I was born in 1986, is it cost effective to buy life health insurance?

It is not advantageous or not. It's not suitable for you.

It's very cost-effective, you are still young, and the fee is not high. Pacific Life Insurance's Jinyou Life Protection is super complete, it protects accidents, diseases, pensions, dividends, and quality, and is an insurance that can grow up. There are also financial products that are also suitable for your retirement. Call **WeChat to sue.

Hello: The sooner you buy health insurance, the more "cost-effective" it is! If someone knows that he will get sick next year and it is most cost-effective to buy health insurance this year, and tomorrow he has an accident, then it is most cost-effective to buy accident insurance today!

To put it bluntly, insurance is the protection that you have to keep for yourself or your family's future! For example, accident insurance will magnify today's investment dozens or even more than 100 times when future risks come! You can chat privately!

Whether it is suitable depends on the individual's situation, although life insurance is bought early and protected early, the younger you are, the lower the cost of buying.

Hello! Health insurance is guaranteed as soon as you buy it! The younger you are, the lower the premium, the same is lifelong, 30 years old is lifelong, 40 years old is also lifelong, the same protection, the premium is different! Health insurance can't wait for a moment!

The sooner you buy insurance, the better, and the younger you are, the lower the rate.

The sooner you buy health insurance, the more cost-effective it is, Chinese life Suzhou Liu Qiuxiang.

Health insurance is a must-have, and the sooner you buy it, the better.

It's cost-effective, everyone should buy health insurance

I'm also 86 years old, suitable! You're a friend of **

Of course, the sooner you buy it, the better.

At this age, he is generally the main force of the family, and his career is initially stable, with the old and the young. This group of people buying insurance should not only take into accountPhysical protection, but also to considerCoverage of family responsibilities, and it is relatively cost-effective to buy insurance at this age, because insurance ** is growing with agePremiums only get more expensive with age

1. Social security

Social security is a guarantee given by the state, and everyone must have it!

2. Critical illness insurance

Once a critical illness is diagnosed and the compensation standard is met, you will receive a one-time compensation of hundreds of thousands from the insurance company. It is used to compensate for the loss of income caused by not being able to work after a serious illness. Critical illness insurance has the highest premium ratio among the four major insurances, so you must compare multiple when buying to avoid spending more money in vain.

3. Million medical insurance

It is the same as basic medical insurance, it is a reimbursement insurance, that is, to see a doctor first, how much money is spent, and reimbursement is based on invoices. The premium of medical insurance is getting higher and higher with age, but because it is a one-year insurance, the premium is not expensive, and the insurance at the age of 30 is about 300 yuan, and there is a reimbursement amount of several million.

4. Accident insurance

Tomorrow and accidents, I don't know who will come first. The consequences of an accidental injury are serious consequences for jobs and family incomes. Spending one or two hundred a year to buy an accident insurance with an insurance amount of hundreds of thousands of dollars can be regarded as having a risk protection, not "running naked".

5. Life insurance

People in their 30s are the main financial force of the family, and they generally have a mortgage and car loan. It is advisable to take out a life insurance policy. If you don't have a budget, buy term life insurance first, and then allocate whole life insurance when the economy is relaxed. The powerful effects of life insurance are as follows:

Life insurance sum insured = housing loan + car loan + other loans + children's education expenses + parental support expenses - family savings.

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For people of this age, buying insurance is still very cost-effective as a whole, and it is relatively easy to buy.

Hello! For individuals, the protection of suitable commercial insurance should be the first priority. Therefore, it is recommended to consider accident insurance, health insurance and other products first, and then consider appropriate old-age security when the protection and economic ability are sufficient.

Purchasing a suitable commercial insurance for oneself does require actual judgment and analysis based on the individual's reality, occupation, physical health, etc.

The specific sum insured and premium expenditure should be based on reality, the sum insured is generally designed to be 10 times the annual income, and the premium expenditure is generally 1 10 of the annual income.