Recently, there are a lot of fans in the background private message me, different occupations to buy insurance need to pay attention to what? Today we will take the blue collar as an example to see how to buy insurance? What kind of insurance products should I buy? Blue collar when considering buying insurance products, make sure to need to pay attention to what issues? When you see the specifics of that article, you will be clear in your mind.
A, why buy insurance for blue collar
Blue-collar groups of people working in the high risk factor of the key in the work at height, large-scale equipment operations, special places of work, etc.. For example, construction workers for a long time in the site, the environment is relatively messy, in addition to a lot of large-scale equipment and construction materials, often work in the midst of the high altitude, then the risk factor is quite high, we often may brush up to the news, a for workers site work when the rebar puncture, accidentally fall, brain pounding ......
It is worth mentioning that, in addition to the above risks that give people the creeps when they hear about them, there are also the health of the body is deteriorating due to the long hours of intense work in the weekdays, in addition to the physical damage caused by small sprains and injuries that are accumulating from one day to the next, and so on. Therefore, it is very necessary to buy the right insurance for blue-collar workers.
Two, the best configuration of the blue-collar workers insurance
Blue-collar workers insurance configuration program is less difficult, these four is a must to buy, namely: critical illness insurance, millions of dollars of medical insurance, accident insurance, life insurance.
1, critical illness insurance
Critical illness insurance predicts that when the insured meets with a serious illness, within the scope of the conditions stipulated in the contract, you can get a claim. As blue-collar workers work hard, the long-term collection of small illnesses and pains, have caused a lot of damage to the body, and even by the serious illnesses, so it is very necessary for blue-collar workers to configure a critical illness insurance.
But so many heavy disease insurance on the market, it is estimated that we do not know to buy which is better, the school sister organized ten cheap and guaranteed heavy disease insurance, do not miss it!
Top Ten Popular Critical Illness Insurance Worth Buying!
2, million medical insurance
Multi-million-dollar medical insurance, refers to the insurance amount can reach millions of medical insurance.
Blue-collar workers, the reason is that the long-term working environment is relatively harsh, long-term this will cause serious damage to the body, this time is very need to configure a million medical insurance to provide protection for themselves.
So what is suitable for blue-collar workers people insured million medical insurance? Sister School has compiled a list that you can access by clicking on the link!
"The Latest Top 10 Million Dollar Medical Insurance Ranking Fresh!
3, accident insurance
Accident insurance is equivalent to is the insured person due to accidental injury caused by death, disability and other circumstances as the threshold of the payment of insurance benefits of life insurance. Blue-collar jobs have a higher likelihood of accidents due to the long hours spent in high-risk environments.
Taking out an accident insurance policy can be an effective solution to the financial problems caused by lack of income when you can't go to work normally in the event of an accident, and accident insurance generally doesn't require a lot of premiums, which doesn't bring about a great deal of financial pressure.
4, life insurance
Life insurance is around the death of the insured person to provide insurance protection, when the insured person due to an accident, illness or other reasons and died, the insurance company will be the insured person claims.
Blue-collar workers, because they are engaged in a more special positions, the risk factor is higher than in ordinary industries, and it is likely to have an accident at work, resulting in the death of the case is more, so the school sister feels that, if their budget is more adequate, must buy a life insurance. Life insurance is enough in the unfortunate event of one's death, the family will be able to receive a compensation, enough for future life, even if one's death, but also to continue to pass on their love and responsibility.
Three, the market for blue-collar insurance products evaluation
Now there are a lot of insurance products on the market with the blue-collar workers in line with the situation, are favored by many people. For example, critical illness insurance includes Huaxia Ivy Critical Illness Insurance, Crowe Life Darwin 6, Hetai Life Super Mario 6 Critical Illness Insurance, Guardian 5, and Evergrande Hengjia Insurance Premium Edition Critical Illness Insurance, and so on.
But with so many insurance products on the market, which ones are better? Many blue-collar workers are very confused when they are just about to purchase insurance, and in the face of the countless types of insurance and insurance products on the market, they do not know which products are suitable for their own configuration.
After the critical illness insurance is configured, if the blue-collar friends still have more money, you may want to consider configuring a whole life insurance product to make their protection more adequate, the biggest quality of life insurance products is undoubtedly that you can be in their own after the death of a sum of money to pay the insurance policy, the love and responsibility of their own can be continued.
There are a number of whole life insurance products in the market today that are performing very well, such as Hetai Xinxianying whole life insurance, Wonderful Life whole life insurance, Changsheng Youjiajia whole life insurance, Great Wall Profit Yingying whole life insurance (Internet-only), and Bohai Life Qianxing Wuyi whole life insurance, among others.
So are these popular products really good? In fact, to determine whether a whole life insurance product is good or not, you just need to analyze it in terms of its terms and conditions and other aspects.
Four, blue-collar insurance must see before
See here, I believe that the majority of blue-collar friends, know how to configure a suitable insurance for their own, but also know how to determine whether a product is reliable.
But there is a wide variety of insurance products on the market today, and different companies have different coverage and payment terms.
Life insurance, for example, this kind of insurance products are obviously different places, for example, according to the different length of the protection period, can be divided into the insurance term and insurance whole life, the product attributes can be divided into fixed whole life insurance and the increase of whole life insurance, as well as some of the content of the protection of the differences and so on.
So the blue-collar people in the choice of this kind of insurance for the time of insurance, is the need to combine their own needs and their own financial ability, choose the right kind of insurance products for their own insurance.
Fifth, the blue collar where to buy insurance is the most cost-effective?
On the blue collar how to go to buy an insurance aspect of the problem. I believe we have a certain understanding of it, so for blue-collar workers, where to buy insurance products is the most cost-effective?
In fact, there are ways to buy insurance, the two common channels are online and offline.
Online insurance, blue-collar workers can be insured through the official website of the insurance company or insurance mall or the insurance company's APP, or you can choose to directly in the third-party platforms such as the insurance economic platform to insure.
Offline, they can go to the brick-and-mortar stores run by insurance companies or go to an insurance agent when they buy insurance.
Six, how to buy home insurance?
As a blue-collar worker, the fact is that it is not enough to only configure a good insurance policy for yourself, but also for your family to configure the right insurance.
The parents' health is not as good as it used to be as they are getting older, so the probability of illness and accidents will increase; in addition, because of the children's mobility and lack of resistance, small bumps and illnesses are also more common.
And because the nature of the work of blue-collar workers is different from that of ordinary workers, if the workplace belongs to the mining industry, there is a possibility that they will not go home for a long time, and there is no way to stay close to their families, so it is very necessary to choose the right insurance for their parents and children to be insured.
So what kind of insurance is appropriate for each family member? Click on the link below and let your schoolmates analyze it for you in detail!
"3 Sets of Programs to Match a Family's Insurance"
Written at the end
I'm a schoolteacher talking about insurance, focusing on objective, professional, and neutral insurance assessment;
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