Question 2: What insurance should a family of three buy? I bought China Life's China Life Credit Suisse Old-age Security (dividend-paying) for your children, which has both medical care, dividend-paying and financial management. The premium should be more than 6000 yuan. Children can only buy so much in ten years. The insured amount is 33,000 yuan, and the disease protection100,000 yuan. Return 8% of the insured amount every three years until the age of 80, with dividends and interest. Return the insurance premium three times+bonus when it expires. You and your wife can also buy it. Personal suggestions are for reference only.
Question 3: Around the healthy and happy growth of children, what kind of insurance is the most suitable for a family of three, so we should design a child-centered family security plan.
However, before parents plan their children's security plan, they must first plan the risks of parents and families, because the risk planning around parents is related to their children's future life; Children's own planning should also have a certain priority, that is, to buy insurance for children, first of all, we should start with accidental medical care and major illness protection, then consider the preparation of children's education funds at all stages, and finally consider the children's venture capital, wedding money and other expenses.
Key points of insurance planning:
The complete and full protection of the father (the head of the family) is the protective amulet for the children and the whole family. The householder needs a high amount of whole life insurance and critical illness insurance in case of unfortunate death. The high insurance premium can be used as the child's future upbringing and education expenses, meet the daily expenses of the family and maintain the quality of life of the family. The king of critical illness insurance can also pay high medical expenses for his father when he is unfortunately suffering from a serious illness, so as to ensure that he can get high-quality medical services, recover as soon as possible and take on the heavy responsibility of the family again.
As a mother who supports half a family, working hard with her father for the construction of the family and the upbringing of her children needs to face the double pressure from career and family, and female medical insurance is essential; At the same time, the wife is also one of the economic sources of the family. From the perspective of ensuring the security of family income, wives also need certain regular or whole life insurance security.
Children's resistance is weak and there are many opportunities for illness. Once a child gets sick or has an accident, it will cause a great burden to the family economy, so it is very important to have adequate and perfect medical insurance for diseases and accidents. If the family has a big medical history, the child's major illness protection is also very necessary; On the basis of properly arranging the above two guarantees, we can consider reserving education funds for children; On the basis of sufficient education funds, if there is a surplus in family income, we can consider storing venture funds and marriage funds for our children.
Overview of insurance plan:
With the term life insurance of both parents as the leading factor, supplemented by critical illness insurance, the combination can provide a basic protection scheme with low premium and high security for a family of three. On this basis, sufficient medical insurance can be attached to children, and at the same time, sufficient education funds can be prepared for children through double life insurance.
Question 4: What insurance should a family of three buy? If it does not exceed 50,000 in eight years, it is difficult for adults and children to have education funds. Adults recommend family photos and children recommend small apples, but they have to pay 654.38+00000 in the first year and withdraw money from their accounts in the second year. I will do it every year after that. After 654.38+00 years, there will be about 20,000 yuan of income, but the income will be very small. . .
Millionaire Baby Plan (Little Apple)-800 yuan becomes a millionaire every month!
The payment period is 0 years, and the annual payment is 1 ten thousand yuan, that is, 1 year, totaling 1 ten thousand yuan.
Account value
1. 18 years old policy anniversary, personal account value is about150,000 yuan;
2.28-year-old policy anniversary, personal account value is about 220,000 yuan;
3.60-year-old policy anniversary, personal account value is about 770,000 yuan;
At the anniversary of the 4.80-year-old policy, the personal account value is about 6.5438+0.4 million yuan;
Enjoy safety
1, value guarantee fund: 65,438+million, until the age of 80.
2. Critical illness insurance: 200,000 yuan, guaranteed to 80 years old.
3. Insurance premium for special diseases (leukemia): 240,000 yuan.
4. Insurance premium for minor illness and serious illness: 40,000.
5, additional hospitalization medical insurance, hospitalization expenses of 6000 yuan each time (its
1000 yuan is self-funded medicine)
6, additional hospitalization allowance insurance, every day in hospital subsidies 50 yuan.
