Dad is 43 this year, what insurance should I buy, ask the master for an answer, say more details, th

First of all, accident insurance, followed by sickness insurance, and then pension and dividend insurance.

Generally speaking, the cost of insurance premiums should not affect the current quality of life as well.

In general, it is advisable to pay more than 20% of the annual income of the annual insurance premium. For general economic conditions, 15% is more appropriate. If the conditions are affluent, 20% can be considered.

Accident insurance is a one-year short-term insurance with relatively low premiums. The sum insured of 100,000 yuan is only a few hundred yuan [related to age and occupation].

It's a late time to buy sickness insurance at this age. However, it can also be purchased. After the age of 50, half of them cannot purchase sickness insurance.

Participating pension insurance is best paid before the age of 60.

As for the premium, the same insurance is related to the age and nature of the work of the policyholder and the insured.

Hello. In terms of age, what should be valued in your 40s:

The first is accident and accidental medical treatment. There are old and young, which are the pillars of the top. Accident protection should be adequate.

The second is critical illness insurance. Serious illnesses are not divided between old and young, and it is better to have serious illnesses guaranteed.

The third is hospitalization reimbursement, and hospitalization allowance. This is a good complement to social security medical care. If you don't have social security, you have to do it.

The fourth is pension, there are still 10 years to retire normally, and it is time to do pension insurance.

Fifth, if you have spare money, you can do some investment-type insurance.

How much money to pay, different types of insurance, the amount is also different, to be specific. Usually don't exceed 10-20% of your annual income.

If you're in Beijing, I can help you.

In their 40s, they buy medical insurance and pension insurance. Then buy an accident (because accident insurance can be bought before the age of 65) The other two restrictions are relatively early, and it seems to be 55 years old.

The first is accident insurance, followed by medical insurance and pension insurance.

For 54-year-old people, it is not easy to buy health insurance, because the first factor of applying for health insurance is to meet the age range of the product, followed by the health notification of the product, and finally to see whether there is a premium inversion (critical illness insurance), if the above parents can pass, you can apply for critical illness insurance, medical insurance, etc., otherwise, it is recommended to buy cancer insurance, cancer medical insurance, etc.

If you have a small partner who needs to insure your parents in the near future, you can take a look at this article:

What are the insurances for the elderly, and what insurance is good for your parents, you all need to know.

Next, the senior sister will focus on introducing the three types of insurance: critical illness insurance, million medical insurance and cancer insurance.

1.Critical illness insurance.

Critical illness insurance is an insurance used to protect critical illnesses and is a fixed-amount benefit insurance, but critical illness insurance has relatively strict requirements for the insured person's insurance age.

At present, the maximum age of most critical illness insurance products on the market is 55 years old, and some critical illness insurance products can reach 60 years old.

And if the parents are older and want to take out critical illness insurance, it is easy to have the situation of inverted premiums (premium insured), in this case, in fact, the senior sister suggests that it will be more appropriate for everyone to insure cancer insurance for their parents.

So what kind of critical illness insurance is worth taking out for parents? The senior sister article tells you:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

2.Million Medical Insurance.

Million Medical Insurance will reimburse the insured for medical expenses incurred by hospitalization due to illness** during the insurance period, as long as it meets the coverage of Million Medical Insurance and exceeds the deductible.

However, medical insurance is the most stringent type of health insurance in health insurance, and many parents will be denied insurance because of physical health problems, but if the parents are in good health and have no serious diseases, they can still apply for insurance.

3.Cancer insurance.

Although most of the cancer insurance on the market is mainly to protect malignant tumors and death, the insurance threshold for cancer insurance for the elderly is not as high as the previous two, and the maximum insurance age of some cancer insurance products can be relaxed to 70 years old, and even some products can be up to 80 years old, which is still very suitable for parents to insure!

Ten insurance points that are super suitable for the elderly to buy!

At the age of 54, I don't recommend buying health insurance, because buying health insurance at this age is very uneconomical, for example, spending 100,000 yuan, you may only be able to insure 110,000 or 120,000 yuan, which is not effective.

Therefore, at the age of your parents, I suggest that you buy for them: first, accident insurance, it is inevitable to worry about bumps and bumps when you are old; Second, financial pension insurance, in view of the age of your parents, simple pension insurance can no longer be purchased, you can only consider using financial management, savings pension insurance to provide pension support for your parents in the future. I need to know the specific situation of your parents before I can say, if necessary, you can consult me in detail.

