However, personal information is not clear.
Only the planning itself, explain a few points for reference only:
Xinsheng is a purely guaranteed dividend insurance;
The insurance coverage is relatively conservative and very conservative, with a serious illness of 80 thousand, which is of little practical significance. Basically, it is recommended that the customer be seriously ill for 200,000, which is also a practical guarantee;
It seems to have everything, but there is no focus. Once the situation needs to be guaranteed, it is basically embarrassing;
Can't you try to pay for 30 years?
The total premium is more than 4,000 yuan. Whether you can choose other types of insurance products can broaden your thinking.
General principles:
1. Age is the first consideration.
2. The premium expenditure should be 10%- 15% of the annual income, and the insured amount should be set at 6- 10 times of the annual income. But it needs to be analyzed in detail.
4. Whether there is social security, please pay attention to obtaining medical insurance and providing for the aged.
5. Under the premise of social security, plan commercial insurance, focusing on accidents and serious diseases. Social security and commercial medical insurance cannot be reimbursed repeatedly, please remember.
6. At the same time, pay attention to the protection of family members, protect the people around you as much as possible, and achieve comprehensive family protection. Otherwise, the protection will be unbalanced and the meaning of protection will be lost.
7. It is very important to give priority to ensuring the main source of family income as much as possible.
8. Recommended: Ping An Life Insurance Company of China, Ping An Smart Life Universal Insurance, Ping An Fu whole life insurance. .
9. Personal advice or extensive and effective communication with agents. After all, face-to-face communication is the most direct and effective. If necessary, you can also directly call the customer service phone of the relevant insurance company for verification and consultation.