Life insurance, buy a share insurance for a 5 year old daughter, the first choice is life, followed

Xueba said insurance, teach you to buy insurance for your children and not be pitted! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated

You can click on it to take a look.

How to buy insurance for your child

This question has stumped many parents, today let's take a good look at how to buy insurance for children so as not to be cheated! Pay attention to three key points:

First, children's medical insurance is essential!

After the child is registered, you can go to apply for neonatal medical insurance (urban and rural residents' medical insurance), whether it is a major illness or a minor illness, the basic medical insurance is particularly important, this is the basic security welfare given by the state, and it must be handled well.

Second, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

First of all, critical illness insurance, which provides a relatively long period of protection. 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 many additional expenses caused by illness, such as the delay in studies caused by medical treatment and some losses in subsequent life, which require a lot of cash. Buying a pure protection critical illness insurance can solve these problems in the future.

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

Finally, you need to configure an accident insurance, the child's accident insurance is very cheap, 200,000 yuan per year is only sixty or seventy yuan, you don't see that the money is not much, but in fact, the protection is quite extensive, accidental death, disability, accidental medical liability are within the scope of protection, especially practical.

Third, is there any insurance that I should not buy for my child?

Don't assign life insurance to your child, and try not to choose critical illness insurance with both liabilities. I know the specific reasons in this articleDon't buy either type of insurance for your child! Comprehensive 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 are configuring regular protection for your child, you can configure it for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is not expensive and very useful.

That's all for me"Life insurance, buy a share insurance for a 5-year-old daughter, the first choice is life, followed by safety. "All of them, I hope it helps you! Hope!

It should be considered in two parts, one is what to do if the child is at risk, and the other is what to do if the adult is at risk. Since the landlord buys insurance from the perspective of life risk, what you are worried about is that if something happens to the adult, the child's subsequent life and education will not be at ease. Judging from this situation, you should buy insurance for yourself, one is life insurance, and the other is accident.

If you are worried about the risk of your child, according to the regulations of the Insurance Regulatory Commission, children under the age of 18 can only buy life insurance within 100,000 yuan for death and critical illness of children.

As for the sum insured, it depends on whether you buy regular dividends, whole life or both. But generally speaking, the total premiums for the whole family should not exceed 1 12 of the annual household income.

How much insurance you pay a year mainly depends on your family income, families with high incomes, there is no pressure to spend tens of thousands of yuan to buy insurance for their children, and ordinary families may buy insurance for their children may be a few thousand yuan. How much you pay depends on your specific situation.

I recommend the first choice of health insurance for children, children's resistance is not strong enough, now the environment is so bad, the probability of serious illness is very high, and the ** cost is not a small number. Health insurance covers more than 95% of major serious illnesses, savings. If you are sick, you can have enough to come to treat the disease, and it is better not to be sick, as a savings, and when the children grow up, there will be a good amount of savings.

The younger the age of critical illness insurance, the cheaper it is to buy, so it is highly recommended to give one to your child. Education payments are usually expensive and can be considered if you have health insurance. To be honest, the health of your child is the most important thing, and I hope your child can grow up healthily, thank you.

Pacific Insurance is almost a household name, after all, it can be regarded as a company with a head and a face, so how many does it rank among insurance companies? Recently, it took a lot of time to finally sort out this list of insurance companies for you to see for free:"2020 Latest Insurance Company Rankings".

Is Pacific Insurance Company reliable? Is the product good? Let's have a ** after all!

1.Company strength

Founded in Shanghai in 1991 with a registered capital of 9 billion yuan and listed on both A-shares and H-shares, China Pacific Insurance Company is the second largest property insurance company in mainland China and the third largest life insurance company after Chinese Life and Ping An of China. Judging from the data of the world's top 500 companies released in 19 years, Pacific Insurance is ranked 199th, which should be what everyone says about "big companies, big brands", which just confirms the classic slogan: inject a drop of water at ordinary times, and have the Pacific Ocean when it is difficult.

