For those of us who want to buy insurance, take me for example. After 80, people are old and young. When buying insurance, you should not only buy your own insurance, but also buy insurance for a big family. However, for many insurance whites, it is enough to buy an insurance yourself. Too many products, dazzling, afraid of pits, I don't know how to choose.
Today, we will explain in detail how to choose insurance for different age groups. Look at the key points of buying insurance at different ages.
One: age classification
Childhood (0- 18 years old)
New to society (20-27 years old):
Married (28-40 years old)
Career peak (40-50 years old)
Old age (over 50 years old)
Childhood (0- 18 years old)
Many post-80s families like me have children, so they will naturally consider buying insurance for their children. However, because of emotional factors, our parents often love their children more than themselves. When buying insurance again, they often consider their children first. As long as it is good for children, it often costs a lot of money to buy enough for children.
Financially speaking, children are not our assets, but our liabilities. Raising a child takes up a lot of time, energy and expenses. Because children don't have jobs, they can't create value and generate income, so it is not wise to spend a lot of budget to buy insurance for children at this stage.
Purchase strategy:
Accident insurance:
Be sure to buy it for children, because they are lively by nature and have a high probability of bumps and bruises. A child who has just been born for a few months has just learned to turn over and has a great chance of falling out of bed, not to mention stumbling when learning to walk. Therefore, the medical expenses caused by accidents are the focus of attention, so choose products with accidental medical treatment in accident insurance.
Critical illness insurance:
It is recommended to buy consumer products for children, such as paying 20 years for 30 years, and it is not too late to buy lifelong products according to their own situation after their adult work. And after decades, insurance products will get better and better, and children can bear part of the expenses after work. Therefore, insurance must be done before children, and the safety and health of adults is the biggest guarantee for children in the future.
Medical insurance:
Children's medical insurance is a welfare given by the state. It is recommended to buy it for children first. Secondly, buy other medical insurance as a supplement to the non-reimbursable part of social security.
FREQUENTLY ASKED QUESTIONS
Many parents have bought universal insurance for their children, and Ping An Wisdom Star and Wisdom Star are typical representatives. It seems that both financial management and safety are taken into account. In fact, these two points have not been done very well. We have done a detailed evaluation before, and we recommend reading it.
New to society (20-27 years old):
Everyone just came out of school and will have a certain income after joining the work. This stage is characterized by great changes and income may not be very stable. Moreover, there are still many places to spend money in the future, and we should also make good reserves for the subsequent marriage and career.
Purchase strategy
Because the physical condition is good at this stage, from the statistical point of view, the incidence probability is the lowest stage in life, so it is suggested to solve it through consumer products, and the payment pressure is not so great.
Accident insurance:
We have had many evaluations before, so we will skip them.
Critical illness insurance:
At present, there are many 1 year or regularly paid consumer products. At this stage, you can appropriately reduce your own payment pressure and consider full protection.
Term life insurance:
If you consider that your parents have no support after the risk occurs, you can buy term life insurance because it is cheap and highly leveraged. At present, there are many consumer products, the cheapest of which covers 654.38+ million yuan, only a few tens of dollars a year.
FREQUENTLY ASKED QUESTIONS
Financial insurance is not recommended. The advantage of insurance financing is safety and stability, and it takes a long time to see the effect of compound interest. It is not recommended to buy it. In fact, it's good to mind your own hands and not spend money and save money.
Young people have their own ideas about financial management. At present, Internet finance is in the ascendant, and financial management is not the pain point of this age group.
Married (28-40 years old)
At this stage, they generally set up their own families, and their family responsibilities are still great. There are old people in the world, little people in the world, and maybe a mortgage. Although the income has improved obviously, household consumption is also rising gradually and will reach its peak. The focus of this stage is the allocation of guaranteed products and the transfer of our financial risks through insurance.
Purchase strategy
Hailian suggests that you can make a reasonable family plan through insurance portfolio. What is an insurance portfolio? That is, through the combination of one-year, long-term payment and life insurance, not only the insurance amount is high enough, but also the premium expenditure will not be great.
Accident insurance:
There is nothing to say. I have to buy it.
Critical illness insurance:
It is recommended to buy lifelong critical illness insurance, because the physical condition is acceptable at this time, and the price of purchasing lifelong critical illness insurance at this age is not very expensive. Buying now is the best time, and it will guarantee life. At the same time, if you still have extra budget, you can buy consumer products with serious diseases and increase the insurance coverage through product mix.
Critical illness insurance:
It is recommended to buy lifelong critical illness insurance, because the physical condition is acceptable at this time, and the price of purchasing lifelong critical illness insurance at this age is not very expensive. Buying now is the best time, and it will guarantee life. At the same time, if you still have extra budget, you can buy consumer products with serious diseases and increase the insurance coverage through product mix.
Medical insurance:
First of all, social security is a national welfare and a basic guarantee. With social security, you can configure some high hospitalization medical insurance, such as enjoying e-students, which is a very good choice. If you are at this age and are still streaking without social security, it is recommended to buy Lejian lifelong medical insurance.
See the medical insurance evaluation for details.
