It s economical and affordable, so you re sure you don t want to buy it! How to buy the most cost ef

Some families spend tens of thousands of yuan every year when buying insurance. This also makes many people lament that insurance products are very expensive and ordinary people simply cannot afford them. There are many risks we face in life, including financial risks and disease risks.

Many insurance products are relatively close to the people, but we haven't found it. As long as you buy the right insurance product, you won't spend a lot of money on insurance every year. So, how to buy insurance is the most cost-effective?

First, I didn't know what the purpose of the insurance product was. If you just think of the protection function, then you only need to buy pure consumption insurance products. This type of insurance product is relatively cheap, and may be more than half cheaper than insurance products with additional features.

Nowadays, the functions of insurance products tend to be more diversified, for example, insurance companies have launched insurance products with savings functions and insurance products with investment and wealth management functions. This kind of insurance product with additional features** is definitely more expensive, and some low-income families are less likely to buy it. <>

Second, the insurance products that need to be purchased are different for different ages. In a family, both the elderly and children do not need to buy life insurance products. The beneficiary of life insurance products is not the policyholder itself, and the main purpose of purchasing life insurance is to ensure the normal life of the family after death.

Therefore, compared with the elderly and children, the pillars of the family are more suitable for buying life insurance products. Also a life insurance product, term life insurance is much cheaper than whole life insurance. Whole life insurance is more like an investment type of insurance, where a sum of money is deposited in the account every year until death and can be inherited by heirs.

However, buying whole life insurance can greatly limit the liquidity of cash. <>

Third, there are still many cheap insurance products on the market. For example, accident insurance, medical insurance, and critical illness insurance. These insurance products** are relatively cheap, but the older you get, the more premiums you need to pay to purchase critical illness and medical insurance products.

I think it's better to buy critical illness insurance, and it's good to buy some Ping An insurance.

If you want to buy a good deal of insurance, it depends on how you balance the premium, the sum insured and the content of the coverage, because they are the three most important parts of an insurance.

Buy the insurance you need and need first. Buy medical insurance first, then buy accident insurance, choose a larger platform to buy it will be cheaper and more reliable, and finally allocate the critical illness insurance and life insurance you need according to the situation.

To buy insurance, you can go to Chinese Life Insurance Shares **** or go to Ping An Insurance Company to inquire. Depending on your age, the insurance company staff will buy which insurance plans are more suitable for you for different age groups.

If you want to buy insurance, you don't know which one is more economical. You'd better make some comparisons on this. Normal. The country's insurance companies go to consult, for example, life insurance companies. Go there and ask for advice, there are many types of insurance. There's definitely one for you.

If you want to buy insurance, it must be based on the safety of your family, so don't put financial benefits first! After all, a good insurance plan has a wide range of insurance, and if the amount of insurance is large, you will definitely benefit a lot! Choose insurance or try to choose the insurance of a large company, because when you encounter a problem, the insurance company will solve it very formally, have a good handling process, will not delay you and waste your time, it is good for you!

Critical illness insurance and accident insurance should be purchased. Risk should be everywhere.

Now to buy insurance, it is generally more cost-effective to buy critical illness insurance, medical insurance and accident insurance, which can help us resist the economic losses caused by diseases and accidents. In addition, what insurance products are the most cost-effective to buy still needs to be analyzed by me in a concise and specific situation. Before buying insurance, friends can take a look at the following article:

How to buy the most cost-effective insurance?

First of all, the vast majority of insurance products on the market have a set insurance age, if we buy insurance at a younger age, then the premium will generally be relatively cheaper, and the more cost-effective it will be for us.

In addition, the premium of insurance products is also related to many factors, such as the content of the benefit, gender, sum insured, payment period, coverage period, etc. For example, the premium of whole life critical illness insurance is relatively higher than that of term critical illness insurance, and friends who do not have enough budget can also choose term critical illness insurance to protect themselves. If you still don't know what critical illness insurance you should choose, you can take a look at the following article:

Should I choose term or lifetime critical illness insurance?

