Study abroad, how to match universal insurance and other types of insurance

When studying abroad, you should choose comprehensive accident insurance and term life insurance, which is the most practical! In China, some insurance companies open global claims, so as long as you go to any country with branches, you can apply for claims assistance!

Hello! To study abroad, universal insurance + term life insurance is recommended. The perfect combination. Reference: How much money to spend on insurance is the most cost-effective Ping An Outsmart Life Insurance (Universal).

Hello: Universal insurance can meet your needs. Universal insurance is a relatively flexible type of insurance, which has both protection and financial management functions, and at the same time has many advantages such as flexible payment, adjustable sum insured, convenient receipt of policy account value, and transparent and open assets.

Universal insurance is a minimum annual premium of 4,000 yuan, covering 150,000 yuan, critical illness 100,000 yuan, accident 100,000 yuan, and accidental medical treatment 10,000 yuan. Universal insurance is the ideal choice for you, I can tailor an insurance plan for your needs, if you need more information, please feel free to contact me.

Hello, it is recommended to attach critical illness, accident and hospitalization medical insurance, so that the protection is more comprehensive, in which the design of the sum insured is very important. Reference: Household income distribution chart for the average person A table explains insurance clearly!

A few hundred yuan of accident and hospitalization medical insurance a year, Ping An Family outwits life, critical illness medical and pension insurance.

Hello: Universal insurance can be attached to the main insurance, which is also more comprehensive. Reference: Ping An outwits life omnipotently.

Hello, universal insurance is a more flexible type of insurance. Ping An's universal insurance can be supplemented with critical illness, accidental outpatient and hospitalization. To study abroad, you can have an emergency medical rescue card. Welcome to call us for more details.

Hello, general medical insurance is not covered in foreign countries, it is recommended that you only do life insurance and critical illness, and accident insurance. Reference: Plan for people around 25 years old.

Hello, it is recommended that you do accidental medical treatment and critical illness. QQ consultation is available, and we are happy to serve you.

Serious illness, accident, do not bring medical treatment.

It is recommended to purchase a study abroad insurance plan to study abroad, which covers accidental injury, accidental death, medical expense compensation, hospitalization allowance, emergency medical evacuation, study interruption, etc. If you have bought universal insurance, it is recommended to take the main insurance for the time being, and then add critical illness and accidental injury. Don't think about medical treatment.

Spring International College Recommends:

It is best to use most of the funds for investment purposes, first to ensure an annual income of more than 2%, and then use a small part of the flexible combination with other types of insurance, such as medical insurance. In foreign medical hospitalization insurance, group purchases are very cheap, and the coverage is very comprehensive. If you buy medical insurance in China, you will be covered during the period when your child returns to China to visit relatives.

It is not advisable to put all your money into an insurance account, but insurance can help you a lot.

You don't need to buy your own insurance to study abroad, and the school will buy it uniformly.

Of course, if it's not good, you have to stop, and you can't buy it.

It's not that it's bad, but the insurance has been updated, the old universal rate is low and the double compensation is paid, and the customer benefits are great. Therefore, the time to sell in the market must be limited.

It's normal for insurance types to be renewed.

When new varieties are introduced, the old ones will be replaced

Because it is necessary to replace the new type of insurance, and the universal insurance type is a product with a lower rate and higher income, it is impossible to sell it in the market for a long time, and it is a matter of time before it stops.

To protect: Xinsheng to protect children can choose the No. 1 listed Jixing Bao.

The initial cost of universal insurance is used by Ping An as an investment in the country's infrastructure, while the funds in the personal account are not used as investment, because universal has the characteristics of receiving at any time, and Ping An is responsible for shareholders.

Market demand and changes, just like products in other industries, will not only be updated.

Magnum is not suitable for middle-aged and elderly friends, because the fee is deducted for life, so the deduction is not very good!

Depending on your parents' condition, you can choose regular or lifetime pension insurance, with additional principal repayment critical illness + accidental hospitalization!

