I m just 440 years old, what is the best insurance to buy?

Hello! When buying insurance for 40-year-olds, they need to choose the right type of insurance according to their actual protection needs, economic status and other factors, and the one that suits them is the best. Generally speaking, accident insurance, health insurance, and life insurance are all suitable products. Here's how:

1. Accident risks are everywhere, 40-year-old people are generally in the stage of "old and young", once out of danger, it is a heavy blow to themselves and their families, 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, 40 years old belongs to the stage of struggle, and 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. 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. If accident and health protection have been perfected, people at the age of 40 still need to buy a suitable life insurance, which can help you achieve wealth appreciation and is also a reflection of the person in charge of your family. Accident insurance, health insurance, and life insurance are all good choices that are more suitable for people in their 40s.

You should be wrong about age.

How to buy insurance for a 44-year-old person, I will give you an insurance strategy below.

Let's talk about the best insurance configuration for 44 years old: critical illness insurance + life insurance + medical insurance + accident insurance.

Why do you need to buy critical illness insurance: On the one hand, the age of 44 is a critical period for your career, and if you suffer from a critical illness and fall down as the breadwinner of your family, it will not only require high expenses, but also affect your work income.

The role of critical illness insurance is to transfer this risk, in case of unfortunate critical illness, it can also make the family's financial pressure less great! On the other hand, the probability of suffering from critical illness after the age of 30 has increased significantly, 30 60 years old is the age group with a high incidence of critical illness, and the premium of critical illness insurance will increase with age, so you can't hesitate anymore at the age of 44!

How important is life insurance: When a family breadwinner dies, a happy family will be shattered and unable to maintain its quality of life. The role of life insurance is that after your death, your family can be compensated financially, maintain your original life, and continue your love and responsibility.

At the age of 44, it is recommended to buy term life insurance, because the ** of fixed life is several times cheaper than whole life insurance, and it is more cost-effective!

For example, these term life insurance policies are very cost-effective:"Inventory of the Top Ten Cost-effective Life Insurance Lists in 2021".

Medical insurance is a supplement to medical insurance, medical insurance reimbursement scope is wider, the reimbursement ratio is higher, such as medical insurance can not be reported for specific drugs, purchased drugs, it can be reimbursed, and the reimbursement amount is higher. If you buy a medical insurance policy at the age of 44, you can have a reimbursement amount of several million yuan for two or three hundred per year.

How to buy:"Inventory of the Top 10 Super Cost-effective Million Medical Insurance".

Accident insurance covers all kinds of bodily injuries caused by it, and is suitable for people of all ages, with low premiums, high sum insured, and a wide range of coverage.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will use my years of experience in configuring insurance for 10w+ families to give you the most professional advice.

At the age of 44, it is most cost-effective to buy critical illness insurance, million medical insurance, accident insurance, and term life insurance.

Critical illness insurance mainly provides critical illness protection, with a one-time payment of insurance benefits, which can be used for ** expenses, medical expenses, loss of income, etc.

The coverage of the Million Medical Insurance is usually not divided into illnesses or accidents, and the reimbursement amount is often in the millions.

Accident insurance is highly leveraged, and the company can usually cover accidental medical treatment, disability and accidental death, which is cheaper.

Term life insurance is designed to protect the family's daily life after death, and can be insured until retirement age.

First of all, social insurance, such as urban social security and rural cooperative medical care, must be participated, and it is still relatively effective.

In addition, in terms of commercial insurance, I would like to make an explanation

1. This age group can focus on accident insurance. Because accident insurance has the characteristics of low premiums and high personal protection, the insurance rate before the age of 65 is mostly the same as that of young people, and the first choice is accident insurance and accident medical insurance.

2. As for the pension problem, there is no room for operation at this age, even if there is a macro number of types of insurance, it is actually ineffective, and it is easy to invest by mistake, so it is not recommended.

3. As for the guarantee of burying diseases in large acres, you can vote, but you have to do what you can! Because the premium is much more expensive at this age, if the financial conditions can, you can get it up appropriately.

4. I think the most important thing is to make your own risk protection for your children, most of the parents still have to rely on children like you, so doing your own risk protection is also to protect your parents.

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

You can choose to purchase the following two types of coverage for yourself.

1. Buy yourself a guarantee. Buy a health insurance, accident insurance, medical insurance, etc. (The most basic arrangement).

2. Save money for yourself until retirement as a supplementary pension for social security. Buy an old-age pension and savings dividend insurance. (conditionally prepared).

Protection insurance can be divided into the following three types of insurance:

1. Life insurance: This type of insurance protects the liability of the insured for death. (It is divided into term and whole life, and the main insurance of general critical illness insurance is whole life insurance).

2. Accident insurance: This type of insurance only compensates for death, disability and medical expenses caused by accidents. This type of insurance is purchased to address the risk of a family member losing their ability to work due to an accident or illness, resulting in a significant reduction or even loss of family income.

3. Critical illness insurance: The high cost of critical illness has a significant impact on the family economy, and the family will definitely do its best to treat the loss of income of the family economic pillar. Critical illness insurance is not medical insurance, it is a health insurance, a loss of income insurance for work, and is linked to the customer's income. Critical illness insurance provides not only a fee, but also a fee that ensures that the customer maintains their original standard of living for five years – these expenses can ensure that the customer has a worry-free life, the car loan and mortgage are repaid, the children's education is not affected, and the responsibility of supporting the parents continues.

For life insurance and critical illness, it can be divided into the following three types:

Regular consumption type, generally to protect to 60 years old, 70 years old, insurance premiums are not returned, if you do not make a claim, the money will be consumed, and the insurance premium is the least paid.

Lifetime return type, that is, to protect for life, pay money for illness, not to get sick, in case of absence, the money will be left to the family.

The regular return type is to protect the 70-year-old, 80-year-old, get sick compensation section pants money, not sick to the age of 70 and 80 years old to return to the capital, as a pension supplement.

The above three types of insurance premium payment can be followed by regular return type, lifetime return to the middle combustion and return type, and regular consumption type.

For accident insurance, it can be divided into the following two types:

1. Consumption: The insurance premium ranges from 100-1,000 yuan for one year, and the insurance amount ranges from 100,000-1 million.

2. Return type: 2217 for one year, 10 years, a total of 22,170 yuan for 30 years, 2 million self-driving accident insurance, 1.2 million public transportation accident insurance, 200,000 ordinary accident insurance, 100 yuan of accidental hospitalization allowance for 100 yuan, and 27,712 yuan after 30 years.

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

When buying insurance, you should first choose social security, and then you can consider commercial insurance, which first considers health, and so on.

This age is okay, and in a few years it will not be cost-effective, and the premium will be very high.