Having said that, if friends want to buy insurance, they must pay attention to the product itself, such as the content of protection, policy rights, value-added services, etc. For example, some critical illness insurance and medical insurance products on the market will also provide us with value-added services, which may enable us to obtain better protection, which is also more cost-effective. For example, the Versailles Plus Critical Illness Insurance under Tongfang Global Life Insurance provides us with green pass services, which can solve our problems such as difficulty in seeing a doctor to a certain extent.

If you want to know more about this product, you can poke:Versailles Plus Critical Illness Insurance is back, an in-depth review must be seen before buying!

Hopefully!

"Is it cost-effective to buy insurance? ”

Not cost-effective. "I have met a lot of friends who say this, and indeed, I can think so.

It is not cost-effective to buy any insurance, because insurance is a kind of compensation, either to compensate for the cost of medical expenses, or to compensate for the loss of income or the value of life. No amount of compensation is as high as the income under normal circumstances, nor is it as great as the contribution of a healthy person to the family.

If there is no insurance, who will compensate us for our lives and who will compensate for the future of our children?

A few days ago, a customer who had a claim of 100,000 yuan for a critical illness came to surrender the policy, she was 48 years old, had paid for 3 years, and paid 4,700 yuan a year, unfortunately suffered from cancer last year, and received a compensation of 100,000 yuan, is it cost-effective?

It can be said that it is cost-effective, the payment is less than 10,000, and the loss is 100,000, and the hospitalization expenses can continue to be reimbursed in the future. It can also be said that it is not cost-effective, it will be difficult to participate in work in the future, not only the income will be interrupted, but also the family will need to take care of it, and the loss will not exceed 100,000 yuan.

But insurance was not the cause of her loss, and with insurance, her situation was better. It's a pity that the insurance amount is too low, if the insurance amount of 500,000 yuan was insured at that time, many difficulties can be solved, and she can rest assured** and no longer worry about her family.

When everything is normal, we create wealth for the family, and when the risk comes, the insurance allows the future income to come earlier, so that we can rest assured that everything can be restored to health.

What is not cost-effective is the risk, and insurance is the consideration paid to avoid a disaster-induced risk. Without insurance, we have to bear all the difficulties when the risk comes, which is actually not cost-effective; It is the most cost-effective thing to ensure the stability and happiness of the family's future life with a small premium expenditure.

People's insurance is actually similar to the insurance of the car, the car must be insured, because if you don't pay it, you can't get on the road, and the insurance of the car is a consumer product, which will not be returned once a year. If the car is insured, why don't people enter the insurance, is the car more valuable than the person?

To put it bluntly, buying insurance is to save a sum of money for yourself, if there is an accident, it can reimburse you, and if not, you can take out the money as a pension when you are old.

If you can guarantee that you will not get sick for the rest of your life, then I don't think it is cost-effective to buy insurance.

Supplement downstairs.

If you can guarantee that your family will not get sick for a lifetime, then I think it is not cost-effective to buy insuranceIf you can guarantee that your family will not spend money for a lifetime, then I think it is not cost-effective to buy insuranceIf you can ensure that your family will not spend money for a lifetime, then I think it is not cost-effective to buy insurance.

Buying insurance is the most practical way to buy a product that suits you and doesn't exceed your budget. For detailed insurance related advice, please click this article to get "The correct insurance posture, teach you how to apply for insurance in a few minutes!".》

People of different ages face different problems, so when buying insurance, which insurance product is the most practical according to different age groups, the types of insurance purchased by children are generally education insurance, accident insurance, critical illness insurance, etc.;The types of insurance purchased by middle-aged and elderly users are generally accident insurance, critical illness insurance, life insurance, etc.

1. Children's insurance.

Children's insurance is also a thing that everyone is more concerned about now, children in the growth and development stage, because of the lack of resistance, self-birth and lack of self-protection awareness, etc., so they may encounter disease infection, or accidents, etc., so whether it is for the sake of the child or for the family responsibility, you should buy the right insurance for the child.

