How to buy insurance, what is the price, and how to buy insurance cost effective?

Generally speaking, the ** of different types of insurance products is different, and if you want to know the specific, the most important thing is to look at our own actual situation, after all, different people buy the same product ** may also be different. If you want to know more about insurance, you can click on the link below to learn about it: Super Complete!

Everything you need to know about insurance is here.

For example, the annual premium of critical illness insurance may be in the thousands or tens of thousands of yuan, the premium of medical insurance may be hundreds or thousands of yuan a year, and the premium of accident insurance is relatively cheap, and it may take tens or hundreds of yuan a year.

In addition, the insurance product** will generally be related to the gender of the insured, the age of the policy, or the content of the product, the payment period, the duration of the insurance, the sum insured and other factors. Senior sister here for you to sort out some insurance insurance strategies, you can take a look: before buying insurance, you must first figure out these key knowledge points!

If you are a 30-year-old male, choose 300,000 sum insured, protect for life, pay these insurance conditions unchanged in 30 years, and only choose the required liability (including critical illness, mild illness, and moderate illness protection), with an annual premium of 3,150 yuan. If the other options remain the same, just change the "guarantee for life" to "guarantee until the age of 70", then you need to pay 2,100 yuan per year. If you want to know more about this product, here is an analysis and evaluation article, please check:

Is Guolian Life Darwin No. 7 Critical Illness Insurance worth buying? These are the must-see points before buying!

First of all, you must determine whether you need to buy protection or income insurance Secondly, consider your monthly or annual affordability and then choose a powerful insurance company In fact, no matter what insurance ** is based on the amount of insurance you determine Oh If you are from Shanghai, you can find me It doesn't matter if you buy it or not, multiple friends are better, I am the hope of peace.

First of all, you need to understand what type of insurance (type) you need to buy. Then, what kind of insurance company to choose. Different products, different ages, different genders, premiums are different.

How to buy insurance cost-effective? Daddy can give the following suggestions:

1.Understand your insurance needs.

Before purchasing insurance, you need to evaluate your insurance needs.

For example, determine whether life insurance or accident insurance is required? How much do I need? Do I need to include other types of insurance, such as unemployment or travel insurance? Understanding your insurance needs can help you choose the most suitable insurance product.

2.Compare different insurance companies**.

Depending on the type of insurance you want to buy, the premiums of different insurance companies will vary. It is recommended to go to the official website of the insurance company or on the insurance ** to compare and investigate.

There may also be huge differences in premiums for the same insurance product, so you need to be patient in screening and comparing to get the best deal.

3.Choose the right type of insurance.

When it comes to choosing an insurance product, different types of insurance products have different coverage and premiums. For example, the general critical illness insurance premium is relatively high, but in the event of a serious illness, you can get a high amount of compensation;

4.Buy insurance as early as possible.

The earliest time to buy is usually better. Because the sooner you buy insurance, the lower the premium. The older you get, the higher the premiums you have to pay for the same insurance products.

In particular, certain types of insurance, such as annuity insurance products, will be easier to accumulate higher assets and achieve financial goals more fully if purchased at a young age.

5.Buy multiple insurances.

Purchasing multiple insurance policies can reduce your risk and enjoy a variety of insurance benefits at the same time. For example, buying both medical insurance and critical illness insurance can help you ease the pressure of medical bills, and critical illness insurance, which can give you a higher coverage rollout in the event of a critical illness. At the same time, multiple insurance plans can work together to give you more comprehensive protection.

6.Don't buy unnecessary add-ons.

When purchasing insurance, insurance salespeople usually sell unnecessary insurance add-ons, such as additional accident add-ons or additional travel insurance services.

If you think that the insurance add-on is unnecessary for you, do not purchase it to avoid adding unnecessary financial burden.

7.Review your insurance plan regularly.

Once you've purchased insurance, you'll need to review your plan regularly and make changes to make sure it matches your needs.

For example, if there is a change in family status, you need to consider enrolling in the insurance of your spouse or children, etc. At the same time, pay attention to the updates and changes of insurance products to ensure that your insurance plan is not outdated.

The above is Dad's, if you don't understand something, please send a private message.

Insurance needs to follow these principles, and the insurance that suits you is the most cost-effective.

