I would like to know a little bit about life insurance

1: Insurance is suitable for caring, responsible, persevering and hardworking people. 2：

The conditions are different for each company, as far as Chinese life is concerned, it is required to have a high school degree or above, no illegal and criminal records, and after training, it is enough to participate in the ** person qualification examination. 3: Insurance is a sunrise industry, with the deepening of the country's reforms, especially the introduction of the "National Ten Articles", insurance will be further rooted in the hearts of the people.

The industry is good, but you need to have enough confidence, extraordinary perseverance, the necessary economic foundation to start, and the endurance of non-idleness, as long as you take the first few steps, the back is the brilliance, but more than half of the people can not insist on walking out of the first few steps, because these days are not ordinary people can bear! As for the condition required to do this line of work, it is an insurer qualification exam, just get the certificate, there are no strict requirements for the rest, as long as you are confident, no insurance company will refuse you! I wish you success!

As for other aspects of insurance, you can refer to the insurance information in the bookstore or check it on the Internet! Nothing difficult!

Anyone can do it, it depends on whether you have confidence in yourself, have strong willpower, and withstand blows, but this industry is also a sunrise industry, and the insurance industry will develop better and better in the future.

It's hard to do it just now, unless it's done.

The meaning and function of life insurance can be simply and popularly understood as: the role of life insurance is actually different people have different understandingsLife insurance is the embodiment of the value and dignity of life, and the interpretation of the responsibility and love of the family. Life insurance is also a manifestation of mutual aid, just to name a few:

For example, if a person has a serious illness and his family is poor, he can only borrow from relatives and friends, even if he can find 20 such people to raise funds, and one person can borrow 10,000 yuan, which is enough for ordinary serious illness, but this money has to be repaid, and it cannot be called help; But if he has the protection of critical illness insurance, the 200,000 yuan will be paid by the insurance company, and he does not have to pay it back. Insurance companies also raise funds through the majority of policyholders, and a policyholder pays one yuan, which is also a lot of money, hehe! Insurance is a spare tire for the family's finances.

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

Life insurance is a kind of life insurance that is conditional on the life or death of the insured. In other words, life insurance is closely related to our life and death.

Life insurance can be divided into risk protection life insurance and investment and wealth management life insurance.

Among them, risk protection life insurance is mainly divided into three categories: life insurance, comprehensive insurance, and annuity insurance; Life insurance is further divided into term life insurance and whole life insurance.

Investment and wealth management life insurance is divided into participating insurance, investment-linked insurance and universal life insurance, focusing on investment and financial management.

For a more detailed introduction of insurance types, please click here to understand: "Introduction to Life Insurance Types, Which Is Better to Buy?" 》

Life insurance is an insurance that protects the life or death of the insured, and its role is to get a compensation from the insurance company when the insured dies and becomes completely disabled. Life insurance can be divided into term life insurance and whole life insurance according to the different protection periods.

So what is term life insurance and whole life insurance? What's the difference? How to choose: "Whole life insurance or term life insurance, dad teaches you to choose this way".

One. Meaning of term life insurance and whole life insurance

Term life insurance can literally be understood as a life insurance with a limited protection period, if the insured dies and becomes totally disabled within the protection period agreed in the insurance contract, the insurance company will pay the insurance money according to the contract.

Term life insurance can be as short as 1 year, 10 years, 20 years, 30 years, or up to a certain age such as 60, 70, 80.

Whole life insurance, as the name suggests, is a life insurance that protects life, because the protection is lifelong, that is, the insurance company will definitely compensate, so buying whole life insurance is more like an investment, the beneficiary can get 100% of the investment income, and also has a certain ability to transfer property risks.

Three. What is the difference between term life insurance and whole life insurance

Term life insurance has a limited protection period, which requires the policyholder to choose according to their needs when applying for insurance, while whole life insurance protects life, and there is no limit to the protection period.

