Is it appropriate for a 20 year old healthy young girl to buy Chinese Life Guoshou Hongkang A insura

Hongkang is China Life's telemarketing insurance, right? Monthly deduction provides accident and critical illness protection for a limited period of time. It is recommended that you consider a longer-term protection plan, and insure yourself step by step with accident insurance, critical illness insurance, pension insurance, etc., and do not end the protection until the age of 40-50.

At that time, it was not easy to buy again.

Hello! Whether the product is suitable or not, the key is to see what kind of protection you need? Each product has a different focus.

Buying insurance is buying protection. There are three risks in a person's life, one is an accident, the second is a serious illness, and the third is living too long. We need to pay attention to these three risks at different age groups, but the focus is different.

It is very advantageous to buy any insurance at your age, and it is best to choose a long protection period because of the low premiums and high protection at a young age.

It's good to buy insurance, but be sure to choose the one that suits you best.

I recommend "Golden Life" whole life insurance for you.

Insurance liability: The coverage period is for life.

Provides coverage for 35 critical illnesses.

The value and critical illness benefit amount are compounded annually and no underwriting is required.

According to the pension plan, this product can be converted into an annuity.

Pledgeable loans for emergency needs.

In the event of a critical illness, the basic sum insured + accumulated dividend sum insured + care fund will be paid, and this contract will be terminated.

In the event of accidental death or total disability, the basic sum assured + accumulated dividend sum insured + care fund will be paid, and this contract will be terminated.

Need to create an insurance plan that's right for you, and I'd love to talk to you about it.

Hello! This product is guaranteed for 10 years and 20 years! Then when you are 40 years old, the insurance contract is terminated!

But at this time, it is even more necessary to be protected, you say? Buying insurance is mainly to buy protection, why not buy protection for a lifetime? It is recommended to choose an insurance plan with a longer coverage period!

23-year-old workplace newcomer serious illness protection plan 26-year-old health financial insurance plan.

Hello, it is a pleasure to serve you, insurance already belongs to the symbol of the healthy and wealthy! Because unhealthy people can't buy insurance, just as people with financial constraints are overwhelmed by the burden of paying commercial insurance; However, if the savings commercial insurance (except for consumption) is suitable or not, you must first consider your income and sudden expenses; Insurance planning and life planning are closely related;

Hello! Only think clearly about your insurance needs, and then see if your insurance is suitable for your needs, if it does not meet your needs, it is not suitable. It is recommended to add my QQ to communicate in detail.

Young Lady Ping An Comprehensive Protection Plan 27-year-old Lady Ping An Outsmart Life Universal Insurance Comprehensive.

Hello, whether the product is suitable or not depends on you personally, whether the purchase of this insurance is exactly what you want, and the purchase of a suitable insurance is indeed as good as yourself.

Hello! Whether the product is suitable or not, depends on what kind of protection you need, accidental? Serious illness? Pension? Investing and Managing Money? 20-year-old pension can be postponed.

Hello! Yes, this type of insurance is a wealth management type.

It is not cost-effective, and people want to protect the old age.

Hello! To see if a product is right for you, it depends on whether the insurance benefits it can provide meet your needs. I hope to communicate with you further and learn more about your details, I can help you make a detailed plan and recommend some products that are more suitable for you.

Hello Madam: First of all, it depends on what you tend towards. Choose the right product for you according to your needs. If you have any questions, please contact me and I will answer your questions.

It is recommended that you purchase universal insurance, OK

Hello, for your question, I can give you the answer.

First, Li Jiacheng is very rich, right? But he has more than 180 insurances, why do you want to protect him when you say he is so rich! The reason is simple, he values.

Second, how much interest can you get on your money in the bank now! But can he protect you when you're sick? Can he give you 300,000 yuan at a time?

Third, this protection includes critical illness protection, and you can just get the money back after 20 years.

Fourth, 630 a month is not difficult for you, it will not affect you, and it is also more reassuring to have more protection for yourself, not to mention that you will not let your family worry about you if you become a family in the future.

You need to know what the insurance you already have.