Whether you are choosing critical illness insurance or other insurance for your child, you should pay attention to these three points.

1. Adults first, then children When many parents buy insurance, the first thing that comes to mind is their children. Before I have configured an insurance, I hurriedly configured it for my children, which is putting the cart before the horse. It is important to understand that adults are the greatest guarantee for children.

If you only care about buying insurance for your child, and the adult does not have any protection, then once something goes wrong with the adult, the child's protection will be easily cut off. Therefore, parents should first configure insurance for themselves to prevent the emergence of economic risks, and then consider their children.

2. You don't need to buy term life insurance The four essential types of protection insurance we often talk about are Baizen medical insurance, accident insurance, critical illness insurance and term life insurance. Adults, basically have to be configured. However, children do not need to configure term life insurance.

Term life insurance is a cash payment to the insured's family (beneficiary) in the event of his death or total disability, mainly for the breadwinner of the family. However, children generally do not bear the financial responsibility of the family, and there is no need to take out insurance.

3. Don't buy return-type insurance Return-type insurance can be used to return premiums when it expires, such as return-type accident insurance and return-type critical illness insurance. Many people find this type of insurance to be very cost-effective, which is equivalent to buying protection for decades without spending money. But that's not how the accounts are actually calculated.

For example, we will pay a premium for 30 years until we are 70 years old. Then by the age of 70, the premiums for the first 30 years have been depreciated by decades of inflation, and the purchasing power has been greatly reduced.

In terms of internal rate of return (IRR), the IRR of the final premium return of the return insurance is generally not as high as the whole life of the annuity insurance increase. Therefore, from the perspective of investment, directly insuring children with these two types of insurance has higher returns, and it can also make a financial preparation for the child's future life. In addition, return-based insurance is a return at maturity, which requires the contract to continue until the end of the coverage period.

If a critical illness claim is made in the middle of the claim, the contract will be terminated directly and the return coverage will disappear. We can't get back the extra premiums we paid. Therefore, there are no special requirements, and there is no need to buy return-type insurance.

The most cost-effective insurance is often the most suitable for you, and you can provide compensation for yourself when you need it, if you have any questions, please feel free to consult with Daddy!

With the change of the times, insurance has also become the choice of many consumers, and many friends want to buy insurance at a cost-effective price. Generally speaking, the premium of insurance is related to many factors, such as our policy age, coverage content, payment period, coverage period, sum insured, gender and other factors. Friends who are in a hurry, senior sister here also gives you some tips:

What is the cheapest way to buy insurance?

First of all, the senior sister suggests that it is best to buy insurance as soon as possible, and the younger you are, the lower the premium. For example, in the same situation, the premium paid by the 20-year-old Xiao Wang, who is late, may be lower than that of the 30-year-old Xiao Wang.

If we want to choose some cost-effective insurance products, then, we must look at the content of protection, policy rights, value-added services, etc. For example, some medical insurance and critical illness insurance products on the market will provide us with value-added services, and for example, some products will also provide green pass services, which consumers can use if they meet certain requirements. If you want to know other insurance knowledge, you can take a look at this article:

Ultra-complete! Everything you need to know about insurance is here.

There are many excellent insurance products on the market, and this Versailles Plus critical illness insurance of Tongfang Global Life may be more cost-effective for our consumers. In addition to providing green pass services, the protection content of this product is also very comprehensive, in terms of critical illness, if the insured suffers from the contracted critical illness for the first time before the age of 60, the compensation ratio can reach 180% of the basic sum assured. You must know that this payout ratio is very eye-catching among other critical illness insurance products on the market.

First of all, you need to know your own situation clearly; Family members, age, parents are alive, marital status, development goals, etc., their own needs are suitable for protection.

Then look for insurance products that are suitable for your own situation: for example, if the main economic ** of the family is the most expensive, it is necessary to insure the strength, so that there is no main economic **, and the insurance can provide for the economic expenses of the family; Parents and children pay attention to accidental hospitalization and medical subsidies.

One insurance does not cover a more comprehensive protection, and often requires multiple investments to see the protection more comprehensive and effective; If you don't have a comprehensive understanding of yourself, you can seek help from an insurance consultant; However, you must understand the insurance items one by one, and the one that suits you is the best, and the final decision is still up to you.