Zhiying Life is flexible in payment, but the general payment is recommended to be about 10 years, with the lowest interest rate in the financial industry, and the death fee will be deducted for life, and the deduction will increase with age! Its protection is lifelong, and the general salesman misleads customers about the additional insurance under this main insurance and says that it is sent, but it is deducted from the main insurance!

Protection for the elderly and children: accidents, medical treatment, and critical illnesses can solve your worries with a few hundred yuan a year, mainly to consider yours, because the elderly and children have to pay for more protection, so first of all, we must ensure your health and a stable income.

Your age is the stage of primitive capital accumulation, and it is indeed good that you can have this insurance awareness. Based on your brief information, you can see that you still have a plan for your future. To buy insurance scientifically, adults should come first, then the elderly and children; Protection first (accident, medical, critical illness) and then investment (pension, education, financial management, etc.), especially at your age, accident insurance must be considered, and there are many factors to consider when buying insurance reasonably:

Age, gender, annual income, annual expenditure, annual balance, what are the current guarantees, whether there are loans, whether there are investments (**, **, bonds, real estate, etc.), children's education, support ...... for the elderlyIt is necessary to design the scheme according to these reasonable plans, because the insurance is paid for more than ten or twenty years. So don't let these uncertainties affect our future quality of life. Be sure to consider comprehensive, because the insurance payment is directly linked to age, the older the age, the higher the cost, the shorter the protection time, and the scientific planning of insurance is to control the annual insurance at 15-20% of the annual family income, and the amount of life insurance is 5-10 times your annual income, so as to reasonably avoid potential risks.

It is recommended to invest in 5-year or 10-year bancassurance products, you can consider Hongfeng, Ruifeng, Ping An of life insurance, you can ask the salesman, to bancassurance, this belongs to the short-term investment, stable, very suitable for the elderly.

Zhiying Life is indeed Ping An's flagship product, the income in the last two years is OK, there is about more than 4% of the income per year, don't think about it and don't believe it, although it looks like 4% is not much, it is still good in the insurance industry.

But universal insurance has two drawbacks.

1. The deduction fee is high, 50% of the money you pay will be deducted from the account in the first year, and then the policy management fee will be deducted every month, and 25% of the premium paid will be deducted in the second year.

2. You can attach critical illness insurance, but a lot of money will be deducted every year, especially the older you are, the more you deduct, it is far better to buy a critical illness insurance alone, and the money deducted from the account will affect the dividends or something, you can inquire about the employees of the insurance company who buy universal will generally adjust the insurance amount to the minimum in the second year, and the serious illness is generally not attached, so that the income is maximized. In fact, universal itself is more suitable as financial insurance, rather than life insurance and critical illness insurance.

I won't help you analyze the specific terms, it's too complicated to write clearly, and the above will roughly point out a little bit of advantages and disadvantages.

It's not worth buying critical illness insurance at this age, hehe. If you manage your finances, I recommend you a life Ruifeng bar, which is also a kind of omnipotence, monthly interest compound interest, one-time savings, withdraw at any time, no time limit, no charge for withdrawing money, high income, 09 years of income. Awarded annually for the first ten years.

In the event of an accident, the account value can be doubled.

The disadvantage is that there is a 5% initial fee and a policy administration fee of 5 yuan per month), which is suitable for deposits of more than 50,000 yuan. My mom bought this, basically a year back to the cost, and then start the pure income.

If the deposit is less than 50,000, it is better to buy Hongfeng, because there is no deduction, but the 5-year term, that is, it is best to get it back after five years, and the income will not be high if the policy is surrendered in the middle.

You can call 95519 and ask them to send a salesman.

Your parents are older, obviously not suitable for buying universal insurance, you can look at other companies' products, and it doesn't hurt for you to refer to more. China Taiping sincerely serves you!

Don't buy universal at the age of 50, the cost of deducting protection is very high, the pros and cons of Zhiying Life Universal Insurance are not a few words that can be said clearly, because it is very complicated, the most important thing is to understand the initial expense ratio and protection cost of deduction (the main insurance and additional critical illness must be deducted), pay attention to the universal interest rate announced every month! If you want to know more about it, just ask the salesman to play the plan, and call 95511 with the plan!

