At the age of 22, I want to enter financial insurance, and I don t know how to enjoy my life

First of all, I was safe.

Insurance, its main role is not financial management, right? It is a kind of protection, and the insured can enjoy the corresponding compensation in the event of an insured accident to make up for part of the loss. It is not appropriate to look at it as a means of managing money.

Because, its yield is low, very low.

If you want to manage your finances, it is recommended not to buy insurance. You are now 22 years old, and there is basically no need to buy insurance, because your biological age is at the safest time, hehe.

If you want to manage your money, you want to make money or preserve its value. It is recommended to invest in regular investment**, such as regularly investing in three or five hundred, or even one thousand eight hundred, a month. The risk is not large, and compound interest rolls over. It is much higher than the interest rate of depositing in the bank. Mainly, it rolls over by compound interest.

Albert Einstein said: compound interest is the atomic bomb, it's very strong, if you don't understand it, you can play it.

That's basically it, happy investing.

Stable, insured, but with small returns.

It varies from person to person, so it depends on the actual situation of the customer, such as income, needs, family, health situation, insurance situation, etc.!

A Chinese life full of life that integrates financial protection and financial management should be suitable for you. Pay the annual premium of 5695, return 1057 in the current year, and return until the age of 55, if there is no shortage of money, the return is compound interest if it is accumulated with interest. From the age of 55 to 75, you can receive 2,000 per year, and you can also accumulate until the age of 75.

At the age of 75, you will be given another 10,000 birthday money.

Coverage is 2x, 8x, 10x and 10x+ premiums paid, depending on age. One thing is for sure: this is the highest level of dividend insurance in history.

Disadvantages: It is currently only sold in Hangzhou. If you want to buy, you must first open a bank card in Zhejiang, and then ask the salesman to take the statement (payment voucher) and the insurance contract to the local insurance company for transfer procedures after the deduction is successful.

You are just 22 years old, you have no income, and there is no need to buy insurance at all, because whether it is the community or the unit, you will buy the necessary insurance.

Hello, 22 years old is still relatively young, so if you want to start with these two, then the insurance will be more secure, at this age. The advice for you is to choose insurance first, and then wait until you are older, and then choose financial management if you have more funds. FYI, I wish you a great day.

If the funds allow insurance and financial management need to be allocated, you can use part of your salary to buy accident insurance, illness insurance and other insurance with a protective effect, while financial management needs to invest the excess spare money that you can't use in your life **index**, and there will be benefits for a long time.

If you want to buy insurance, you can buy accident insurance, hospitalization allowance, insurance, million medical insurance, and critical illness insurance, this kind of protection insurance can ensure life safety, and other insurance, such as financial insurance, does not need to be purchased.

Only by buying a bank's wealth management product or a formal and licensed platform can it be guaranteed.

Hello! There are various financial management methods in the market, and insurance financial management is undoubtedly a financial management method with low analysis and high returns. If a 26-year-old young person wants to carry out insurance and financial management, he should make a clear plan for his economic situation and needs, and at the same time, he should also pay attention to avoiding some possible misunderstandings of insurance and financial management.

26-year-olds should pay attention to the issues that should be paid attention to when formulating insurance financial planning.

1 Before purchasing insurance and financial planning, it is recommended that consumers keep a clear head, make a comprehensive assessment of their financial situation, expected returns, risk appetite and tolerance, financial goals and many other factors, and choose products suitable for themselves according to their actual situation.

2 Before purchasing insurance financial planning, it is necessary to fully understand the role and operation of each company's investment-linked insurance, and not just listen to the words of the marketer.

3 For the duration of insurance, consumers should fully understand the product and its purchase channels when purchasing insurance financial planning.

Through the above analysis, I believe you have a certain understanding of how to use insurance to manage money. In short, no matter how much money you save every month for insurance and financial management, the most important thing for 26-year-old young people is to choose the right insurance and financial planning purchase platform according to your investment and financial needs, which is an important choice channel for you.

Xueba talks about insurance, focusing on insurance evaluation! If a 27-year-old friend wants to buy insurance, you can first take a look at the article I wrote:"27-year-old you must buy insurance! 》

The idea of buying insurance at the age of 27 is relatively good, and the overall physical condition is better, not only the premiums are cheaper, but there are also many types of products to choose from. So let me introduce you to what kind of insurance you should buy at this age.

1.Social health insurance.

Social medical insurance should be configured first. As we all know, social medical insurance is a benefit given by the state, and it is recommended that you purchase social medical insurance. Social health insurance** is also cheap, and there is no pressure to buy.

2.Critical illness insurance.

Critical illness insurance is one of the types of commercial insurance that you are recommended to buy. Let's take a look at this set of data first, lung cancer is now gradually starting to get younger, and most of this kind of disease appeared in the elderly group before, and the youngest of the patients was more than 10 years old. The incidence of lung cancer in the 35-year-old population has accelerated, and the incidence of lung cancer in men is higher than that in women.