7. In case of an accident, the insured may be exempted from paying the unpaid insurance premium.
Features:
1, partial collection, flexible and convenient, junior high school, high school, university, marriage, entrepreneurship, and parental support can all be what you need;
2, high income: expert financial management, income security, annual payment 1 10,000, to build a millionaire;
3. Comprehensive protection (without reducing the main insurance): it has the most 52 kinds of light and serious illness protection in the market;
4, sincere care, premium exemption, so that parents' love will accompany their children for life.
Question 5: What are the precautions for a family of three to buy insurance? You have a good sense of insurance. For adults, it is suggested to choose some term life insurance, add necessary serious illness items and add some hospitalization insurance. If you are still considering providing for the aged, you can choose these term life insurance as some types of insurance with the function of saving dividends.
As for children, you can consider such a combination: card-type children's insurance card+exclusive education fund guarantee. The former guarantees basic accidents, medical care, serious illness and other projects, while the latter specifically guarantees education projects.
Reference link: tieba.baidu/p/4203000349
Question 6: What kind of insurance is the most suitable for a family of three? There is a policy to protect the family's insurance, but that is only the most basic and basic protection of the person-accident. On 100-200 yuan.
Insurance can solve many problems. Mainly include: solving children's education, pension, medical care, asset appreciation and so on. What is the most important problem you need to solve now? This insurance can solve your problem, and it is very suitable.
Question 7: What insurance should a family of three buy? It's good that you have insurance awareness, but it's not enough to have insurance awareness. You should also have some basic knowledge about insurance and learn some basic insurance knowledge. If you don't mind, shall we learn some basic insurance knowledge now?
Buying insurance must be clear about a basic truth: buying insurance is buying protection! Not others (such as stocks, funds, deposits, etc.). Buying insurance is an effective way to avoid personal risks and establish a personal security system. It is also a way of managing money. If you want to manage your money correctly in this way, you must learn and understand some basic knowledge of insurance. If people follow the trend, or take it for granted to buy insurance products, the result may be counterproductive, which will not only make you spend money on products that you don't necessarily need, but also make you worry for a long time, even for life.
Insurance is divided into social insurance and commercial insurance.
Social insurance is statutory insurance, which can also be called policy insurance. It is an insurance implemented and managed by the state administrative department by administrative means according to the law. All working or self-employed adults must take out insurance. Can provide economic security for the insured within the scope of basic medical insurance, basic endowment insurance, work injury insurance, unemployment insurance and maternity insurance. Because social insurance is a compulsory act. Employers (or institutions) should sign labor contracts when hiring employees, and employers (or institutions) should handle social insurance for employees, which is the social responsibility and obligation of employers.
Individuals can participate in social security as freelancers, and then they have to fulfill the obligation of timely, full and continuous payment. Insured people can get relevant economic security when they encounter the above problems of basic medical care, basic old-age care and maternity insurance.
Social security emphasizes social equity (only one for each insured person), and its basic principles are: low level and wide coverage. Promise, no promise. Therefore, its degree of protection can not fully meet individual needs, and it needs commercial insurance to supplement it.
Commercial insurance: it is an insurance that gathers the strength of the society (the insured) and provides due economic security for a few insured people when they encounter certain personal risks (such as major diseases, accidental injuries, medical health, etc.). ). Buying commercial insurance is a commercial activity, which should be purchased according to personal needs and personal economic ability to pay. Since it is commercial insurance, it has a strong commercial color and is a supplement to social insurance. Commercial insurance emphasizes personal fairness (buying according to one's own needs and economic ability, buying more and insuring more, buying less and insuring less, and not buying, there is no guarantee), and its positioning should be: the supplement of social insurance. The principle of purchase is: voluntary principle.
The two kinds of insurance have the same characteristics: providing a certain degree of economic security for the insured. Social security must be bought because there are certain benefits. As for whether to buy commercial insurance? What kind of insurance do you need most? How much to buy? That depends on your own needs and economic ability to pay.
