Can I buy life insurance, my husband s friend sells insurance, and we have to buy insurance for the

You can buy it, but it depends on whether it is worth buying, and whether it is necessary to buy it, depending on your own situation.

Xueba said insurance, only recommend the most suitable child insurance! This year, the comparison table of 136 best-selling children's critical illness insurance has been updated

You can click on it to see how it will help you choose your child's insurance.

How to buy insurance for your child

This question makes countless mothers and fathers who want to buy insurance for their babies daunted, and today my senior sister will take you to learn the correct way to buy insurance for your child! Explain from these three aspects:

First, take care of the medical insurance first!

Neonatal medical insurance (medical insurance for urban and rural residents) is the basic national insurance, and the child should be handled immediately as soon as he is born, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, which is why medical insurance is called the first type of national insurance.

Second, if you plan to buy commercial insurance, critical illness insurance + medical insurance + accident insurance, this is my advice to you.

Start with critical illness insurance, which provides coverage for a long time (up to a lifetime). In addition, critical illness insurance can directly pay a large amount of cash after getting sick, in addition to being used to treat the disease, it can also solve many hidden problems caused by illness, such as falling behind due to illness, or some irreparable losses in subsequent life, which require a lot of cash to make up. Buying a pure protection critical illness insurance policy can be used to solve these problems.

Let's talk about why we need to configure medical insurance, which can be used to reimburse the medical expenses of children's usual medical treatment, for example, to configure a 0 deductible hospitalization medical insurance, the insurance amount of 10,000 yuan, only 1,200 yuan per year, which is very cost-effective.

Finally, let's talk about accident insurance, children's accident insurance is very cheap, as long as it is sixty or seventy yuan a year, you can buy 200,000 yuan of protection, you can protect the child's accidental death, disability and medical expenses caused by accidents, and the cost performance is quite high.

Third, what insurance should not be bought for children?

Don't choose life insurance for your child, and try not to attach both liabilities to critical illness insurance. I know the specific reasons in this articleWhy is it so hard to buy child insurance? You'll know when you see it!

has been introduced in detail, because it is very detailed in the manuscript, so I will not waste time here.

According to the above insurance ideas, if you are configuring regular insurance for your child, you can configure it for about 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is quite cost-effective.

That's all for me"Can I buy life insurance, my husband's friend sells insurance, and we have to buy insurance for the baby"All of them, I hope it helps you! Hope!

Hello! The role of life insurance in solving the difficulties caused by birth, old age, illness, death, disability, unemployment, etc., protecting and improving people's lives, promoting economic development, and maintaining social stability is very obvious. Taikang's and Sunshine's life insurance is also good overall, but it may not be the most suitable for your insurance needs, and it is recommended that you compare and choose based on your current insurance needs.

How to insure life insurance for yourself and your husband 1, when choosing a life insurance company, the first thing to look at is solvency, the company's solvency can be reflected from the balance sheet, if the assets or liabilities are positive and the number is large, indicating that the company's solvency is strong; Secondly, it depends on the quality of service provided by the insurance company to customers. 2. When choosing life insurance products, we should scientifically compare the best factors, "choose the best of the two"; Then, compare the conditions such as coverage and exclusions of life insurance products, and pay special attention to the different conditions such as "observation period" and "deductible days". 3. Choose the most suitable life insurance company and product for you, and the most important thing is to choose according to your own protection needs and economic situation.

To insure life insurance for yourself and your husband, you may wish to spend more energy to learn more about the specific knowledge and situation of life insurance companies and their life insurance products, and then choose a strong life insurance company with high-quality services, and insure suitable life insurance products to benefit you in the future. At present, there are many life insurance products that meet your requirements, welcome to come and buy.

1. Because children's physical resistance is poor, they are prone to diseases, especially infants and young children are more likely to occasionally feel wind and cold, that is, diseases lead to outpatient or hospitalization; At the same time, children have no sense of risk control and are prone to accidents. Therefore, it is necessary to consider some medical insurance and accident insurance for children.

2. Due to environmental pollution and food safety, some adolescent diseases such as leukemia are relatively high, and it is necessary to properly consider some children's critical illness insurance, after all, this kind of insurance is very cheap.

3. Because the child is not the first person in the family economy, it is generally not suitable to occupy a large proportion of the family income to pay the child's insurance premium, and the first thing to solve is the health and accident protection problem, as mentioned in the above 2 points, the insurance premium is relatively cheap, and the annual insurance premium can be solved in a few hundred or 1-2 hundred per industry.

Under normal circumstances, it is to protect adults first, and then children, but China is a special case, only for children to buy, do not consider themselves. However, insurance is one of the most necessary financial tools when conditions permit.

When I bought insurance, I felt that it was expensive, but when there was a risk, it was said that it was useless to buy less. It's up to you.

