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Anonymous users2024-02-11The full name of life insurance is life insurance, which is a kind of insurance that takes people's life and death as the insurance object. It is a kind of insurance in which the insured lives or dies during the insurance liability period, and the insurer pays the insurance money according to the provisions of the contract.
1) Buy life insurance for children and the elderly.
On the one hand, the life insurance premiums for the elderly are relatively high and cost-effective.
Because the premium of life insurance has a lot to do with the age of the insured, buying life insurance for the elderly may result in the sum insured being lower than the total premium, so it is not cost-effective.
On the other hand, the greater the family responsibility, the higher the life insurance amount should be, and the elderly basically do not bear any family responsibilities, so there is no need to buy life insurance.
In terms of family responsibilities, children basically have no financial responsibility, and they also need to spend money, so there is no need to buy life insurance.
2) Is one-year life insurance better than long-term life insurance?
Dad often hears friends around him say that to buy life insurance, you have to buy one-year life insurance, but this is actually a wrong idea.
For families on a budget, one-year life insurance will be more suitable than long-term life insurance.
Because the upfront stage of one-year life insurance is generally cheaper than long-term life insurance**, and the purchase is more flexible.
3) The amount of life insurance can be selected at will.
When buying life insurance, many friends may not care much about the amount of insurance, thinking that it is okay to buy 500,000 or 1 million, which is enough anyway.
In fact, each of us has different family responsibilities, so the amount of life insurance coverage should also be different.
The sum insured of life insurance should be linked to the following aspects: family debts (mortgage, car loan, other loans), parental maintenance, children's upbringing and education expenses, and future family daily expenses.
Therefore, when we choose the sum insured of life insurance, we should not choose it casually, but calculate the appropriate sum insured according to the above aspects.
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Anonymous users2024-02-10Where is the pitfall of life insurance? There are "pits" in general critical illness insurance, such as the high incidence of a certain disease at a certain age group, and the insurance liability clause just avoids this age group. Another example is that the definition of a certain disease is particularly strict, and the way in which certain diseases are diagnosed is very strict, etc.
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Anonymous users2024-02-09The biggest difference between insurance and financial management and savings is that insurance saves money, basically it can no longer be taken out, and it is replaced by the protection of your life and health, which may be the biggest misunderstanding.
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Anonymous users2024-02-08The most genuine accident of insurance is protection, and there will be no pitfalls if you buy it in line with this requirement.
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Anonymous users2024-02-07The reason why it is said that there is a "pit" is, on the one hand, that the insurance contract is indeed thick and seems to have no clue, and on the other hand, there may be misleading sales.
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