What kind of insurance is suitable for 45 years old?

Generally speaking, many people in the age group of 45 are still the breadwinners of the family, so 45-year-old people are suitable to buy the following types of insurance: critical illness insurance, million medical insurance, term life insurance, and accident insurance.

For those who don't know about these types of insurance, you can take a look at this article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

1. Critical illness insurance.

Critical illness insurance, also known as critical illness insurance, is an insurance that can compensate for economic losses caused by illness, and its insurance money has no restrictions on how it can be used.

During the insurance period, if the insured suffers from the disease agreed in the policy and meets the conditions for claims, the insurance company will pay a sum of insurance money as agreed, which we can use to pay ** expenses or subsidize the family.

2. Million medical insurance.

Million medical insurance is mainly used to reimburse the first expense generated by our illness and hospitalization, compared with medical insurance, the reimbursement scope of million medical insurance is relatively wide, the amount is relatively high, and there are many million medical insurance on the market can be reimbursed for expenses outside the medical insurance catalog.

3. Term life insurance.

Many people in the age group of 45 are still the breadwinners of the family and bear most of the financial responsibilities of the family, so it is necessary to purchase a term life insurance.

The point of buying term life insurance is not to protect yourself, but to protect your family, and ensure that your family's life can go on normally in the event of misfortune.

4. Accident insurance.

No one knows who will come first tomorrow and accidents, anyone who is out of the house may encounter a traffic accident, and anyone who goes out to play may accidentally fall and be injured, so accident insurance is very important to everyone.

Hello, I am from Beijing Branch of Pacific Life Insurance. Get straight to the point.

Insurance should be important, and the pillar of the family should first configure insurance, followed by the protection of the family.

The order of application should be: critical illness.

Accidents, pensions, investments. Generally speaking.

15% to 20% of your annual income is the most appropriate way to take out insurance, of course, depending on how well you agree with the insurance.

As for the sum insured. How much is appropriate, we say that insurance is to protect the insured from death or accident resulting in the loss of the ability to work, once the insured is at risk will likely lose income, bringing financial difficulties to the family, so the amount of insurance is generally formulated for 10 years of income, in order to ensure that the risk of the family can not be unbalanced. In addition, insurance with a strong nature of protection cannot be used as an investment to earn income, but can only be used as protection for safety, and at the same time develop a good habit of saving regularly.

These are the things you need to know.

In the selection, it should be noted that: the first is to choose the right insurance company, the second is to choose the right type of insurance, and finally it is very important to choose the right insurance person, at least to find a responsible person. Remember!

Hongxin Life", the main insurance liability: critical illness.

Death, High Disability, Dividends, Conversion Annuity.

Issue age: 30 days old to 60 years old.

Insurance Period: The insured is for life.

Insurance liability: The basic insurance amount is based on the annual amount from the effective date of the contract.

9% of the blessing will be paid once until the death of the insured. The first instalment of the blessing payment will be paid on the effective date of the insurance contract.

At the age of 70, the total amount of premiums paid is paid.

In the event of death before the age of 70, the cash value of the policy at the time of death.

and the total amount of premiums paid, whichever is greater, pays the death benefit.

If you die after the age of 70, the insurance policy at the time of death.

The greater of the cash value and the basic sum assured pays the death benefit.

This product is a participating insurance and participates in the company's dividends every year. Each policy year, the company will provide a dividend report to inform you of the details of the dividend.

Dividends and care payments can be paid annually or in an insurance account with compound interest accrued annually and paid upon termination of this contract or upon application.

Guaranteed benefits: 1. Blessing money: After the policy takes effect, you will receive a blessing payment of 9% of the sum insured every year, that is, a survival fund.

2. Birthday payment: The insured survives to the age of 70 and receives the insurance premium paid as a birthday payment.

3. Death benefit: If you die before the age of 70, the greater of the premium and cash value paid; In the event of death after the age of 70, the greater of the sum insured and the cash value will be paid.

