Life insurance? How to divide and what are the types of Chinese life insurance

Hello: Life insurance can be divided into life protection and asset preservation. Life security can solve three things: big things, small things, and nothing. Asset preservation can be divided into asset stripping, asset transfer, and asset inheritance. Have a great day!

Hello! Your question is a bit big, I don't know if you want to ask about the classification of life insurance. If you have answered other questions for you, let me introduce you to the types of life insurance:

Life insurance can be divided into the following categories: ordinary life insurance; annuity insurance; Simple Life Insurance; Group life insurance and new life insurance. If you need help, you can contact me directly.

Hello, are you asking about the classification of insurance? Reference: General Process of Life Insurance Application Seven major insurances that are indispensable in life.

Hello! There is no standard answer, in terms of insurance years, there are whole life insurance, term insurance, and both

Hello: No matter which company, whether it is domestic or domestic life insurance, there are only three types: participating insurance, universal insurance and investment-linked insurance.

Hello! Really don't know what you're asking? So can't you. Thank you!

Hello! Life insurance is based on people's health and longevity.

Life insurance, health insurance, accident insurance.

Hello: I don't know what you're talking about? Divide what?

Speaking of classification, it can be divided into dividend insurance, investment-linked insurance and universal insurance. Of course, it can also be divided into endowment insurance, accident insurance, and medical insurance. There are many ways to classify them, so I don't know what you're trying to ask in your question. I hope you are satisfied.

Hello! There are many types of life insurance, such as whole life insurance, term life insurance, life and death insurance, and endowment insurance.

Life insurance is a commercial insurance, which can be roughly divided into financial insurance, critical illness insurance and accident insurance.

It is divided into ordinary life insurance and new life insurance. General life insurance is divided into term life insurance, whole life insurance, endowment insurance and annuity insurance, and new life insurance includes participating insurance, investment-linked insurance and universal insurance. Choose term life insurance with a lower budget and low premiums; If you want to be able to claim no matter what, choose both insurances, which will have higher premiums; If you have a budget and focus on savings, you can choose whole life insurance.

Insurance is divided into pure protection, pure financial management, and universal insurance.

The insurance types will be updated, the old insurance types will be delisted, and the new insurance types will be listed.

Chinese life insurance is mainly divided into wealth management insurance and life insurance.

Among them, life insurance is mainly medical insurance and critical illness insurance, and we will mainly introduce these two types of insurance.

Medical insurance, it is a reimbursement type of insurance, the insurance company according to the medical documents according to the agreement to pay the claim, compensation for the insured in the hospital to accept the cost of **, so there is a clear agreement on the accounting of medical expenses, usually involving the deductible, compensation ratio, medical expenses reimbursement scope, medical institutions, etc.

Chinese Life's medical insurance products mainly include millions of reassuring treatments, such as e-Kangyue C, etc., and the respondent will not make a specific evaluation.

Ultra-complete! Comparison table of popular medical insurance in China

As for critical illness insurance, its full name is critical illness insurance. It refers to the commercial insurance behavior in which the insurance company pays the insurance money according to the insurance contract when the insured reaches the critical illness status agreed in the insurance clause.

In other words, once the insured unfortunately suffers from the specified critical illness, the insurance company will pay accordingly.

It is a kind of benefit-type insurance, that is, you can pay money first, whether it is used for treatment or other expenses.

Chinese Life's critical illness insurance products mainly include China Life Fu, Kangbei Bao, and Fuyou Life, but the respondent feels that the cost performance of these critical illness insurance is not very high, and we can buy more cost-effective products with the same budget.

Top 10 Popular Critical Illness Insurance Points Worth Buying!

Common life insurance includes annuity insurance, life insurance, comprehensive insurance, etc., in order to facilitate everyone's understanding, the following senior sister will introduce their differences.

1. Annuity insurance.

The conditions for the payment of insurance benefits in annuity insurance are insurance that is based on the survival of the insured and plans in advance for future needs.

Moreover, the stability of annuity insurance is relatively high, when purchasing annuity insurance, the payment time of insurance premiums and the specific amount will be written in black and white on the contract, and will not be affected by other objective factors.

However, the flexibility of annuity insurance is relatively poor, and the money deposited in annuity insurance cannot be withdrawn in advance. If you have to take it out, you may have to surrender the policy, and if the cash value of the policy is not high at the time of surrender, you may lose yourself.

There is also a piece of information about Kibishan annuity insurance, interested friends can take a look: Is annuity insurance good? Is there anything I need to pay attention to? What are some good products?

2. Life insurance. Life insurance is when the insured dies or becomes totally disabled, it will pay a sum of insurance money to the beneficiary, plan for possible risks, and avoid the financial embarrassment of the whole family due to the collapse of the insured.