2.Solvency

Generally speaking, the CIRC has two hard assessment indicators for the solvency of insurance companies, whether the core solvency adequacy ratio is higher than 50%, and whether the comprehensive solvency composite ratio is higher than 100%, if it is higher than this standard, it is qualified. Judging from the data released at the end of the third quarter of 2019, the core solvency adequacy ratio and comprehensive solvency adequacy ratio of Pacific Insurance Company are both 259%, and the latest comprehensive risk rating is A, which is considered good.

3.Claims data

Judging from the latest claims report released by Pacific Insurance Company, the number of claims last year alone reached 3.1 million, and the amount of compensation was 15 billion. If you are worried that Pacific Insurance Company will refuse to make a claim, you may be able to feel a lot more relieved after understanding this set of claims data.

4.Product Introduction

The common types of insurance of Pacific Life are: health insurance, accident insurance, life insurance, annuity insurance, etc. The table below summarizes some of Pacific Life's best-selling products:

Many people may ask, should you be able to buy hot-selling products with confidence, right? Not necessarily! In order to avoid everyone stepping on the thunder, through comparative analysis with popular products on the market, it is not easy to sort out this cost-effective Pacific Insurance product inventory article, and quickly collect a wave"Seven [Recommended] Product Points of Pacific Insurance".

Xueba talks about insurance, and teaches you to choose the best insurance for your child! This year, the comparison table of 136 hot-selling children's critical illness insurance has been updated, click to claim now, I believe it can help you.

How to buy insurance for your childThis problem has discouraged countless mothers and fathers who want to buy insurance for their babies, so let's take a good look at how this problem should be solved! Keep these three points in mind:

First, you must apply for the country's medical insurance!

Neonatal medical insurance (medical insurance for urban and rural residents) is the basic national insurance, and the child should be handled immediately as soon as he is born, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

First of all, critical illness insurance, which provides a relatively long period of protection. Secondly, critical illness insurance is paid directly in cash after getting sick, in addition to being used to treat diseases, it can also solve many hidden problems caused by illness, such as delaying homework because of illness, all need money, after all, as the saying goes, money is not everything, but no money is absolutely impossible. Buying a pure protection critical illness insurance can just solve these problems in the future.

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

Finally, when it comes to accident insurance, it is very cheap for children to buy accident insurance, and the insurance amount of 200,000 yuan is only 60 or 70 yuan per year, which can fully protect the child's accidental death, disability and medical expenses caused by accidents, which is very practical.

Third, what are the insurance policies that are not recommended for children?

There is a detailed introduction in it, and because it is written in detail, I will not introduce it here.

According to the idea I gave you to configure insurance, if it is for the child to configure regular protection, you can get it for 1,000 yuan per year, if you buy lifelong protection, it is only two or three thousand per year, which is not expensive and very useful.

That's all for me"My daughter was 15 years old and I figured out what kind of insurance is suitable for her, and the insurance company should be Ping An, Pacific, and Life"

Xueba talks about insurance, focusing on insurance product evaluation! What kind of insurance is best for my child? Parents who are interested in learning more can take a look at this comparison tableDesigned for 15-year-olds! A comparison table of 136 popular critical illness insurances in China

Parents are indispensable for children to grow up safely, but in addition, children's health protection also needs to be done. Nowadays, 15-year-olds can buy more and more insurance, and it is difficult to know how to choose.

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 large, and many times critical illnesses are also related to the degree of human stress, and a critical illness insurance is very needed at this time.

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, if the child wants to buy critical illness insurance, it is not expensive, the protection time is not short, and the cost performance is very high. If you don't know which one to buy, I've found some good products for you, you can take a lookExclusive for 15-year-olds:

Top 10 popular critical illness insurance policies worth buying

2.Accident Insurance:At this age, children are energetic, and the risk of accidents is everywhere during the process of going to and from school and participating in various activities.

Therefore, it is necessary to buy an accident insurance. I have collected a lot of accident insurance suitable for children of this age on the market, and you can collect it if you need itDesigned for 15-year-olds! 10 of the most cost-effective accident insurance

3.Medical Insurance:There is also medical insurance that can also be considered for 15-year-olds.

