If you want a higher insurance coverage, Darwin III is insured by Xintai, and the insurance coverage is relatively high, with an extra 80% before the age of 60.
In addition, there is a worry-free life 2020, which can pay an extra 60%, which is also very good.
If you want to buy a product with multiple payments, I recommend Kunlun Health Guard No.3 and Fosun United 666, both of which are very good products with high cost performance.
In addition, Kang Huibao of Centennial Life Insurance is cost-effective and suitable for the situation of insufficient budget, and then his compensation can be increased by 60%. Good, too.
1. Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer assumes the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.
2. From an economic point of view, insurance is a financial arrangement to share accident losses; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.
3. Insurance function
First, there must be risks in insurance. The purpose of establishing insurance system is to deal with the occurrence of specific dangerous accidents. Without risk, there is no insurance. In order to apply the principle of large number, commercial insurance institutions generally do not underwrite such risks.
Two, insurance must give economic compensation for the losses caused by dangerous accidents. The so-called economic compensation means that this kind of compensation is not to restore the destroyed original things, nor to compensate the real things, but to make monetary compensation. Therefore, the losses caused by accidents must be economically calculable. In life insurance, people's own value cannot be calculated, but people's labor can create value. Death and disability will lead to the loss of labor force, which will reduce the income and increase the expenditure of individuals or families. Therefore, life insurance is to make up for this economic increase in the form of economic compensation or payment, rather than ensuring people to recover their lost labor or lives.
Third, insurance must have a mutual assistance relationship. The insurance system is to allocate losses to many units to reduce the losses of the affected units. Through insurance, the insured * * * jointly pays the insurance premium, establishes an insurance compensation fund, and * * * is jointly guaranteed.