Seek advice on buying insurance! Want to buy some insurance in case of the future, who can help reco

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, we should consider health insurance. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase it), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Universal insurance, including the universal insurance of all insurance companies, is divided into two parts: regular payment and retroactive payment, and there is a certain percentage of rewards for the retroactive part, which are all lifelong payments, and there is no 3 years or 10 years.

Let's talk more about universal insurance, universal insurance is hyped up in various **, is universal insurance really universal? Is it really the same as it says? Does it mean that the insurance premium is flexible, and it can be paid for three or five years, but there is no such thing as insurance, why?

In other words, if the payment is flexible, it is not insurance, but should be called saving money, to the bank survival period, want to save it, don't save if you want to, save for three years if you want to, save for five years if you want to save for five years, this is called flexibility. As you know, there is no such thing as a free lunch.

I also heard that you can receive freedom, for 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 I bear. The receipt of insurance is completely different from that of the bank.

Universal insurance, if you have a lot of money, you can consider it; If not, be cautious, or you'll end up saying "insurance is a lie".

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

Hello. Don't consider Ping An's universal insurance, it's very troublesome to explain.

This is a very good savings investment and wealth management insurance.

1. Ensure the safety of the principal, return the principal before your death, from the age of 61, return your principal, and add 8% interest. In other words, the principal is yours forever, just swapping the money in the bank for the insurance company.

The contract provided for a refund of 18 per cent of the premiums paid every five years during the period when the insured person was 61 86 years old, for a total of 108 per cent.

2. Guaranteed fixed income, the contract stipulates that from the effective date of the policy, 18% of the sum insured will be returned every two years until life. Regardless of the operating performance of the insurance company, this part of the income will not be affected. (I will continue to receive money after the principal is returned!!

3. Participate in the dividend distribution of the insurance company every year, as long as the insurance company is profitable, there will be dividend distribution. (The data shows that the dividend distribution of our company in the past 5 years is not less than 5%, even in the environment of the financial tsunami in 08, our company still distributes an additional special dividend of 100 million on the basis of the original dividend to give back to customers.) ）

The Insurance Act stipulates that 70% of an insurance company's profits must be distributed to customers.

4. If the fixed payment and dividends are not received, the insurance company will deposit them in your policy account, and the annual compound interest will accumulate interest, and the long-term benefits are very considerable.

5. At the same time, you also enjoy a number of rights and interests such as policy loans, and you still enjoy all insurance benefits during the policy pledge loan.

6. In addition, this insurance can also be supplemented with critical illness protection and accidental injury protection, so as to make the protection of this insurance more comprehensive.

As one of the three "national prefix" life insurance companies, Pacific Life Insurance has stable operation, excellent performance, strength and reputation are worthy of your trust, and many of our company's guarantees are also in a leading position in the industry, with comprehensive protection, excellent terms, low rates and high return on investment.

Our company's latest honors: won the honorary title of "2008 Beijing Insurance Industry Top 10 Annual Comprehensive Strength", and ranked first!

The so-called financial management refers to the pursuit of long-term and stable income. It's not like investing, it's not about speculation.

As a young person, now the main consideration is accident medical treatment + critical illness insurance + term life insurance, accident medical and critical illness insurance can provide a comprehensive accident medical treatment, critical illness expenses. Term life insurance can provide a higher level of death protection. Buy this insurance at your current age.

The rates are lower.

As for the dividend-type investment, you can buy it according to your income, which is also considered after considering the previous one. I suggest that if you are asked to buy participating insurance, it is better for you to buy an investment-linked insurance. It is equivalent to buying a **, and at the same time having a great death protection, which is very good.

If you stick to long-term investment, the return will be very good.

Buying insurance is to avoid risks and maintain and increase the value of the currency. Your situation is suitable for buying an accident insurance, and you can consider critical illness and pension issues after you work. Accident insurance companies are similar, in terms of health, we can recommend New China Life's Health Fortune Star Incremental Whole Life Critical Illness Insurance.

This product is referred to as 3133, which means that your health account grows by 3% per year, and your worth account is 1%. 33 major diseases. In addition, the new auspicious star Gaozhao is also a good type of insurance.

It is still recommended that you listen and read more, and you can ask them to make a proposal, and you can compare it carefully before deciding. Insurance is a lifelong investment, and it must be cautious, but it must be had. Good luck.

You don't have a job and no income**, so you choose a consumer-oriented product. Buy an accident, add a critical illness, and wait for work to work, and then buy a term life insurance. Don't think about investing, you don't have money now, what to invest in.

Don't buy the dividend products you see, that's not called investment, the dividends are not ***, what do you do when you buy it, and once you put your money into it, it is better for you to invest it yourself. You can consider universal insurance, but only if you use your own money, your parents' will be exempted.

You don't have a job yet, so it is not recommended to buy Ping An Universal Zhiying Life, and you don't need to buy Life, if you value this aspect of protection, buy a safe self-service card, low payment, high protection, and directly contact the Ping An group insurance department, the self-service card is good, really, other insurance, basically all virtual insurance, only for a 1-year-old child born to buy is the best.

There are dozens of self-service cards, more than 100, and 200 are all very good.

