Enjoy life as the main insurance, and you can add up to 8 additional risks, such as additional serious illness, general medical care and accidental medical care.
There are two exclusive accounts, one is an investment account and the other is a universal gold account. The money you pay enters the investment account to generate money for you, and the gold account manages the money for you, with compound interest every month.
You can get the money 10 days after the contract comes into effect. You can get it through a gold account, or you can't get it. If you don't get it, you can compound interest on a monthly basis, which is very flexible, that is, you can get it year after year.
As for the amount of return, if you pay more, you will definitely get more. This concept needs to be decided according to how much you actually bought.
Analysis: The principle of buying insurance is to give priority to social security, supplemented by appropriate commercial insurance.
The insurance cost is generally about 65,438+00-20% of the annual income, and it is better not to exceed 20%, that is, 65,438+000% of the assets are preserved with 65,438+000% of the funds.
For each of us, we should reconsider medical and health insurance. Directly speaking, with the growth of age, people's physical resistance is inversely proportional and their ability to resist related risks is relatively weak.
To tell the truth, we have been making money and spending money all our lives, so why is everyone working so hard? Future pension, medical care, children education, etc. However, you must have a healthy body. Smart people know this truth. Only by ensuring the capital to make money can you earn more money. Therefore, it is very important to buy adequate medical insurance. If health is not guaranteed, no amount of old-age insurance is realistic.
I suggest you buy social security provided by the state (preferably by a company), such as cooperative medical insurance for rural hukou or medical insurance for urban residents for urban hukou, and then consider commercial insurance as a supplement.
Here, I know that there are three universally recognized words in this industry, which are "brand in life", "safety talent" and "Xinhua product"
Finally, we should pay attention to the principles of insurance:
(1) Buy medical health first and then insurance. Health can ensure that customers have everything.
(2) Buying insurance pays less attention to words than contracts. Life insurance is generally a medium-and long-term contract. If you buy it, it will become a lifelong happiness, otherwise it will have a great impact.
(3) Insurance products need to have the function of maintaining and increasing value. With the improvement of living standards, inflation must be curbed.
(4) to buy insurance, we must first protect the head of the family. If the main wealth creator in the family is not guaranteed, what is the premium? Living expenses? Family expenses are not guaranteed.
(5) It is meaningless to buy insurance before children. If adults are not protected, it is meaningless for children to have more insurance. After all, adults are paying for children.