1. Life insurance: Life insurance for extreme risks mostly provides death/total disability protection for the insured, and the insured can directly pay a certain amount of security money when making claims. Suitable for people who shoulder the heavy responsibility of family economy is the continuation of love and responsibility.
2. Health insurance: medical care is guaranteed.
Health insurance includes critical illness insurance and medical insurance, both of which can provide medical protection for the insured. Critical illness insurance has a strong guarantee for sex, usually for serious illness. The auto insurance company will pay for the insured's major disease diagnosis agreed in the commercial insurance agreement or the disease agreed in the agreement. Medical insurance is a kind of expense reimbursement insurance, and the medical expenses promised in the policy can be reimbursed in proportion. The combination of critical illness insurance and medical insurance can effectively avoid the financial risks brought by diseases. People of all ages usually need equipment.
3. Accident insurance: accident protection.
If the insured dies/is totally disabled due to an accident, the auto insurance company will pay the accident security fund. Accident insurance generally includes unexpected medical treatment, which can reimburse medical expenses caused by accidents. For traffic accidents, aviation accidents, sudden death, COVID-19, vaccination accidents and so on, different types of accident insurance products are designed differently. Accident insurance has a high leverage, and tens of insurance premiums can pry up hundreds of thousands of insurance coverage.
4. Annuity insurance: regular savings and financial management funds.
If annuity insurance has the function of regular savings, it can realize financial management funds. At a specified age, you can receive a certain amount of dividend insurance every year or month. It can be used as children's education fund, marriage fund and old-age insurance for the elderly.
5. Increase life span: ensure that investment and financial management are carried out at the same time, and the income will increase steadily. Whole life insurance can not only provide death/disability protection, but also achieve sustained profit growth. Some products can also provide long-term care for everyone, taking into account the two-way role of security and financial management. Not limited by external economic development conditions, the reserved profits are written in black and white on the policy. In the second half of the insurance policy, the insured can get many times more profits than the insurance premium.
It can resist inflation to a certain extent. It is unfriendly to the elderly, high-risk occupations and people who are at fault. Because our risk is too high, there will be cases of refusing compensation in the past. The birth of online insurance has given these groups a good opportunity to insure again. For example, cancer insurance that the elderly can insure, accident insurance that high-risk occupations can insure, major illness insurance, and medical insurance that people who are at fault can insure. In fact, it should benefit from the "competition" of online insurance. In order to seize the market and continue to liberalize the insurance restrictions, Internet technology auto insurance companies have insurance opportunities for this group of people.