At the age of 35, with an annual income of 40,000 yuan, what is the best insurance to buy with socia

According to the subject's situation, it is recommended to consider the allocation of consumer-based critical illness insurance, million medical insurance, term life insurance and accident insurance. Mainly considering that the subject's insurance budget is relatively limited, in order to obtain as adequate protection as possible, the above scheme is still more feasible. Secondly, insurance products are only good if they are suitable for you, and there is no best difference.

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 insurance

It is according to different ages, different income and expenditure situations, and different family states to "prescribe the right medicine", I made an idea to share with you, based on the insurance strategy, to understand what insurance a family generally needs to buy, how to configure the best:

For 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? People who are less than 20 years old are in the period of physical and mental growth and development, and it is inevitable to get sick, so it is necessary to have a medical insurance to reimburse the high medical expenses; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is quite a cost-effective choice to configure an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

Growth stage (20-30 years old): You should choose critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, most of them have begun to live independently, at this time the body is young, the spirit is good, there is no knowledge of the survival risk, and the cost of living is high, can not resist the torture of a serious illness, 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, it can be considered, in line with this age group friends can see the senior sister beforeA trick to teach you to buy a cost-effective business insurance for your 20s

You can take a look at this article.

For young people between the ages of 30 and 50, it is recommended to choose critical illness insurance, life insurance, accident insurance and medical insurance

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. Friends who meet this age group can watch before the senior sisterPeople over the age of 30 want to buy insurance. What insurance can be purchased

As for how to choose a good insurance with more money and effort, the key is to choose the right insurance product.

"At the age of 35, with an annual income of 40,000 yuan, what is the best insurance to buy with social insurance"Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Hello! According to your situation, you can spend 10-15% of your annual income to buy insurance, social insurance is only the most basic insurance, can only solve the most basic protection, so you still need commercial insurance as a supplement, and the first thing to consider is accident and illness protection, therefore, I recommend that you buy protection insurance first, accident, critical illness and medical treatment, of course, you need a professional insurance ** person to do the right analysis for you.

It is recommended that you use medical insurance to supplement the gap in social security medical care, and at the same time, personal protection and critical illness are also very important for you at this stage!

Mainly based on protection insurance such as accidents and critical illnesses, the premium is controlled within 6000! Hope to help you, if you have any other questions, we can talk again.

Buy accidental medical treatment, hospitalization allowance, critical illness.

What should I pay attention to when applying for commercial life insurance, and what materials do I need?

Answer: To apply for commercial life insurance, pay attention to a tailor-made, that is, you need to meet your own needs, you need to provide the following basic information: gender, age, occupation, physical condition, income, family situation, social insurance ownership, commercial insurance ownership, and what kind of insurance (children's education, retirement pension, wealth planning, health protection) is required

In addition to filling in the insurance policy and other information, you also need to submit a copy of your ID card and a copy of your bank card (a copy of your bank card is required when paying premiums, and the China Insurance Regulatory Commission stipulates that insurance companies must collect premiums by bank transfer).

A serious illness + a financial supplement for the elderly.

Hello! When buying insurance at the age of 34, you need to choose the right type of insurance according to your actual protection needs, economic situation and other factors, and the one that suits you is the best. Generally speaking, accident insurance, health insurance, and life insurance are all suitable products. Here's how:

1. Accident risks are everywhere, 34-year-old people are generally in the stage of "old and young", once out of danger, it will be a heavy blow to themselves and their families, and will cause a certain economic burden. To do this, you need to buy the right accident insurance to hedge against risks. If you are the breadwinner of your family, you should make sure you have enough coverage when you buy accident insurance.

The recommended amount of coverage is 5-10 times of your annual income, and if you are 34 years old and need to commute by public transportation frequently, you need to have no traffic accident insurance.

2. Disease has become a major killer of human beings, 34 years old belongs to the stage of struggle, 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, especially critical illness insurance. When a 34-year-old man buys critical illness insurance, the sum insured should be between 100,000 and 200,000 yuan. When buying medical and critical illness insurance, 34-year-old women should pay special attention to women's special diseases, such as breast cancer, cervical cancer, etc., and check whether these common female critical illnesses are covered when purchasing critical illness insurance.

First of all, everyone's situation is different, the family structure is different, everyone's concerns are different, and the final choice is also different. If you give too little information, you really can't give you a direct recommendation, which is irresponsible. I need to know your gender, your job, what problems you want to solve, whether it is medical expenses, or worry about family losses caused by critical illness, or pension, whether you have bought insurance before, what your budget is, etc., only the more comprehensive understanding of your needs, can we give you a plan that suits you.

