There are four main types of insurance: critical illness insurance, accident insurance, millions of medical insurance and life insurance, commonly known as "four donkey kong".
Then financial management will be on fire.
With the increase of whole life insurance and annuity insurance,
Now it's "Six donkey kong"
Dad will analyze which 50-year-old people are suitable to buy according to these major types of insurance.
(1) ten thousand yuan medical insurance
The obvious feature of million medical insurance is that the premium is relatively cheap.
The average adult's annual premium is only a few hundred dollars.
Get a million-insured medical insurance, and the price is good.
Millions of medical insurance can reimburse medical expenses arising from treatment.
Provide medical insurance for serious illness and make great efforts in reimbursement.
However, people in their fifties are under great pressure at work.
Irregular life, too much entertainment and other reasons lead to physical problems.
However, millions of medical insurance has higher requirements for the health of the insured.
Health information is strict, so you need to pay attention when you apply for insurance.
If you are in good health, dad suggests giving priority to buying millions of medical insurance.
At the age of 50, immunity will decline, and cancer may take advantage of it.
The probability of cancer in this age group is rising, so it is necessary to prevent cancer.
Anti-cancer medical insurance is an insurance that provides cancer protection.
Moreover, the health information of cancer prevention and medical insurance is loose,
Many diseases cannot be informed by the health of critical illness insurance and millions of medical insurance.
Choosing anti-cancer medical insurance may be successful.
In addition, the premium of anti-cancer medical insurance is relatively cheap.
Because the content of anti-cancer medical insurance is relatively simple, it provides protection for cancer.
So people in their 50 s,
If there are some minor physical problems, the health of millions of medical insurance cannot be told.
You can also consider anti-cancer medical insurance.
Talking about millions of health care,
If you want to know about the current hot products,
You can click here for consultation.
(2) Accident insurance
Tomorrow will still be an accident. We don't know who will come first, and no one can predict the accident.
Dad watched too much news about the accident.
For example, a takeaway was killed by a jumper, and a good man was gone. Who could have predicted such an accident?
Since we can't predict when the accident will happen,
Accident insurance can avoid unexpected risks,
Accident insurance is cheaper,
Health information is loose,
So people in their fifties are suitable to buy accident insurance.
At present, it is not known which products of accident insurance are more popular. You can click here for consultation.
(3) critical illness insurance
Critical illness insurance mainly provides major illness protection.
Many people confuse critical illness insurance with millions of medical insurance, and there is still a difference between them.
Critical illness insurance stipulates that as long as the insured is diagnosed with the disease stipulated in the insurance contract during the protection period, the insurance company will pay an insurance premium, which we can freely control.
Millions of dollars of medical insurance is the expense reimbursement for treating diseases.
People in their fifties buy critical illness insurance,
You will encounter problems that are difficult to say through health.
Like millions of medical insurance,
Critical illness insurance has strict requirements on the health status of the insured.
Critical illness insurance is limited to some sick people.
After all, when people reach the age of 50, there may be some physical problems that cannot be informed by health.
In addition, critical illness insurance generally has a limit on the insured amount of the elderly.
Some critical illness insurance can only choose a maximum coverage of 250,000 at the age of 50.
And the longest payment period is limited to 15 years, so the payment pressure is great.
Finally, another reason is that it may be more expensive for people in their fifties to buy critical illness insurance.
Because I am old, my body is prone to problems, and there is a great possibility of accidents.
Even if you can buy critical illness insurance,
Insurance companies may also underwrite in the form of increased fees, and the premium is more expensive.
So people in their fifties are insured against serious illness.
There will be more problems,
Of course, it still depends on the specific situation to decide whether to insure.
(4) Life insurance
Life insurance is a kind of insurance to protect death or total disability.
If the insured dies or is totally disabled during the guarantee period,
You can get a sum of money from the insurance company if you meet the conditions.
Life insurance is more suitable for family breadwinners.
The responsibility of the family breadwinner is heavier.
Is the main source of family income,
If you die or are completely disabled in an accident, your family will lose income.
Family life will also be seriously affected.
Life insurance can pay a sum of insurance money after family misfortune.
Only in this way can we maintain family life.
For people in their fifties, family responsibilities are still relatively heavy, so they can consider configuring a life insurance policy to avoid extreme risks. After the completion of the above basic guarantees, if there is still a budget, you can consider buying financial insurance to make a good plan for retirement.