Is it okay to buy Ping An universal insurance at the age of 40 this year?

I belong to Sino-US International, which was jointly established by the two major insurance giants of Chinese People's Insurance Group PICC and AIG, and is now the best major insurance company products, (Ping An, Life Insurance, PICC Life, Sunshine, Taikang, Huaxia, Great Wall, Life Life, Zhongyi, Sino-British, Sino-Dutch, Pacific, Haikang Life, Sino-German Allianz, Meiya Property Insurance, PICC Property Insurance...).More than 30 large insurance companies, more than 300 cost-effective preferred products, a strong comprehensive financial insurance supermarket, car insurance, property insurance, group insurance, enterprise annuity, enterprise supplementary medical care, accident insurance, health insurance, pension insurance, education funds, outpatient medical care, inpatient medical care, domestic and foreign travel insurance, high-end medical care, can objectively, fairly, professionally, reasonably stand in the customer's perspective for you to analyze the advantages and disadvantages of major companies' products, take you to shop around, so that you do not spend money in vain, to provide you with reasonable, professional, The perfect customized family comprehensive protection plan service provides you with a truly affordable solution, so that you can rest assured! A trust, a lifelong friend! Escort the happy life of your whole family!

Yes, you can apply for insurance if you are in good health.

You can also consider Centennial Life Whole Life Critical Illness Insurance, which offers low premiums and comprehensive coverage.

Ping An's universal insurance has been upgraded and can be bought. It's called Zhiyue Life.

Universal insurance is paid for life, deducted for life, the older you get, the more you will be deducted, do you understand this before you consider buying?

You can buy New China Life Insurance for health and worry-free, with low payment and high protection, covering 75 types of critical illnesses.

Ping An insurance, low premium, comprehensive protection!

Hello, you can learn about Taikang Life's universal insurance.

You can learn more about several insurance companies.

Why don't you consider the universal insurance of the Pacific?

It's always good to know more about a few insurance companies.

It's really good to know what works for you.

Yes, we can talk to each other.

At this time, it has reached the critical point of buying commercial insurance, and after the age of 40, you can still buy commercial insurance, but the expenditure of premiums is more stressful, and the protection obtained is relatively thinner.

This is very realistic, insurance should be bought early, time should be very important, there is still time, you can use time to dilute the cost.

Moreover, if you buy insurance early, the rate of late underwriting is high. As the age increases, the requirements and restrictions of insurance companies for customers will also increase.

There is too little specific information to understand anything else and not to analyze anything.

All things considered, it is recommended to pay attention to critical illnesses and accidents, followed by medical care and pension.

How to choose, but also depends on the customer's economic ability, seeking the whole and the big in one step, the most undesirable.

It is recommended to choose universal insurance, the pressure on premium expenditure will be less, and within a certain range, you can get a more satisfactory sum insured.

How to plan, it is recommended to discuss with ** people to make more friends Biliu, this problem is very realistic, on the Internet, it is impossible to find a feasible way.

Clarify the needs, based on the guarantee of buried luggage, and do what you can. is the key.

Best wishes! Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello! When buying insurance for 40-year-olds, they need to choose the right type of insurance according to their actual protection needs, economic status and other factors, and the one that suits them is the best. Generally speaking, accident insurance, health insurance, and life insurance are all suitable products. Here's how:

1. Accident risks are everywhere, 40-year-old people are generally in the stage of "old and young", once out of danger, it is a heavy blow to themselves and their families, and it will cause a definite economic burden. To do this, you need to buy the right accident insurance to hedge against risks. If you frequently travel by various means of transport, you should choose a comprehensive accident insurance; If you are the breadwinner of your family, the sum insured should be set at about 10 times your annual income.

2. Disease has become a major killer of human beings, 40 years old belongs to the stage of struggle, and it is more likely to suffer from diseases due to stress, irregular work and rest, etc., so it is necessary to buy a health insurance. If the economic conditions are good, you can buy returnable health insurance; If you have average economic conditions, you can buy consumer-based health insurance, focusing on critical illness protection and hospitalization allowance. 3. If accident and health protection have been perfected, people at the age of 40 still need to buy a suitable life insurance, which can help you achieve wealth appreciation and is also a reflection of the person in charge of your family.

