I am male, 46 years old, in good health, I want to buy an insurance now, what kind of better to buy

Tube of the full point! Retirement, health, accidents.

Hello friend. The essence of insurance is protection, including accidents, health and pension.

If you want to buy a fixed-term one, you can keep it until you are 70 years old, and Xianghe Wanjia is a good choice.

If you choose a lifelong one, you can buy a health fortune star, and the sum insured will increase by 3% every year.

If you are interested, please contact me!

Hello, first of all you need accident insurance, health, dividends, pension insurance, and it is recommended that life Da Ruixin.

At the age of 46, I still recommend health insurance with pure protection and no dividends. Because ordinary people actually decline their physical functions after the age of 40, the risk of cardiovascular and cerebrovascular diseases is relatively large. If you want to plan health insurance, it is best to find several different insurance companies, choose the most suitable protection for yourself, and call customer service ** for detailed consultation in planning money.

It's better not to buy favor lists.

Yes, go to a life insurance company to see which one is better for you.

If you don't have insurance, it's a good idea to focus on serious illnesses and accidents first. In the choice of financial management, retirement. China Evergreen, low premium, comprehensive protection. High current price.

Hello, you have such an insurance awareness, which means that you are a visionary, what do you pay attention to first? Whether it is a security type, a pension type, or a financial management type, it depends on the needs of you, in order to give you tailor-made If you have needs, please contact us, we are happy to serve you.

Da Ruixin, Chinese Life, critical accident insurance can also provide for the elderly (sick insurance, sick pension) ......

Taikang Life's all-in-one protector, which covers both accidents and critical illnesses, is a low-premium, high-protection product, contact me for details.

Hello, it is very good to buy Corning lifelong critical illness plus inpatient medical treatment at your age to buy Chinese life, if you need more information, please call for consultation.

Hello, the physical constitution of the person decreases after reaching 40. 'It is recommended that you take out coverage for both major and minor illnesses.

What do you pay attention to in terms of security, pension and financial management? Inquire about QQ, and I will tailor a suitable protection plan for you according to your actual situation.

It is recommended that you purchase accident and critical illness protection first.

Hello recommend Taiping Health Benefits +,

There are consumption, savings and protection. For more information, please call WeChat.

The golden blessing of the Pacific Ocean, the sick are protected from the sick, and the sick are not old-aged.

When buying insurance for 40-year-olds, they need to choose the right type of insurance according to their actual protection needs, economic conditions 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 what you need to plan for:

1. Accident risks are everywhere, once a forty-year-old person is out of danger, it will be a heavy blow to himself and his family, and it will cause a certain economic burden, you should buy a suitable accident insurance to avoid 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, and people at the age of 40 are prone to suffer from diseases due to stress, irregular work and rest, etc., so they should 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.

For people in their 40s, who are at the peak of their careers or at a critical stage of their lives, no matter from which point of view, it is perfect to add a layer of protection to themselves, and just like people of other ages, what insurance is good to buy at the age of 40? It's still a thing that bothers them.

What insurance is good for a 40 year old? Pension and life insurance are available. Generally speaking, if the elderly in their 50s buy endowment insurance, it is no longer very suitable, because the rate of many life insurance products increases with age, and for 40-year-olds, this age is just right.

Because the rates of life insurance products increase with age, in this case, the sum of the total premiums paid by the policyholder after the expiration of the payment period is greater than the sum of the various benefits and benefits that the insured can receive.

As the age increases, the probability of unintentional injuries for people in their 40s is also increasing year by year. There are relatively few insurance products for this age group, so many people in the 40-year-old age group will consider buying accident insurance first.

Buying insurance in your forties is as follows:

1. Millions of medical insurance, after all, talk about it, in their 40s, the age gradually increases, their medical needs will increase, and the 40s are also the age of serious illness, you can configure millions of medical insurance, millions of medical insurance coverage amounts, plus cheap premiums, generally affordable, after all, you can reimburse medical expenses for serious diseases, and you can consider ensuring that medical insurance will not be affected by health changes when choosing millions of medical insurance.

2.Accident insurance, in your forties, with a heavy family burden, can buy accident insurance to prevent accidental injuries and ensure the normal operation of yourself and your family.

3. Critical illness insurance, more than 40 years old is also an age group with a high incidence of serious illness, critical illness insurance can deal with the damage caused by serious illness, after all, critical illness insurance is a fixed amount of insurance, and the diagnosis of serious illness can pay insurance premiums, which can make up for the loss of income caused by serious illness.

4. Term life insurance, to ensure death or total disability, once an insured accident occurs, the beneficiary can be compensated, can solve the normal expenses of family members, after all, in their forties, as the family economy comes to this source, once it declines, life insurance compensation insurance can make the family not lose dependence.

