If you are interested in Sino-Dutch life insurance, you can read this article by Senior Sister: Is Sino-Dutch life insurance reliable? With all due respect, whoever buys these products will suffer!
Then, in the following time, Senior Sister will give you a brief introduction to the precautions for purchasing term life insurance.
1, determine the appropriate amount of insurance.
The biggest function of term life insurance is to transfer the economic risk brought by the death of the insured to the family, and leave a sum of money to the family to resolve the crisis after the insured falls down unfortunately, and the insured amount plays a key role in transferring the risk. If the budget allows, according to your actual income, combined with family economic expenditure, children's education expenditure and elderly support expenditure, decide what price products to insure and determine the appropriate amount of insurance.
If you are not sure how much to buy term life insurance, Xue Xuejie will give you some advice here: How much insurance to buy? Tell me the doorway inside.
2. Exemption clause
The exemption clause is equivalent to the situation that the insurance company does not undertake to pay the insurance premium. The fewer exemption clauses of term life insurance products purchased, the better. Be sure to understand the exemption clause of the product before insurance.
3. Health notice
Health notification is one of the important steps in purchasing term life insurance. Compared with critical illness insurance and medical insurance, the health notification of term life insurance is much looser, but it cannot be ignored.
Sister Xue has compiled some tips for health notification to help you buy the right term life insurance products faster: What tips are there for health notification when you apply for insurance?
Hope to adopt
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