Based on your current age and the business you are in, the recommendations are as follows:

First, the protection can give due consideration to life accident insurance and accidental medical treatment, life insurance mainly depends on the family responsibilities you bear, combined with the amount of life insurance you have bought before to measure and evaluate.

Second, based on your current business, if you have no financial experience, you can consider taking out 10% of your monthly income to buy dividend insurance.

You tell me what you do, eight thousand to two ws a month. Wipe.

You already have insurance, you might as well buy it.

Xueba talks about insurance, focusing on insurance evaluation! The comparison table between the 35 participating insurance products and the mainstream 1010 critical illness insurance products in 2020 is here35 participating insurances and 101 hot-selling critical illness insurance products are PKDividend insurance is actually a kind of insurance with both protection and dividends, it provides customers with corresponding protection, and at the same time, it also gives customers a certain amount of dividends according to the company's operating conditions, and an insurance takes into account the protection and financial management functions.

Indeed, for customers, participating insurance not only has a guarantee function, but also has an investment function, since its launch, it has attracted everyone's attention However, when everyone buys, they are often confused by the demo interest rate, in fact, almost no one can get the expected return.

That's because customers don't know these two characteristics of Fu Dividend Insurance:

Clause.

1. The distribution method of participating insurance is uncertain.

Second, the dividend pool is not transparent.

There are detailed explanations inside.

In the final analysis, dividend insurance is not suitable for beginners, and people who do not have certain insurance knowledge should not blindly insure!

After 20 years, all the money you paid will be refunded to you, and then dividends will be added. No one knows how much the final dividend will be, but the company will send you a letter once a year.

If there is a claim during the 20-year period (the contract is terminated after the claim occurs, you don't have to pay the money, and the dividend can still be taken) = the sum insured (one-time early payment) + 20 years of dividends (you can receive it once every year for 20 years, and you can add it up according to compound interest if you don't take it out), and if you don't make a claim for 20 years, you can get it once every year if you don't take it out, and you can add it up according to compound interest).There is uncertainty about future dividends, and how much you can take depends on how much you pay, and how much you pay is determined according to your age, gender and current income Furthermore, it depends on how much security you have now, which is suitable for you (this does not conflict with your previous one) This answer is for reference only Good luck.

Buying insurance is about protection, not about its benefits. Its insurance liabilities are: 1. If the insured dies due to illness within one year from the effective date of this contract, the company shall pay the death insurance benefit according to the insurance premium paid (excluding interest), and this contract shall be terminated; In the event of the death of the Insured due to accidental injury or illness one year after the effective date of this Contract, the Company shall pay the death benefit at 100% of the basic insured amount, and this Contract shall be terminated.

2. The insured shall survive to the effective date of the year after the expiration of the insurance period, and the company shall pay the maturity insurance premium (excluding interest) according to the insurance premium (excluding interest) paid in this contract and the contract of China Life Additional Hongkang Critical Illness Insurance (paragraph A), and this contract shall be terminated.

I just consulted to see if there is no dividend according to the company's situation!

The current dividend insurance income is quite unsatisfactory. It is recommended to consider carefully these insurances, otherwise once insured, you will lose a lot if you want to change your mind.

What is the starting point of buying insurance, you must think clearly, if it is heavy protection, do not care about the income. Insurance plans for the future and the uncertainty of risk. There is no perfect product, only the most suitable product.

Dear, Pacific Life's Hongfa A is currently the most popular participating insurance, the income is higher than the average, I have bought it, you can consult me for details.

It depends on whether you pay attention to protection or financial management, and if you are protected, you must buy full protection. Several major claims responsibilities must be bought.

Do you want to protect yourself, or invest in funds, dividends focus on investment, you look at the income and probability and how much money you pay, and whether you want to invest or want to be a guarantee.

This is true, I also do this myself, upstairs view, do not agree with it, telemarketing and personal insurance have their own advantages, do not do much evaluation, Hongkang A is one of the telemarketing products, now we sell less, now the main Hongkang Supreme, if you are interested, you can also contact me, my surname is Yang.

Insurance is real, and even this kind of insurance is fooling you.

It's true, but it's not detailed enough after all.

