After all, there are two kinds of insurance, one is to protect death and the other is to protect serious illness. For each of us, this is a big event.
However, many of my friends are new to insurance, many of them don't know much about critical illness insurance and term life insurance, and even many people don't know how to use these two types of insurance.
Senior sister tells you about term life insurance and critical illness insurance. Don't miss it!
1. What are term life insurance and critical illness insurance?
1. What is term life insurance?
Term life insurance means that if the insured unfortunately causes death or physical disability within the time stipulated in the insurance contract, the insurance company promises to pay the insured a certain amount of insurance money and act according to the contract.
The insured can choose the guarantee period of term life insurance according to his own ideas, usually covering 20/30 to 60/70 years.
At present, term life insurance can provide more comprehensive protection functions, and the price is not particularly expensive, which also reflects its large leverage ratio and is suitable for most people to choose. It is suggested to insure the family economic pillar to transfer the economic risk caused by the sudden death of the family economic pillar.
2. What is critical illness insurance?
The essence of critical illness insurance is income loss insurance. Only the major diseases in the insurance clauses can enjoy the corresponding protection. The diseases of the insured are all within the scope of claims, and the insured can get a sum of money from the insurance company.
After the creditor's rights are in our hands, we can use them freely to repay the loan, raise children, as living expenses and even travel when we are in good health.
The insured is unable to work due to illness and needs treatment and rehabilitation. During this period, the economic losses caused by critical illness insurance can be compensated, which is conducive to the continuation of normal life and reduces the economic pressure of the insured.
Friends who are not very clear about term life insurance and critical illness insurance, listen to the opinions of insurance experts:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
Second, what should I pay attention to when buying term life insurance and critical illness insurance?
Buying term life insurance and critical illness insurance mainly needs to pay attention to two points: one is the guarantee period, and the other is the choice of insurance amount.
1. The guarantee period should be appropriate.
& gt& gt recommends buying term life insurance until you are 60 years old.
Term life insurance, with a short guarantee period, cannot cover risks at all stages; However, if the protection period is longer, the premium burden will also increase. So when choosing the guarantee period, we must pay attention to it. This kind of cost performance is the highest.
For more than 90% of ordinary families, senior sister thinks that term life insurance before the age of 60 is the best choice.
According to the current regulations, women retire at the age of 55 and men retire at the age of 66. At this age, her children have grown up, with less and less responsibilities and no family burden. The most important task at this time is to live a good life.
& gt& gt recommends critical illness insurance to protect life.
With the growth of age, the premium of critical illness insurance is becoming more and more expensive, and it may be refused because of physical condition.
If the insured critical illness insurance lasts until the age of 60, it is difficult for us to insure the appropriate critical illness insurance at this time due to the influence of age and health. Then we need to risk streaking, and the thought of it is terrible.
Therefore, if you want to buy critical illness insurance, it will be the best choice to protect lifelong critical illness insurance while you are young and healthy, so that the protection will not fail, avoiding many subsequent troubles and feeling full of security.
If you are still hesitating whether to save your life or your term of office, I suggest you read this article:
Should critical illness insurance be guaranteed for a fixed period or for life? 》
2. The insurance coverage should be sufficient.
& gt& gt The critical illness insurance coverage is recommended to be 300,000-500,000.
Like major diseases, they are generally covered by critical illness insurance. After suffering from a serious illness, in addition to the extremely high medical expenses and nursing expenses, there are a lot of other expenses, such as some expenses in daily life, nutrition expenses and rehabilitation treatment expenses. And at this time, the patient can't work and can't get income. Therefore, the coverage of critical illness insurance should be sufficient.
If the insurance is mainly used for disease treatment, the insured amount is at least 300,000, and the insured amount can be superimposed according to 5 times of the annual income, which can be used as a support for subsequent expenses. It is better to be above 300,000. If it is 500,000, it will be more perfect. For those who want to have more needs, such as going abroad for medical treatment, you can add more.
& gt& gt term life insurance coverage is recommended to be 200,000-15 times of income.
Life insurance is a matter of life and death. If the breadwinner of the family dies unfortunately, other members of the family will lose their livelihood security, which is completely irreparable. Therefore, the specific planning insurance amount should be customized in practice.
Life insurance should cover household liabilities, such as mortgage loans and car loans. If the family has no debt, then the expenditure can be planned according to the family's living expenses, not less than 200,000, and it is best not to reach 15 times the annual income at most.
If you are not sure how to choose the right friend, you can read this article:
How much insurance is appropriate? Talk about the doorway inside.
Write it at the end
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