How to buy death insurance, what insurance to buy for illness and death

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.

Accidental death insurance means that within the insurance period, if the insured person dies due to an accident, the insurance company will provide a certain amount of protection to the insured person in accordance with relevant regulations. The meaning of accidental death is that the insured person's death accident caused by an accidental, violent event can provide accidental injury insurance to Ping An Insurance Company. In this way, the personal safety of the insured is guaranteed, and it is more convenient for everyone to know about the accidental death insurance inquiry.

You only need to log in to the official website of Ping An Insurance and enter the relevant information to see the accidental death insurance compensation information. There is no need to go to the insurance company to understand, you can easily inquire on the Internet, saving time and effort.

Accidental death insurance benefits must be determined to be an injury from an outside source. Death due to illness is not covered by accident insurance. Many people feel that illness is an accident, and the occurrence of illness is also accidental.

It is also not the intention of the insured person, but the accidental death occurs for more physical reasons, so it is not covered by the accidental death insurance. The second reason is that the insured person has suffered severe injuries, which only cause accidents such as dysfunction and disability, the third is obviously because of the death that occurs within the policy, and the insurance company needs to be liable, and finally the cause of death is because of sudden injury, which means that in the shortest time, an accident occurred.

Everyone has a relevant understanding of the inquiries and determinations related to accidental death insurance claims, so what are the characteristics of accidental death insurance claims? First, the claim time for accidental death insurance is short, and second, the accidental injury insurance is generally negotiated after the anti-dumping agreement, and the insurance amount is also agreed. After the payment, the policy will take effect, and the general public can apply for insurance as long as the insured has the ability to pay.

Thirdly, accidental death insurance is very simple, as long as the insurance company is based on the relevant information provided by the insured, it can be insured. Finally, the ** of insurance, the ** of accidental death insurance is relatively low, but the corresponding protection is very high. As you should know, the amount of accidental death insurance benefits will not be refunded even if you don't have an accident.

Although the word death is a very sensitive word for many people. But we also need to be optimistic. After understanding what accidental death is, choosing to buy such an insurance for yourself is the best protection for your children and family.

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

Hello, I am happy to answer for you, what insurance to buy for death has compensation 1Life insurance, including term life, whole life, life and death insurance, etc., can pay a lump sum death benefit after the death of the insured; 2.For critical illness insurance with death benefit, if the insured dies due to illness or accident, the insurance company can pay a death benefit, and if there is no death benefit, the insurance company can also apply for a refund of the cash value of the policy, but if the critical illness insurance has already paid for critical illness, the cash value has been reduced to zero; 3.

Accident insurance, which can generally claim accidental death, and some accident insurance also comes with sudden death protection.

Question: What insurance pays out the most in accidental death.

The maximum payout is million, mainly depending on how much the policy promises. Before obtaining the insurance money, there is a very strict threshold for compensation, and it is first necessary to make sure that you can pay it. The amount of compensation for accidental death insurance is very high, so many people will take illegal means for the insurance money, so accidental death insurance has four definitions of accidents to identify whether the accident that needs to be compensated is really an accident, that is, foreign, sudden, non-diseased, and unintentional, such as food poisoning, pregnancy accidents and sudden death from overwork are judged to be accidents that do not require compensation.

Ping An Accident Insurance of China is 1,500 yuan per year, which can cover 1,000,000 yuan (1 million).

Good question, good drop, good drop, thank you.

Accidental death insurance can be purchased for yourself, but the premise is that the policyholder must be a natural person with civil capacity, have the financial strength, and can bear the obligation to pay premiums. Accidental death insurance is a commercial insurance, and consumers can voluntarily take out insurance according to their actual safety needs.

Be sure to take out accidental death insurance

1.Pay attention to premiums: When applying for accidental death insurance, you should also pay attention to the choice of premiums, which will not affect the family economy, and it is generally recommended to use one-tenth of the annual family income as the premium budget;

2.Pay attention to the amount insured: It is generally recommended to take 5-10 times of the annual family income as the insured amount of accidental death insurance, so that the family can avoid worries for at least 5-10 years;

3.Accidental medical treatment: Accidental death insurance mainly pays for accidental death insurance, and in order to make the protection more comprehensive, it is recommended to consider additional accidental medical treatment, so that the medical expenses incurred by the insured after the accident can also be reimbursed.

4.Accident insurance does not cover suicide. In the event of death by suicide, accident insurance will not be compensated.

Accidental death insurance can be purchased in the following ways:

1.You can purchase from the insurance company: the policyholder can bring your ID card to the offline service outlets of the insurance company to purchase accidental death insurance products;

2.It can be purchased on the official website of the insurance company: after entering the official website of the insurance company, you can generally see the sales entrance of the insurance product, and you can choose the accidental death insurance product to apply for insurance after entering;

4.It can be purchased on the insurance brokerage platform: if the insurance brokerage platform is officially late bending** or official, it usually provides insurance, strict insurance selection and other entrances. Once you're in, you can choose an accidental death insurance product to insure;

5.You can find an insurance person or insurance broker to buy: explain your protection needs and tell yourself that you want to take out accidental death insurance. The insurer or insurance broker will recommend suitable accidental death insurance products to guide the application.

Summary. Hello, dear, the policyholder can bring his ID card to the insurance company to apply for whole life insurance or accident insurance.

Hello, dear, the policyholder can bring his ID card to the insurance company to apply for whole life insurance or accident insurance.

All of them have death guarantees.

If the insured person is not the policyholder, you also need to bring the ID card of the insured.

Moreover, the insured can only be the parents, spouse, and children of the policyholder.

If an accident occurs after the insurance is taken, will the compensation be paid to the beneficiary?

Yes, as long as the terms of the insurance contract are met.

Is there a time limit for applying for insurance? If I only buy it once, and I have an accident, will I be compensated?

Does the beneficiary have to be my relative or spouse?

Take a look at how long your insurance contract lasts.

If you buy the coverage period is one year.

That's only one year of claims.

If it is lifelong, there is no time limit, but this premium is high, and it has to be paid continuously for 10-20 years.

It can only be the parents, spouse, children of the insured person.

If you buy this kind every year, how much can you claim?

It depends on what you are buying and how much you insure.

The more premiums you pay, the more claims you make.

However, please note that you must comply with the terms of the insurance contract, and suicide will not be covered.

If you buy it year after year, how high you can buy and how much you can lose.

Millions can be paid.

As long as you pay more.

It depends on different insurance companies and different insurance products.

Millions, how much do you need to pay in a year?

More than ten thousand. You can choose to apply for insurance after comparison.

After the accident, the insurance company will investigate and review, and if the conditions are met, the claim will be made in accordance with the contract.

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.