I want to take out a life insurance policy10

Insurance is a kind of long-term planning, and it is generally appropriate to plan out 10% to 15% of personal income. The order is:

1. Accident insurance: accidental injury, accidental medical treatment (low rate, high protection, small probability of insurance).

2. Health insurance: critical illness and hospitalization (the rate is divided by age, and the older the rate, the higher the rate).

3. Endowment insurance: You can consider it later, its rate is relatively fixed, mainly depending on the amount of protection you want to get.

4. Life insurance: that is, death insurance, which can be left to the heirs.

If you are already married, you should consider who the family's income is mainly from, and give the most insurance to the person with the most income.

You can consult the local insurance ** person for the specific question of how much to pay, each insurance company has different rates for each type of insurance, but they are all related to age, the younger the lower the rate. Plan early.

Personally, I think you are still very young, it is too early to buy pension insurance, and it is best to consider health and accidents at this age, and if these two are sufficient, you should consider pension.

You are the best person, how to introduce it to you, but the insurance company still has to choose Ping An, after all, it is a large company with strength, and the claim will be happy at that time, if you want to know more about it, then talk about it, I want to work at home at night and during the day.

Legal Analysis: Yes. The policyholder is the person who pays the premium, the insured is the person who enjoys the insurance protection, and the policyholder can insure himself.

If the insured is not a person, someone needs to continue to pay the premium after the death of the policyholder (if it is not paid, the contract will be suspended and the insurance will become invalid).

Legal basis: Article 27 of the Insurance Law of the People's Republic of China If no insured accident has occurred, but the insured or beneficiary falsely claims that an insured accident has occurred and submits a request for compensation or payment of insurance money to the insurer, the insurer has the right to terminate the contract and not refund the insurance premium.

If the policyholder or the insured intentionally causes an insured accident, the insurer has the right to terminate the contract and shall not be liable for compensation or payment of insurance money; Except as provided for in Article 43 of this Law, insurance premiums shall not be refunded.

If, after the occurrence of an insured event, the policyholder, the insured or the beneficiary fabricates a false cause of the accident or exaggerates the extent of the loss by means of forged or altered relevant certificates, materials or other evidence, the insurer shall not be liable for compensation or payment of insurance money for the part falsely stated.

Where the policyholder, the insured, or the beneficiary commits any of the acts provided for in the preceding three paragraphs, causing the insurer to pay insurance money or expenses, it shall be refunded or compensated.

Hello, this one is totally fine.

Adults aged 18 and over can insure themselves and their immediate family members, as stipulated in the Insurance Act.

Immediate family members include parents, children, spouses.

Yes, the insured person can be the same person, husband and wife, or immediate family member.

With the development of society, the increase of residents' income, many people's ideology has begun to change, many people used to think that insurance is the best, but with the insurance in the society to play more and more role, many people began to accept insurance, and even for themselves and their families have purchased a lot of insurance. However, buying insurance is not a random purchase, but needs to consider many aspects, so how do we buy life insurance?

Consider the financial strength of the individual

Life insurance is a long-term investment that needs to be paid for ten, twenty or even thirty years, so when buying life insurance, you must seriously consider whether you can afford to pay for this insurance, and at the same time confirm whether you need this insurance. If you really need it, then you need to read the terms of the insurance clearly, figure out the content and scope of this insurance, and it is best to choose a comprehensive and not very expensive insurance. The cost of investing in insurance is generally 10% of the family's economic income, which is ideal, once it exceeds this range, then it may cause greater financial pressure.

Choose a competent insurance salesperson

Many people buy insurance from their friends and relatives, because they always feel that they will not deceive themselves, but they do not know that many insurance practitioners deceive their relatives and friends first. When we buy insurance, don't think that the other party is your friends and relatives and pay for it, but to understand the other party's ability and understanding of insurance, if he doesn't even know the insurance he sells, then this person will do it for a long time? Is he capable of helping customers solve problems when something goes wrong?

Insurance practitioners are qualified to have a certain certification, and also need to have an insurance business license issued by the Insurance Authority, in addition to this, it is best that this insurance salesperson has been engaged in the insurance industry for many years.

Choose a payment method that works for you

Generally, insurance companies have two payment methods, one is annual payment and the other is monthly payment. The annual fee is relatively low, but if you need to pay more expenses a year, some people will be under greater financial pressure. The financial pressure of monthly payment is relatively easy, but the fee will be slightly more expensive than annual payment.

Both payment methods have their own benefits, and you can choose according to your actual situation.

We can go to the life insurance company for consultation, choose the life insurance that suits us, and we can buy life insurance with the staff.

