How to buy life insurance? Do I have to buy life insurance to buy insurance?

Life insurance is insurance with human life as the subject of insurance, that is, if the insured dies or becomes totally disabled due to non-accidental reasons during the insurance period, the insurance company will pay a lump sum of the insurance money agreed in the contract.

So, how should you buy life insurance?

1.Who to buy it for?

If you want to allocate life insurance in the family, we have a principle: give priority to the allocation of the family's economic pillar.

2.How to choose the sum insured?

How much should we choose to cover the financial gap caused by death and total disability?

There is such a formula that you can calculate by yourself: the amount of insurance = family debt + money for children's education + money to support parents.

3.Disclaimers, Health Advisories, Occupational Restrictions

After clarifying who to buy and how much coverage to buy, you should also pay attention to its exclusion clause.

Generally, there are only 3 exemption clauses for good products, and some deaths caused by illegal and criminal acts or huge natural disasters are generally within the scope of exemption. If you want to know more about life insurance products, you can click here. "The most worthwhile collection of term life insurance in China! 》

The health notice of life insurance will be much more relaxed than that of medical insurance, but it is still emphasized that in order to get better protection.

Life insurance also has restrictions on occupations, and general life insurance is limited to categories 1-4.

4.Beneficiary

When it comes to death and total disability, identifying a good beneficiary can save a lot of trouble.

Daddy concluded:

In general, friends still have to choose the most suitable products according to their own budget and needs, combined with the corresponding selection skills.

Life insurance is mostly based on the death of the insured, so life insurance is bought for the family in order to leave a sum of money to the family after the death of the insured. Therefore, life insurance should be given priority to the breadwinner and economic pillar of the family. Because life insurance is a special nature, there is no need to configure life insurance that protects the whole life, and only needs to protect it until the end of economic responsibility at the age of 60.

Insurance is divided into property insurance, life insurance, accident insurance, medical insurance, etc.

For life insurance, the main insurance generally has life insurance, but your long-term insurance is mainly life insurance. Therefore, when buying insurance, you generally have to buy life insurance.

If you buy insurance, it depends on your financial situation! If the conditions are good, you can buy a life insurance, and you can buy another one. Medical.

Both are fine. It's all covered! What are the diseases of buying medical treatment?

Just use insurance to cure for you, and after buying a life insurance, the children will not have so much pressure, for your pension problems. It's better that way.

Not necessarily, if there is better insurance, then it is not necessarily life insurance, and the one that maximizes your interests will choose that one.

1.What kind of life insurance should you buy.

Individuals or families must have a clear purpose in buying life insurance, and do not blindly buy popular insurance in society without a plan. According to the level of developed countries, the appropriate insurance premium expenditure of a family generally accounts for about 30% of the total annual income, and according to China's national conditions, the insurance premium expenditure accounts for 10-20% of the total income of the policyholder.

Of course, buying insurance does not have to be done in one step, if you feel that the pressure on premium expenditure is too great, you can buy the type of insurance you need the most first, and then buy it in installments later. In general, whole life insurance with savings, returns, and investment components is more expensive, while short-term insurance such as term insurance and accident insurance are cheaper. When buying insurance, you should also pay attention to the high loss of the right and the loss, such as the main economic ** of the family, etc., which must be weighed sufficiently.

For example: - the main income of an individual or family**, with professional expertise and stable occupation, then in the choice of investment shed branch insurance, life protection insurance or health insurance is the first choice, followed by pension and other savings investment insurance;

If the income of individuals or families with the main income fluctuates greatly and their occupations fluctuate greatly, they prefer life insurance with savings and dividend investment such as pension and endowment insurance, followed by life protection life insurance;

If your occupation is dangerous or your job is highly mobile, you can consider taking out a high amount of personal accident insurance;

According to the degree of protection of individual or family social medical insurance, choose the object and amount of family health insurance.