Your mother's purpose in buying you insurance is nothing more than two: 1. Buy you a healthy and safe one. 2. Plan for your future (save a sum of money).

The functions of insurance are nothing more than so many, such as pension, medical care, accident insurance, critical illness insurance, insurance with both protection (the protection function is very small) and financial management. I suggest that you choose according to your own needs, and don't be blindly fooled by some people.

Insurance is to protect the unknown risks in the future, the order of buying insurance is to consider the accident first, then consider health, and then consider pension financial management. 100 yuan a year to cover 100,000 yuan, 150,000 yuan for disability, 5,000 yuan for accidental hospitalization and 30 yuan per day for hospitalization subsidy --- Yinghua card of Sino-British Life Insurance.

Since it is to buy insurance, of course, the focus is on protection rather than investment. The order of buying insurance should be accident, critical illness, pension, and investment.

So, judging from the information you provided, I think China Life is more suitable.

Buy critical illness protection with dividends (the sum insured increases year by year, and the dividends increase year by year). However, Taiping Life Insurance Company stopped selling this product, and bought a pension insurance with a thousand gold dividends.

Ping An Xinxiang Insurance (Participating).

Company: Ping An Life Insurance Co., Ltd. of China****.

Insurance Type: Investment Dividends.

Issue age: 28 days - 60 years old healthy person.

Payment period: 5 years, 10 years, 20 years.

Duration of insurance: 20 years, 30 years, to 55 years to 60 years.

Ping An people do planning and planning life, which is the answer to the phrase "talent in peace"! A single type of insurance cannot meet the risk of a person's life!

Insurance is a very complex product, and to buy a product that suits your current needs, you need to do a few things to prepare.

1.Knowledge of the four basic insurance products.

We don't need to figure it all out, but we also need to understand what each type of insurance covers, what it doesn't cover, and how much insurance is appropriate? Buy fixed-term or lifelong, how to calculate the premium budget, abnormal items of physical health indicators, etc.

The four basic insurance policies include critical illness insurance, medical insurance, accident insurance and life insurance. What do you need to understand what is the difference between them and why should you buy them? What risk I want to address.

I have summarized all these ordinary basic knowledge, and I have answered all the questions that I am concerned about, so I will not go into detail here. If you are just interested, again.

To put it simply.

Critical illness insurance, which compensates for loss of income, is a health risk.

Medical insurance is very important to solve large medical expenses and pay attention to whether the renewal can be guaranteed.

Accident insurance, tomorrow and accident, no one knows which comes first, is the best explanation of accidents, and it has something to do with the profession we are engaged in.

Life insurance, the embodiment of love and responsibility, who needs it? The breadwinner of the family must be purchased.

2.Find an insurance person or broker who is responsible for you.

Professional things are still left to professional people to do. If you explore it yourself, it will take a lot of time, and it is difficult to grasp some insurance "pits" by yourself.

Your concept is good, just to prevent what? Only when you understand your clear needs can you make targeted recommendations.

At the age of 34, there is an old age and a young age, and having an insurance need is to experience your responsibility to the family!

First of all, it is a must-have accident insurance for everyone, with premiums, low premiums for everyone to buy, and you can be reimbursed if you accidentally fall into it.

The second is critical illness insurance, which now has mild, moderate and severe symptoms, and can be paid repeatedly. Each company's critical illness classification and compensation standards are different, but they can also be customized. Hope mine can help you!

For a big injury, right?

Illness is critical illness + medical treatment.

Injuries are accidents + medical treatment.

So yes. Critical Illness + Medical + Accident.

Then it depends on your own financial resources, how much coverage you can afford, and how much coverage you can afford.

If the income is particularly high, you don't care about the hundreds of thousands of dollars for serious illness.

You can buy a combination of life insurance + high-end medical care.

After the insurance policy is issued, it will be delivered to you. If you are not satisfied with the policy in any way, do not sign the policy receipt. At the same time, you can assert your rights and interests and ask for the cancellation of the order, so that your rights can be maintained.

If the policy is cancelled within 10 days after the policy is signed, only the cost of the policy will be charged at $10. After ten days, your financial losses will be great. So, if you don't sign for it, it won't be much of a problem.

Learn the lesson of this time, buy insurance must first understand the terms and conditions, and when you are really clear, choose the right type of insurance in need, and then buy it.

Good luck.

Hello, the insurance consultant you are referring to is the insurance salesman who serves you as a customer, she will regularly notify you to pay premiums and bring you greetings during the Chinese New Year. If it's convenient for you to go to the insurance company and contact the head of the department to talk about this problem, you can do it.

I saw that you mentioned above that you have a trusted insurance advisor, and you can also contact him and ask him to handle it for you.

You can't change it, see if you can explain the situation to the company and change the ** person. It's not cost-effective to surrender the policy. Do you have a plan and what kind of insurance is there? Send it to me and I'll take a look at it for you.

In fact, you are very good, you can call ** to their company to complain.

Insurance companies do not allow customers to change their ** people at will!

If you feel that there is a problem in the after-sales service, you can report it to the customer service in time!

However, the salesman's misleading and deceptive behavior has violated industry regulations!