When buying life insurance, you must choose different types of life insurance based on your personal needs; When signing a contract, be sure to read the relevant provisions carefully, and if you find it too cumbersome, you can consult a lawyer to help you check the contract.

We can go to some banks to buy life insurance, and when we buy it, we must read the regulations carefully, they have many types, and we must choose the most suitable one for ourselves, and we must not just listen to the sales pitch of the insurance officer.

I think we try to buy them separately so that we can be more secure and we will know how to compensate if something goes wrong.

Chinese Life Insurance Personal Inquiry Online Inquiry:

4. Inquire about policy information: The policy information that can be queried in the customer service system of Chinese Life** includes the basic information of the name of the insurance purchased, the amount of insurance, and the policyholder; As well as the amount of recently completed payment and insurance benefits paid, the reminder of renewal premium payment and insurance payment that you are most concerned about, etc.; Tsaizao Investment-linked or universal customers can also inquire about the status of account assets and reconcile the previous orders of the bank.

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

Summary. Kin-kiss life insurance is a type of life insurance, which takes the life of the insured as the subject of insurance and the life or death of the insured as the condition of payment[1]. As with all insurance businesses, the insured passes the risk to the insurer, accepts the insurer's terms and pays the premium.

Life insurance is a type of life insurance, which takes the life of the insured as the subject of insurance, and the life insurance of the insured and the survival or death of the insured as the condition of payment[1]. As with all insurance businesses, the insured passes the risk to the insurer, accepts the insurer's terms and pays the premium.

Unlike other insurances, life insurance transfers the risk of survival or death of the insured.

And I asked, "I used to have the insurance that my family bought and I wanted to get a survival fund."

Dear, the life insurance survival fund collection process is as follows: 1. First of all, you need to log in to the official app account of Chinese Life First with a vertical account, select "Policy" to enter the policy inquiry page; 2. Then select "Go to View" to enter the list of Chinese life insurance policies purchased by individuals, click on the policy that needs to receive survival benefits, and enter the policy details; 3. Select the "Yu Sui this payment and payment - maturity payment" clan in turn; 4. After carefully checking the bank account, enter the verification code and click "OK".

Dear, yes.

Now it's a customer service information authentication failure, and after the modification, you can enter it directly, right?

Dear, yes, if you can't get it, you can go directly to the offline with your ID to get it.

If you pick it up offline, you can get it on the same day, so you still need to wait.

Dear, offline collection needs to wait for the insurance company's review, and the payment will be made after the audit is completed.

At present, life insurance can be purchased through online or offline channels, and online channels, you can purchase through third-party insurance product sales platforms; In the case of offline channels, you can go to the offline business outlets of major insurance companies by yourself, or apply for insurance through offline insurance salesmen.

Is it reliable to buy insurance online? What is the difference between online and offline insurance?

So next, the senior sister will introduce to you what methods are included in online insurance and offline insurance! Don't talk nonsense, go straight to the dry goods!

1.Apply online

At present, the channels for buying insurance online include: insurance brokerage companies, official websites of insurance companies and exclusive apps. Of course, in addition to the above insurance methods, ** sales, the official WeChat of insurance companies and other channels can also be insured.

What about internet insurance companies? After reading this analysis, you will not suffer!

2.Apply offline

Offline insurance actually refers to the purchase of insurance through the promotion of offline insurance salesmen or going to offline insurance companies' business halls and insurance intermediaries.

For example, large insurance companies such as Ping An or Pacific Life Insurance have a lot of offline business outlets, and we can go directly to the offline business outlets to apply for insurance. In addition, we can also apply for insurance through offline insurance salesmen.

[Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insuranceHope.

Chinese life insurance should pay attention to the order of purchase: must first protect products, including 1, consumption: accident insurance, term life insurance, etc.

2. Accumulation type: whole life insurance, comprehensive insurance, etc. And then there's health insurance:

General medical care, serious illness medical insurance, etc.; Pension insurance, children's education funds, investment dividend products, etc.

At the same time, the principle of pure insurance needs to be paid attention to:

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

2. Buying insurance is light on words and heavy on contracts, life insurance is generally a medium and long-term contract, and you can become a lifelong happiness if you buy it.

3. Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and it must be able to curb inflation.

4. To buy insurance, you must first protect the head of the family, if the main acres of the family and the wealth creator are not protected, then the premiums, living expenses and other family expenses are not guaranteed.

5. Buy insurance first adults and then children, if adults are not protected, it is meaningless for children to have more insurance, after all, it is adults who pay for children.