2 What should I pay attention to when buying life insurance?

Insurance is the guarantee of life, but also the channel of investment and financial management, the ubiquitous insurance publicity may make you dizzy, but if you are ready to set up a piece of "protection" for your life, when you are ready to pay for it, you must think clearly, "think twice"! Buy with confidence, keep at ease.

First, look at the company's strength and service level. A life insurance company with stable operation, strong strength, outstanding reputation, numerous outlets, and excellent service is the key factor that policyholders should consider when applying for long-term life insurance business;

Second, look at the functions of life insurance products. Most life insurance products have life protection, health protection, pension, survival annuity (mainly children's insurance business), and accident protection.

3. Look at the insurance period of the life insurance product. Life insurance products have lifelong protection and term protection, lifelong protection for the life of the person, term insurance only covers selected life stages;

Fourth, look at the additional functions of life insurance products. General life insurance policies are attached to the policy borrowing, policy switching, reduction payment, premium advance payment and premium waiver and other functions, which not only ensure the flexibility of premium payment, but also to a large extent can also "revitalize" the policy to meet the liquidity needs of the policyholder, understanding these functions will be very beneficial to the policyholder.

Hello! As a type of protection investment, life insurance should first focus on the scope of protection liability for the comparison between similar products. Even within the same type of insurance, the coverage is often different.

In addition, the scope of "liability exemption" is also a factor that consumers need to pay special attention to when purchasing insurance products, and the choice of life insurance is also directly related to your own protection situation, age, health status, financial ability, etc., its choice is different from person to person, and it is the best that suits you.

You need to note that the current health and medical insurance, in the contract will generally stipulate the "deductible period" or "observation period and bored", if the insured suffers an illness during this time, the insurance company will refund the premium, but will not pay excess compensation, more precautions you can refer to.

How to buy life insurance Precautions for life insurance application).

You can go to an insurance company or a professional insurance company** to compare and choose from different products.

Hope it helps!

Life insurance can be purchased according to actual needs, generally as follows:

1. High-income people with protection and savings needs can choose to invest in Zen Naohuai Bao whole life insurance or life insurance with a long protection period, which provides lifelong protection while having the function of compulsory savings.

2. People with limited budgets and heavier family responsibilities can choose life insurance with a shorter protection period, which has the characteristics of low premiums and is suitable for planning and insurance.

The function of life insurance:

1. Income security: In case of misfortune, unable to provide economic security for the life of the family, life insurance can be exchanged for compensation several times the annual income, which is generally about 10 times the annual income;

2. Family liability protection: He You insurance money can be used for children's education and parents' pension;

3. Property protection: the insurance money can be used to repay car loans and housing loans, so as to avoid people leaving and the house is gone;

The meaning of life insurance: love and responsibility in real life is a relatively abstract thing, but if combined with the function of insurance products, the performance of love and responsibility will become more concrete, insurance is not to ensure that there is no risk, but after the occurrence of risk, let people get help and support, insurance can transfer risks, share losses, implement compensation, mortgage and investment and financial management, insurance is "the continuation of life, the continuation of the economy".

Hello! Life insurance is divided into term life insurance and whole life insurance.

If you don't know which product to buy, you can click to make an appointment for a 1-to-1 insurance planning service.

Deep Blue Insurance Dedicated Insurance Brokers will provide you with professional advice.

1. Term life insurance is more suitable for ordinary families.

At this time, the pillars of their families must not make any mistakes at the critical moment when they are old and young.

If you buy term life insurance, you can spend a small amount of money and get higher protection.

In addition, if young people who have just come out of work and want to buy life insurance, it is also the most suitable to buy term life insurance.

2. Whole life insurance is more suitable for people with stable economic income and high income and estate planning needs. Know

Because whole life insurance itself has the role of reasonable tax saving, investment and financial management and asset inheritance.

Therefore, for many entrepreneurs and executives, they can leave their assets to their children and families in the form of claims by buying whole life insurance.

In general, due to the difference in the duration of protection, whether there is a premium refund, and the insurance liability, the premium of term life insurance and whole life insurance varies greatly, which is suitable for different people!