Clarify the needs to see how the existing security between family members is simplified, and on this basis, it is necessary to clarify what the most fundamental needs of each member are. I personally suggest that commercial insurance should be planned on the basis of social security, and the two complement each other and are more effective and reasonable.

2.Determining the amount of premium expenditure is theoretically 10%-15% of the annual household income, but in reality, it needs to be analyzed on a case-by-case basis.

3.Determining the amount of insurance is theoretically 6-10 times the annual income of the family, but in reality, there are many factors to consider, such as the specific situation of each family.

4.Determining the order of insurance, basically, is to give priority to adults before children, to protect the middle forces first, and to consider the elderly and children.

5.The distribution of premiums for family members should be the first to insure the main economic **, and the premium expenditure should also be tilted towards him.

6.At present, the mainstream types of insurance: participating insurance, universal insurance, investment-linked insurance, conservatively speaking, it is recommended that customers pay attention to the first two.

7.At present, there are many life insurance companies in the market, and it is recommended that customers pay attention to the first echelon of the industry, after all, these well-known domestic insurance companies with a history are more insurance.

8.To apply for insurance, we must base ourselves on protection and talk about other things, otherwise putting the cart before the horse is equivalent to wasting money. The main focus is on big risks, such as accidents and critical illnesses!

9.Don't pursue one-step planning, plan step by step, plan in order, and plan effectively.

10.There is little difference in the products of each company, and it is of little significance to simply compare products.

11.It is advisable to seek the help of the local Dai Li people, which is very realistic. You can only apply locally, and you can't go to other places to sign for insurance.

Extensive communication with some professionals, asking for help, and choosing a suitable person as the long-term service personnel of the policy is the most important factor to reflect the value of the policy.

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

Young people around the age of 34 can buy critical illness insurance, million medical insurance, and accident insurance.

When applying for critical illness insurance, Senior Sister recommends that you choose a product that covers critical illness, mild and moderate illness protection, and it would be great if it could provide additional compensation.

In addition, considering that many million medical insurance policies on the market have a protection period of 1 year, it is recommended that young people around the age of 34 try to choose one million medical insurance with relaxed renewal conditions, such as supporting guaranteed renewal.

A 35-year-old woman should have her own family and career, and she also has a lot of responsibility. For a 35-year-old woman, it is necessary to purchase an insurance policy to protect her health and safety.

So what kind of insurance should a 35-year-old woman buy? It is recommended that you first consider purchasing personal protection insurance. What insurance is good for a 35 year old woman?

The first option is a personal protection insurance (i.e., the type of insurance that covers accidents and critical illnesses), because if something happens to you, your family will collect a lot of income and put a heavy burden on the family.

What insurance is good for a 35 year old woman? It is best to buy lifelong protection, because the chance of getting a critical illness in 20-30 years is not very high, but the chance is much greater for the elderly after the age of 65. What insurance is good for a 35 year old woman?

If you wait until you are in your 50s or 60s to buy it, you may not be able to buy it (your physical condition does not meet), or you may pay many times more expensive than you are now to buy the same protection.

What insurance is good for a 35 year old woman? Buy a little proper medical insurance, maybe you don't go to the hospital for a year, two years, but three years, five years always have to go to the big and small illnesses a few times, it may cost a few thousand yuan, but if you buy a few hundred yuan of medical care every year, then a few thousand yuan will be reported to you, isn't it great? What insurance is good for a 35 year old woman?

If you still have money, you plan to provide for the elderly, buy pension insurance at the age of 40, as far as the same person takes 1,500 yuan a month at the age of 60, you buy at the age of 35, and the money to be paid for the purchase in your 40s and 50s is quite different.

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

It is better for 34-year-olds to buy these hail insurances: critical illness insurance, medical insurance, accident insurance and life insurance.

Among them, critical illness insurance and medical insurance are still more prominent for 34-year-olds. After a 34-year-old suffers from a contracted illness and meets the claim criteria, the critical illness insurance will pay the corresponding insurance benefits; The medical insurance will reimburse the corresponding medical chain expenses as agreed. The combination of these two insurances can well transfer the financial risk caused by the illness of the 34-year-old.

34-year-old people buy insurance see here: 34-year-old you are suitable for which insurance?