Hello, at this age, family responsibilities are relatively large, and it is recommended to get a cover for accidents, hospitalization and critical illnesses. For more information, it is recommended to add Q for further information. Reference:

Household income distribution chart for the average person A table to explain insurance! Ping An Family Outsmart Life Critical Illness Medical Pension Insurance Enjoy Life Pension Plan.

Critical illness and accident insurance should be considered.

What needs to be paid attention to in this piece is the phenomenon of product upside down.

To put it simply, the money paid is more than the money to accompany you.

At this age, it is easy to have an upside down phenomenon, and you need to pay attention when buying.

Life insurance should choose the amount to be purchased according to the actual situation of the family.

The function of life insurance is to leave some money for the family.

For example, if there are outstanding mortgages, car loans or other debts, this should be covered with corresponding financial gaps.

There are also education expenses or living expenses for children and the elderly, etc., which need to be considered.

Hello. 45 years old should need pension, health, accident insurance, the specific insurance products you can buy also need to be combined with your economic situation to determine, how much premium you can invest each year to determine which insurance products you can buy, because your information is too little, only like this, you can read my article reference: buy women's insurance on demand How to apply for insurance in the year of men's establishment.

Hello. You're very insurance-conscious! Judging from your age, it is recommended to improve social security first, and then consider accident, accident medical treatment, critical illness life insurance, and pension.

Accident, health (critical illness protection), and pension insurance can all be considered. The information you provide is limited and cannot provide you with more detailed suggestions, please refer to the following plan first, and if you are not sure, you can communicate again. Reference: The best gift for parents - universal health none.

Hello friends: The information you provided is not very detailed, I can't give you better advice, I don't know gender, income and occupation? It is recommended that you complete the information and then de-standardize, buy insurance to control less than 20% of your annual income, 45% in the bank for emergencies, and 35% as daily expenses.

According to your situation, it is recommended that you focus on accidents and diseases, pay less, and at the same time play a higher role in the protection function, if you consider dividends or pension products, because of age may be sampled. Hope it helps!

At the age of 45, it is recommended to first improve the most basic social security, pay attention to the protection of serious illnesses, strengthen the double care of accidents, strengthen the supplement of medical treatment, and then reasonably plan financial management and pension reserves, I hope it will help you, I wish you good health! Dedicated to your service and answers.

Accident & Critical Illness & Hospitalization should be your first choice, and if you don't have a pension yet, your regular premiums should be higher. A safe and outsmart life can add a strong protective barrier to your life.

At the age of 45, you can still have a major illness, and you can also provide for the elderly, but there are not many pensions you can get, and there is investment and financial management, there is no guarantee but the income is okay.

Hello, life insurance at your age is the first need, the second is critical illness and medical protection, if you still have an extra budget, you can also choose savings dividend insurance for retirement. Because the specific situation is unknown, it is not possible to make a detailed protection plan for you. Reference:

Three insurance stories interpret the sum insured of Xinhua Insurance Three small insurance stories interpret the sum insured of Xinhua Insurance The sum insured is 1273 yuan per month, solving the problem of couples in their 40s.

At this age, more consideration is given to serious illness medical treatment and pension, and if you are away all year round, you also need to consider accident protection. At this age, the insurance rate is higher, and it is still too late to plan, so the earlier the insurance is planned, the better, I hope you have protection as soon as possible!

Family maturity insurance gives priority to accidents, critical illness and pension, and it is recommended that you improve social insurance and supplement commercial insurance.

Hello, I don't know if you have social security, if not, please improve social security first, and then consider commercial insurance to supplement. Accident insurance, critical illness insurance, medical insurance, and pension insurance can be supplemented in turn. Thank you.

Hello, the information you provide is relatively small, can not be detailed analysis for you, you should supplement the social security at this age, and then use commercial insurance to supplement the protection if conditions permit, it is recommended not to exceed 20% of the total family income

30-50 years old family situation is stable: endowment insurance, critical illness insurance, women's insurance, accidental hospitalization medical insurance (financial management).

Hello: You did not provide the details, where is the gap, first of all, medical, accident and critical illness are the basic protection. Reference:

Advantages of PICC Health Insurance Products 49-year-old Health Bao Personal Care Insurance Section A Protection Why do women need insurance so much? PICC Health --- Care Specialists regularly suffer from critical illness.

