My son is three years old and wants to buy an insurance policy at Life, please recommend it!

This is called the education grant.

After all, children are active, accident insurance, and medical insurance should bear the brunt. Then consider the combination of pension insurance, children's education funds, dividend investment and other products.

Also, it should be noted that buying insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

First of all, the order of purchasing insurance is: you must first protect the product, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

Secondly, the principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

Third, insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

Here, I know that in this industry, there are three sentences that say this: "brand in life", "Ping An's talents" and "Xinhua's products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

The annual premium is about 10-15% of the annual income, which is reasonable!

The most basic insurance package for children, in a nutshell, a one-year-old baby example:

1. If you invest in education funds for children, pay a total of 100,000 yuan in 15 years, then you can receive more than 10,000 yuan when your child reaches high school and college, you can receive 50,000 yuan when you get married, and there are more than 70,000 yuan in the account at this time, if you receive a pension after the age of 60, you can receive more than 5,000 per month, and a total of 1.2 million in 20 years! After the age of 80, there are still about 200,000 in the account! By the age of 100, there will be 680,000 in the account!

Get your premium back every 3 years!

2. In addition, there is a comprehensive accident hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days!

If you pay 3000 a year, if you use it for your child to go to school or get married, you won't get a lot, so it is not recommended to buy it for your child, you should buy medical and health insurance for yourself, and the biggest protection for your child is your parents, remember. I am from Ping An Shenzhen Branch of China, and I can give it to me if necessary**, which can be found in my information. Thank you!

What you said should be that the insurance premium does not exceed 3000, I am from Canada Zhonghong Insurance Beijing, there are 2 children's education products in Zhonghong, Fortune Baby and Smart Baby, the response is very good, each has its own focus, one is to focus on education, one is to focus on critical illness to protect a lifetime, it depends on your situation, you can contact me to understand.

How to choose insurance for your baby.

1. Accidental injury and accidental medical treatment: It is very simple, but there are quite a lot of children who have burn accidents, and I think it is necessary to talk about the details of accident insurance, the main consideration is whether the scope of responsibility for accidental injury is comprehensive, the form of payment for accidental medical treatment, the amount, etc.

2. Medical treatment and critical illness: Needless to say, first go to the local children's medical insurance, which can supplement some hospitalization allowances, and the amount of critical illness is about 30-500,000.

3. Education funds: rigid demand, how to use the reserve of education funds has been controversial, savings, investment, insurance or a combination of many things, which has a lot to do with the income characteristics of different families, a little more complicated.

Be wary of insurance with short payment periods, high premiums, low protection, and annual returns!!

Myths about buying children's insurance:

Myth 1: Adults are not important, you must buy insurance for your children first.

The correct order of buying insurance should be adults first and then children, which is a way to be truly responsible for children.

Myth 2: Buy children's insurance only to buy education funds and not health insurance.

Children's accidental medical treatment and critical illness must be the first to establish protection, hundreds of thousands of medical expenses, for most families are unaffordable.

Myth 3: Blindly buying insurance does not consider financial ability.

When choosing insurance for your child, you should decide on two factors: the size of your need for protection against various risks and the level of your ability to afford premiums.

PS: It's hard to buy the right insurance for your child when you choose a plan for your child like this.

For example, in Beijing, I can help your baby analyze it specifically.

If you want to buy insurance, you want to choose a large company, and there are many advertisements, is there any protection?

Answer: The first thing you should pay attention to when buying insurance is the professionalism and integrity of the salesman, followed by the company's timeliness and product suitability, as well as how the future returns!If you only consider the company's big advertising, if you encounter salesmen who deceive and mislead customers, then no matter how powerful the company and products are, it will be an empty word, and eventually lead to the loss of their own interests!

As the most basic insurance package for children, it is also the most practical insurance package, which should be based on education fund + comprehensive accident hospitalization medical treatment.

After having a sound insurance foundation, and then considering critical illness and pension insurance, it is like building a building.

The annual premium is about 10-15% of the annual income, which is reasonable!

The most basic (and most practical) insurance package for children, in a nutshell, a one-year-old baby example:

1. If you invest in education for your child, pay a total of 80,000 yuan in 15 years, then you can receive 60,000 yuan to your child's high school and college, 20,000 yuan when you get married, and there are 60,000 yuan in the account at this time, if you receive a pension at the age of 60, you can receive 3,000 yuan per month, and a total of 700,000 yuan in 20 years!After the age of 80, there are still 170,000 in the account!550,000 yuan in the account at the age of 100, and an additional 50,000 yuan in the case of 100 years old or death!

8% of the sum insured will be refunded every 3 years, and you will receive it for life!

2. Attach a comprehensive accident hospitalization medical insurance!Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days! The reimbursement rate is 80%!

3. You can attach a critical illness insurance to protect you until the age of 88, pay for 20 years, the sum insured is 50,000, and the cumulative payment is 16,000, you can get 40 kinds of critical illness protection, enjoy the compensation mechanism for four major illnesses, and enjoy the annual dividend and final dividend, and receive a one-time maturity payment of 50,000 yuan when the contract is terminated at the age of 88!

In general, your child's insurance is medical, accidental, educational, Pacific Baby's well-being and personal accident medical (100% reimbursement) and education insurance to meet your needs.

Chinese life is better except for Hongyun children, others, don't talk about it, you understand. Insider.

Chinese life Fulu baby, Fuxing children, Fuman life, Ruixin both.

Fortune Kids Fortune Gold Fortune Life Personally recommend Fortune Kids Specialized children's insurance.

I gave my child a Chinese life Fulu baby, and I think it's good.