Rich life and Xinli's can also be added, additional critical diseases can also be applied for purchase at this age, the payment time is shorter, too long is troublesome!

Your parents are 50 years old, not suitable for insurance, the premium that needs to be paid is too high, it is greater than or equal to the amount of insurance you insured, so in vain, the effect of your money in the bank and in the insurance company is the same, Ping An's so-called universal insurance is including critical illness, accident, pension and investment insurance You can also understand that it is a combination of insurance and **.

Allianz recently has a product called Super Suixin, which is very popular and can be bought from 7 days to 90 years old, and there is a lot of news about this on the Internet, which can be checked.

You can learn about New China Life's exclusive life, 027--61540750

Xueba talks about insurance, focusing on insurance evaluation! The latest ranking list of popular universal insurance is out, and it is recommended to collect:"Wool! Top 10 Popular Universal Insurances Worth Buying

At this age of the parents, it is recommended to take the protection insurance as the standard, and this product has been discontinued, but if you are interested in Zhiying Life, you can read below:

Universal insurance is a type of insurance that integrates investment income, death protection, and critical illness protection, with multiple protections under one policy. This type of insurance product is what insurance companies like to sell the most, saying that it is a kind of insurance that protects investment and win-win insurance. Even the big-name insurance company Ping An Life is no exception.

Ping An has many universal insurance products that are worth discussing, such as Smart Star, Smart Star, Smart Life, Smart Win Life, etc., and the protection content looks good. Is it really that good, you can see it when you look down?

Take "outwitting life" as an example.

Let's take a look at its financial management features first.

The main insurance of this insurance is universal whole life insurance, and the insurance company will allocate a universal account for you, but before the compound interest increases, the initial fee and protection cost will be deducted, and the specific amount of interest is uncertain, but there is a guaranteed interest, yes. What is the concept, the interest rate of Yu Bao is about now.

As for what the specific initial fee and guarantee cost are, and how much money will be deducted, this is a little complicated, if you are interested, you can take a look at my original evaluation:"There are still these untold secrets in the safe [outwitting life]".

Let's talk about its safeguard function.

For example, if you unfortunately have chronic renal dysfunction, the insurance company will not pay a penny, and will not pay you until it becomes end-stage renal disease. Generally, critical illness insurance includes coverage for minor illnesses. I'm not talking nonsense, just look at these popular critical illness insurance in China:

"Comparison Table of 136 Popular Critical Illness Insurance in China".

Ping An Zhiying Life Whole Life Insurance (Universal) is actually a whole life insurance product. Critical illness is added as a supplementary insurance, and if a serious illness occurs, it will be paid in advance once it is diagnosed, but other medical expenses need to be calculated separately. At the same time, it is also a universal insurance, is the universal insurance that has been hyped up in various ** really universal?

Universal insurance is flexible, and it is okay to pay for 3 or 5 years? In fact, there is no such thing as insurance at all, why? In other words, if the payment is flexible, it is not insurance, but should be called deposit, to the bank survival period, want to save if you want to save, want not to save, want to save for three years, save for five years, save for five years, this is called flexible.

As you know, there is no such thing as a free lunch. How free to receive universal insurance? Here's an example:

You go to the bank to deposit a five-year fixed term, of course, you have the right to withdraw in advance, this is called the freedom to receive, but your interest can only be calculated according to the current interest rate, which is the loss borne by me. However, the receipt of insurance is completely different from that of banks. If you receive it early, you may not even get the principal back.

Universal insurance, if you have sufficient funds and plan to invest in the medium and long term, with a guarantee by the way, then you can indeed consider it; If not, it is advisable to be cautious, otherwise you will end up saying "insurance is a lie".

Ping An's current third-generation universal insurance for adults is: (Outsmart Life).

Whole life insurance is guaranteed for life, and the premise of envy is that you can't withdraw all the money in your account. When the cash value of the Brothers is higher than the sum insured, the payout is 105% of the cash value. It is the ratio of cash value to sum insured, which is the bigger.

As long as the cash value in the account is sufficient to cover the cost of protection, the insurance contract is valid.