Critical illnesses and accidents! And then there's the old-age security!

Hello. Based on your existing coverage, do you have social security? For example, to establish health protection, do you have critical illness insurance?

Is there any accident insurance? Is there any hospital medical insurance? Is there an endowment insurance?

Depending on your income, fill the gap in your existing coverage.

Hello, insurance is to fulfill your wishes, take away your worries, what problems do you want to solve through insurance? When people reach middle age, they must first consider health care and accident medical care, and when they are financially affluent, they must also consider the pension problem after 15 years? The information provided is limited and reasonable advice will be given after detailed communication.

The information provided is not detailed, but it is recommended that you consider medical and critical illness protection first according to your condition!

Hello! At the age of 45, you can buy insurance products such as accident insurance, health insurance, and pension insurance. Here's the analysis:

1. Accident risks are everywhere, if you are in the stage of "old and young", once you are in danger, it will be a heavy blow to yourself and your family, and it will cause a certain economic burden. To do this, you need to buy the right accident insurance to hedge against risks. If you frequently travel by various means of transport, you should choose a comprehensive accident insurance; If you are the breadwinner of your family, the sum insured should be set at about 10 times your annual income.

2. Disease has become a major killer of human beings, 45 years old belongs to the stage of struggle, and it is easier to suffer from diseases due to stress, irregular work and rest, etc., so it is necessary to buy a health insurance. If the economic conditions are good, you can buy returnable health insurance; If you have average economic conditions, you can buy consumer-based health insurance, focusing on critical illness protection and hospitalization allowance.

3. In the current environment, if accident and health protection have been improved, 45-year-old people should buy pension insurance as soon as possible if they want to make their quality of life more secure, so as to avoid the dilemma of having no one to rely on.

Social insurance is recommended to be a must, in commercial insurance, you can give priority to accident insurance, health insurance, life insurance and other protection insurance. If there are still idle funds, you can also configure commercial endowment insurance.

1. What insurance do you need at the age of 45?

Not to mention social security, it is the basic welfare given to us by the state, and it is recommended that we must have it.

In terms of commercial medical insurance, the following types of insurance can be considered:

Medical insurance: The reimbursement amount of millions of medical insurance per year is generally to solve the problem of medical expenses, and after social security reimbursement, the rest will be used for reimbursement.

Accident insurance: Bumps and bumps are very common in life, most accident insurance does not have health notice, one or two hundred yuan per year can have hundreds of thousands of insurance amounts, it is recommended that each age group should configure one.

Critical illness insurance: Mainly to make up for the loss of income caused by being unable to work after a serious illness, the maximum insurance age of many critical illness insurance is 55 years old, so at the age of 45, critical illness insurance must be configured as soon as possible.

Life insurance: Life insurance is generally allocated to the family's financial pillar to prevent the person making the money from being absent and the whole family from falling into trouble.

Therefore, if the parents still have a good income and also bear family responsibilities, they can consider term life insurance, for example, to cover the age of 60 or 65, which can cover the income age of the parents.

Pension insurance: pay a sum of money first, and then return it on time, which can be used as a pension.

What is the best age to buy insurance?

This product supports people born 30 years old to 64 years old, and the insurance liability of this product covers pension, death benefit, optional disease death benefit, nursing care insurance benefit, and death critical illness waiver premium. Its advantage is that the minimum investment threshold is low, with an annual payment of 65 yuan, and it can be guaranteed to receive it for 25 years, and the longest guarantee is to receive it until the age of 80, and its cash value still exists after receiving the annuity. However, the fixed monthly claim amount of this product is low.

2. Love Life Pension Insurance.

This product supports people aged 7 days to 69 years old, covering a wide range of ages, and can also be insured after retirement. This product does not have a *** claim function, but the fixed amount is very high, the survival income is very good, as long as the insured survives, its total survival benefit is very high. However, it should be noted that the cash value of the policy will gradually decrease after the product is claimed.