Accident insurance, health insurance, and life insurance are all good choices that are more suitable for people in their 40s. There are many types of insurance suitable for 40-year-olds, and you can come and apply for it, which is convenient and can get more than 15% off the premium. Auspicious Year Comprehensive Accident Insurance Coverage:

Accidental Injury 100,000 Yuan * Passenger Transportation Passenger Accidental Injury Aircraft 500,000 Yuan * Accidental Medical Insurance Benefits, Including Accidental Hospitalization Allowance as Low as: 100 Yuan Hezhong Regular Critical Illness Coverage Content: * Up to 300,000 Critical Illness Cancer Benefit Potato Regret Blind * Death Immediate Payment of 300,000 Yuan Insurance Benefit * Total Disability Waiver, Protection is More Secure Minimum Monthly Cost:

20 yuan Taiping Guardian Lifetime Annuity Insurance Coverage Content: * Flexible payment, lifelong pension * annual payment, 80 birthday * return of death, wealth inheritance, full return of the insurance premium paid on death The minimum monthly spending: 164 yuan.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

At the age of 44, the starting point of payment is recommended to be more than 6,000 yuan, and the payment period is best more than 15 years. It is more suitable to set it to the basic sum insured.

Suitable, universal insurance is protection and investment two accounts, one for protection, including death, critical illness, accident and other protection, the other account as an investment account, and there is a guaranteed interest rate!!

Please feel free to contact me if you need it!!

Shenzhen Ping'an!!

Buying universal insurance depends on how much premium you pay each year.

What is the sum insured.

There is no so-called suitable or inappropriate insurance, but everyone's needs are different, depending on what you want to do with this money, want to protect, or want to manage money, or want to retire, according to personal needs to calculate the plan off can give me a ** 4885854

4 years old, this is more suitable, and the starting point of payment is recommended to be more than 6,000 yuan. Set it as the basic sum insured, and the payment period should preferably be more than 15 years.

Want to buy universal insurance, but don't know the right one?

Answer: Universal insurance payment for life, deduction for life, annual cost deduction are all **! It will take about 10 years to repay the principal! Also note:

1. This type of product is not suitable for people over 50 years old.

2. Everything is based on the contract, and the guaranteed interest rate cannot be lower than the bank interest rate 3. The company should have a long-term and stable income, and the investment income can not be high or low 4. The annual premium should be in line with their financial ability and controlled at 10-15% of the annual income 5. The controllability of universal insurance is very poor and the cost is extremely high, so it is recommended that the payment age is more than 10 years 6. The best buyer group is a person with generous financial ability, a younger person, and a certain investment risk tolerance, commonly known as "rich people".

A 32-year-old person is the backbone of the family, not only to support the family, but also to bear the heavy pressure of car loans and mortgages, and the pressure from work is also very large, any risk may bring a crisis, so for people of this age, it is imperative to buy insurance to share the pressure.

So how do people at this age configure insurance for themselves? The recommendations are as follows:Critical illness insurance + medical insurance + accident insurance + term life insurance

1.Critical illness insurance

Nowadays, critical illness is no longer exclusive to the elderly, and the risk of critical illness for 32-year-olds is much higher than in the past. What's more, many serious illnesses have a long cycle, and the later expenses and lost work due to illness are also indispensable. Therefore, it is necessary to configure critical illness insurance.

There are many good and bad critical illness insurance products on the market, and it is not easy to choose the right one, so I have compiled some cost-effective critical illness insurance products, which are worth a look:Designed for 32 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020!

2.Medical insurance

3.Accident insurance

You never know which will come first, the accident or tomorrow, and although this is a phrase that is about to be said rotten, we cannot deny its truth. Accident insurance is a type of insurance suitable for men, women and children, not to mention that accident insurance is very cheap. People at this age do not allow themselves to make any mistakes, and once an accident occurs, they will not be able to continue the responsibility of raising the family.

Therefore, accident insurance must be configured.

4.Term life insurance

At this age, you not only have to bear the living expenses of your family, but also have to repay a high car loan and housing loan, and after configuring health insurance, death protection is also very important. In the unfortunate event of death, it will be a heavy blow to both parents and wife and children, and life insurance can partially assume your responsibility for taking care of your family, leaving a minimum of financial compensation to protect your family's life.

