I am a single man, 43 years old this year, what insurance do I need to buy in order to protect my fu

It depends on whether you need pure protection or pension, or buy one for each.

Pension insurance and medical insurance.

A 43-year-old man shoulders family responsibilities and faces the risk of illness and accidents, so it is very necessary to have insurance.

A 43-year-old man is usually the breadwinner of the family, running around to make money, and facing the financial risks of death and unintentional actions. 43 years old is a high-incidence age group for serious diseases, and if there are bad lifestyle habits such as smoking and alcoholism, it is even more important to pay attention to it.

Therefore, it is necessary for a 43-year-old man to buy insurance, which is not only to protect himself, but also to protect the whole family.

Here is a set of insurance allocation plan for 43-year-old people, if you need it, you can take a look: 43-year-old brother Qi brother is suitable for you to buy?

Hello! A 24-year-old married young woman has a daily risk to her health and accidents, and if an accident occurs, the impact on the future and the whole family is huge. Therefore, it is very appropriate for you to plan to protect yourself with insurance.

As for what kind of insurance products are suitable for you to buy, it is recommended that you can consider according to your specific protection situation, and give priority to accident insurance, health insurance and other protection insurance products.

How can a 24-year-old married young woman buy an insurance product that is suitable for her?

1. Comprehensively consider all the items that need to be insured, make comprehensive arrangements, avoid duplicate insurance, and make the most effective use of the insured funds.

2. Purchase accident insurance and accident medical insurance to avoid the risks caused by accidents that may be encountered in your daily life.

3. Try to choose long-term health insurance such as critical illness insurance with a long payment period, and pay attention to the coverage and deductible of health medical insurance when applying for insurance.

Xueba talks about insurance, focusing on insurance product evaluation! At the age of 24, I basically didn't save much money, in order to save money and didn't see a doctor for minor illnesses, once unfortunately suffered from a serious illness, I would be at a lossDesigned for 24 years old!

Comparison Table of 136 Popular Critical Illness Insurance in China

There are many insurance products, and there is no need to give up thousands of good products for the sake of one company. Nowadays, the pressure on young people is increasing, and they will begin to have a sense of crisis, and their awareness of insurance is constantly improving, but they still don't understand how to pick things at this age, and it is difficult to distinguish between true and false insurance information, and it is not easy to pick an insurance that suits them, so I stayed up late to make such a 24-year-old insurance configuration strategy.

Young people mainly face these problems:

1) The working hours are not long, the awareness of saving money is not strong enough, and they are more accustomed to spending lavishly, and the economic foundation at this time is relatively weak.

2) Irregular life and rest, to face many problems, psychological pressure is not small, such as vascular disease, hypertension, stroke, cancer, acute myocardial infarction and other major diseases are very high.

It can be seen that young people need affordable but comprehensive protection for illness, which can be configured with accident insurance + critical illness insurance + million medical insurance.

1.Critical illness insurance

According to WHO data, 75% of the people in China are in a sub-health state, and young people are more likely to suffer from certain major diseases than the elderly, and the incidence of major diseases is gradually increasing at the age of young people. Critical illness insurance protects critical illnesses, moderate and mild diseases, and it takes hundreds of thousands of critical illness expenses at every turn** Many young people can't afford it, so it's important to buy a critical illness insurance.

Look at this picture about:

Obviously, the later you buy critical illness insurance, the more expensive it is, and as you get older, once you suffer from certain diseases, the insurance company will not allow you to buy it, and the sooner you buy critical illness insurance, the better.

I don't know which one to buy, just look at the list selection:Designed for 24 years old! Top 10 Critical Illness Insurance Points Worth Buying in 2020! 》

2.Accident insurance

About 100 yuan can buy hundreds of thousands of accident insurance, to protect accidental disability and death, young people with a small budget are suitable to buy one, before buying other insurance can be configured with accident insurance, for young people, especially to buy accident insurance with sudden death protection.

3.Million Medical Insurance

Million medical insurance is mainly to reimburse for hospitalization, and many medical insurance will also come with a green channel for medical treatment, which can provide proton heavy ions**. A few hundred yuan a year, you can have a reimbursement amount of millions, and you don't have to be afraid if the budget is not high.

Good medical insurance should still be picked well, and the list is presented for reference:Designed for 24 years old! Top 10 Million Medical Insurance Points Worth Buying in 2020! 》

As the breadwinner of the family, how should a 43-year-old man buy insurance?

From the perspective of protecting themselves and their families, 43-year-old men should be equipped with the mostCritical illness insurance, medical insurance, accident insurance, and life insurance, these four major types of insurance.

Next, let's talk about the specific information of each insurance type:

1.Critical illness insuranceCritical illness insurance is a lump sum payment, and it is not restrictive.

Not only can it be used for medical expenses and medical expenses, but it can also make up for the loss of income in case of illness.