Term life insurance is a kind of consumer insurance, the insurance company only bears the insurance liability during the protection period, and the contract will be terminated naturally after the expiration of the insurance period, and the insurance company will no longer bear the insurance liability, and the premium paid will not be refunded.

Term life insurance is more suitable for young people who are the breadwinners of the family and who are just starting out in their careers, because in the event of an accident and death, when the rest of the family receives compensation from the insurance company, this money can ensure the quality of life of the family.

Whole life insurance is a kind of savings insurance, which can be divided into protection, savings and inheritance whole life insurance according to different functional attributes.

Whole life insurance seems to be perfect, but it also has a big drawback, that is, the premium is very high, and it often needs to pay thousands or even tens of thousands of yuan a year.

Therefore, whole life insurance is more suitable for people with wealthier families, and whole life insurance can be said to be a good choice because it has both investment and protection functions.

Four. Daddy concluded

Term life insurance and whole life insurance are suitable for different groups of people due to their own characteristics, and we can try to choose the most suitable life insurance for our needs according to their characteristics when choosing life insurance.

Life insurance is a type of insurance for the insuredCoverage in death or total disabilityIf the insured dies or becomes totally disabled, and the conditions of payment in the life insurance contract are met, the insurance company will pay the basic sum assured. Like these life insurance products, they are currently the best performing ones on the market, and friends who are considering buying life insurance can take a look:Top 10 Life Insurance Worth Buying!

There are two types of life insurance according to the duration of coverage:Term life insurance and whole life insurance. Term life insurance usually covers 20 to 30 years, or up to age 60 to 70, while whole life insurance is guaranteed for life.

1. Term life insuranceIn the event of death or total disability within the agreed period of the contract, you will receive insurance for compensation, which can be used to pay off debts and fulfill future family responsibilities.

Term life insurance can protect ourselves and our families during our most risky times. Because the starting point of buying term life insurance is not to protect yourself, but to ensure that the life or growth of your family (parents, spouse and minor children) will not be seriously affected.

Moreover, the premium of term life insurance is low, and the amount of insurance is high, for example: a 30-year-old man buys term life insurance with an insured amount of 1 million yuan, pays for 30 years, and only pays more than 1,000 yuan per year, and there is no pressure for people with stable jobs to pay more than 1,000 yuan in premiums.

2. Whole life insurance is a type of savings insuranceThe insurance company that dies or becomes totally disabled before the coverage age bears the insurance liability, and after the insured reaches the coverage age, the insurance company also needs to pay the corresponding survival insurance benefits according to the provisions of the insurance contract.

Whole life insurance is more suitable for policyholders with high premium budgets and estate planning needs, because whole life insurance premiums are expensive, and when paid to the designated beneficiaries as insurance benefits, they can be distributed in full accordance with the policyholder's wishes, protected by law, and exempt from inheritance tax.

Generally speaking, life insurance, referred to as life insurance, is mainly used by the insured to pass on the risk and pass on the risk to the insurer. It is a kind of life insurance that takes the life of the insured as the subject of insurance and takes the survival or death of the insured as the payment condition, that is, during the validity period of the insurance, the insured can get due protection only after the death or survival of the insured, which is also a major feature of life insurance. Normally, according to the perspective of insurance protection, life insurance can actually be divided into term life insurance, whole life insurance, survival insurance, death insurance, life and death insurance and endowment insurance.

Among them, endowment insurance is a special form of life and death insurance, that is, the insured can receive insurance money regardless of whether he or she survives during the insurance period or dies until the expiration of the insurance period. Therefore, it is a good choice to purchase endowment insurance in life insurance to provide old-age security. On the one hand, life insurance is purchased, and when the insured person dies, his family can receive this insurance money to improve their lives.

Because if the old man dies of illness, he must have spent a lot of money because of ** before his death. On the other hand, if the insured person survives after the expiration of the insurance period, he or she can receive the insurance money to live out his or her old age. In addition, many life insurance products also include health insurance, which means that if the insured suffers medical expenses or other losses due to accidents or illness**, the insurance company will also compensate for certain amounts.