Buying insurance means buying protection, and protection is what everyone needs. Therefore, before buying insurance, we must make it clear: what is insurance? Why buy insurance? What kind of protection do I need most? How much protection do I need? How many insurance products can I buy with my present ability? If you really want to buy some insurance for yourself and your family, I suggest you:
1, learn some insurance knowledge first;
2. Understand the role and significance of insurance;
3. Identify your insurance needs;
4. Insure according to your actual needs and economic ability. Really do it: clearly understand consumption and enjoy it in a down-to-earth manner. Otherwise, due to my ignorance for a while, I may get endless troubles in the future.
For adults, you should buy social security first and then insurance. If you already have social security, then you can choose to buy some commercial insurance to supplement it. Because social security is the foundation and commercial insurance is the supplement.
There are some basic principles for buying commercial insurance, such as: adults buy first, children buy later; First base, then perfect; First near, then far ... and so on. It should be very necessary to understand and follow these principles. If you want to know more about insurance, you can go to the insurance website. Or find a responsible and proficient high-quality insurance salesman for relevant business consultation.
There are risks everywhere in life, such as accidental injuries, health problems, and pension problems ... >>
Question 8: What kind of insurance should a family buy? During marriage, you can buy some term life insurance, accident insurance, low-cost and high-security reimbursement or subsidized supplementary medical insurance; Next, you can consider buying critical illness insurance or whole life insurance; After having children, you can buy some children's education insurance and dividend insurance returned by survival money; In the mature period of family economy, according to personal risk tolerance, we can consider buying some pension insurance, universal insurance or investment-linked insurance.
Question 9: How to choose insurance for a family of three? If you want to get suitable insurance, you need to provide detailed information: the date of birth on the ID card or household registration book, their respective surnames, the family's current income, expenses, debts, savings and the simple situation of both parents.
If you have not bought insurance before, it is recommended that parents give priority to accident insurance+critical illness insurance+cancer prevention insurance, and children give priority to critical illness insurance+regular cancer prevention insurance. It is best to make a complete insurance plan. If it is configured in front, you can consider your own supplementary pension and children's education.
Question 10: How to buy insurance for a family of three? You have a good sense of insurance. The most urgent insurance for you and your husband at present is accident insurance and critical illness insurance. According to your income, we recommend the following accident insurance:
"Worry-free every year" comprehensive accident insurance (Platinum Plan): including accidental injury (death, disability, burns), accidental medical treatment and accidental hospitalization allowance protection.
hzins/product/accid/detal- 108
Comprehensive accident insurance in auspicious year: including death, disability and accidental medical insurance caused by accidents, as well as accidental hospitalization allowance and ambulance fee guarantee. hzins/product/accid/detal- 103
"Peace is a blessing" comprehensive accident insurance (1): to protect the death and disability caused by accidental injury, to pay accidental injury insurance, and accidental medical insurance to pay necessary and reasonable accidental medical expenses. Hz ins/product/accid/detail-105 In addition, it is recommended that you purchase the following health insurance:
Yishun Careless Comprehensive Protection Plan: Especially suitable for young and middle-aged people with high work pressure and strong sense of family responsibility. This protection plan is very comprehensive, and the maximum compensation can be three times the insured amount.
Century Taikang personal medical hospitalization insurance: this insurance is not only suitable for young and middle-aged people, but also suitable for active children aged 3- 18. She has the characteristics of comprehensive protection, low premium and continuous protection. At the same time, there are five grades of products to meet the needs of different people. Your child is still young, so it is recommended to give priority to children's health insurance with additional accident protection. When the child is about 5 years old, you can consider appropriately increasing the child's education insurance.
It is recommended to purchase the following children's insurance:
Taikang Children's Music: This product is specially designed to protect children's friends and protect children from accidental injuries, accidental medical treatment and accidental allowances. hzins/product/accid/detal- 1 1 1
Children's Peace Card: "Children's Peace" accident insurance is specially designed for children with weak awareness of risk prevention, and the maximum compensation for accidental hospitalization can reach 6.5438+million. This product covers serious illness and high accident medical insurance, and is a safe choice for parents. Hzins/ Products/Health/Details -56