However, some life insurance products may not provide total disability protection, so this is also something to be aware of.

3. Comprehensive insurance.

When the insured dies during the insurance period, the beneficiary can receive a lump sum death benefit; And if the insured survives until the expiration of the insurance period, then the insurance company will pay a maturity survival payment.

However, it should be noted that due to the different insurance terms, the return frequency, return amount and insurance period of both insurance will affect the level of premiums, so you need to combine your own situation when purchasing.

Answer]: a, b, e

Life insurance can be simply divided into ordinary life insurance, annuity insurance and new life insurance.

There are three common types of life insurance, namely term life insurance, whole life insurance and both-life insurance, life insurance can help families resist the economic risks caused by the death or total disability of the insured, and can also help us to force savings, effective tax avoidance and preservation of family property, etc., which is a very good investment and financial management tool.

Ultra-complete! Everything you need to know about insurance is here.

Term life insurance can be understood as the fact that during the protection period, if the insured dies or becomes totally disabled, then the insurance company will pay the death or total disability insurance benefit according to the sum insured agreed in the contract.

Whole life insurance is divided into fixed whole life insurance and increased whole life insurance, in which fixed whole life insurance means that the sum insured is fixed, and how much sum insured is bought, and the compensation will be paid according to the corresponding proportion when the insurance is issued.

The increased whole life insurance is a kind of life insurance that will increase the amount of insurance, and with the nature of financial management, the sum insured of this product will be compounded and increased every year according to a certain proportion, so that the amount of insurance will become more and more in the next few decades, and the wild can effectively resist inflation!

What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article!

If the insured dies during the insurance period, the insurance company will pay the death insurance benefit, but if the insured is still in a state of survival after the expiration of the insurance period (which can be a specific age or the end date of a certain agreed period), then the insurance company will pay a maturity survival insurance benefit according to the insurance contract.

About both insurance, the salesman will definitely not tell you!

Life insurance is a kind of life insurance, which protects the life of a person, and is an insurance that takes the survival or death of the insured as the condition of payment, and life insurance can be divided into two types: risk protection life insurance and investment and wealth management life insurance.

1. Risk-based life insurance.

There are term life insurance, whole life insurance, life and death insurance, survival insurance, etc.

1. Term life insurance: For example, if the insured dies within 30 years of life insurance, the family can get the compensation if the insured dies within 30 years.

2. Whole life insurance: life insurance for a lifetime, people are inherently dead, people always have to leave that day, this is an inevitable event, and it is only a matter of time before the nuclear crack is made, so whole life insurance is 100% life insurance that will lose money, no matter when, the person dies, and the family can get the compensation money.

3. Life and death insurance: This is a legendary insurance that protects both life and death, regardless of survival or death, you can get the claim after expiration.

4. Survival insurance: Survival insurance, the insured survives to the agreed period, and can get the claim payment.

2. Investment and wealth management life insurance.

There are mainly participating insurance, investment-linked insurance, universal insurance, etc.

1. Dividend insurance: To put it simply, it is to put money into the insurance company and enjoy a part of the money earned by the insurance company in your policy, but the dividend is uncertain.

2. Investment-linked insurance: Fenglu closure insurance is relatively high, self-financing, and the money and income put in it are not guaranteed.

3. Universal insurance: the money and income put in are ***, and the minimum guaranteed interest rate will be written in the contract, and the risk is lower.

4. Increased whole life insurance: It belongs to the insurance that protects both the person and the money, mainly to protect the money, and the purchase is a cash value account, how much money rises every year, are written in the contract, and when to take the money and how much money are the final say, and the flexibility is better.

3. What kind of insurance do ordinary people need?

Taking the pillar of the family as an example, the most important thing to buy above insurance is term life insurance, focusing on the critical period of family responsibility, such as starting from 30 years old to 60 years old, buying higher protection with less money, ensuring that there is a higher amount of insurance at this stage, in case a person falls, you can pay a sum of money to your family, and continue to bear family responsibilities in another way.

In addition, in addition to the configuration of life insurance, health insurance, such as million medical insurance, critical illness insurance, and accident insurance, should also be considered, corresponding to the transfer of economic losses caused by illness and accidents.

After completing these insurances, if you still have a budget, you can appropriately arrange investment and wealth management life insurance, such as universal insurance, increased whole life insurance, etc.

The insurance itself is more complex and involves more professional knowledge, so you must pay attention to figure out what can and cannot be insured when buying, and if you are buying health insurance such as medical insurance and critical illness insurance, you must also pay special attention to health notification. If you are worried that you are easy to buy the wrong one, you can find a professional person to help check it, so as not to lose money in the future.