Nowadays we have to face too many risks in our daily life, in addition to diseases and accidents, but also have to deal with the risks arising from death and so on. So in order to minimize the financial risk that these risks bring to us, it is still very necessary to buy an insurance policy.
Below, the school sister will take the example of men in their 40s, to give you those things to buy insurance.
I. Why do men in their 40s need to buy insurance
Men in their 40s are the breadwinners of most families, and their health condition is not only related to themselves, but also has a very big impact on the families behind them.
They will not only have to pay high medical bills, but also face loss of income in the event of a serious illness. The family's finances will definitely be in trouble at this point of time and the normal order of the entire family will be disrupted.
In addition, if a man in his forties dies because of a disease, then the entire family has lost an important breadwinner, and their future life is really gloomy.
Besides these scary risks, there are also the common colds and fevers that are common in normal days, which all add up to a big expense.
It is indeed necessary to buy insurance for men in their 40s, but for many white people, they want to buy and worry about being pitched. Don't worry, the practice of 8 years of school sister told you to buy insurance for men in their 40s this way, do not spend a wrong money!
"Which insurance is suitable for you to buy at the age of 40?
Two, how to buy insurance for men in their 40s?
The insurance configuration program for men in their 40s is very simple, and must be equipped with these three kinds of insurance, namely: critical illness insurance, medical insurance, life insurance, accident insurance.
1, critical illness insurance
Critical illness insurance is the insured is diagnosed with a major disease specified in the contract, will be able to obtain compensation provided by the insurance company, the loss of income after a major illness compensation and the cost of post-rehabilitation can be improved.
Critical illnesses are getting younger and younger, so people in their 40s are also at risk of developing critical illnesses. That is why it is necessary to have a critical illness insurance for men in their 40s. They are the main source of income for the whole family and are the most crucial members of the family.
2, medical insurance
Medical insurance can reimburse the insured for a certain percentage of medical expenses. With medical insurance, the insured person can receive treatment with peace of mind. Even if the medical expenses are high during the treatment, the medical insurance will normally cover the expenses.
And the premiums for medical insurance are very small, only a few hundred dollars a year, you can buy millions of dollars of coverage. With medical insurance as well as critical illness insurance, the insured is covered comprehensively enough.
3, life insurance
If a man is more responsible, he will think about his family, and he should work hard to make his family better when he is not dead. Even if he passes away, thus he should leave a large sum of money to his family.
However, life insurance can help us do just that, until after the death of the insured person, the life insurance will provide a sum of money to his family. This money helps the insured continue to take care of his or her family.
So which life insurance policies are worth taking out? This article can help~
'Top 10 Life Insurance Worth Buying' Ranking!
4. Accident Insurance
Often men over the age of 40 still need to work, so on the way to work, on business trips or in daily life, if you encountered a traffic accident this kind of accident will cause a very serious blow to the whole family. The first thing you need to do is to get a good deal of money to pay for it.
Three of the most popular critical illness insurance revealed
In the insurance market, there are a lot of critical illness insurance sold very well. For example, Tongfang Global Versailles plus, Beijing Life Hornet 6, Guolian Life Huixinan 2022 and so on.
There are a lot of people who think that a product from a big company or a popular product must be good, but that's not true. It's not easy to buy insurance, but you have to analyze the coverage and terms and conditions to see if it's a good product.
Four, what are the considerations for men in their 40s to buy insurance?
Buying insurance actually has a lot of doors, the same critical illness insurance, some products provide a payout of 180% of the basic amount of coverage, some products can only pay 100% of the basic amount of coverage. Some products can cover the whole life, some products are only regular coverage.
Each product has its own features that really make it confusing to read, and it's not easy for an insurance whiz to find the most suitable product for himself from it. So yeah, buying insurance may seem like a good operation, but it involves a lot of financial and investment knowledge that we don't know very well, and we need to consider our own needs and choose carefully. The same product may be suitable for others, but not for you.
Fifth, where do men in their 40s go to buy insurance to get the best value?
Analysis to this point, for the 40-something male how to buy insurance believe that you have a general understanding. If you plan to buy insurance for them, where should you go to buy it?
Since the whole insurance industry is developing quite fast, there are two channels for buying insurance: online and offline.
If you want to buy offline, you need to go to the insurance company's offline service outlets, and you can also look for an insurance salesman to insure the product. If you want to choose online, you can call the insurance company's hotline, and you can also find the insurance sales platform online. Or through the insurance company's official WeChat, official website, or exclusive app is also possible to buy insurance products.
To remind you that the effectiveness of both online and offline procurement of insurance is the same Oh, equally safe and reliable. What are the differences between these two channels? Where should you go if you want to choose a more cost-effective insurance? Is it reliable to buy insurance online? And how do we choose?
Six: How to buy insurance for a family?
In addition to buying insurance for men in their 40s, we should also buy an insurance policy for our children. After all, children carry the hopes of the entire family. And children are often weak and vulnerable, so it is very necessary to set up insurance products for children.
And the purchase of critical illness insurance for children does not require a very high cost, the earlier you start, the lower the price, the higher the leverage, so that in case the child is unfortunate enough to have a serious illness, you do not have to smash pots and pans, pouring money into the child's treatment. After the child recovers, there is also money to make up for the schooling delayed by the illness, and you can minimize the impact of the illness to the greatest extent possible.
Last but not least, for families with good financial conditions, the support of the elderly is also very important, so after the family breadwinner and the children have purchased the insurance, the elderly configuration of the insurance is also quite necessary.
So what kind of insurance should each family member buy? Click on the link below, the school sister to tell you the answer!
"3 Sets of Programs to Match a Family's Insurance"
Written in the end
I'm a schoolteacher talking about insurance, focusing on objective, professional, and neutral insurance assessment;
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