Which type of insurance is suitable for 36 years old for Xinhua Life 40

It is recommended to purchase in the following order:

1 Accidental injury + accidental medical treatment, 100 yuan, **cheap, must-have.

2 Jixing Gaozhao, with 08 critical illness, this product is characterized by high protection, full protection, low premium, taking into account pension, serious illness and death protection, and death is 2 times the payout. If there is no risk during the insurance period, a pension can be paid at maturity, which is also a way to save the pension.

3 Health Fuxing, this is a lifelong fixed increase in critical illness insurance, Jixing Gaozhao's additional 08 critical illness is consumption-based, and the longest period is to the age of 70, so it is necessary to add a lifelong critical illness insurance, Health Fuxing is dedicated to serious illness and death, and the critical illness insurance is increased by 3% of the insured amount every year to meet the needs of the annual increase in medical expenses. For example, I bought a health fortune star by myself, 3,510 yuan per year, paid for 30 years, the insurance amount was 100,000 yuan, and the serious illness insurance premium rose by 3,000 yuan per year.

4 Enjoy life, if you still have the energy to spare, you can consider this product, which is specially used for the elderly. This product is very well designed and is the best product on the market for elderly care and education. You can contact your ** person to discuss the specific terms.

This is just my personal opinion for your reference.

The order of purchase of Lucky Star and Health Lucky Star can also be adjusted according to your needs. For example, if you are more worried about the livelihood of your family after the accident, you can buy Jixing Gaozhao first and then buy Health Fuxing, if you value your health problems, you can buy Health Fuxing first and then buy Jixing Gaozhao. You can also attach critical illness insurance to your exclusive life, and if you are 80 years old, it can be regarded as lifelong.

Specifically, it is best to communicate face-to-face with your **person.

New China Life's **:

There are introductions to various types of insurance above for your reference!

It is recommended not to buy New China Life, the quality of their staff is too low.

At the age of 39, you should start to consider purchasing critical illness insurance, and at the same time, buy general medical insurance and accident medical insurance. Critical illness insurance refers to the commercial insurance behavior handled by the insurance company to cover specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., and when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent. According to whether the premium is refunded, it can be divided into consumption-based critical illness insurance and return-oriented critical illness insurance.

In addition, the probability of unintentional injuries in 39-year-olds is also increasing year by year. There are relatively few insurance products for this age group, so many people in the 40-year-old age group will consider buying accident insurance first.

And you can also choose endowment insurance and life insurance, because the rate of life insurance products is increased with age, in this case, after the expiration of the policyholder's payment period, the sum of the total premiums paid is greater than the sum of the various protections and benefits that the insured can receive.

In terms of endowment insurance, for those who are about to or have just entered the threshold of 40 years old, they can choose a commercial endowment insurance. When purchasing commercial endowment insurance, it is necessary to clarify the payment period. In view of the current economic situation, it is recommended that consumers shorten the payment period appropriately, so that the total amount of premiums to be paid will be reduced.

At the age of 39, you should buy yourself a critical illness insurance. Nowadays, social work is stressful, and more and more people are suffering from cancer, heart disease, high blood pressure, and diabetes, so you can buy a critical illness insurance. But you don't have to go to Xinhua Insurance to buy it, you can look at Ping An Insurance, or the products of other insurance companies.

How should a 39-year-old person buy insurance, in order to give you an answer, I screened out some high-priced products overnight"Staying up late to tidy up|Suitable for 39 years old, top ten cost-effective insurance ** points".

In fact, whether it is Xinhua Insurance or other insurance companies, the insurance that should be configured at the age of 39 is the same, and I will give you a brief introduction.

Let's talk about the best insurance configuration for 39 years old: critical illness insurance + life insurance + medical insurance + accident insurance.

Reasons why you must buy critical illness insurance:On the one hand, the 39-year-old is burdened with huge family responsibilities, housing loans, car loans, childcare, and supporting the elderly are all supported by the couple. The role of critical illness insurance is to compensate for medical losses and income losses, reduce the burden on families, and prevent them from falling back into poverty due to illness!

On the other hand, the data shows that the probability of suffering from critical illness increases significantly after the age of 30, and the premium of critical illness insurance will also increase with age, so there is no need to hesitate at the age of 39!

Functions of life insurance:The unfortunate death of the family's financial support will shatter the originally happy family, and it will be difficult to maintain the original quality of life. The role of life insurance is to provide financial compensation to the family after their death, to maintain their original life, and to continue their love and responsibility.

At the age of 39, it is recommended to buy term life insurance, because the ** of fixed life is several times cheaper than whole life insurance, and it is more cost-effective!

Medical insurance can be said to be a supplement to medical insurance, with a wider range of coverage, and some special drugs and purchased drugs cannot be reimbursed by medical insurance, it can, and the reimbursement amount is higher. At the age of 39, it is very cheap to buy a million-dollar medical insurance, and it only takes more than 200 to buy millions of medical insurance.

Brother Bao said insurance, focus on insurance evaluation! What kind of critical illness insurance is suitable for 32-year-olds? Just compare it and find out! Here is a set of the latest domestic popular critical illness insurance comparison table: the top ten insurance companies "worth buying" popular critical illness insurance inventory!

There are a lot of products of Xinhua Insurance, I don't know the specific needs of the landlord, you can take a look at this Xinhua Insurance analysis data before making a choice:

32-year-old people, most of them have become the main pillar of the family, not only to support the family, but also to bear the heavy pressure of car loans and mortgages, and the pressure at work should not be underestimated, any risk may lead to a crisis in the family, so for people of this age, if you want to share the pressure on yourself, buying insurance is a good choice.

So what kind of insurance is suitable for people of this age? The recommendations are as follows: critical illness insurance + medical insurance + accident insurance + term life insurance.

1.Critical illness insurance.

In today's society, serious illness is no longer synonymous with the elderly, and the risk of serious illness for 32-year-olds is also getting higher and higher. What's more, the cycle of many serious illnesses is relatively long, and the later expenses and lost work expenses also need to be taken into account. Therefore, critical illness insurance needs to be configured first.

2.Medical insurance.

People at this age, after purchasing critical illness insurance, should also prevent minor illnesses and disasters that may occur at any time. If you buy a million-dollar medical insurance, the premium will be only a few hundred yuan a year, but the protection will be millions, which will solve the part that cannot be reimbursed by medical insurance. In order to let everyone avoid detours, I stayed up late to compile a list of super cost-effective medical insurance for millions, if you are interested, you can take a look:

What are some good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurance in 2020.

3.Accident insurance.

Accidents and tomorrow which will come first, you can never **, although this is a sentence that is about to be said rotten, but the truth is correct. Therefore, accident insurance should be the insurance that everyone needs, and it is not expensive. If there is an accident at this age, what should the wife, children, and parents of the family do?

Therefore, it is very necessary to arrange an accident insurance for yourself.

4.Term life insurance.

At this age, while supporting the elderly and raising children, you also need to repay the car loan and housing loan, and after configuring health insurance, death protection must also be considered. In the event of unfortunate death, it will be a heavy blow to both parents and wife and children, and after buying life insurance, it will not let the family bear huge financial pressure, at least it can leave a guarantee for them.