So for the 39-year-old population, do you need to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!
1. Why buy insurance for a 39-year-old?
Whether you choose insurance or not, it will gradually become popular. No matter how much you hate diseases and accidents, they appear every day. The story happened to others, and the accident happened to myself!
At the age of 39, it is the time when the family and career are complete. However, the inevitable age of 39 has gradually entered the stage of declining health and physical fitness. Although the decline is not so obvious compared with the elderly, the feeling of physical decline every year is still quite obvious.
Even now, I try not to stay up late and do more exercise to keep healthy. In the fourth grade, the pressure is getting bigger and bigger, and the risk of illness is getting bigger and bigger. As the head of the family, if you are unfortunately hospitalized with a serious illness, your family's income will be greatly lost and your family's economy will be greatly burdened. Therefore, while we are in good health, perhaps we should consider buying an insurance as soon as possible to set up a guarantee for our health.
It is really necessary to buy insurance for a 39-year-old, but how to buy it is appropriate? Don't worry, Sister Xue has specially prepared an insurance guide for the 39-year-old population, so hurry up and collect it!
What kind of insurance is suitable for you at the age of 39? 》
Second, the best allocation scheme of 39-year-old insurance
In fact, it is not difficult for a 39-year-old to buy insurance. The following options are quite good: critical illness insurance, millions of medical insurance, accident insurance and life insurance. If your hands are loose, you'd better take out a financial insurance to increase your income.
1, critical illness insurance
Critical illness insurance, the 39-year-old population faces a great risk of illness, and people aged 35 to 70 are prone to serious illness, so it is still necessary to start a critical illness insurance.
Critical illness insurance is a payment insurance product. Once the diagnosed disease is within the agreed scope, it is necessary to pay the insured a sum of money according to the contract, which can be used at will.
But for many people who don't know much about insurance, they want to buy critical illness insurance but are afraid to step on the pit. In order to solve everyone's concerns, Senior Sister has specially compiled a list of critical illness insurance. Click and have a look!
"Recommended to you at the age of 39, the top ten critical illness insurance stocks with good quality and low price! 》
2. Millions of medical insurance
Millions of medical insurance is a kind of medical insurance, which plays a supplementary role in medical insurance. Expenses beyond the scope of reimbursement of basic medical insurance can be reimbursed, even including drug expenses outside the medical insurance catalogue.
Usually only a few hundred dollars can buy millions of insurance coverage. However, because the guarantee period of medical insurance is usually one year, it is more appropriate to choose products that guarantee renewal at the beginning of millions of medical insurance, so that even if you are old and your health is not ideal, it will not affect the renewal.
3. Accident insurance
Accident insurance has the characteristics of strong practicability and low premium price. It is a life insurance that pays insurance money on the condition that the insured suffers death and disability due to accidental injury. Simply put, accident insurance is insurance that can provide protection in the event of an accident.
The 39-year-old man, as an important support of the family economy, is in his prime, but he has to work hard outside, and he is tired of working hard in the city every day. There are still some accident risks. Assuming that some occupations are quite dangerous, the risk of accidents will increase. Therefore, allocating an accident insurance to the 39-year-old population can reduce the losses caused by unexpected risks to a certain extent.
4. Life insurance
Life insurance requires the death of the insured to support the payment. As an important source of family economy, it is also very necessary for 39-year-old people to take out a life insurance policy, because if they die unfortunately, other relatives in the family may be in a difficult situation.
If you buy life insurance, even if you are the only descendant in the family, you can leave a sum of money as the support of your parents, and you don't have to worry about the support of your parents when you are away. This money can be used as a pension for parents, and it can also be used to subsidize families.
5. Financial insurance
When the 39-year-old people have bought a complete basic insurance for themselves, if the budget is sufficient, they can choose to buy another financial insurance, which can effectively optimize their quality of life and lay a solid foundation for the future pension life.
Moreover, the risk of financial insurance is generally low and there are relatively stable returns. Even if it is financial management, you can try it.
Third, the secret of popular 39-year-old population insurance!
At present, there are most critical illness insurance products suitable for 39-year-olds on the market, which are quite popular. For example, Huaxia Ivy Critical Illness Insurance, Beyond 1 Critical Illness Insurance, Hetai Life Super Mary No.6 Critical Illness Insurance, Changsheng Health Worry-free Multiple Critical Illness Insurance, Evergrande Hengjiabao Exclusive Critical Illness Insurance, National One-year Critical Illness Insurance, etc.
Many people think that popular products must be good, but this idea is wrong. If you want to know whether a critical illness insurance product is good or not, you must combine the following aspects to understand: the duration of protection, the scope of protection and so on.
In fact, there are many whole life insurance products made for the 39-year-old people in the market, which are quite popular. For example, we enjoy whole life insurance with Taixin, whole life insurance with a better life, whole life insurance with a better life, the generals of Great Wall Life Insurance (exclusive to the Internet) and whole life insurance with Bohai Life Insurance.
So are these popular products suitable for purchase? In fact, to tell whether a whole life insurance product is good or not, we only need to analyze its terms.
Iv. Precautions for 39-year-old people to insure.
I believe that after seeing this, my friends will understand that before starting insurance, we should make more decisions. After comparison, you will find that if the products are different, they are different in many aspects. For example, this kind of critical illness insurance is also critical illness insurance. Some products pay for the green service of critical illness insurance, while others give exemption protection.
Yes, it seems easier to buy insurance. In fact, it still contains a wide range of knowledge, which needs to be considered in combination with your own actual situation in order to buy satisfactory products.
Where is the best place for a 5.39-year-old to buy insurance?
Generally speaking, there are two channels for you to purchase insurance smoothly. Their names are online channels and offline channels.
Online channel:
It is recommended to go to official website, an insurance company, to buy from its own APP or a third-party insurance mall. Maybe you can insure this insurance by looking up the telephone number of your insurance company and calling.
Offline channel:
If the insurance company has a wired store in its own city, the offline store of the insurance company can be directly insured. With this equipment, it can communicate face-to-face with the insurance salesman and help everyone understand and choose.
So is there a difference between online and offline channels to buy insurance? Is online channel insurance reliable? Friends who have such doubts can click on the link below, and Senior Sister will give you a detailed answer!
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
VI. Family Insurance Configuration Plan
When we buy insurance for 39-year-olds, we should also consider buying suitable insurance products for parents and children.
Children can be said to be the hope of the family in the future, but because children are very young, most of them have weak resistance, so it is very necessary to buy insurance for them.
When parents get older, the chances of illness and accidents will also increase. Therefore, after buying insurance for the 39-year-old family pillar and children, it is best to configure an insurance for parents.
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.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!