A 49-year-old man wants to buy Xinhua Life Insurance and pay it for one more year. What insurance should he take at his age?

Xinhua Life Insurance's "Auspicious Supreme" president insurance, this product is flexible and changeable, and customers can freely choose the corresponding collection time. This product won the best-selling insurance product in the 6th China Insurance Innovation Award, including financial management-dividends, accidents, education, pension, hospitalization, major diseases and other benefits and guarantees, almost covering five insurances and one gold, and the guarantees and benefits will continue to increase every year. But unfortunately, it will be discontinued soon. Customers who need it must hurry up. For example, a customer pays an annual premium of 5,366 yuan for 49 years, and the premium paid by * * * is 107320 yuan for 20 years. Calculated, it is 447. 16 yuan per month, and the insured amount is 80,000 yuan. 1, (the contract expires) means that the child can get (at least) 2 19497 yuan when he is 62 years old. The bonus is 1 12 177 yuan. Can let children go to college, get married, start a business, etc. At the age of 70, you can choose to receive 296,605 yuan, and the bonus is190,885 yuan. 2. Including the premiums actually paid due to illness or physical disability within one year. One year later, due to illness, death or total disability, 6,543,800 yuan+0.6 million yuan will be paid in the form of+accumulated bonus+final bonus. The main insurance continues to take effect and the benefits remain unchanged. 3. Including (critical illness insurance) If one of the 32 major diseases occurs within one year after buying insurance, it will pay 9000 yuan in advance. One year later, if one of the 32 major diseases occurs, 80,000 yuan will be paid first. 4. As long as you buy Xinhua's products, as long as the insured dies unexpectedly and is physically disabled, you don't have to pay the unexpired insurance premium (premium exemption). The benefits of the contract will remain unchanged. Take as much as you should. 5, including (hospitalization), as long as 80% of hospitalization expenses are reimbursed, 80% of hospitalization expenses are reimbursed+nutrition expenses. "Lucky Life" is also a good life-long dividend insurance. This is a product that takes into account serious illness, old-age care and accident protection. 49-year-old male, choose to pay for 20 years, and pay the premium of 6230 yuan every year. The basic insurance amount is 654.38+million, and dividends are paid every year according to the insurance amount, and the guarantee is increasing year by year. You can change your pension at the age of 60. Premium exemption (the insured may be exempted from paying renewal premium if he dies accidentally or is totally disabled between 18-60 years old).