It seems that there are still more white people. Senior students must make it clear to them today, what is the difference between life insurance and critical illness insurance!
So before the text, let's popularize this knowledge and talk about the difference between life insurance and critical illness insurance:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? 》
1. What's the use of life insurance and critical illness insurance?
1 life insurance
Let me explain life insurance to you first. The important function of life insurance is to give a lot of protection to the family economy after the death of the insured. Money from life insurance is specially used to pay off debts owed by families, such as mortgage and car loans.
Located in life insurance products, including term life insurance and whole life insurance, the guarantee period is several decades and the guarantee period is xx years, which belongs to the term life insurance category. Whole life insurance provides lifetime guarantee.
2. critical illness insurance
Critical illness insurance, as its name implies, is insurance to protect major diseases.
If the insured unfortunately suffers from a serious illness stipulated in the contract, the insurance company will pay a lump sum of serious illness insurance money.
The insured can use this money as a medical reserve fund, and the nutrition expenses and nursing expenses during the illness recovery period are enough to increase the blank income of the insured during the illness to a certain extent.
2. Which is better, life insurance or critical illness insurance?
Let's discuss which is more worth buying, life insurance or critical illness insurance.
Because there are some differences between the two types of insurance, of course, you can't simply do multiple-choice questions! Or choose according to your own situation.
Not everyone wants to buy life insurance.
Because the main function of life insurance is to deal with the family debts after the death of the insured, it is usually suggested to allocate family economic pillars, such as children and the elderly at home. There is no need to buy life insurance, just give them other health protection.
Everyone should understand that the insurance premium contained in life insurance is generally used to repay family debts, so when choosing to insure life insurance, you should choose the insurance amount that can cover the total family debts. Only in this way can economic risks be better transferred.
Moreover, because the price of general life insurance is high, from the perspective of cost performance, senior sister suggests that you configure a term life insurance with a guarantee period of almost seventy or eighty years old.
For example, cherish the preferred term life insurance, the physical examination can be omitted, and the maximum amount of insurance can be 3 million. The health report is easy to pass, so the insured need not be afraid! Interested friends, you can have a look:
"Love optimization, free medical examination up to 3 million! 》
2. The sooner you buy critical illness insurance, the better.
Not everyone needs to take out life insurance, and critical illness insurance is worth having. Once the risk of major diseases comes, it is the same for everyone. At present, the severity of the illness is beyond your imagination.
Therefore, critical illness insurance is suitable for anyone, or the sooner you configure it, the better!
Why do you say that? Because the rate of critical illness insurance is calculated by age, the younger the age, the cheaper the premium. For example, Mr. Wang insured Versailles 1 for his 30-year-old son Xiao Wang.
If you buy the same amount of insurance of 500,000 yuan, choose life insurance, and pay for 30 years without other insurance, you can calculate that Mr. Wang's premium is 10 100 yuan and Xiao Wang's premium is 3,750 yuan.
It's a clear gap, isn't it?
Moreover, Xiao Wang's protection period is from 0 years old to his death, and Mr. Wang's protection period is from 30 years old to his death. If nothing happens during this period, it is completely equal to Xiao Wang's protection for decades more than his father.
Critical illness insurance, buying early will help us more!
If you haven't insured the critical illness insurance, there is always one of the following excellent critical illness insurance products for you. Come and buy it!
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!