How to buy death insurance How to buy death insurance

1. Purchase at the business outlets of the insurance company: After the user fills in the insurance policy and pays the insurance premium to the insurance company, the insurance company presents the insurance certificate, and the insurance takes effect;

2. Online insurance: After the user fills in the insurance information online and settles the premium, the insurance company will send the electronic insurance certificate to the user in the form of email or short message, and the insurance will take effect immediately;

3. Users can purchase by contacting reliable insurance people;

4. Insurance institutions to purchase insurance products: After the user provides insurance information to the ** institution and pays the insurance premium, the ** institution will print out the insurance certificate to the user, and the insurance will take effect immediately.

1. Term death insurance: Term death insurance provides a clear protection period, such as 5 years, 10 years, 20 years, or until the insured reaches a certain age. If the insured dies during the policy period, the insurance company will pay the benefit to the beneficiary. If the insured survives at maturity, the insurance company is not responsible for paying the insurance money and will not refund the insurance premium;

2. Whole life death insurance: Whole life death insurance is an insurance that provides lifelong protection. Whenever the insured dies during the validity period of the insurance, the insurance company will pay the insured amount to the beneficiary.

Death insurance and death insurance actually mean the same thing, usually referring to life insurance, when the insured has a death situation, and the corresponding conditions are met, the insurance company will pay a sum of money to the beneficiary.

If you want to buy death insurance, you can buy it through the insurance company's offline service outlets, official website, official WeChat***, or third-party insurance brokerage companies and other formal channels.

In fact, the purchase channels of insurance are often divided into online insurance and offline insurance, if you don't know much about these two channels, then it is recommended to take a look at this article: Is it reliable to buy insurance online? What is the difference between online and offline insurance?

For death insurance, it can usually be divided into term life insurance and whole life insurance, if it is an ordinary family economic pillar, you can choose term life insurance, which is guaranteed for a certain period of time, such as 20 years, 30 years, 60 years old, 65 years old, etc., ** will be cheaper.

If you have a sufficient budget and have wealth inheritance needs, you can choose whole life insurance, which is guaranteed for life, and it will be relatively expensive.

In addition, when you buy death insurance, it is best to choose a product that has both death protection and total disability protection, and the protection content will be relatively comprehensive.

Death insurance can be purchased like this:

1. When purchasing death insurance, you need to pay attention to the effective time of the purchased insurance, under normal circumstances, the insurance will take effect on the second day after purchase, and some will take effect in 3 to 7 days;

2. The most important thing when buying is to pay attention to the content of the terms and the relevant insurance coverage, which is related to the self-interests of the policyholder.

3. The relevant information and documents after purchase need to be kept well for later needs.

Death insurance, also known as survivor insurance, refers to a social insurance system in which the insured person's dependent relatives receive material assistance from the society after the death of the insured, or after the death of the insured's dependent relatives. Death insurance is divided into term death insurance and whole life insurance.

Term death insurance: the insurance will have a definite time, if the insurer dies within the time, the insurance company will pay the corresponding insurance money, if the death is not within the time, the insurance company will not bear any responsibility, and the insurance cost will not be refunded;

Whole Life Insurance: This insurance provides lifelong coverage and the insurance company pays out the insured person when he or she dies at any time.

When purchasing death insurance, each policyholder can choose the right insurance according to their own needs and financial conditions. When purchasing death insurance, you need to pay attention to the effective time of the purchased insurance, usually, the insurance will take effect on the second day after purchase, and some will take effect in 3-7 days; The most important thing when purchasing is to pay attention to the content of the terms and the relevant insurance coverage, which is related to the policyholder's own interests, if there is any unclear, you can also ask the insurance company in time to avoid buying insurance that does not match your own needs; The relevant materials and documents after purchase need to be kept well for later needs.

If you want to buy insurance products with death benefits, such as whole life insurance, term life insurance, and comprehensive insurance, etc., you can choose to buy it at the insurance company, the offline service outlets of the insurance company, the official website of the insurance company, the official *** of the insurance company, or directly call customer service**.

The types of insurance that can cover sickness and death generally include:

1.Life. For example, term life insurance can insure that if the insured dies during the coverage period, the insurance company can pay a lump sum of death benefits, regardless of whether it is due to accidental death or death from illness.

2.Critical illness insurance against death.

For critical illness insurance that provides death benefits, the death benefit can be paid regardless of whether the insured dies due to accident or illness, but the premise is that the insured has not made a critical illness claim during the coverage period, otherwise the death insurance benefit will not be paid if the critical illness insurance benefit has already been paid. However, there are exceptions, for example, some critical illness insurance has life insurance recovery fund protection, so if the insured dies one year after the critical illness is claimed, the death benefit can also be paid.