FREQUENTLY ASKED QUESTIONS
For most families, Hailian is not recommended to buy financial insurance at this time. For ordinary people, is your guaranteed product configuration enough? Remember our first example? Different stages have different emphases. Don't do what seems right.
Career peak (40-50 years old)
At this stage, we have enough social experience, our income has reached the peak of our life, and we are used to the ups and downs of life, so we are naturally calm and calm. Generally, there are certain family responsibilities at this time, for example, children may still be studying. At this time, our physical condition is not as good as before. Long-term work pressure and bad living habits, coupled with the influence of environment and diet, are gradually exposing many problems.
Purchase strategy
Accident insurance:
If you want to buy it, it is recommended that the purchase amount must be high. Many people claim that the insurance coverage of accident insurance is 10 times of the annual income, so it may be higher. For practical purposes, Hailian suggests that ordinary people should allocate at least 1 10,000 accident insurance. In fact, the price is not expensive, just a few hundred yuan. If you need higher insurance coverage, you can also buy it at the same time in different companies, which is cheap and simple.
Critical illness insurance:
This is the last time to buy critical illness insurance, because the physical condition is not as good as when I was young, and the premium will be slightly more expensive. If you miss this age, it will be uneconomical to buy critical illness insurance in the future, and the premium will be upside down. Therefore, it is better to buy critical illness insurance in advance.
Endowment insurance:
In fact, we should pay attention to the old-age planning at this time, and the old-age insurance is only a means to solve the old-age problem. Pension planning is actually a kind of financial planning to ensure that our quality of life will not be greatly reduced by long-term living and medical expenses after retirement.
Pension is a relatively personalized issue, and Hailian has no way to explain it one by one. Here, I suggest you pay attention to the following points:
1
Reasonable calculation:
To know what kind of retirement life you want to live in your later years, estimate the approximate living expenses and medical expenses, set aside some leisure and entertainment expenses, and calculate your approximate expenses.
2
Securities investment:
Financial planning is realized through investment portfolio. We must calculate what other sources of income there are after retirement. Commonly used may include national pension insurance, housing rental income, commercial pension insurance, bank interest and so on. I believe that as long as you have the awareness of financial planning, you can probably know your current preparations, which are guaranteed benefits, which are not guaranteed benefits, and the risks of each benefit.
three
Consider inflation:
At present, domestic inflation is actually maintained at around 4.5%-6%, so even if there is some cash savings, the impact of inflation should be considered. It seems enough now. Will it be enough in 20 years?
four
Life insurance:
It is still recommended to buy term life insurance, because term life insurance is the most return to the essence of insurance among all products, and it is suggested that the amount of insurance can be increased and improved at this stage.
five
Medical insurance:
Medical insurance is also an important core to be considered at this stage. In fact, the popular million-dollar hospitalization medical insurance is already very good. If it is not enough, you can buy some high-end medical insurance, which is very good in terms of content protection and product experience.
FREQUENTLY ASKED QUESTIONS
Hailian is wordy again. This is the last chance to get on the bus and buy critical illness insurance. If you miss the follow-up, it will be really difficult to buy. If the budget is really limited, you can buy long-term consumer critical illness insurance, which is also an alternative.
Old age (over 50 years old)
Although the United Nations classifies 50-year-old people as middle-aged, in the traditional culture of China, many people have regarded themselves as old people. For people over the age of 50, family responsibilities are already very small. When children get married, their parents may be gone, and their health is obviously not as good as before, and they will begin to feel overwhelmed. As we said above, we need to pay attention to pension and health risks at this time.
Purchase strategy
As we explained above, we need to consider our own pension planning and financial planning. After the age of 50, illness is our biggest enemy, but it is difficult to buy health insurance at this time. It will be much more expensive, and the insured amount can't be very high.
Accident insurance:
The general demand for accident insurance is just needed and has nothing to do with our health. You can also buy accident insurance after 80 years old, so the elderly can at least buy an accident insurance.
Cancer insurance:
Although you can't buy critical illness insurance, the elderly can still buy cancer insurance. General cancer insurance does not require a physical examination. If there are some physical problems, it is good to provide the corresponding medical report and case. Cancer insurance is a kind of loose underwriting in health insurance, and it is recommended to buy it. At present, many anti-cancer insurance on the market have no specific restrictions for the three high people. So it is still very loose.
Medical insurance:
Medical insurance is different from critical illness insurance. Critical illness insurance is actually income loss insurance. When the risk of serious illness occurs, in addition to medical expenses, rehabilitation expenses and loss of work income should also be considered. However, for the elderly, there is no need to consider the problem of income loss, and there is basically no family responsibility. Just pay attention to the cost of treatment. Medical insurance is a better choice.
It is more complicated to buy medical insurance for the elderly, and the situation is different for different elderly people. We have made many comments on product recommendation before, so I won't explain them in detail here.
FREQUENTLY ASKED QUESTIONS
It is suggested that the elderly develop the habit of regular physical examination, which can not only pay attention to their physical condition at all times, but also contain the disease in the bud.
You can pay attention to a WeChat official account: there are many dry goods on the Umbrella Commune.