If the 48-year-old dies unfortunately due to accident, illness or other circumstances, the insurance company will compensate the beneficiary with a sum of money, which can be used not only to pay the daily expenses of the family, but also to repay the mortgage and car loan to ensure the normal life of the family.
So is it necessary for a 48-year-old to buy whole life insurance? What should I pay attention to when buying? Senior, let me tell you!
1.48 Is it necessary to buy whole life insurance?
Assuming that the 48-year-old population is an important source of income for families, it is suggested that whole life insurance should be established on the premise of a large budget.
If a 48-year-old person dies unfortunately due to an accident or illness, if the family does not have insurance compensation, the lives of other family members may be in trouble in an instant, such as the daily expenses and children's education expenses mentioned above.
However, since whole life insurance, even if a 48-year-old person dies unfortunately, his family can get a sum of compensation, which can at least make the family life go on normally and will not be greatly affected.
And now many whole life insurance not only have security function, but also can save or inherit wealth.
If so, 48-year-old people can really take out insurance in whole life insurance, which is an excellent choice for both security and financial management.
Second, whole life insurance, a 48-year-old, is not a waste of money.
Because whole life insurance has set up a lifetime guarantee, this insurance product will definitely provide compensation. However, this has also led to the high premium of many products, and the premium of a considerable number of products has soared to tens of thousands.
However, under the influence of the continuous development of the insurance market, many functions of whole life insurance are security and financial management. For example, compared with the ordinary quota whole life insurance, the increased whole life insurance can be used to replace the old-age insurance.
There are so many whole life insurance products on the market, which products have high yield? What products are worth buying?
Sister Xue compared the popular whole life insurance products on the market at present, and summarized five products that are most worth buying. Don't miss:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Third, the hot market of product evaluation in whole life insurance
At present, there are many whole life insurance products suitable for 48-year-old people to insure, such as Fule Life of Hongkang Life Insurance, Baode Emerging Fortune of Fosun, Ding Feng Winner of Dingcheng Life Insurance, Lexiangjia of Taikang, etc., all of which have high cost performance.
But for people who have just been exposed to insurance for a long time, they will first consider the products of big insurance companies, and think that the bigger the insurance company, the more worth buying. Actually, it's not.
Want to know what a life insurance is like, mainly from the protection content, payment ratio, claim threshold and so on.
Four, 48-year-old people must see clearly before buying insurance.
After reading the above, I believe everyone should know how 48-year-old people choose insurance.
However, the product update speed in the insurance market is particularly fast, and major insurance companies often set aside a month or two to update a new product. Basically, at the end of each year, major companies will launch a good start, and dozens or even hundreds of products will be sold.
Moreover, for different types of insurance products, there are certain differences in the coverage content, compensation ratio and terms, which easily makes people confused and do not understand how to order reliable products.
For Xiao Bai, it may cost a lot of money if you don't pay attention. In order to let everyone avoid the pit, senior has specially arranged a super comprehensive insurance strategy:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
Where do people aged five or forty-eight buy insurance?
48-year-olds can buy insurance through online and offline channels.
1, offline channel
The more common offline channels are: physical stores (offline outlets), insurance agents, bank insurance, etc. Offline insurance channel is the most frequent contact in our daily life, which can be understood as "face-to-face communication" sales.
2. Online channels
Insurance companies have their own official website, APP, telephone insurance and third-party insurance malls, such as Ant Insurance in Alipay and Micro Insurance in WeChat.
The online products sold by insurance companies' insurance malls are all their own, and there are few products to choose from, while the third-party insurance platforms and insurance brokers all cooperate with insurance companies, and there are more types of products to choose from.
6. How to buy family insurance?
In addition to the 48-year-old family undertaker buying insurance, children and the elderly also need to choose corresponding insurance.
Children are the future of the family, but their physical resistance is often weak and they are particularly vulnerable to diseases and accidents. If they suffer from diseases or accidents, their studies will be easily affected. But with insurance compensation, parents can provide better educational resources for their children.
Third, it is the elderly. Even if the family responsibilities of the elderly have been lifted, the risks of diseases and accidents of the elderly are getting higher and higher, so it is necessary to insure the elderly.
What kind of insurance should each family member buy? Click on the link below, and Senior Sister will tell you the answer:
"3 plans, complete family insurance"
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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