Your family's situation is most suitable for Xinhua lucky star+additional 08 serious illness. The main insurance, Jizhao, is a dividend-paying term life insurance with saving and security functions. You can choose freely during the insurance period, and you can reach the age of 50, 55, 60, 65 and 70. It is recommended to choose long-term as far as possible, and a little bit at each stage is ok. Of course, the long-term payment method is the best, 20 years or 30 years. Ensure that the ratings of 200,000 are the most appropriate. Without it, it won't work. Too much, I'm afraid there will be pressure. Besides, you and your children are not insured yet. The premium is 65438+ 00% of the annual income!
For example, for a 30-year-old male, the lucky star is 200,000+200,000 for serious illness, which will be paid in 20 years until he is 70 years old, with an annual premium of 9,560 yuan.
Responsibility: three insurances and one gold.
1) medical expenses for major diseases are 200,000 yuan;
2) Death compensation of 400,000 yuan, plus dividends; This responsibility is independent of the responsibility 1), that is, it can be compensated repeatedly.
3) 600,000 yuan of high disability compensation, plus dividends;
4) At the age of 70, the insured receives 200,000 yuan+accumulated annual bonus+final bonus.
It is very correct to insure your family first, but don't neglect to insure yourself and your children. Although you don't need to guarantee your earning power at present, your significance to your family is also very important, and your health also needs to be guaranteed. Theoretically, it should not be less than 200,000 yuan. In view of economic affordability, it can be 65,438+10,000 yuan first. Children are young and have poor immunity. Now all kinds of pollution are too great a threat to children. It is necessary to establish a children's medical fund. And the insurance premium is very low when children are young. If you choose to pay for 30 years, 200,000 only needs a little more than 3,000.
In this way, it is more suitable for a product to solve the safety problem of a young family! The total premium is estimated to be around 18000, just within 20%, which is reasonable!
I hope it helps you! Good luck!