It is very useful, one can be used as education and wedding money, and the other can provide financial support for accidental injuries and major diseases, and the usual hospitalization can also be reimbursed, the proportion is quite large, you can consult me Xinhua Insurance.

Hello! There are still many issues that need to be paid attention to when buying life insurance, and there is no one that is the best, and the one that suits you is good.

When buying life insurance products, you should do what you can and do not affect your family's normal financial expenses due to life insurance.

For families with average financial income, it is recommended to take out term life insurance because term life insurance has the advantages of low premiums and full coverage. Most term life insurance products are available in a range of 10-year, 20-year and 30-year terms, and it is recommended that consumers consider comprehensively according to the current family economic income and the insurance needs of the insured object before applying for insurance, so that the insurance will not affect the normal expenses of the whole family and at the same time can meet the insurance needs of the insured object.

In addition, some term life insurance policies will have a waiting period, and consumers need to pay special attention when applying for this type of term life insurance, because the insurance company will not pay out if the insured accident occurs during the waiting period.

I don't know your personal situation, so I can only recommend that you go to the insurance company or some professional online insurance platform for detailed comparison and consultation based on the actual situation.

Priority critical illness insurance, as long as the age is not very old, good health, no disability, no genetic disease, not high-risk occupations can generally be bought.

It is better to buy social security, which is the basic protection, you can buy personal, universal social security is now based on the economic situation of your own commercial insurance purchase, sudden illness, etc. Be full.

1. Why buy critical illness insurance?

The biggest feature of critical illness insurance is that the payout precedes **. As long as it is a disease within the scope of the insurance contract and is diagnosed by a qualified hospital, it can be paid before the first day is carried out. Not only does it solve the urgent need for cash flow, but there is no regulation on the use of the money, and even if you decide not to treat the disease, you can get the money.

2. How to determine the sum insured.

Regarding the critical illness fee, it is actually a flexible question. At present, the cost of critical illness in China is about 400,000. After consulting with a doctor, it may be safer to go through 500,000. The sooner you buy critical illness insurance, the cheaper it is.

3. What period to choose.

There are generally two types of critical illness insurance. One is returned on a regular basis, and the other is consumed. From the perspective of only buying the right one, not choosing the expensive one, the protection should be sufficient, and the cost performance should be high, consumer-based critical illness insurance is the first choice, and there is surplus money that can be used to invest to improve the rate of return.

However, consumer-based critical illness insurance also has certain limitations, and some consumer-based insurance may only have a term of 20 or 30 years, after which there is no protection. For children, they have to buy again after the age of 30.

4. Is it better to protect the more types of diseases?

No. According to the survey, the top three illnesses in 2016 were cancer, acute myocardial infarction and stroke.

Among them, the claim rate of cancer skin defect is as high as more than 70%. Therefore, in terms of probability, the number of types of critical diseases is not so critical. As a relatively mature type of insurance, the 25 types of critical illnesses stipulated by the Insurance Industry Association and the Medical Doctor Association have included common types of critical illnesses.

5. How to choose the payment period.

Be sure to choose the longest payment period. There are two reasons for this: First, the longer the payment period, the longer the premium waiver function will be effective.

6. Choose between online purchase or insurance brokerage.

The first thing to be sure is that buying insurance online is reliable, and the premium is within easy reach. The advantage of insurance brokers is that they are more professional, can be configured for personal situations, and if there are claims and other matters, someone can consult.

But only if you can find someone who is professional, reliable, has been doing it for a while and intends to continue to do it.

How old is the baby and what is the budget?

1.If there is only a budget of $3,000 per year. It is recommended to apply for savings insurance for children, save and provide additional protection at the same time, in case the child is at risk, additional compensation, and the savings account will not be affected after the compensation, and education can be realized.

In case an adult is at risk and cannot continue to save, the insurance company will help save the education fund to protect the child's education. 2.If the budget is more than 3 thousand points.

You can apply for savings insurance for children and accident insurance for adults. 3.If the budget can be higher than 5 thousand.

You can apply for savings insurance for yourself, and you can be protected against critical illness. In the event of a risk for adults, the compensation can be used as a settling-in allowance to ensure the child's life and education. Savings accounts allow withdrawals to be used for your child's education.

4.If the budget can reach about 8,000 or more, of course, it is best for adults and children. 5.

If the budget could be higher. Then apply for pure protection insurance (such as participating insurance, whole life insurance with additional critical illness, etc.), and then save education funds and living reserves. Financial management is like a football game, arranging a few forwards and a few defenders, which needs to be planned differently according to personal financial goals, risk tolerance, etc.

Therefore, it is necessary to communicate with a professional financial planner. Buying insurance is not simply buying a product, but should be considered in the overall financial planning. Beg.

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

I am Taikang's recommendation for your healthy life!

How much money are you going to invest in insurance? Do you want to buy it for a family of three? According to the family's financial situation, make reasonable arrangements!