What are the best insurance policies in history?

The sense of security given by insurance cannot be given by personal bodyguards.

But too many salespeople blow some junk insurance into a panacea and bluff our thrilling ......

As a result, many people found that after buying it, they did not ...... insurance at all

Today I'm going to pick up, which insurance pits are out of the sky, don't touch it!

1. Return-type insurance

Consumer insurance is to point out that the compensation is done, and the contract will end when it expires. Return-type insurance is an insurance that points out that you can lose money if something happens, and you will get a refund of your premium. This kind of insurance, if you just look at the name, I am also tempted, but in fact, it is more pitted than a sinkhole.

(1) Premiums are more expensiveWith the same coverage and the same amount insured, the cost of return-type insurance is usually twice or even 3 times that of consumer insurance.

(2) Low returnsSome return-type insurance can even return more money than the premium, this is because the insurance company takes our premium to invest, and if the math is better, you know that its return is actually very low.

(3) Low anti-risk abilityThe premium of return-type insurance is particularly expensive, so many people will buy the sum insured very low because of their limited budget, which actually reduces the protection. Obviously, the gap between the 50,000 yuan guarantee and the 300,000 yuan guarantee is bigger than the height difference between Guo Jingming and Yao Ming.

For more information about return-based insurance, please refer to my previous article"Cure if you are sick, return if you are not sick, the return-type critical illness insurance that everyone loves to buy is so pitted! 》

2. Large and full insurance

The so-called large and fully insured,It mainly exists in the form of "1 main insurance + N additional insurance".

It is common to use participating insurance, comprehensive insurance as the main insurance, and additional critical illness insurance and other protection.

The other is life insurance, with critical illness insurance and other protection.

One policy can cover all the benefits, which feels like a great deal ......But the truth is,In fact, the coverage of large and comprehensive insurance is not complete.

(1) Guarantees affect each other and reduce protection。In such a large and comprehensive insurance, the protection is actually implicated in each other, and there may be a situation where one type of protection is claimed, and the other is invalid.

There is also a shared sum insured, and after the accident, the insurance company compensates the money for one of the policies, and the sum insured for the other additional benefits becomes very low.

(2) High premiums but low sum insured

This kind of product that protects a lot of content, the cost is naturally not cheap, but the most pitiful thing is that the premium is expensive, and the insurance amount is very low, the same is 300,000 yuan of critical illness insurance, and the insurance of pure critical illness may only need to pay two or three thousand yuan per year, but the large and complete one will cost tens of thousands of yuan.

(3) There are gaps in protection

What's even more surprising is that this kind of insurance seems to have adequate coverage, but if you dig deeper into the terms, you will find that it secretly leaks a lot of coverage.

>> finally,When buying insurance, you should pay attention to the protection function of insurance, and pay attention to whether the scope of product protection and the amount of protection are suitable for you.

As much as possible, the coverage involves the scope that can help you solve the problem, from the most urgent and important insurance purchase, according to your own earning capacity. Hope!

Hello this friend, the most pit insurance dad really hasn't seen it, because you can't generalize, each product has its own good, but dad took this opportunity to talk about the big hole of insurance "family bucket".

It includes all the benefits – medical, accident, critical illness, death, etc., as long as you want it. It is the insurance "family bucket", a policy can't wait to write everything that can be insured, and it has won the heart of the insurance novice.

However, this kind of insurance seems to be big and comprehensive, but in fact, there are big holes waiting for you. Today, Daddy will take you to comprehensively analyze the greasy content contained in the insurance "family bucket".

Speaking of "family bucket", the first thing that comes to everyone's mind is definitely KFC's family bucket.

And the whole family bucket, in fact, one person may not be full, and some people take KFC to court because it is not enough for the family to eat, so why can TA be called a family bucket? Chicken: My whole family is literally in the bucket.

Of course, this is just a meme on the Internet, no longer here, let's talk about the "whole family bucket" of insurance.

The similarity between the insurance "family bucket" and KFC's family bucket is that as long as you want, the insurance company will put the "whole family" of insurance - medical insurance, critical illness insurance, accident insurance, etc. in one policy.

The insurance "family bucket" is composed of main insurance + additional insurance, the main insurance is mandatory, and the additional insurance can be optionally insured.

There are many such products on the market now, and there is no shortage of the main products of some large companies.

*The essence of Fu is a whole life insurance with life insurance as the main insurance and critical illness insurance, accident insurance, and medical insurance as the main insurance.

It is said that it is additional, but in fact, it is all added to the premium.

However, the insurance family bucket has survived for so long, and there is indeed a reason for him.

If you have a very good budget and don't have much time to compare products, a big, comprehensive policy may indeed be more suitable for you.

It looks like it can solve all the protection problems at once.

But if you want not to spend money and want adequate protection, you still have to match it with insurance.

After all, buying insurance is to avoid risks, the amount of insurance is the most critical, and if the amount of insurance is too low, there is no way to transfer the risk.

Everyone must understand that the insurance "family bucket" is not advantageous in other aspects except for the convenience of purchase.

Why is it better to buy all aspects of insurance "family buckets" separately, and it is still so popular. Mainly because most consumers are greedy for convenience and want to solve all the problems at once when they apply for insurance.

Therefore, Dad would like to emphasize to everyone that buying insurance is a gradual configuration process, and you should keep your eyes open when applying for insurance.

Critical illness insurance is only an add-on. The primary insurance is either whole life or both. Critical illness insurance can be purchased separately.