Who recommends an insurance for me?

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.

Example of insurance for a twenty-five-year-old woman (suitable for white-collar housewives too):

Women's Critical Illness Maternity Protection Plan, lifelong protection, insurance liability: death, total disability, return of survival money, annual dividend, 15 major diseases, women's diseases, maternal and child protection illness insurance. The insured amount is 180,000 yuan, the payment is 20 years, a total of 210,000 yuan is saved, the insurance company rewards 1,000 yuan when giving birth, 10,000 eight cash is received on the 9th and 18th contract anniversaries, and there are 580,000 yuan in the account when you are 88 years old, and 820,000 yuan in the account when you are 100 years old.

It can be attached to comprehensive accidental hospitalization medical insurance, including all accidental hospitalization medical treatment, etc., there is no limit on the number of reimbursements, and the waiting period for hospitalization is only 30 days!

The monthly fee of 200-300 will not be high, 200,000 is very good, it depends on how old you are Upstairs this is too fake, 2180 can get 800 yuan a year, and the profit is more than 30 percent, which is more than ** rich. To be honest, at the age of 27, 300 yuan a month can buy a critical illness with 20w sum insured, which is still more realistic. Moreover, critical illness insurance can also get back a pension if you choose to surrender it when you retire, and it is the most economical to pay a 20-year premium, which is recommended.

If there's something hi, I'm there.

First of all, your point of view, after marriage, one party can benefit from two parties, (the beneficiary is mainly for yourself, spouse, children, and parents, which can be specified or statutory) and then your protection content is mainly what you want, to be honest, you don't invest a lot of money, so if you take care of critical illness, the amount of insurance will be a little low, but the amount of insurance for accidents will be much higher.

Xinhua's blessing is as good as Donghai A, and the dividends are very high.

Xinhua is a real insured dividend, I paid 2170 a year to buy Furu Donghai for the first time 800 yuan, do you deposit 2170 interest in the bank 800?

Insurance is a subjective product, which needs to vary from person to person, and the one that suits you is the best. Different groups of people have different insurance allocation schemes:

First, for children

Children themselves are exposed to three major risks: accidents, illness, and educational disruption.

Accident insurance: Children are lively and active, and bumps, abrasions, and burns are inevitable, so for children, accident insurance is the primary need.

Medical insurance + medical insurance: medical insurance will be reimbursed first, and then medical insurance will be used to reimburse the remaining expenses.

Critical illness insurance: When a child suffers from a critical illness, it not only costs a lot of money, but also often requires one of the parents to resign to take care of the child at home, which will seriously affect the income level of the entire family economy for a long period of time.

Critical illness insurance can supplement the family's loss of income caused by taking care of children, and can also make up for **** expenses, so it is very important to prepare a critical illness insurance for children!

Education funds: After the three basic insurances of accident, medical and critical illness are purchased, and you still have the ability, you can allocate education funds for your children.

Second, for the breadwinner of the family

Medical Insurance: Medical insurance can be used to cover the loss of our expenses.

Critical illness insurance: Since critical illness insurance is a benefit-based insurance, the insurance company can directly pay a sum of money when the claim conditions are met, so critical illness insurance can be used to protect our income interruption loss due to illness.

Accident insurance: It mainly covers accidental death, accidental disability, hospitalization due to accidental medical treatment, etc., such as falls and falls, dog bites, traffic accidents, travel accidents, etc. Among them, the medical expenses incurred due to accidental hospitalization can be reimbursed by the insurance company with the invoice.

Life insurance: It is a kind of insurance that takes the death of a person as a compensation condition, whether it is due to illness, accidental death or natural death, or even suicide after two years of insurance, life insurance can pay, of course, some life insurance also protects the disabled, but also protects the responsibility for survival.

Annuity insurance: After the four major diamonds of critical illness, medical treatment, accident and life insurance are complete, there is still room to spare, and we can start to solve the risk of interruption of pension and education funds caused by income interruption.

Third, for the elderly

Million Dollar Medical Insurance: If your parents are in good health, you can give priority to buying a Million Dollar Medical Insurance for your parents.

If you can't buy a million medical insurance, you can consider configuring a cancer medical insurance.

Comprehensive accident insurance: When people get older, most of them will have osteoporosis, which is easy to induce accidental injuries such as fractures, so it is also necessary to buy an accident insurance for parents.

Fourth, for families

Children depend on their parents for all their lives before they become adults, so the parents themselves are the greatest guarantee for children.

Therefore, we must first ensure that the adult's accident, illness, and death have been fully protected, and then consider the child's insurance.

It's the same thing for the elderly to buy insurance, the adults have fallen, who will support the elderly?

Therefore, when we choose who to buy insurance first, we should "put adults first, then the elderly and children".

To buy personal insurance, you need to combine it with your work and life to find a product that suits you. If you need a newborn, you can buy children's education insurance.

It is recommended to first purchase community cooperative medical insurance, pay more than 200 yuan per year, and the reimbursement ratio for medical treatment is about 75%, and then consider purchasing millions of medical insurance and accident insurance of commercial insurance to make the protection more comprehensive.

We recommend Pacific Gold Life 2014 Critical Illness Insurance. Covers 60 critical illnesses + 12 mild illnesses, for a total of 72 illnesses. It is the largest number of types of insurance in the entire insurance industry.

Moreover, the only commitment in the industry is that if you suffer from 12 mild diseases, you can pay 20% in advance and waive the premium, and the protection is still effective, and you don't have to pay the money in the future (other companies' products can't do it). The sum insured increases year by year, increasing with age, resisting the risk of future medical expenses**, and doing nothing to raise interest rates and double the money. In the future, if you are healthy, you can also transfer the annuity as a supplement to the old-age pension, and you can choose to receive it in a lump sum or in part.

How to choose a reliable insurance company?

1. There are four listed insurance companies in China (China Pacific, Ping An of China, Chinese Life, Xinhua) 2. Only three of the four are comprehensive insurance companies (China Pacific, Ping An of China, and Chinese Life) (Note: Xinhua Insurance Company cannot do car insurance).

3. Only two of the three are listed as a group (China Pacific, China Ping An) 4. Only one of the two is a state-controlled insurance company (China Pacific) China Pacific Insurance Company.

I want to buy it too, have you found it?

It mainly depends on what the individual needs, whether it is protection or financial management, or something else. Insurance needs to be communicated before you can develop an insurance that can truly solve your needs. It also depends on the regional issues of the city where the individual is located.

No matter how good the company is, if you don't have a claim or something else in your local area, do you still have to go to other places to apply?

Hello friends! Thank you for your trust, buying insurance is to choose the strength and profitability to be strong, the strength represents the customer's choice, the profitability represents the company's ability to pay and can also protect the interests of customers to the greatest extent, I believe that you must know the choice, if you have specific questions, you can consult me, your safety and my commitment! Ping An ranks 128th in the world in the Fortune Global 500, China's largest comprehensive financial insurance company, and the world's second largest insurance company!

What type of accident do you want to buy? Critical illness? Or pension life insurance?

I think it's good that Ping An has a universal insurance, so I bought one.

Select the company: Ping An is one of the world's top 500 companies, the world's most valuable brand life insurance industry first, choose the product: Ping An Fu is good, the first product with a market-oriented rate to give customers a profit of 4% pricing, to ensure low overall premiums.

Selected service: Ping An promises that the information is complete and will arrive in 3 days, depending on the comprehensive strength: the dividend ability is the first, and the waiting period is the shortest.

Hello, I am the business director of Ping An Life Insurance, and I can explain to you in detail about the needs of customers for all aspects of protection