If you buy medical insurance, you can be reimbursed for the cost of going to the hospital, and the financial burden on the family will be reduced.

After figuring out what kind of insurance you need to buy, whether the insurance product is expensive or not is also a concern for many parents. In fact, compared with adults, it is still not expensive to buy insurance for children, generally buying consumer accident insurance or million medical care is one or two hundred yuan, and 1000 yuan can buy critical illness insurance, which generally does not cause great economic pressure.

Ping An's Xinsheng plus Xinli is guaranteed and has education reserves.

Ping An has a lot of insurance for kids.

It mainly depends on what you plan for your daughter, but send me a private message.

There are several types of money that can be taken after insurance, one is a fixed return, and how much money you can get in the future is fixed. One is uncertain, which means that it may or may not be available. said that you can get up to 270,000, which is basically based on the highest dividend, which can only be used for reference, don't take it seriously.

But the general mid-range income is still available. Let's look at it by the mid-range, because the difference between the mid-range and the high-end will be very big.

Insurance companies are trustworthy, but some insurance salesmen are not very good and the quality is relatively poor, but most of them are good. So be sure to find a quality salesman.

When children buy insurance, they should first buy protection-type, whole life insurance, and they should protect against critical illnesses. Then buy education investment and the like. This is the principle.

Before buying insurance for children, it is important to make sure that the adult already has insurance.

If you can give your child 10,000 yuan a year, it is recommended to divide it into two insurances, one is the lifelong protection type of two or three thousand a year, and then spend seven or eight thousand to buy an education fund or investment type.

Hello, this is not insurance, it is a lie.

Now you can find any insurance company to take out the insurance, 10,000 a year 5 years and 20 years can only return to the principal, that is the best type of insurance, can not say the best, mainly look at the future income, but will definitely return to the capital, or 20 years of term insurance will be more than 1 20,000, if there is an insurance ** person said so, you can go to the insurance regulatory commission to sue him, you will go online, will not go online without asking will be deceived.

Insurance is to let this kind of person do bad things to the market, you can go to ** to put the name on it and then you can learn more about it. Many companies say that their dividends are so high that only the three major insurance companies can guarantee dividends, and it is difficult for other companies to compete with Life, Ping An, and Pacific.

Li Yang, Senior Business Director of Pacific Life Dalian Branch.

Life is indeed an insurance company.

The essential function of insurance is protection, not investment and financial management. There is no good or bad insurance, only suitable and unsuitable. Now there is only information about your daughter's age, and there is no other information about your family, so it is obviously irresponsible to talk about whether it is suitable or not.

First of all, the general principles of a family's purchase of insurance should be understood

1. Adults first, then children (Parents are the greatest protection for children.) Buy insurance, don't reverse priorities. Parents all over the world have the same heart, and everyone wants to give more to their children.

But only insurance, we protect ourselves a lot, and it is the embodiment of loving children. Remember: if parents don't have insurance, children can't be covered.

Only buying insurance for children is the biggest misunderstanding of Chinese families.

2. Guarantee first, then manage money.

3. The order of insurance is generally: accident, life insurance, critical illness, medical treatment, education or pension.

4. The annual premium expenditure is 10-20% of the annual income

5. It is not necessary to buy it all at once, the accident insurance can be bought by the whole family, and the rest depends on the economic conditions to buy for the family pillar first, and then gradually improve.

If the parents' protection is in place, then consider the child's insurance. Children's insurance should first consider social security, such as Beijing's "one old and one young", which is the most basic protection and belongs to the national welfare policy.

In terms of commercial insurance, children's insurance should give priority to accident and medical and health insurance, after all, the most essential function of insurance is protection, and children's accidents and medical health should be considered in the first place. If you have a strong financial ability, you can consider both.

In order to obtain a scientific and reasonable insurance plan, it is recommended that you refer to the above insurance rules through the "insurance bidding" function of the third-party life sky insurance intermediate station (which does not belong to any insurance company and does not sell any insurance products, but is an interactive platform built for insurance buyers and sellers), and publish your insurance needs anonymously in accordance with the set scientific process. Take the initiative to choose the ** person you like.