For specific how to buy, you can refer to "The Correct Insurance Posture, Teach You How to Apply for Insurance in a Few Minutes!" 》

According to the different objects of protection, insurance can be divided into property insurance, life insurance, liability insurance, and credit insurance. Property insurance insures, life insurance insured, liability insurance insures legal liability, and credit insurance insures fulfillment responsibilities. What most families need is property insurance and life insurance.

There are three types of life insurance, life insurance, health insurance, and accident insurance. Life insurance addresses life and death, health insurance addresses illness, and accident insurance addresses risk. In the case of life insurance, the functions of life insurance include asset divestiture, asset transfer, and asset inheritance.

For different groups of people, the combination of buying insurance is also different. At the same time, the effective time of purchasing different types of insurance is also different, what are the differences? Click here: How long does it take for the insurance to take effect? What is the difference between the different types of insurance?

First of all, before buying insurance, more or lessLearn about the key points of insurance, if you understand it, you won't be led by the nose!

1.First protect the adults, then protect the old and the young.

Parents are often the core of a family, and the old and the young are an important pillar of the family, so we must remember that there should be no children dressed in gorgeous clothes and adults running crazy naked, and priority should be given to the family economic pillar to buy insurance. After protecting the adults, if the economy allows, you can buy some suitable insurance for the old and young. So how should a family choose an insurance policy?

Don't scratch your head, it's all thought of here for everyone, and everyone has oneHow to buy insurance for different age groups? Everyone should have their own plan

2.Priority is given to the type of insurance.

Insurance insurance, of course, to put protection first, although there are many good financial insurance on the market, but first protection and then financial management, there is nothing wrong with it. At present, there are four main types of protection insurance: critical illness insurance, accident insurance, medical insurance, and life insurance. But there are so many types, which one should you buy first?

This is generally based on the individual's age, income, family, health and other conditions before making judgments and choices.

3.Choose an insurance company for a comprehensive comparison before doing so.

Insurance products emerge in an endless stream, and insurance companies will have new faces from time to time, thenWhen you want to buy insurance, should you choose a large company or a small company? After choosing a certain type of insurance, you can compare the cost-effectiveness of each insurance company (including protection liability, compensation rules, etc.) and the compensation efficiency, solvency and operation of each company in recent years. After a comprehensive comparison, you can choose whether to buy insurance in a large or small company according to your personal considerations.

1. What is insurance? There is one thing we need to know before we buy insurance, and that is what insurance is. In addition to insurance can bring us protection, it is also a kind of consumption, as a kind of financial products, some insurance can bring us protection, and some insurance can bring us income, but the most fundamental purpose of insurance is protection.

If the risk comes, if there is no insurance protection, selling assets and asking relatives and friends for help is our only choice, but if there is insurance, not only can there be a high amount of insurance protection, family life will not go to the predicament. The protection provided by insurance to us is intangible, and when we buy insurance, it is also the beginning of the transfer of risk, insurance is a kind of protection, and it is also a consumption that we need in life.

2. How to buy insurance as a consumer product and can provide protection at the same time, the leverage function is also its most significant feature, we should also make clever use of this function when purchasing insurance, to achieve a high leverage effect of low premium and high protection, so we should choose according to our own situation when buying insurance, such as age, work, health status and economic status, general consumer insurance is a very good choice, low premium can also include high protection and high insurance amount, although the protection period is shorter, However, it can be changed and adjusted at any time according to its own needs. If the economic situation is stable and the income is good, on the basis of consumer products, you can supplement protection products, such as whole life insurance, to add strong protection to life; Annuity insurance brings an increase in value to assets.

Regarding the order of purchasing products, we can decide according to the size of the risk, and in general, priority is given to supplemental health protection: such as critical illness insurance, family protection: such as accident insurance, life insurance; and medical coverage:

Such as hospitalization medical insurance. Subsequently, according to the economic situation, the children's education security can be supplemented: such as education funds, or personal pension security

Such as commercial pension security. In the case of perfect basic protection, you can finally purchase investment and wealth management insurance. At the same time, we should also pay attention to the fact that when carrying out family security allocation, adults first and then children are the best criteria for family insurance, adults are the protection of children, and the improvement of family security can make better care for family members.