If you buy consumer goods, the price is cheaper, but if you don't get out of danger in the future, you won't pay back the principal. If you buy a return type, the price is relatively high, but you can return it in full when it expires. If you buy a dividend, the price is higher. Dividends can be added to the principal in the future.
The price of life insurance is higher than that of term insurance, and the age group with high incidence of serious illness is 40-65 years old. If the economy is limited, it is more appropriate to buy regular serious illness protection until the age of 70.
If you are young now, you can buy an accident insurance first, and then buy a serious illness when you are old. But now the onset of serious diseases is also developing towards younger age. If your family is in poor health, you should buy more insurance as soon as possible, because once you get seriously ill, you will be refused insurance.
Price reference:
Consumer accident insurance: the annual payment is 100-400, and the insured amount is about 65438+ 10,000.
Consumer critical illness insurance: different ages have different premiums, and the younger you are, the cheaper you are.
Return-type main insurance for additional serious illness: It varies according to the insured amount, with the insured amount of 65,438+10,000. For 25-year-old men, it is estimated to be 3,000-4,000 per year, that is, 300-400 per month.