What is the best way to buy life insurance? Which one is better to buy life insurance?

This needs to be determined according to your own situation, I can help you understand your needs, for you to create your own life insurance, I don't care about any company, just do it myself, I don't want to buy unclear and not meet your own needs, of course, if you need I can also find someone for you.

Hello, to buy life insurance, you can find a professional to create a plan for you according to your personal needs, do you buy it for yourself or your family?

Life insurance includes term life insurance, whole life insurance, survival insurance, life and death insurance, endowment insurance, etc.

Which one to buy depends on what you have needs.

If you don't know what insurance is suitable for you, you can take a look here: which insurance is suitable for adults.

If you are looking for a cost-effective friend, you can choose to buy term life insurance.

This type of insurance is very suitable for the family breadwinner, and it will not be very high.

Term life insurance is very simple, and it mainly covers the death and total disability.

Term life insurance is different from whole life insurance in that term life insurance only covers a specified period of time.

You can choose to be insured for 20 years, 30 years, or 60 years old or 70 years old, depending on how long the product has a warranty period.

When we choose the duration of term life insurance, it is best to choose to protect it until we retire.

If we retire at the age of 60, then we can choose to protect until the age of 60, so that we can have a guarantee at an important stage of our life.

Suppose you pass away at the age of 40 when you have various financial pressures such as mortgages and car loans, then the money paid by life insurance can also be used to relieve the financial pressure on your family.

Don't let your family get into financial trouble.

If you don't know this type of insurance, you can see here: What is term life insurance? Who is it suitable for? Everything you want to know is here!

If you don't know what good term life insurance is on the market, Senior Sister recommends one to everyone - Huagui Barley 2022 Term Life Insurance.

The specific content of the senior sister will not say much here, you can read this article: Huagui Barley 2022 is coming to refresh the floor price again? I advise you to read the review before deciding.

Hello! Ping An Life's Ping An Fu and Zhiyue Life Universal Insurance are all available.

The combination of accident insurance + medical insurance + critical illness insurance is the most comprehensive protection package.

1.Chinese Life Insurance covers children's insurance, health insurance, old-age insurance, protection insurance, comprehensive insurance, accident insurance, additional insurance, participating insurance, and group (enterprise) annuity.

2. When applying for life insurance, you need to pay attention to the following aspects:

1.When choosing a life insurance company, the first thing to look at is solvency, which can be reflected in the balance sheet. If the assets or liabilities are positive and the quantity is large, it means that the company's solvency is strong; Secondly, it depends on the quality of service provided by the insurance company to customers.

2.When choosing a life insurance product, when comparing the best factors, the rental shirt laughs at "which of the two is better"; Then, compare the coverage and exclusion conditions of long-term life insurance products, paying special attention to the differences in conditions such as "observation period" and "deductible days".

3.Choose the most suitable insurance company and product for you, and most importantly, choose according to your current protection needs and financial situation.

In life insurance, the two most common types are term life insurance and whole life insurance. Life insurance is mostly based on the death of the insured, so life insurance is bought for the family in order to leave a sum of money to the family after the death of the insured, and provide financial security for the subsequent life of the family on behalf of the insured.

From a personal point of view, there is no good or bad insurance, and the insurance company is not good or bad, the general terms, and some regulations related to the insurer are not what the insurance company says, there is the Insurance Regulatory Commission! The most direct reason for the information that really makes you feel that the insurance you are insured is not good, fake, deceitful, and so on, is that you are the first person, don't go to the company to choose the product first, because there will always be someone to serve you, and insurance is just a carrier.

It depends on what you're going to do. Whether it is a professional manager or a team salesman, whether it is an internal or external staff, these treatments are different!

Insurance is good and bad Buy the right one is good Buy the right one is not good The company's words Chinese Life is the earliest insurance company after the founding of New China The same age as New China Vice ministerial-level central enterprises The chairman is directly appointed by the Central Organization Department Don't worry about this Protection products have health protection Property protection Accident protection Old-age security Do you want to prepare for future pension or do you want to prevent unknown risks in the future?

Can you explain what kind of protection you want?

If you want to plan for the future, it's also a good idea to buy life insurance. Life insurance takes human life as the subject of insurance, and life and death as the insured event. It can provide a guarantee for your family. Risk can be shared with the insurance company rather than you alone.

There are several types of life insurance, and Cigna experts remind everyone to choose according to their own situation.