What about Chinese Life Insurance Company? An article will take you to understand the most real Chinese life:"How is Chinese life, is it worth buying, in-depth analysis".

Babies who are less than a year old can buy insurance products designed specifically for children, and I recommend medical insurance, accident insurance and critical illness insurance, which you can choose according to the specific situation of your baby and family. However, you must be cautious when buying insurance, although Chinese Life is a large company, but the cost performance of the product must be high? Let me take you to take a look at the comprehensive assessment:

Founded in October 1949 and headquartered in Beijing, Chinese Life is a state-owned super-large financial and insurance enterprise and one of the four major central enterprises.

First, what is the strength of Chinese Life Insurance Company

Latest registered capital:28.2 billion

2019 Fortune Global 500,Chinese Life Insurance ranked 51st

Chinese Life's 2019 Q1 Q4 premium income was 100 million yuan, ranking first in China.

In general,Chinese Life has abundant funds, high national recognition, firmly sit in the position of the big brother of the domestic insurance industry!

Second, the latest solvency of Chinese Life

Solvency refers to the ability of an insurance company to fulfill all contractual obligations at any given time, reflecting the relationship between assets and liabilities, and the higher the solvency, the less likely the company is to fail.

The latest comprehensive solvency ratio announced by Chinese Life is that the core solvency adequacy ratio is:The comprehensive risk rating was A, far exceeding the passing mark set by the China Banking and Insurance Regulatory Commission, and the performance was excellent. Solvency insurance companies, I have listed, click here to understand:

"2020 Top 10 Solvency Insurance Companies".

Third, how about the products of Chinese life

Chinese Life is mainly engaged in life insurance, accident insurance, health insurance annuity insurance and other life insurance, as well as various property insurance businesses, the more popular products are: China Life Fu series, Corning series, Fulu Xinzun, etc., some of the main products are shown in the figure

Whether the insurance value of China Life is worth buying, it is necessary to analyze it through the product, taking its popular critical illness insurance "China Life Fu Series" as an example, although the protection is sufficient, but the cost performance is low, you can see this article for detailed product evaluation

"It's said on the Internet that Guoshou Fu is not good, is it true? 》

As well as the Fulu Xinzun annuity insurance that many people are concerned about, I also evaluated it:"Fu Lu Xinzun, who everyone robbed like crazy back then, why do so many people say pit now? 》

Yes, you can choose different insurance companies, and you can buy several.

1. Three-year-old children do not need to buy life insurance.

Because the child is not the main financial force of the family, the family will not face the situation of having no income after the death of the family.

The Insurance Act restricts the payment of death benefits to minors.

If you die under the age of 10, the maximum insurance compensation is 200,000 yuan;

The maximum amount of compensation for those aged 10-18 is 500,000 yuan.

Children over the age of 3 are given priority to apply for the protection insurance they need (children's health insurance, serious illness insurance, medical insurance, accident insurance).

2.Children's medical insurance.

After enrollment, you can enjoy extraordinary diseases such as hospitalization and outpatient**. However, there is an upper limit and starting line for the reimbursement of doctor's treatment insurance, and the scope is also regulated, so it is also necessary to purchase commercial insurance to supplement the lack of rent.

Hello, I am the sales ** person of Chinese Life Zhengpeng Insurance, there are many varieties of Chinese Life, including products for children "China Life Elite Children", "Children's Education Type A", "China Life Hongyun Children's Insurance". These three are mainly parents who save education funds for their babies, settle in and start a business. For example, if the child is 0 years old and pays 479 yuan per year, the annual payment to the age of 17 will return 3,000 yuan at the age of 18, 3,000 yuan at the age of 22, 4,000 yuan at the age of 25, and the contract will be terminated at the age of 4,000 yuan for each child education type A, and the annual payment will be about 920 yuan for each child education type A until the age of 14, and the annual payment will be 1,000 yuan for the age of 14, and the contract will be terminated at the age of 3,000 yuan per year.

There is no limit to the number of copies purchased, but the Insurance Regulatory Commission stipulates that the maximum compensation for minors does not exceed 50,000 yuan, that is, multiple copies can be bought, but in case of the death of the insured, the insurance company will only pay no more than 50,000 yuan, and the rest will be refunded. Check with local companies, some insurances are not available in some areas. You can also leave me a message for details, and I will reply as soon as possible.

I hope what I said is helpful to you. You can call 95519 for advice. The hospitalization medical expense insurance is about 220 yuan a year, and as long as it is a second-level hospitalization [county-level], the upper limit of reimbursement is 5,000 yuan.

Hospitalization medical expenses are generally additional insurance, and you must apply for the main insurance to handle them.

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

The amount of insurance required for children of different ages will vary and can be divided into the following categories:

Month: Children's medical insurance is indispensable.

Babies born within 28 days of age cannot be equipped with commercial insurance, so it is recommended to give priority to children's medical insurance to ensure basic medical reimbursement.

Months to 6 years old: It is recommended to configure medical insurance + critical illness insurance.

Children between 3 months and 6 years old have immature immune systems and poor resistance, which is a high incidence period of diseases. Medical insurance + critical illness insurance can protect children's medical expenses to the greatest extent. Secondly, applying for critical illness insurance as early as possible can also extend the duration of protection with the same premium.

Age -10 years old: Accident insurance.

Children in this age group are in an active age and are prone to accidents, so they need to be equipped with accident insurance with accidental medical treatment.

Age -18: Critical illness, medical treatment, accident fully equipped.

Teenagers of this age group have higher expenses in the process of growing up, so they should be fully insured for possible diseases and accidents to prevent additional financial pressure caused by risks.

Test your anti-risk index, and specialize in the right family for Zhiling to interpret for you for free!