What insurance do I need to buy: Please give me a detailed plan: Thank you! I am 28 years old, and my annual salary is about 65438+ 10,000 yuan. My wife doesn't have a job, and she takes care of the c

What insurance do I need to buy: Please give me a detailed plan: Thank you! I am 28 years old, and my annual salary is about 65438+ 10,000 yuan. My wife doesn't have a job, and she takes care of the children at home. Hello, Landlord: I recommend China Life Insurance Co., Ltd. to launch the first dividend-paying financial insurance in China on 2011,which will benefit after returning to the capital, that is, China Life's Fulu Jinzun old-age security (dividend-paying).

Male: 28-year-old, paying 20,000 yuan a year, choosing 10, and receiving birthday bonus at the age of 60, with the basic insured amount of 32,600 yuan.

Survival money: before the insured reaches the age of 60, he will survive until the corresponding date when every three policy years come into effect, and pay the survival insurance money of 4,890 yuan (65,438+05% of the basic insurance amount). If the accumulated interest reaches 60 years old: 79,848 yuan.

After the insured reaches the age of 60, he/she will survive until the effective date of each policy year and pay 1956 yuan (6% of the basic insurance amount).

Birthday payment: 200,000 yuan birthday insurance premium will be paid on the corresponding day when the insured reaches the age of 60 (the premium paid does not include interest). Dividend: during the insurance period, the company determines the dividend distribution plan every year according to the actual operating situation of the previous fiscal year and distributes dividends to the insured. If the dividend of the insured reaches 324,480 yuan at the age of 60. Security Fund: The insured and this contract shall pay the death insurance premium (excluding interest) according to the insurance premium paid in this contract within one year from the effective date of this contract, and this contract shall be terminated. Before the insured reaches the age of 60, due to illness, the maximum death insurance payment is 265,200 yuan (200% of the basic insurance amount+premium paid without interest). This contract is terminated. Before the age of 60, the insured suffered accidental injury and died of accidental injury within 65,438+080 days. The maximum death insurance premium is 363,000 yuan (500% of the basic insurance amount+premium paid without interest), and this contract is terminated. After the insured reaches the age of 60, if the insured dies, the death insurance premium shall be paid according to the greater of the cash value of the contract at that time and 100% of the basic insurance amount, and the contract shall be terminated. If not: QQ 1609890795