Which consumption based term life insurance is better?

If you want to buy consumer-based term life insurance, Senior Sister recommends Huagui Damai 2022 Term Life Insurance under Huagui Life. If the insured does not have an accident at the end of the term, the insurance contract will be terminated naturally, and the insurance company will not be liable, and the premium paid will not be refunded.

Then in the next time, the senior sister will take you to see how the protection of Huagui Barley 2022 term life insurance is.

1. Analysis of insurance conditions.

Huagui Barley 2022 Term Life Insurance allows people aged 18-60 to apply for insurance, and this product has a longer protection period, you can choose to cover 10 years, 20 years, 30 years, and cover up to 60 years old, 65 years old, and 70 years old. In addition to the single payment, you can also pay it in 5 years, 10 years, 20 years, and 30 years, until the insured is 60 65 70 years old. If you don't know much about how to choose the payment period, it is recommended to collect the following article:

How to choose the payment period so that you will not lose?

2. Analysis of guarantee content.

Huagui Barley 2022 Term Life Insurance not only provides death and total disability protection, but also provides protection for accidental death and total disability caused by aviation, water, land and public transportation.

In addition, the Aviation Accidental Death Benefit and the Land, Water and Public Transport Accidental Death Total Disability Benefit are optional liabilities, and consumers have the flexibility to choose whether to attach them. And these two types of vehicle accident insurance are very practical for consumers who travel frequently.

If you want to have an in-depth understanding of Huagui Damai 2022 term life insurance product, this article can't be missed: Huagui Damai 2022 is coming to refresh the floor price again? I advise you to read the review before deciding.

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Huagui Barley Term Life Insurance, compared with similar products, has ultra-low premiums, ultra-high insurance amounts, ultra-few exemption clauses, and an exemption insurance amount of up to 3 million, which is suitable for the needs of most people. For specific processing, you can click me to contact or insurance Ye Junshuai

There is no good way to say consumer-based term life insurance, and what suits your needs is good. Buying term life insurance should be based on your own needs, insurance restrictions, coverage content and exclusion clauses.

1. Own needs: Life insurance is suitable for adults with family responsibilities, and the product with the appropriate amount and premium should be selected according to the income and protection needs when applying for insurance.

2. Restrictions on insurance: Life insurance has age, occupation and health restrictions at the time of application, and only the insured who meets the insurance conditions can apply for insurance.

4. Exemption clauses: The fewer exemption clauses in insurance, the more beneficial it is to consumers, and the least number of life insurance exemptions on the market is currently 3.

The advantages of term life insurance are:

1. Cheap and high insurance amount. The term life insurance on the market is generally cheaper, and the average young person is insured, and the insurance amount is about 1 million yuan or so, and women are much cheaper than men.

2. Provide death protection to continue love and responsibility.

Buying term life insurance is not to protect yourself, but to protect your family. Avoid the death of oneself and cause the children, parents and spouse to have no protection for their future life and education. In addition, some families may have debts (car loans, mortgages, loans, etc.) that will be transferred to their families if they pass away, and if they receive compensation from term life insurance, they can help their family through the difficulties.

In addition, some term life insurance plans can also provide total disability protection.

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Most of the common term life insurance on the market will not return the premium after the insurance expires, and this kind of term life insurance that does not return the premium is consumption-based term life insurance. Consumption-based term life insurance tends to be less expensive and suitable for families with smaller incomes. The paid-out term life insurance, as the name suggests, refers to the protection of the insured when the expiration date is not out of insurance, and the insurance company will pay a certain amount of insurance money according to the contract, but the premium of the pay-type term life insurance is more expensive, and you need to measure your financial ability when applying for insurance.

Term life insurance is a type of life insurance, and if the insured dies or becomes totally disabled during the insurance period, the insurance company will compensate a certain amount of insurance money according to the contract. Term life insurance is different in that it protects personal safety for a period of time, and only during this period of time will the insurance company compensate the insurance money, so it has the characteristics of low premium and high protection. Term life insurance is not always consumption-based, but also pay-out.

Test your anti-risk index, experts will interpret it for you for free!

Consumer-based term life insurance refers to the death or disability of the insured within the agreed time period of the insurance contract, and the insurance company pays the corresponding insurance money in accordance with the provisions of the contract; If the insured is still alive at the end of the insurance period, the insurance contract will be terminated naturally, and the insurance company will not be responsible and will not refund the insurance premiums paid. There are a variety of options for consumer-based term life insurance coverage for 10 years, 15 years, 20 years, or up to the age of 50 or 60. The annuities of consumer-oriented term life insurance are all less than 1,000 yuan, and the cheapest ones are about 500 yuan.