Hello customer, I am Wan Shaoren, customer service specialist of Fude Life Insurance, **I recommend that your parents apply for Fude Life Health and Worry-free, because it has a wide range of insurance ages, up to 65 years old can be bought, and the coverage covers 81 categories of critical illnesses and 61 categories of mild diseases, which is relatively low in premiums.

Hello, I am Taikang Life Insurance, as a child, you have this filial piety is very good, and the insurance rate is relatively high when you are old. I Jianyi bought Taikang's elderly cancer insurance premiums of 1000---1300

It is best to consider the type of participating insurance when buying insurance over 50 years old, and Ping An can enjoy the dividends of the insurance company, and the insured amount of the insurance payment will be added to the dividend, and the value will increase, reflecting the price of life.

Let's buy Kokusufu! 80 Critical Illnesses+

There are 20 mild diseases, and couples are exempt from buying each other. It's worth buying! Guangxi Hezhou Consulting.

Hello, a 54-year-old critical illness can consider cancer insurance, thinking that it depends on how much coverage you want.

Hello, first of all, you are a filial child, your parents are really happy to have you, you can buy critical illness insurance for your parents, because the age is here, the premium may be a bit high.

As you age, health should come first.

You should exercise more, eat reasonably, and have a regular schedule and rest.

Under the premise of having social security and NCMS, if the physical condition allows, we will focus on planning hospitalization medical treatment, accident and aggravated illness protection.

Pacific Silver Health Insurance is a cancer insurance plan designed specifically for the elderly.

Ping An has a Thanksgiving blessing suitable for 50 to 70-year-olds, and the premium is also acceptable.

Accident insurance and cancer protection can be considered.

When you are older, buy cancer insurance.

Hello, accidental aggravation of illness... Lanzhou.

To the bottom of the premium, but also to be high, after-sales service to be in place, according to your needs to make a plan.

My mother is 43 years old this year, and it is better to buy a basic pension insurance for the Social Raid Association. Pension insurance has been paid for 15 years, female.

The retirement age is 55 years old at the latest, that is, after reaching the statutory retirement age, you can get a pension by extending the payment for 2 years after retirement, and if you have a job at the age of 43, you only need to pay 8% for individuals and 20% for enterprises.

The basic endowment insurance premium shall be jointly paid by the enterprise and the insured according to different contribution ratios. Take the proportion of pension insurance contributions in Beijing as an example: enterprises pay 20% of their total payment base every month, and employees pay 8% of their wages.

The statutory retirement age for employees in enterprises in China is: 60 years old for male employees; 55 years old female employee engaged in management and scientific research; Female employees engaged in production and work support work are 50 years old, and women who are freelancers and self-employed businesses are at least 55 years old.

Ping An Company's Xinxiang Xinli can have the function of providing for the elderly As for serious illness, add a hospitalization day, and critical illness is OK.

Participating insurance can be used, such as double happiness, etc.

The 43-year-old father is suitable to buy million-dollar medical insurance, critical illness insurance, and accident insurance, and whether to buy life insurance or not depends on the situation.

Million medical insurance can be used as a supplement to medical insurance, critical illness travel insurance is a sock stool insurance that specifically protects critical illness, and accident insurance can provide accidental injury protection.

If the father is still the main financial responsibility in the family, buy it; Otherwise, there is less need to buy.

If you want to have a comprehensive understanding of these types of insurance, you can read this popular science: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

Hello: In terms of commercial insurance, I would like to make a general explanation: 1. This age group can focus on accident insurance.

Because accident insurance has the characteristics of low premiums and high personal protection, the insurance rate before the age of 65 is mostly the same as that of young people, and the first choice is accident insurance and accident medical insurance. 2. As for the protection and medical treatment of serious diseases, it is recommended to improve the urban medical insurance or the New Rural Cooperative Medical System, and the cost of commercial insurance is higher, and the specific amount of insurance is analyzed in detail. 3. As a child, you should strengthen your protection, and your continuous earning ability is the best guarantee for parents.

A health insurance plan for the filial piety of parents.

Hello, parents who are over 40 years old and enter middle age will face some disease risks. This is also a good time to buy insurance, because if you are later, you may not be able to buy the corresponding insurance due to physical problems.

Suitable insurance plans include medical insurance and critical illness insurance. At present, there is a medical insurance with 0 deductible and 100% reimbursement on the market, which can fully reimburse medical expenses, which is a good choice.