In general, it may be good to buy life insurance for retirement. However, it is recommended that you choose according to your own economic situation and needs when applying for insurance.

As long as it is a formal insurance company, it is protected and supervised by national laws, so there is not much difference between good and bad insurance companies, so Chinese life insurance is no exception.

1) The criteria for judging the quality of the insurance company.

1.The insurance products launched are not suitable for you, for example, the purchase of the main insurance is mandatory to add some types of insurance, and the additional types of insurance are useless to yourself, no matter how good the main insurance is, it will make people uncomfortable.

2.The insurance ** person is not professional and dedicated enough to help you design insurance products and provide you with good services.

3.Response speed, whether the claim is faster, more timely, and even modify their own information is not a quick response, including customer service channels, ** channels, self-service channels and so on.

2) Precautions when applying for insurance.

1.Buy insurance first and buy medical health, and if you are healthy, you can guarantee everything you have.

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

3.If the main wealth creator of the family is not protected, then the premiums, living expenses and other family expenses are not guaranteed.

4.Adults and then children buy insurance, and adults are the best protection for children.

In life insurance, the two most common types are term life insurance and whole life insurance. Life insurance is mostly based on the death of the insured, so life insurance is bought for the family in order to leave a sum of money to the family after the death of the insured, and provide financial security for the subsequent life of the family on behalf of the insured.

Insurance can solve the small things and cat scratches and dog bites, major illnesses and hospitalization to solve the cost of the hospital, nothing to do, to the old age can receive a pension to solve their old living expenses or children's education expenses and children's wedding or entrepreneurship funds, parents' pension problems. Life insurance is a solution to a problem that social security cannot solve.

Life insurance is a life insurance in which the life of the insured is the subject of insurance and the life or death of the insured is the condition of payment. When the life of the insured occurs in the event of an accident specified in the insurance, the insurance company shall pay the corresponding insurance amount according to the provisions of the contract.

If we classify life insurance according to the duration of coverage, we can broadly divide life insurance into two categories: term life insurance and whole life insurance.

Coverage for a period of time, such as 10 years, 20 years, or up to age 60, 70, etc.

In the unfortunate event of death or total disability during the benefit period, the corresponding sum assured will be paid. If the contract does not occur at the end of the term, the policy is terminated and the coverage is no longer available.

Term life insurance is characterized by stable protection, high leverage, preferential treatment, and high cost performance, which is suitable for most people to buy, especially family pillars.

Guaranteed for life, 100% of claims can be made. However, it is relatively high and has low leverage, which is suitable for business owners or high-net-worth individuals, as a tool for asset inheritance.

Hello! Life insurance is an effective way to solve the problem of economic planning and follow the basic concept of family financial management. The role of life insurance in people's lives is roughly manifested as:

ensure the stability of people's lives; Make it a habit to save. Failure to pay premiums on time will result in the suspension or termination of the insurance contract; Maintain a regular income.

In particular, the purchase of annuity insurance in life insurance can make the life of the elderly stable; Enjoy tax exemptions. There is no income tax on the maturity insurance premium, and the insurance benefit paid to the beneficiary after the death of the insured is not taxed. Necessary cash flow.

When you need it urgently, you can apply for a policy challenge mortgage; Guarantee children's education; preservation of family property; Reserve emergency funds and so on.

Life insurance is a protection in case of accidents, but don't believe how much money you will receive every month after many years, when that money depreciates, it is estimated that it is almost the same to buy instant noodles.

I don't know if you buy life insurance is life insurance, or property insurance, if it is life insurance, then there is no say, but property insurance, I hope you have to consider it, life insurance to do property insurance is also just done in the past few years, in terms of loss assessment is very harsh, many companies are not willing to cooperate with it, the only more attractive is cheap, after September every year insurance can be discounted 5, you say cheap no. Therefore, if you want to buy a cheap one, then choose him, if you care about the quality of claims, you can consider other large companies, of course, life insurance is also one of the only few large companies in China.