At the age of 46, he is basically in the stage of "old and young", with heavy family responsibilities and the risk of accidents everywhere. At this time, it is a very good decision to buy insurance to give yourself a good protection. If you don't know what insurance to buy for yourself, you can take a look at this article for you who haven't bought insurance at the age of 46Which insurance is right for you at 46 years old?

At this time, it is often the stage of high incidence of various major diseases, so at the age of 46, you can consider purchasing critical illness insurance, medical insurance, accident insurance and term life insurance.

1. Critical illness insurance:

After the age of 46, the risk of critical illness will increase, especially the risk of cancer will increase dramatically. In China, the ** period of a critical illness is 3-5 years, and when you wait, you may have lost your job; Besides, there is no way to guarantee the ** fee and nutrition fee.

If there is a claim of hundreds of thousands of critical illness insurance, not only can these expenses be solved, but the remaining money can also be used to start a new business, etc., so critical illness insurance is a necessary type of insurance, if you don't know how to choose critical illness insurance,I recommend taking a look at the top 10 critical illness insurance policies that I have selected that are worth buying:

Updated every Monday! 【Over 45 years old】Top 10 popular critical illness insurance points worth buying!

2. Medical insurance:

At the age of 46, physical function began to decline, staying up late to drink and socialize, and some physical problems gradually appeared. The million-dollar medical insurance in the medical insurance can be reimbursed to the millions; In addition, the million medical insurance can pay for hospitalization expenses, proton heavy ion reimbursement and other value-added services; Moreover, the annual premium of million medical insurance is several hundred yuan, and the insured amount can go to 200-3 million, which is cost-effective! There are many options for medical insurance. If you want to buy decent medical insurance for less at the age of 46, you can also check out this article:

The top 10 million medical insurance rankings are newly released!

3. Accident insurance:

At the age of 46, he has to work hard outside every day, and it is easy to face accidents such as car accidents, falls and sprains; Accident insurance protects accidental death, disability, etc., and buying accident insurance is actually equivalent to buying a safe; The ** of accident insurance is also relatively low, so it is also necessary to purchase an accident insurance.

4.Term life insurance.

At this age, you not only have to honor your parents, but also raise your children, and you have to pay off your car loan and housing loan. In the unfortunate event of death, it is a heavy blow to your parents, wife and children, and when you can no longer fulfill your responsibilities, life insurance can help you take on this responsibility and leave a minimum of financial security for your family.

Focus on accidents and medical treatment, and if conditions permit, you can make a major illness insurance plan.

Consider accident and critical illness insurance first, and then buy an endowment insurance if possible.

At this age, you should buy a protection type of critical illness insurance.

At the age of 40, middle-aged, it is generally recommended to allocate critical illness insurance, medical insurance, accident insurance and life insurance.

Next, the senior sister will tell you how to buy these insurances.

1.Critical illness insurance.

Once a 40-year-old suffers from a serious illness, not only will they incur a lot of expenses, but also they will have no income during the treatment period, ** needs after the treatment, and the expenses for family life and so on. If you are equipped with critical illness insurance, you can reduce the economic loss caused by the illness after meeting the claim conditions.

When buying critical illness insurance, we should pay attention to the content of the protection. For example, whether the coverage for mild and moderate illnesses is complete, and whether multiple claims and additional claims for high-incidence diseases are provided. At present, the better critical illness insurance in the market not only has complete protection for mild and moderate illnesses, but also the compensation ratio for mild and moderate illnesses can reach 30% and 60% of the basic sum insured respectively, in addition to providing additional compensation for mild, medium and severe illnesses, and some can pay up to 80% of the basic sum assured.

2.Medical insurance.

Medical insurance can be used to reimburse medical expenses outside the scope of medical insurance and reduce the loss of medical expenses.

When buying medical insurance, we should pay attention to the coverage.

At present, most of the medical insurance in the market can provide general medical treatment and critical illness medical treatment, while better medical insurance will also provide out-of-hospital medical treatment for specific drug costs, specific equipment and consumables costs, etc., which can help the insured have the opportunity to reduce more medical expenses. There are a lot of excellent medical insurance here, and those who need it can click to view: Recommended for 40-year-old you:

Top 10 Million Medical Insurance Worth Buying!

3.Accident insurance, life insurance.

Accident insurance mainly covers accidental dismemberment or death. If you want to choose to provide accident medical treatment when you purchase accident insurance, you can have the opportunity to reimburse part of the accidental medical expenses.

Life insurance, mainly for life, can leave a sum of money to the family when they unfortunately pass away. When buying life insurance, you should choose according to your own economic situation. If you have a low income and heavy debt, you can choose term life insurance, which can get a higher sum insured with a lower premium; If you have a high income and sufficient funds, you can choose whole life insurance, and after your death in later life, the death insurance benefit can be passed on to your children as property.