Critical illness insurance can make a lump sum payment in the event of a critical illness. At present, there are more than 80 to 100 types of critical illness insurance products in the market. In addition, the critical illness insurance on the market can pay multiple insurance benefits according to different serious diseases, and some critical illness insurance can pay insurance benefits for minor illnesses (such as carcinoma-in-situ), and can pay a lump sum cash in case of sudden illness to solve various sudden expenses.

jimmy@ Minya Insurance Brokers.

First of all, it means that you are very filial, and you also value the function of insurance, your parents are 43, you should first buy serious illness insurance, after the age of 45, the physical examination, the requirements are very strict, the sooner you buy, the better, and then buy accident insurance, plus hospitalization. You can take a look at this product portfolio with an annual payment of 5000, which is particularly good, and I hope it can help you refer to: the annual premium of 5000 yuan to build a family basic insurance.

Hello: 43-year-old people, the most important thing is health and accident protection, although the price of buying health insurance alone is a bit high, but it is better to buy it than not to buy it! At the very least, the premium is paid year by year to diversify the risk!

At the same time, it is recommended that you go through a combination of whole life insurance with critical illness, which has both critical illness or surgical protection in the early stage, and dividends increase every year, and the protection in the later stage rises all boats, which is also a kind of accumulation, and can also be realized to supplement the pension after decades, and at the same time cover the protection of accident and life insurance, and the money will return sooner or later! Xinhua's "Fu Shou Ankang" can be referred to as a policy for health, dividends, life insurance, accidents, and later realization. Accident insurance is very cheap a year, and 100 yuan can solve 100,000 yuan of accidental injury and accidental medical protection!

"The advantages of Xinhua products, the amount of insurance will grow, and the income will grow, which can effectively cope with the medical expenses and the pressure of inflation on your funds. Specifically, you can design a plan suitable for you according to your protection needs, and at the same time, insurance is a matter of paying for decades and protecting a lifetime, and you need a rational and professional person to analyze it for you! Follow-up after-sales is also very important!

It also depends on your ability to pay, and you generally choose a long-term one. Up to 20% of a family's annual income goes to insurance, and any more can be stressful.

If you are 43 years old, you can apply for some types of insurance with relatively high protection, medical insurance must be added, and critical illnesses must also be added, and middle-aged people are prone to critical illnesses.

Choose some insurance companies with big brands.

Hello, parents are older and should naturally consider their health protection first, with the increase in age, the probability of major illness is increasing, my company outwitted life universal comprehensive insurance set investment and protection as a whole, taking into account death protection, critical illness protection, accident protection, accident medical protection good insurance, according to the risk adjustment of different stages of life The amount of insurance, my insurance I decide, the cumulative premium paid in the first 5 years, 5% of the premium paid during the incentive period Cumulative premium payment for the first 10 years, 10% of the premium paid during the incentive period, 30% of the premium paid during the incentive period is 6,000 yuan, and the payment period is 20 years, with a total of 120,000 yuan1Protection Account: After the policy becomes effective:

Have a minimum of 200,000 yuan of death critical illness benefit before the age of 60, adjusted to 100,000 yuan after the age of 60 The policy takes effect until the age of 65: 100,000 yuan of accidental injury protection and 20,000 yuan of accidental injury medical reimbursement2Wealth Management Account:

Through Ping An expert financial management, you can receive it at the time of retirement (calculated according to the middle of the gold proposal) at the age of 60: 10,000 yuan, which is equivalent to the times of the total investment, and can be received at the age of 70 at a time: 10,000 yuan, which is equivalent to the times of the total investment, and can be received at the age of 80

10,000 yuan, which is equivalent to 1 times of the total investmentThe annual premium of this plan is 6,000 yuan, which is completed in 20 years, with a cumulative payment of 120,000If you pay the premium for the first 4 years on time, the company will reward you with 300 yuan when you pay the premium for 5 years in total. When you pay the premium for 10 years, the company will reward you with $600; When you have paid for 20 years, the company will reward 1800 yuan3

The basic sum insured for critical illness in death of this plan is $200,000, which is adjusted to $100,000 after the age of 60.4In the event of the death of the insured person due to critical illness, we will pay the insurance benefit at the greater of 105 times the current value of the basic sum assured, and when you need funds, you can partially receive the account value, we do not charge any fees, we hope it will help you. Reference:

Ping An outsmarts life health and happiness plan.