Consumption-based term life insurance has the advantage of being cost-effective, and can be exempted from income tax or inheritance tax if the insurance premium is paid. Under the risk management of low-income and high-yield, insurance companies will give less term life insurance for consumption, and most insurance companies will give insurance based on customer life insurance, while some small insurance companies will abandon low-income, loss-prone customer term life insurance products. From the above detailed introduction, consumption-based term life insurance is the most suitable for customers.

The amount of security is high, compared with consumption-based and savings-based term life insurance, consumer-based life insurance only needs less insurance costs, and does not need to pay long-term mandatory fees, it only needs to pay once a year, but it cannot return the insurance premiums every year. Compared with whole life insurance, term life insurance only provides security for the insured for a certain period of time, and if the insured dies in an accident within the period specified in the contract, the insurance company will pay the insurance money to the beneficiary. If the insured is still alive at the end of the contract, the insurance company will not be liable to pay the insurance money and will not return the insurance money.

First of all, the order of purchasing insurance is: you must first protect the product, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

Secondly, the principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

For example, first purchase the social insurance launched by the state (it is best to have a unit come forward to purchase), such as the cooperative medical insurance for rural households or the medical insurance for urban residents with urban households, and then consider commercial insurance as a supplement.

For each of us, we should focus on health insurance. That is, medical insurance and protection products are the first, and then the combination of pension insurance, children's education funds, dividend investment and other products is considered.

Third, insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

Here, I know that in this industry, there are three sentences that say this: "brand in life", "Ping An's talents" and "Xinhua's products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

Term life insurance is a consumption-oriented type, how many years of payment, how many years of guarantee, the formulation of insurance premiums, etc., need to be based on age, occupation, health status and other factors! The rider should be more comprehensive, because you are still focusing on protection!

New China Life's term life insurance A is good, 200,000 insurance coverage of 200,000 yuan should not exceed 500 yuan, I plan to buy it before the year. But I want to buy 300,000 for 30 years.

Pure Consumption Term Life Insurance Meaning:

1. Consumer, refers to the fact that the premium paid is due to the insurance company like paying vehicle insurance, and will not be returned, which is different from the nature of principal and interest repayment such as savings and participating insurance, so the payment is less;

2. Periodicity, that is, the two parties agree on the underwriting period (10 years, 15 years, to 60 years old, etc.), during which the insurance liability will be paid, and the two parties will not look for each other if there is no specified accident;

3. Life insurance refers to the life and body of the insured, and the liability for compensation arises when death and disability occur during the period.

This kind of protection is to invest in yourself as a family member, and you can also have a comfort for your family after death.

Note when applying for insurance:

1. Whether disability compensation is included;

2. Whether the insurance is guaranteed to die of illness within one year;

3. Comparison of rates of various companies.

Dude has just learned, and the insurance procedures are being applied for in the past two days, and you are in a hurry!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

With the increase of people's insurance awareness, term life insurance has become the object of insurance for many people, but some customers who are ready to buy insurance have the cheapest consumption term life insurance? It is understood that term life insurance is also different according to the different content of protection, and it is recommended to choose cost-effective products, such as Shunyi term life insurance on the Internet. What are the good life insurance recommendations, I just sorted out the relevant content, I hope it will be helpful to you:

The latest list! The ranking of popular life insurance of national insurance companies is only ruined!

As the breadwinner of the family, there are old and young, there are mortgages and car loans, if the breadwinner of the family is gone, then the whole family not only lacks income**, but also leaves all the debts to the family.

Term life insurance was born to solve this problem, and the purchase of term life insurance is more similar to the nature of an inheritance, because when a claim occurs, the person is no longer there, and the money is more left to the family as an inheritance.

Baoge has a very cost-effective, very novel design of term life insurance, very suitable for friends who are not very budgeted to buy, this should be the cheapest solution for term life insurance on the market.

Shunyi 1 Term life insurance is suitable for people aged 18-60 years old, the payment method is annual payment, the minimum premium is 169 yuan, the maximum insurance amount can reach 500,000 yuan, the policyholder is exempt from obvious care, and the protection period is smooth and flexible.

Brother Bao's tip: What is the cheapest term life insurance for consumption? The minimum premium of term life insurance is 169 yuan, and the maximum insurance amount can reach 500,000 yuan.

Pure consumption term life insurance has its own characteristics, and what we have found is that it has the advantages of low premiums and high security. The payment of insurance premiums is also exempt from income tax and inheritance tax. Under the risk management of low returns and high returns, the number of pure consumer term life insurance products per insurance company is very small.

Most insurance companies in Shanghai generally only offer one term life insurance as the main insurance product, and some small insurance companies simply abandon this low-yield, loss-prone insurance product. From a certain point of view, pure consumption-based term life insurance is very cost-effective for consumers.

Compared with savings return life insurance, the advantage of consumption-based term life insurance is that to obtain the same amount of protection, only need to use a relatively small premium, and it is paid once a year, without forcing long-term contributions, but the annual premium cannot be returned.