean, the champion red.

Let's buy a safe children's peace blessing.

Dividend products of Chinese Life can be considered.

Recommend Pacific Champion Red.

The blessings of New China Insurance are enjoyed for a lifetime.

Taiping Life Welfare Health+

It can be tailored to the most suitable product for you according to your own and your family's situation.

Dividends are not as good as fixed income.

Hello! If you need help, please consult me! Make a plan for you according to your needs!!

Hello, you can add me for more information!

Participating insurance is greasy, which has aroused widespread concern in the society, and there are still many people who ask what is participating insurance, and click here to understand the truth of participating insuranceHow pitty is participating insurance? 》

Let's take a look at what exactly is participating insurance.

Participating insurance is essentially life insurance, in addition to providing basic protection responsibilities, this kind of product can also participate in the distribution of the insurance company's surplus, dividend distribution has two ways: cash dividend and increase dividend, cash dividend can be used to withdraw, accumulate interest or pay premiums, and the increase dividend is to increase the sum insured every year.

1. How to calculate the dividend of the participating insurance

Let's be clear, the policy dividend of the participating insurance is uncertain, which is clearly stated in the contract. The dividend of the participating insurance is based on the distributable surplus generated by the difference between death, interest and expense, and the salesman always uses the assumed interest rate when selling, and the high-end income and mid-range income he says are unrealistic. In fact, we can only obediently wait for the bonus notice, and we will receive as much as it is written on the notice.

Without a guaranteed interest rate, it is possible that the insurance company will not give a penny.

Looking at the detailed product cases may be easier to understand, Ping An's popular Xinsheng whole life insurance (participating insurance) can be understood"[Xinsheng] participating whole life insurance, the income and protection are choking.

2. Under what circumstances is participating insurance suitable to buy?

When considering participating insurance, first see if you have all the protection. The most basic insurance is the protection function, for the policyholder to transfer risks, but the setting of wealth management insurance is to focus on income, the protection will not be very comprehensive, if their basic protection is not enough, talk about wealth management insurance will not be too early.

In addition, the dividend of the participating insurance can not be used at any time, it has the function of compulsory savings, if your liquidity is not sufficient, and the money cannot be withdrawn in an emergency, it is very uncomfortable.

In general, the income of dividend insurance is uncertain, and the protection of the file is insufficient, if you have configured all the protection, and want to buy a pension insurance, then I have also screened out these products for your reference:"2020, Ten Cost-effective Wealth Management Insurance".Hope!

Hello! To buy a participating insurance for your 15-year-old son, you need to choose the right product according to the actual needs of the child, such as the type containing the first lead of critical illness, the type of marriage and entrepreneurship fund, and the pension planning type. Here's how to get started:

1. If your son is weak and susceptible to diseases, you can consider purchasing a participating insurance with critical illness protection for him, such as Taiping Sunshine Angel Children's Critical Illness Insurance (Participating), which can provide your son with 22 common children's critical illness protection, treatment of illness, and disease-free financial management; In addition, it provides premium waiver protection for the policyholder's death, total disability or 30 types of critical illnesses, to solve your worries.

2. If you want to reduce the pressure of marriage and entrepreneurship after graduation, you can choose a participating insurance with wedding and entrepreneurship funds, such as Xintai Splendid Future Children's Insurance (Dividend) Section A, you can freely choose marriage and entrepreneurship funds according to the actual needs of your children in the future, and you can also add additional leukemia protection.

3. If you want to plan your child's retirement life in advance, you can choose the Care e-Health Insurance Plan (Zhixun Dividend), which provides health protection, profit dividends, return at maturity, and death liability, which can easily achieve capital preservation and appreciation, plan old age, and provide 35 kinds of high-incidence critical illness protection and death liability.

Educational annuity insurance dividends are more appropriate.

However, it should be noted that the participating insurance is generally a financial insurance, and the protection function is weak, so it is necessary to configure the children's critical illness insurance, medical insurance and accident insurance first, otherwise once faced with diseases, accidents and other accidents, the money taken out from the annuity insurance cannot fully resist the economic risks caused by these accidents. In addition, it should be noted that the buried wheel dividend of the dividend insurance is uncertain. If you also want to know more about the content of dividend insurance, you can poke:

About the participating insurance, what the salesman will not tell you.

Xueba says insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

It's now free, click to claim it now.

What insurance should I buy for my child?

This question has stumped many parents, today let's take a good look at what insurance should be bought for children! Follow these three points:

First, medical insurance is essential, especially for children!

Newborn medical insurance (urban and rural residents' medical insurance) is the national basic insurance, the child should be born as soon as the child is right, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so we must handle the medical insurance for the child.

Second, in addition to the basic insurance of national medical insurance, commercial insurance should also be considered, and critical illness insurance + medical insurance + accident insurance should be given priority.

First of all, critical illness insurance, choosing it can provide us with a longer period of protection and remorse. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, which can not only solve the problem of medical expenses, but also solve other associated problems, such as children who miss their studies due to illness, and even some subsequent life losses, which require a lot of cash to make up. Buying a pure protection critical illness insurance can solve these problems.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, with a 0 deductible hospitalization medical insurance, with an annual premium of one or two hundred yuan, you can buy an insurance amount of 10,000 yuan, which is very cost-effective.

Finally, accident insurance, children's accident insurance is very cheap, 200,000 yuan per year, only sixty or seventy yuan, can protect the child's accidental death, accidental disability and accidental medical liability, cheap and useful.

Third, what insurance should not be bought for children?

Don't buy life insurance for your children, and try not to attach both-both-to critical illness insurance. I know the specific reasons in this articleHow to buy the most cost-effective child insurance? The most complete insurance strategy!

has been introduced in detail, because it has been clearly stated in the manuscript, I will not say too much here.

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

That's all for me"I want to buy a dividend insurance for my 15-year-old son, which is suitable"All of them, I hope it helps you! Hope!