Really, a few days ago, a salesman's sister also bought it in this way, but she couldn't pay the premium and returned it.

Insurance products are both rewarding and risky. You have to take into account your financial strength, and if you withdraw early, you will lose a lot. It is possible to get 20 years of dividends after 10 years of insurance, but the money you have insured for 10 years cannot be withdrawn and the interest on bank deposits is not the same.

No matter what kind of insurance product you buy, you must carefully analyze whether the insurance liability in the insurance clause is your need, no matter what the business person says, it is the terms and conditions of the insurance contract. Only the right product for you is the most important thing.

Hello, I am the director of the Chinese Life Telemarketing Center. First of all, Hongkang is a serious illness plus dividend insurance. Since you buy insurance, protection is the first place, if you blindly focus on income, then you are putting the cart before the horse.

Secondly, Hongkang's principal will not have any loss, the customer is healthy and safe, and after 20 years, the principal will be fully recovered. Third, the dividend itself is uncertain, depending on the operating conditions of the insurance company, the former economic market is sluggish, Chinese Life including other insurance companies have invested a lot of **, so the income is not good. However, in 2013, China Life Investment was transformed to be stable, and it was relatively safe to buy insurance with dividends at this time.

Finally, at present, it is not a good choice to put money in banks, on the one hand, banks cannot help people resist risks; On the other hand, the interest rate of the bank cannot run the CPI, so it is not recommended to release the bank.

I think it's still good, first of all, these hundreds have no effect on you, and it should be taken as a fraction of the whole withdrawal, and your principal has no effect, in case there is something to say 100,000, and it will be given to you after 20 years, in fact, you should really buy one, insurance is a must, but it is also to be decided according to your own economic situation, and you can reply to me if you have any questions.

The principal should not be deducted, and as for the dividends, which are based on the profits of the insurance company, this is generally not too much.

Hello, as the saying goes, every woman is an angel, the left wing is healthy, the right wing is wealth, plus a smart mind is a happy angel, so women should love themselves more, the introduction of the new marriage law is a challenge to women, the reality requires women to be self-reliant, you are so young to have this kind of consciousness is very good, peace and wisdom of life has the following characteristics: 1Comprehensive coverage for Death, Critical Illness, Accident and Accidental Medical Benefit2

The sum insured can be adjusted according to the risk at different stages of life, and I am in charge of my insurance3The guaranteed interest rate of the interest rate guarantees that your income will never shrink Historical benefits: In 2010, the average monthly settlement interest rate exceeded 4%, ranking among the top 4 in the industry

Hold the Bonus Bonus to pay the premium for the first 5 years, 5% of the premium paid for the incentive period for the first 10 years, 10% of the premium paid for the previous 20 years, and 30% of the premium paid for the incentive period5Monthly Settlement Daily Profit - Wisdom: Knowing Heart Daily Monthly Interest - Win:

Earns interest of 6 per monthThere is no handling fee for receiving the free part [benefit explanation]: the annual premium is 6,000 yuan, the payment period is 20 years, and the total payment is 120,000 yuan1

Protection Account: After the policy takes effect: a minimum of $200,000 before the age of 60 Critical illness benefit for death, adjusted to $100,000 after the age of 60 until the age of 65

It has an accidental injury protection of 100,000 yuan and an accidental injury medical reimbursement of 20,000 yuan2Wealth management account: Through Ping An expert financial management, you can receive it when you retire (calculated by the upper stage of the gold collection proposal) and you can receive it at the age of 60 at one time

10,000 yuan, which is equivalent to the times of the total investment, 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 a time at the age of 80: 10,000 yuan, which is equivalent to the times of the total investment [Proposal Analysis]:

1.The 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 greater of 105 times the current value of the basic sum assured5The premium you pay will be credited to your policy account after deducting the initial charge6

You pay the cost of your policy through your policy account7According to the mid-range demo interest rate, when your payment period expires, the policy account value has exceeded 150,000 yuan, and will continue to increase in the future, and by the time you are 60 years old, it has reached 220,000 yuan8When you need funds, you can partially claim the account value, we don't charge any fees Reference:

Ping An outsmarts life health and happiness plan.