Term life insurance: provides protection for people who engage in hazardous work for a short period of time;

Whole life insurance: the insurance liability does not end until the death of the insured, and the insurance money is paid to the insured after the death of the insured, and there is also the function of saving.

Survival insurance, death during the insurance period cannot recover the insurance benefits.

Life and death insurance: If the insured dies during the insurance period, the beneficiary will receive the insurance benefit. If the insured is still alive after the expiration of the insurance period, the insured will receive the insurance benefit.

Insurance is the best tool to transfer risk, and it is also one of the means of financial management, we don't need to put all the money on insurance, but the role of insurance in daily life is absolutely essential.

Hello! Commercial insurance is to supplement the shortcomings of social security, and truly tailor a suitable protection plan according to each person's situation.

Life insurance is not a necessity of life, but it should be a necessity of life. For example, if you don't need flashlights, matches and candles, you'd better have some on hand.

The top ten values of insurance: the old have support, the sick have medical treatment, love has succession, the young have protection, the strong have dependence, the relatives have dedication, the disabled have a fight, the money has been accumulated, the property has been insured, and the wealth has been inherited!

Hello, insurance is guaranteed and is a tool for financial management, although there is no instant withdrawal of convenience, but compulsory savings can achieve the purpose of long-term savings, insurance also has other investment methods do not have the protection function, for a family, investment and financial management to be stable first, "eggs do not put in a basket", life insurance can play a role in wealth protection.

Hello: Glad to serve you. I'm Hou Changsong from Beijing.

It can provide you with insurance vision planning for accidents, critical illnesses, pensions, children's education funds, financial management, etc. Buy insurance to ensure that the risk of affecting the quality of life of your loved one, children and family members is reduced in the future, so that uncertainty becomes certainty.

Hello! Insurance is a must for everyone, and everyone should have it! The main function of insurance is protection, and the principle of buying insurance is to protect first and then manage money!

Accident insurance and serious illness insurance should be considered first, followed by pension insurance or financial products! Premiums are generally 10%-20% of income! Reference:

Three must-buy insurances for young white-collar workers Do you still need commercial insurance if you have social security?

Hello, friends! Commercial insurance is a powerful supplement to social security, and at the same time, it is a kind of compulsory savings.

Life insurance is good, as a strong supplement to social insurance, in principle, it is guaranteed first and then invested, and if you have a certain economic strength, you can insure yourself or your family with relevant insurance.

It depends on whether you need it, there are many kinds of life insurance, it is right to choose the one that suits you, if you have money idle, and you want to have a protection you can try to buy one, but when buying life insurance, don't trust some ** people, carefully review the insurance terms (what physical examination needs to be done), for some exemption clauses (that is, which situations the insurance company is exempt from liability and do not pay) should also ask clearly, it is best to ask about the cash value of the policy (how much money you can get if you surrender the policy), These questions must be verified clearly in the buying, I hope I answer you satisfied.

Well, this will not only plan your retirement in advance, but also make your old age life very high-quality!

Good! But tailor-made, looking for the most suitable product for you, it is best to keep it!

It is impossible to generalize which type of life insurance is better, because different types of insurance have different protection functions, so there is no comparison between them. At present, the main types of life insurance include personal accident insurance, health insurance and life insurance, and these three types of insurance have different protection effects, therefore, consumers should not compare these three types of insurance when applying for insurance, but should make a comprehensive plan before applying for insurance. Ideally, a well-developed life insurance plan should cover personal accident, health and life protection.

If you want to choose life insurance in more detail, you can take a look at this article "Introduction to Life Insurance Types, Which Is Better to Buy?" 》

Hello! Before you buy insurance, it is recommended that you should consider what insurance is suitable for you from your actual situation, and the best insurance strategy for individual commercial insurance is to give priority to improving accident insurance, health insurance and other protection insurance, and then choose appropriate pension insurance and financial insurance as appropriate supplements.

Arnold answered:

Hello! Life insurance is mainly divided into three categories: life insurance, accident insurance and health insurance. According to the survey, the accident rate has been increasing in recent years.

Therefore, if you buy life insurance, you can give priority to accident insurance in life insurance. Buying this type of insurance can provide some protection, and buying accident insurance can give you peace of mind. Purchasing accident insurance is now the first choice in this society where safety is greater than the sky, providing definite protection for unavoidable risks.

However, this is only a suggestion, and you need to choose which one to buy according to your own needs.