At the age of 43, it is a critical period for the career, and if the breadwinner of the family suffers from a serious illness and falls, it will not only consume a lot of money during the period, but also affect the work income. The role of critical illness insurance is precisely to transfer this risk. On the other hand, the probability of people suffering from critical illness after the age of 30 is on the rise, and if you want to buy critical illness insurance at the age of 50, the premium will be much more expensive than now!

How to buy critical illness insurance, let's take a look at the most popular critical illness insurance:

Recommended for you around 43 years old, top 10 cheap and good price critical illness insurance points!

2.Life Insurance:Adults are exposed to disease and accident risks in addition toThere are many other injuries that cannot be anticipated.

Life insurance is actually life insurance that takes the life of the insured as the subject matter of insurance. That is to say,The decisive condition for life insurance compensation or non-payment is that the insured is alive or dead, or totally disabled, and the cause of his death is not restricted.

Since the 43-year-old man is the breadwinner of the family, it is also necessary to buy life insuranceNot only are you responsible for the family's daily expenses, but also car loans, parental support, and children's education expenses。The role of life insurance is to continue love and responsibility, so that the family can live a better life.

Term life insuranceTerm life insurance is more suitable for ordinary families, if the income is not high but there is a need for insurance, with a lower premium to obtain relatively higher protection, the protection period is flexible, suitable for the family pillars and other people, ** is also very close to the people.

How to buy insurance for different age groups? Everyone should have their own plan

3.Medical Insurance:As a supplement to medical insurance and critical illness insurance, medical insurance is a reimbursable type of insurance.

Medical insurance can help patients pay for their medical expensesIf medical insurance is purchased, the payout of critical illness insurance can be used as financial compensation; If there is no medical insurance, the benefits of critical illness insurance can only be treated as medical expenses, and the loss of income caused by the illness will not be compensated.

4.Accident insuranceWe don't know for sure which will come first, the unexpected or tomorrow, but when the unexpected comes, we all want to be able to reduce the loss. This is where accident insurance comes in.

Accident insurance can cover the damage caused by various accidents, from cat scratches and dog bites, to disability and death, and only one or two hundred a year, which is extremely cost-effective.

As a 43-year-old man as a breadwinner, he is facing the pressure of family and work, and the chance of sudden death due to heart problems is increasing.

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages。You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insuranceFor those under the age of 20, critical illness insurance, medical insurance and accident insurance can be the first choice

How do I buy insurance for someone under 20 years old? Before college, in the period of physical and mental growth and development, it is inevitable that there will be some minor illnesses and pains, so it is necessary to have medical insurance to reimburse medical expenses; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so you can consider purchasing an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

For those who are in the youth stage (20-30 years old), they can choose critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, is already an adult who can be independent, at this time the body is young, the spirit is good, into the society began to accumulate wealth and survivability, but also will face different degrees of risk, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the premium is actually quite cheap, a month is only a few dozen yuan, you can consider it, in line with this age group of friends can see the answer of the senior sister beforeYoung people in their 20s, how to buy insurance for themselvesYou can take a look at this article.

For those under the age of 50, it is recommended to take out critical illness insurance, life insurance, accident insurance and medical insurance

A trick to teach you to buy the right 30-something cost-effective insurance? At this time, buying insurance is more for your family than yourself. The probability of middle-aged people's illness is increasing rapidly, but it is the most important economic ** of the family, and they often can't fall, so critical illness insurance and medical insurance can provide adequate protection for illness; If an accident happens, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

The key to how to buy a good insurance product is to choose the right insurance product.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

A 43-year-old man should buy a basic pension insurance for the society. After 15 years of cumulative contributions, you will be 58 years old, and you will reach the statutory retirement age in another 2 years, and you can receive a pension after retirement.

Endowment insurance, the full name of social basic endowment insurance, is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers after reaching the working age limit for releasing labor obligations stipulated by the state, or after retiring from labor positions due to old age. The purpose of endowment insurance is to ensure the basic living needs of the elderly and provide them with a stable and reliable life**.

Hello, your insurance awareness is very good, this is worthy of praise, for 43-year-old you, you should bear the responsibility of the family, and the pressure of life should be relatively large, after you give priority to improving the accident insurance, it is recommended to buy a certain protection in terms of health, especially in the protection of critical illness, it is recommended to buy a consumer card single critical illness insurance product, the amount of insurance is preferably not less than 100,000 yuan, here is a reference link to help you!

If you want comprehensive protection, you can choose Ping An Fu, with the same premium, you can get a higher sum insured and more comprehensive protection. If there is a critical illness or an accident, a mild critical illness can also be reimbursed. In addition, there is an additional waiver to waive the remaining premium in the event of a critical illness or accident.

It is recommended to purchase accident insurance, critical illness insurance and both-insurance insurance, and use commercial insurance to reflect your responsibility and love for your family.

It doesn't matter whether you buy insurance or not, it only depends on your insurance needs and financial ability, if there is no demand, then you don't need to think about whether to buy or what to buy (for example, a person who has never flown does not need to consider buying aviation insurance), unless some related person sells you that you have to buy.