What kind of insurance is better to buy, and what kind of insurance is better to buy?

Hello, I am a life insurance consultant at AIA Beijing Branch. Bachelor of Finance, Northeast University of Finance and Economics. Thank you very much for giving me this opportunity to serve you. I would love to be able to address your concerns with my services.

Based on the situation you have given, let's first briefly analyze that you are now in a stage of pressure from old to young, and perhaps with a mortgage or car loan. This will be more stressful! Since the old man has arrived.

In the age group of 50 and 60, although we have pension products for the elderly up to 65 years old, the premiums will be relatively high, and the accident insurance will be relatively small, but the risk of the elderly in the future I personally think that it should be in the area of serious illness, do you agree? However, critical illness insurance is only available to people between the ages of 18 and 55. So it's up to you to make a choice.

Here is also a reminder that insurance should be planned as soon as possible, the younger the cheaper, and the insurance company should also take into account the probability of investment risk!

And then let's talk about our baby! Early childhood is one of the most risky periods for a person. That's why I think it's important to protect your child's accident and health.

Children's accidents + children's serious illnesses are only a few hundred yuan a year. It is more comprehensive to protect the risk of accidents and serious illnesses for children. If you have more financial ability, you can give your child an education fund.

Insurance plans are not done all at once. Step by step is a more appropriate step. Also, while you're thinking about insuring your child, do you already have a comprehensive protection plan in place?

After all, for a child, you are his biggest umbrella :), right?

Considering that the first 20 years of marriage is a critical period for raising children, if one party has an accident, it will cause the other party to be too stressed, and want to insure each other with 20-year term protection insurance. If it is less than 1,000 yuan per year, if one party unfortunately dies, the other party can get 20w insurance money. However, this insurance only covers accidents or death, not illness, so I think it is not perfect.

It is advisable to add a critical illness insurance.

The above is just a rough suggestion for you with the information I have, if you are interested, if you have time, let's have a cup of coffee together, come out and talk, and make friends.

If you trust me, you can tell me a little bit more about yourself, because before I can plan for you and your family, I have to know some basic information about you and this part of your needs. So that I can come up with a plan that will satisfy you and your family. He Lei.

Hello. The first thing to know is who the friend is and what they do in the family, but also what your family can earn and spend. Because it has a lot to do with the choice of type of insurance you have.

Since I don't know your information very comprehensively, based on the insurance principle, it is probably recommended as follows:

1.If no one in your family has ever taken out any insurance, then the order of insurance should be: 1 family breadwinner, 2 middle-aged generation, 3 children, 4 elderly people.

If your family's financial conditions allow, you can consider applying for all of them as long as you meet the insurance conditions. However, for the sake of affordability and coordination of all aspects, the various amounts and types of insurance should also be determined according to the actual situation.

2.If your parents are before the age of 55, consider taking out the appropriate amount of health insurance. However, the sum insured does not have to be too high, it is appropriate.

In addition, it should be noted that due to the older age, the premium will also be more expensive. Therefore, there is no need to worry too much about the premium and the rate of return, just buy a guarantee and a peace of mind.

3.If your child wants to buy insurance, if it is the most cost-effective from the perspective of "cost-effective" It is recommended to buy insurance with a collection function, and at the same time, it is necessary to hang the children's critical illness exclusive to children In addition, the most important thing is that parents are the first layer of protection for children, so if you apply for life insurance, you must not forget to add the item "policyholder exemption".

The above are some suggestions on insurance principles based on the less comprehensive information provided by the questioner, I hope it will be helpful But there is no most cost-effective insurance, only the most suitable one, so if you want to make the most ideal family protection plan, you need to communicate with the **person in detail and clearly express the expectations you want to achieve

First of all, congratulations on your good concept! There is no good or bad insurance product, but the choice between the insurance company and the insurance marketer is important. So I advise you to be cautious! I don't know where you are, maybe I can help you with a reference. It's mine.

The colleague above is a little anxious, in fact, it doesn't matter what kind of insurance you buy, the important thing is to suit the customer: if the family doesn't have any insurance, then why do you want to make education insurance for your children first? As a professional life insurance person, it should be considered from the customer's point of view, so it is recommended that the family's health insurance must be bought, followed by their own pension or something!

Sissy! I've only been learning insurance for a few days! I'm in Minsheng! See who you want to buy it for?

If you are 3 years old, buy him an education savings type insurance! (Gold List nominated children) 60 to see if the age is past the age of overinsurance, if not, buy accidental injury or something!

Or maybe you buy a dividend-paying one! (Changle, Changyu) put the beneficiary to write your doll!

Personally, I think you can buy a whole life insurance for your child, and the sooner you buy it, the better. If the old man is talking about it, see if the old man has a pension? However, at the age of 56, the body should be more or less unwell, generally at this age to re-insure, there are three possibilities, by the insurance company refused, or pay a high premium, the worst case is to be exempted from liability for a certain liability clause, for example, the policyholder has heart disease, if the insurance company underwrites the risk of heart disease liability exemption, probably this means.

I don't know your specific situation and can't give advice for you. However, if you are the financial leader of the family, it is recommended that you first get yourself an insurance policy, in case you have a risk, what will your family do? To protect yourself is to protect your family.

AIA (Friends of the United States).

Contacting you for specific situations, tailor-made for you:

From high to low importance: health and accident insurance, pension insurance and children's education funds.

You can contact me and we can communicate further.

Xinhua Haidian - Life Insurance Iron Army.

email：

Different people, different families have different needs, and this needs to be decided according to the actual situation.

The average person can consider purchasing the following types of insurance:

1.Life insurance: Life insurance provides protection for the policyholder's family, that is, when the policyholder dies, the insurance company pays a certain amount of insurance money to the beneficiary.

Life insurance can be purchased in two forms: short-term or long-term. Short-term life insurance usually lasts for a year or less, while long-term life insurance can provide longer-term coverage at a premium.

2.Medical Insurance: Medical insurance is designed to help the insured person when they need medical care. Different insurance products have different coverage and limitations, for example, some insurance companies may offer limited coverage outside of certain network hospitals.

3.Accident insurance: Accident insurance can provide the policyholder with additional protection against unforeseen unforeseen events.

Policyholders don't have to worry about emergencies that may occur in ordinary life, such as falls, animal bites, car accidents, etc. However, accident insurance usually does not cover the cost of injury or emergency medical services due to illness.

4.Car insurance: Car insurance is designed to cover the policyholder's car. Depending on the type of policy and the amount insured, car insurance usually covers vehicle repairs, bodily injury from accidents, and property damage, among others.

5.Travel Insurance: Travel insurance provides coverage for unexpected events during the policyholder's trip. Travel insurance can cover all kinds of emergencies during your trip, such as lost luggage, emergency medical services, trip cancellation or delay, and more.

Before purchasing insurance, we need to understand the premium, coverage period, coverage, claim requirements and applicable restrictions. In short, choosing the right insurance product needs to be decided according to the actual situation and needs.

It is advisable to consider purchasing a product from a well-known insurance company. At the same time, it is necessary to avoid buying counterfeit and shoddy insurance products that cannot guarantee the legitimacy.

The above is Dad's, if you don't understand something, please send a private message.