Generally speaking, when buying life insurance, it is more appropriate to choose a product with more complete protection for yourself according to your own needs, because there are countless life insurance products on the market, and the protection provided by different products is different, for example, some life insurance only provides death protection, and some provide death and total disability protection, etc., so you must first clarify what protection you need, and then choose a product that can meet your needs, so as to play a powerful role in protection.

Life insurance can be divided into term life insurance and whole life insurance, what is the difference between the two? You can learn about it through this article:What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article!

As for some friends, they may not know which life insurance to buy, so here is a term life insurance with a good cost performance - Zhenai 2022.

First of all, I will hand over the product protection chart of Zhenai 2022 Term Life Insurance:

As shown in the figure, the insurance age of Zhenai 2022 term life insurance is 18-60 years old, the protection period is 20 30 years, and the insurance period is 60 65 70 80 years old, and the payment period is single payment, 5 10 20 30 years, which is still relatively optional.

If you don't know how to choose the right payment period, you can take a look at this article:How to choose the payment period so that you will not lose?

In addition, this product has a wide range of occupational categories, allowing 1-6 types of occupational groups to be insured, and covering 5-6 types of high-risk occupational groups, which is very intimate.

Not only that, there are only 3 exclusion clauses in the term life insurance 2022, which is at a good level, you know, the exclusion clause exempts the insurance company from liability, if the insured triggers the exclusion clause, resulting in the occurrence of certain circumstances specified in the contract, the insurance company will not bear the insurance liability, therefore, for the insured, the fewer the exclusion clauses, the better.

Finally, the optional benefit of Sudden Death Care Benefit provided by Ultimate Love 2022 Term Life Insurance is more practical, as long as the insured person dies suddenly after the waiting period and is under the age of 65 at the time of sudden death, and meets the conditions for claiming, the insurance company will pay an additional 30% of the basic sum assured.

Nowadays, the probability of sudden death is high, if the insured attaches the sudden death care fund, then when the insured unfortunately dies suddenly, the beneficiary has the opportunity to get more insurance money to solve the difficulties faced.

Due to the limited space, the rest of the advantages of Zhenai 2022 term life insurance have been sorted out in this article, and friends who want to know more about it can poke:Tongfang Global Zhenai 2022 Internet Term Life Insurance is coming? I'll talk about it after reading it

In general, there are still many advantages of Zhenai 2022 term life insurance, such as a wide range of occupational categories, few exclusion clauses, and strong practicality of sudden death care insurance benefits. Hope!

Life insurance is an insurance that covers the life or death of the insured, and continues to bear family responsibilities on behalf of the insured person after the death and total disability of the insured person due to an unaccidental injury.

Life insurance in the market can be divided into two types: term life insurance and whole life insurance according to the different protection periods.

1.There is a large gap in premiums

Term life insurance generally has a cheaper premium because the insurance company only bears the claim liability for the duration of the insurance period, and the insurance company will no longer bear the claim liability after the insurance period expires.

The premium of whole life insurance is much more expensive than that of term life insurance, because whole life insurance covers life, that is, the insurance company always pays for it.

2.The duration of the coverage varies

As mentioned earlier, term life insurance on the market is generally insured for 10 20 30 years or 60 70 80 years old, and only protects to the agreed age or years, that is, the insurance company only bears the responsibility for claims during this period, while the protection period of whole life insurance is lifelong, and there is no need to agree on the protection period with the insurance company when applying for insurance, and you can directly obtain lifelong protection in one step.

According to the difference between term life insurance and whole life insurance, it can also be seen that they are suitable for different people.

Term life insurance is generally suitable for people who are not in a very good financial situation but want to get life protection, because term life insurance premiums are relatively cheap, and such people will not have much financial burden to buy term life insurance.

Whole life insurance is generally more suitable for people who want to obtain whole life protection and have better economic conditions for inheritance.

And the insurance company will definitely pay, and after the death of the insured, the money can also be passed on to the children as an inheritance.