These data are warning us that critical illness insurance is not only for the elderly, but also for the elderly, and we should pay attention to our bodies and not leave anything to chance. Therefore, it is recommended that you purchase critical illness insurance products as soon as possible.

3.Commercial medical insurance.

Some people think that commercial medical insurance and social medical insurance can choose one or the other, but there is a difference between the two;

In layman's terms, commercial medical insurance complements social medical insurance. If you go to the doctor for some minor problems, then it is enough to use social medical insurance; But if it's not just a small problem, social security can only reimburse 40% of the cost in a secondary hospital, then the remaining 60% is undoubtedly paid by yourself, which is not a small amount of money for a 26-year-old young man who has not been out of society for a long time;

In this case, the role of commercial medical insurance appears: it reimburses the remaining expenses of social medical insurance and then reimburses, which can alleviate the economic pressure caused by high costs.

Among them, the million medical insurance is recommended for everyone to buy, the main reason is that the ** million medical insurance does not need to be very high, only hundreds of yuan, you can get millions of insurance amounts. And its coverage is very comprehensive, such as surgery fees, nursing fees, drug fees, anesthesia fees, examination fees, etc.

4.Accident insurance.

In the face of accidents, everyone is equal: for example, at the age of 27, you may also encounter accidents such as accidental slipping on the road and being injured, traffic accidents, etc.; Buying an accident insurance for yourself is also a peace of mind, not to mention that the minimum of accident insurance is only 100 yuan a year. Hope!

First of all, clear needs and clear directions are the first steps to buy insurance correctly, the so-called insurance needs, that is, why buy insurance, what problems do you want to solve, or what wishes do you want to achieve? Maybe there are a lot of requirements and expectations, and it doesn't matter, but it's best to keep them in order;

Then it is to explain their approximate economic ability or approximate premium budget, in fact, all your needs may not be met, excellent insurance ** person is to consider comprehensively, make a trade-off, through a reasonable combination of insurance to achieve your insurance needs most effectively.

After the premise is clear, implement open plan collection and comparison operations to see which insurance type or combination can most effectively meet your needs, that is what you want! If you are worried about possible harassment or entanglement, you can also go online through the insurance bidding platform of the third-party insurance intermediate station, according to the set standard process, directly and anonymously solicit specific insurance plans tailored by different insurance companies for you, compare and choose.

Universal Insurance. Features: Guaranteed principal, relatively stable annualized income, compound interest calculation.

Main use: As a tool for young people to force financial management, save on an annual or monthly basis to ensure that they have a certain amount of savings at a young age. Withdrawal of funds is relatively flexible.

Disadvantages: low returns in the short term, low insurance protection.

The income of wealth management insurance is not good, and it will be better to do wealth management products directly, and Jiafeng Ruide wealth management products are very good.

At your age, protection is the mainstay, and the wealth management insurance cycle is long, and the income is not very high.

Hello, I am Tianjin Ping An Life Insurance salesman, are you in Tianjin.

Commercial pension insurance, in a nutshell, 25-year-old example:

1. Choose investment and financial dividend-paying pension insurance, and the long-term considerable rate of return is considerable!

2. Suppose you apply for a pension insurance with financial dividends, the amount of insurance is 50,000 yuan, and the guarantee is lifelong, and it is saved for 15 years, with a total of 80,000 yuan! 8% of the sum insured every 3 years, for life! Then you have 350,000 yuan in your account when you are 59 years old, 20,000 yuan a year for a pension at the age of 60, a total of 400,000 yuan in 20 years, 160,000 yuan in the account when you are 80 years old, and 550,000 yuan in your account at the age of 100!

3. Additional regular repayment critical illness insurance and comprehensive accidental hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements.

Are you a**?

It is recommended that Fu Lu double to + Fu Shou Lianlian.

Hello friends.

We manage our finances according to the theory of 1:1:1 to manage our finances, the first 1 to solve their daily expenses of food, clothing, housing and transportation, the second 1 can make fixed deposits, and the third 1 can consider investment and financial management.

First of all, it is necessary to clarify the purpose of financial management. That is, how to achieve a goal and result of financial management.

Secondly, given the financial conditions, such as the financial cycle, available funds, expected return value, and so on.

Third, according to the current economic conditions, individuals have simply combined: deposit + insurance + low-risk return wealth management products.

Deposit is a prerequisite in any case, but also a necessary condition, without deposit, it basically does not have the basis for investment and financial management. Insurance is an appropriate investment, mainly focusing on insurance protection, and the benefits are secondary, and the main purpose is to prevent damage caused by possible events in the future.

No matter what investment is risky, what we need to do is to control the risk, reduce the risk, and obtain greater benefits.

To make an investment, you must start with a small amount of money and gradually make a profit.

If you are interested, you can communicate with me and provide you with professional technical guidance.

If you want to manage your finances, don't buy insurance, because the function of insurance is protection, insurance, not investment. At the age of 21, buy some accident insurance. The rest of the money is used to invest in others.