1.To put it simply, universal insurance is like a guaranteed deposit.

2.Access to two pence, convenient financial management.

3.The investment is guaranteed, and both generations benefit from it.

4.Education fund plus pension, one policy covers two generations; Entrepreneurship gold plus New Year's gold, the old and young benefit together.

5.The quota is customized, and it changes from time to time; Read friends safely, and there will be prizes for renewing the handover.

First of all, it depends on your financial conditions, if you allow, you can, very much, quite well.

Hello! It's a pleasure to be able to serve you! Ping An's universal insurance has flexible payment and optional insurance amount, which can meet the different needs of different ages, and can be treated if you are sick or old-age if you are not sick. As for whether it is suitable or not, it depends on your actual situation, you have provided too little information, I can't give you better advice, I don't know what your career and annual income is?

Is there social security?Designing a reasonable plan requires you to provide more detailed information, and it is recommended that you complete the information before planningYou can refer to my case, you are welcome to consult me at any time, I wish you and your family a safe life, good health, and smooth work!References:

Case] 500 yuan per month can solve 200,000 yuan of emergency money (including accidents, critical illness, medical treatment and hospitalization) [Case] Ping An Zhiying Life + Century Happiness Card (product portfolio makes the protection more comprehensive).

Hello! Your idea is very good, your thinking is clear, it doesn't matter what kind of insurance product you buy for yourself, what matters is whether the insurance can solve your life problems (paying premiums is not a problem, but solving the problem, and the problem of not buying insurance still exists.) This is what you want to focus on, (buying insurance is not how to buy, but why to buy) Each product of each company has its own advantages and focus, so you must be clear about what your protection is when you buy insurance

What are the requirements?Then choose the product according to your needs, It is recommended that you contact the best people, fully communicate, sort out your thoughts, and then choose the product is much easier, may peace and happiness and you and your family accompany you for a lifetime.

It's the right age group.

I am 32 years old this year, suitable for buying universal insurance of Ping An Insurance Company Friend, hello do you have social security, on the basis of social security to purchase commercial insurance, for the social security to effectively supplement. To apply for universal insurance, you need to consider the initial cost deduction of the annual premium and the deduction of the protection cost. This is a hot issue when it comes to universal insurance.

After deducting the aforesaid fees and costs, the premium will be entered into the wealth management account, and the funds in the wealth management account will be compounded with interest every month. The income is subject to the data released by the insurance company, and the income varies from month to month. As the cycle of interest rate hikes arrives, yields have an upward trend.

On the basis of universal insurance, the protection is complete by insuring accident insurance, medical insurance, and additional critical illness insurance. The principle of maximizing the benefits of universal insurance is a combination of annual premiums and top-up premiums. For the accumulation of pensions.

References: [Case] 24-year-old doctor (Health Treasure Universal Critical Illness Insurance) [Blog] PICC Health Health Treasure Universal Nursing Insurance Analysis [Blog] PICC Health Short-term Medical Insurance, Reduce Customer Burden, Increase Protection Period [Blog] PICC Health Accident Card Slip.

Hello!1. Buying insurance is buying protection!2. Before choosing insurance, please budget for the premium!

It is generally recommended to be 10-15% of the annual income! 3. Ping An's universal insurance, such as Zhiying Life Universal Insurance, is a cost-effective product! It has its own characteristics!

It can solve life, critical illness, accident and other protection for customers! At the same time, it can also suit its own customer base! It's not one-size-fits-all!

4. Because your situation is unknown, you can't determine the product according to your situation! It is recommended that you complete your personal information and protection needs first! Or talk to the relevant salesman in detail to determine what type of insurance is suitable for you!

Hello! Buying insurance is buying safety! A brief introduction to universal insurance:

Universal insurance has many advantages such as protection and financial management functions, flexible payment, adjustable sum insured, convenient receipt of policy account value, compound interest income, transparent and open assets, etc., which allows customers to have the flexibility of independent choice in both protection planning and financial planning, taking into account the dual needs of customers who need lifelong protection and pay attention to investment income. Everyone upstairs has said a lot, but there is only one practical conclusion: this product is perfect for you!

If you need help, you can contact me directly or ask your local authority.