Generally speaking, the most common types of insurance purchased by parents for their children are education insurance, accident insurance, critical illness insurance, etc. Your baby's accident insurance can protect your child against the unexpected. Critical illness insurance can protect your child from critical illness, etc.

2. Insurance for the elderly.

As people pay more and more attention to insurance, many users with economic conditions have begun to buy commercial insurance for themselves to provide more protection for their lives. However, many users still don't know what kind of insurance they need to choose when choosing to buy insurance.

If you reach the age of 55, first of all, your physical condition and economic growth ability will be different from that of young people, then at least you should configure social security for yourself, because social security includes medical insurance and endowment insurance, and after configuring social security, you can buy commercial insurance according to your actual situation.

Elderly people may sometimes fall due to leg inconvenience when they reach age, so if possible, users can purchase accident insurance. In addition, illness insurance can be purchased according to physical conditions, and generally many users will buy critical illness insurance, cancer insurance, etc. for themselves. However, the premiums of general health insurance increase according to the age of the user, so the premium that may need to be borne by purchasing critical illness insurance at the age of 55 will be relatively high.

Friends who will not help the elderly configure insurance, it is recommended to look here: "How to buy insurance for the middle-aged and elderly?" What kind of insurance can I buy for my parents? You can understand it at a glance

Many friends don't know how to buy insurance, and my dad will teach you how to buy insurance is the most practical.

If you are afraid of being cheated when buying insurance, it is recommended to take a look at this article: "What are the precautions for buying insurance?" Do you know it all? 》

It is often said within the insurance industry".Seven policies for lifeIt is an accident insurance policy, a serious illness medical policy, a life insurance policy, a children's accident, hospitalization, serious illness policy, a children's education policy, a pension policy, a inheritance policy, of course, taking into account your own willingness to buy and economic situation, it is roughly divided into the following three levels:

The first layer: the basic protection necessary for everyone: accident insurance policy + critical illness medical policy + life policy.

It is said that it must be closely related to our lives, and it is said that it is based because the premium of several thousand dollars a year is not high. No one knows which will come first, tomorrow or the accident, and the leverage effect of accident insurance with low premiums and high protection can balance the economic losses caused by many "unlucky" things in life. In recent years, the incidence of malignant tumors has become higher and higher, and more and more people around them are shrouded in the haze of malignant tumors.

If you are stable in your old age and die without illness, then a life insurance policy can also help you live after you die, and you can walk in a beautiful way without burdening your children.

The second layer: the stability of each family: children's accident, hospitalization, serious illness policy + children's education policy + pension policy.

If you are married and have children, you are most concerned about your children, so why should you expose your children to risk while buying accident insurance and critical illness medical insurance for yourself? The economy has been moving forward and inflation has persisted, so it is of course cost-effective to start the insurance with a fixed annual payment and pay for a fixed amount of time for a certain period of time. Calculate an account, if an insurance requirement is paid 6,000 yuan a year for 20 years, then what will become under the pressure of inflation?

The per capita GDP in 2017 was 59,261 yuan, and the per capita GDP in 1997 was 6,481 yuan. Therefore, although the children are young, they will receive very considerable benefits in the long term if they apply for insurance as soon as possible.

The third layer: the inheritance of love behind the death: the inheritance of the policy.

People will eventually leave the day when they leave, and what will be left behind after leaving the people around them is a dream or a nightmare? We've heard too many stories of people who have left behind huge debts, and we've heard the news that cemeteries are now more expensive than house prices, so should the insurance company give their families a little comfort or make them have to spend a lot of money when they lose a loved one? Legacy insurance is not only an insurance policy, but also a inheritance of love for your family.

You can click here to click on me, intelligently calculate the most suitable family protection plan for you, and then make trade-offs according to your insurance intentions, so as to achieve no duplication or omission of protection to the greatest extent