Extended information] Life insurance is a kind of life insurance, which takes the life of the insured as the subject of insurance and the life or death of the insured as the condition of payment. As with all insurance businesses, the insured passes the risk to the insurer, accepts the insurer's terms and pays the premium. Unlike other insurances, life insurance passes on the risk of survival or death of the insured.

Critical illness insurance refers to the commercial insurance behavior handled by the insurance company to pay the insurance premium according to the insurance contract when the risk of specific critical illness, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc., occurs and the insured reaches the critical illness status agreed in the insurance clause.

From February 1, 2021, insurance products under the old definition of critical illness will be completely removed from the shelves. According to the new regulations, some diseases will be paid according to the severity of the two levels, and the policy can be renewed, and the number of diseases covered has also increased. For the first time, the new regulations introduce the definition of mild illness, which divides the three core diseases of malignant tumor, acute myocardial infarction and sequelae of stroke into severe diseases and mild diseases according to their severity, and the upper limit of the proportion of the sum insured that can be paid for these three mild illnesses is determined to be 30% of the total sum insured.

Death insurance can be purchased in the following ways:

1. Purchase at the business outlets of the insurance company: After the user fills in the insurance policy and pays the insurance premium to the insurance company, the insurance company presents the insurance certificate, and the insurance takes effect;

2. Online insurance: After the user fills in the insurance information online and settles the premium, the insurance company will send the electronic insurance certificate to the user in the form of email or short message, and the insurance will take effect immediately;

3. Users can purchase by contacting reliable insurance people;

4. Insurance ** institutions to purchase insurance products: users to the generation.

After the agency provides the insurance information and pays the insurance premium, the ** institution will print out the insurance certificate to the user, and the insurance will start immediately.

Effect. Extended Resources:

1. What does the death benefit mean?

Death benefit refers to the amount of insurance paid by the insurance company in accordance with the insurance contract after the death of the insured. Generally, it is stated in the insurance contract that it is the amount agreed upon by both parties before the insured applies for insurance.

The beneficiary of the death benefit can be designated, and the signature and consent of the policyholder and the insured person are required. Fill in the beneficiary and beneficiary ratio clearly to avoid trouble for the beneficiary to receive the death insurance benefit. If it is not specified, it will be considered as a legal beneficiary, and the legal beneficiary is the immediate family of the insurer, i.e., parents, children, and spouse.

In the event of the death of the insured, the insurance company will pay the insurance benefits strictly according to the established beneficiary, which is also protected by law.

2. Who can be the beneficiary of death?

According to the law, there are generally two types of beneficiaries, one is the designated beneficiary, and the other is the legal heir as prescribed by law.

1. Specify a beneficiary.

The designation of the beneficiary is designated by the policyholder and the insured, one or more people or sent as the beneficiary of the death insurance benefit, the right to designate is in the hands of the policyholder and the insured, with a certain degree of initiative, if the model of the policyholder to designate the beneficiary needs to be agreed by the insured.

It should be noted that it is best not to designate only one beneficiary of the death of the insurance, if the beneficiary and the insured are at risk at the same time, then the insurance compensation will be treated as the policyholder's estate.

2. Legal heirs.

The state stipulates that persons who have a certain relationship with the insured are legal heirs, and the legal heirs are in order.

The first sequence is parents, spouses, and children, and the second sequence is siblings, and grandparents.

If you want death protection, you can consider buying term life insurance.

Term life insurance can provide high mortality protection for a certain period of time, which is relatively cheap and suitable for the configuration of the family breadwinner. In the unfortunate event of the death of the breadwinner, the term life insurance payment can leave a sum of money for the family and prevent the family from falling into financial embarrassment.

If you are interested in term life insurance, you can learn more about it through this in-depth article: What is term life insurance? Who is it suitable for? Everything you want to know is here!

1. Purchase at the business outlets of the insurance company: After the user fills in the insurance policy and pays the insurance premium to the insurance company, the insurance company presents the insurance certificate, and the insurance is valid;

2. Online insurance: The user fills in the insurance information on the Zhuxian website, and after settling the premium, the insurance company will send the electronic insurance certificate to the user by email or SMS, and the insurance will take effect immediately;

Users can contact reliable insurance ** people to purchase;

4. The insurance institution purchases the first lot of the insurer: After the user provides the insurance information and pays the insurance premium to the ** institution, the ** institution will print the insurance certificate to the user, and the insurance will take effect immediately.

Types of Death Insurance.

1. Term death insurance: Term death insurance provides a clear guarantee period, such as 5 years, 10 years, 20 years, or until the insured reaches a certain age. If the insured dies during the guarantee period, the insurance company will pay the insurance premium to the beneficiary; If the insured survives at maturity, the insurance company shall not be liable to pay the insurance premium and shall not refund the insurance premium;

2. Whole life death insurance: Whole life death insurance is a type of life insurance. If the insured dies during the validity period of the insurance, the insurance company will pay the insured amount to the beneficiary.