As an adult male, what kind of insurance should I equip myself?

1. Insurance is divided into two categories, social security and commercial insurance; Social security is the basic type of security, and commercial insurance supplements the deficiency of social security.

2. As an adult male, when equipped with commercial insurance, you should consider which types of insurance and the amount of insurance you should equip;

3. The allocation order of insurance types, the protection type first, such as accident and medical treatment; The second is critical illness insurance, and in the future, education funds, pensions, whole life and wealth management insurance can be designed one after another;

4. In terms of premium and insurance amount, the premium should be considered according to your own insurance needs and ability to pay, and the higher the insurance amount, the better;

5. The sum insured of critical illness insurance is for oneself to compensate for the loss of income after unfortunate illness, so the higher the sum insured, the better; Medical insurance is used to reimburse the ** expenses in the hospital, which is reimbursement;

The first thing that is necessary is medical critical illness insurance. The sum insured is recommended to be not less than 500,000. The sum insured can be increased to more than 1 million if conditions allow (it is not necessary to buy the full sum insured at one time).

After medical treatment and critical illness are bought, if there is surplus money without affecting life, it is recommended to buy annuity insurance (all annuity insurance insurance regulations stipulate that money cannot be returned for 5 years before payment, so don't think it's a lie), but unless you need it urgently, it is recommended to save it (if you have a guaranteed account of an insurance company, you have a guaranteed interest) as a pension supplement. As for accident insurance, in fact, it is good to buy a small card for a year, and it is also guaranteed every year, but it is much cheaper than buying accident long-term insurance. If you have children, you will also be provided with medical treatment for the whole family first, and then the annuity insured chooses to be the child, so that you can use it first, and then the child will use it again.

Annuities are generally guaranteed up to age 99 or 105. Even if the person does not live, the money will be given, that is to say, the insured of the children's gold insurance can manage three generations with one policy.

Men are the pillars of the family and the most important spiritual pillar of a family, so it is recommended that the bottom risk defense system should be strong first, that is, according to the budget of the family's annual income to configure accident, medical and critical illness, these three types of insurance. Hope mine is helpful to you.

As the breadwinner of the family, men must have social security firstly, and secondly, accident insurance and health insurance in commercial insurance must also be matched. (These two types of insurance are the protective nets at home) are dedicated to small fights big. Health and safety are used as savings for a lifetime, and when something happens, insurance will come forward and have absolute protection.

1. Medical insurance is necessary.

2. Accident insurance is also a must.

3. Commercial medical insurance, critical illness insurance, and life insurance are appropriately allocated mainly according to economic capacity.

Your question is too broad. Can't. Of course, it is good to match.

Everyone knows it's a good match.

However, everyone must consider family economic conditions, future plans, personal physical fitness, occupation, age and so on. You might as well find a salesman to understand well, 18-year-old, and 80-year-old men, that is a big difference, can talk to you about what to buy in the afternoon, why to buy like this, after buying to solve the problem of Shenma, how much to buy, what to buy first, what to buy after buying, how to communicate with the insurance company after buying. These are all you need to know.

If you really can't buy medical insurance, you can't go wrong. It's better to buy a high-end medical treatment, and it's almost an ordinary million-dollar medical treatment, which is not expensive. The rest depends on your conditions and needs.

It is more recommended to choose accident insurance and medical insurance, because as an adult male, he is generally the main labor force of the family and needs a certain amount of protection.

To be an adult male, you must first get yourself a medical insurance, and preferably a critical illness line.

Millions of accidents, millions of medical treatments, millions of critical illnesses, millions of pensions.

Adult males need to be equipped with the following types of insurance:

1.Accident insurance.

Accident insurance is a kind of insurance to prevent personal accidents, we all know that accidents are everywhere, and there are many male friends who are engaged in occupations with a certain risk factor, so the risk of accidental injury is greater, and the protection of accident insurance is more needed.

Dad has compiled a list of accident insurance, and interested friends can take a look at the "Accident Insurance List".

2.Critical illness insurance.

Critical illness insurance protects the contracted diseases, and it was also said earlier that men have a greater chance of suffering from critical illness than women, as high as, that is to say, at least 7 out of 10 men have a high probability of suffering from a critical illness, which is quite scary.

3.Term life insurance.

Life insurance is insurance that protects the life or death of the insured, and most men in China bear the main responsibility for the family, and if the pillar of a family falls, it is likely that the family will also fall.

If a man buys life insurance, when he falls, the insurance company will pay a large amount of money in a lump sum, which can ensure that the quality of life of the family will not change much, and if the family has debts, they can also use this money to repay.