I want to buy myself a commercial insurance, but now there are too many types of insurance, and I really don't know what insurance is suitable for me. Ask a professional to introduce it in detail, don

I want to buy myself a commercial insurance, but now there are too many types of insurance, and I really don't know what insurance is suitable for me. Ask a professional to introduce it in detail, don't make it up. Buy insurance and choose as needed. First, analyze the family security needs (accident, hospitalization, serious illness, education, pension, investment and financial management, in turn), and then select the appropriate insurance products from more than 60 insurance companies. 1. accident insurance: if you often go out, there is a special traffic accident insurance, and 65,438+000 yuan will cover 654,380+000 aviation accidents and other traffic accidents with different amounts. In addition, buying a common accident is also 100 yuan, which can guarantee 100 yuan accident+20,000 yuan accident medical treatment. (Accident insurance can be purchased from insurance companies in official website or the third-party insurance trading platform). Second, critical illness insurance: buying insurance means buying protection. Of course, the more comprehensive the protection, the better, and the less the protection. The products with high cost performance are: 1, and the consumer type is a caring expert who keeps people healthy. 2. Return the insured amount without paying dividends: 1) Sino-Dutch Life B Lifelong Care (42 serious diseases+12 specific serious diseases). 2) China Life's 20 12 Corning Lifelong (40 serious diseases+10 mild diseases). 3) Sino-British Life is auspicious and healthy (suitable for middle-aged and elderly friends, and the premium is not upside down). 3. Refund of insured amount+dividend type: 1) Love of Taikang Life Insurance (40 serious diseases+10 mild diseases). 2) Sino-Dutch life care (42 serious illness+12 specific serious illness+1/mild illness+nursing allowance+medical examination allowance). Third, medical insurance: cost-effective products are: 1, Sino-Dutch life insurance additional medical care (self-funded drugs can also be reimbursed). 2. Experts who guard people's health (Recommended Edition). 3. Global medical services of Sino-British Life. Fourth, the old-age insurance: cost performance: 1, a good boy of Sino-British Life Insurance. 2. China Life's childlike innocence lock. 3. Life and the wealth and omnipotence of life. 5. Investment and financial management: The latest types of insurance, many companies have launched investment and financial management products, and then recommend them according to customers' analysis. The specific scheme needs to be discussed in detail before a more targeted scheme can be made. I graduated from university and joined the "insurance intermediary" (professional insurance supermarket) in 2009. I can compare and analyze thousands of insurance products of more than 60 insurance companies for you free of charge. Can truly achieve objective analysis, free for you to shop around, and can save 20% of the cost! I recently summarized the latest product comparison information of major insurance companies. Friends in Beijing, if you need help, please feel free to contact!