Personal advice, consider insurance from the following aspects.
1. Serious illness insurance, although there is social security, after all, social security is only the most basic guarantee, and there are still many restrictions. Moreover, social security belongs to the nature of reimbursement after seeing a doctor, which can not solve the problem of tight funds at the beginning. Therefore, critical illness insurance must be considered. This is the most basic guarantee, just in case. Just like a goalkeeper in a football match, you can live without it for a long time, but you can't live without it.
2. Accidental injury protection, as the saying goes, risks are everywhere. Any accident that happens to others is just a story. If it happened to me, it was an accident.
In the end, both the living and the dead will be uneasy. So this must also be considered.
3. Supplement to personal pension. The slogan of social security is "wide coverage, low level". After getting old in the future, the pension received by social security can only meet the basic needs of life. Therefore, if you want to live a happier life in the future, you should still consider your future pension supplement while you are young. However, the investment in insurance should be based on stability, and try to choose the types of insurance with guaranteed capital and guaranteed income. Everything is written in the insurance clause, which is a legally binding contract. Investment is just what you have to do with the money left after ensuring the basic living standard.
4. It is family finance. As the saying goes, if you don't manage money, money will ignore you. Nobody wants to live an ordinary life. Of course, no one wants their children to lose at the starting line. Therefore, family financial management is also an aspect that needs to be considered when family conditions permit.
As one of the three "national prefix" life insurance companies, Pacific Life has stable operation, excellent performance, and its strength and reputation are worthy of your trust. Moreover, many guarantees of our company are also in the leading position in the industry, with comprehensive guarantees, excellent terms, low rates, convenient claims settlement and high return on investment.
Our company's latest honor: it won the honorary title of "Top Ten Comprehensive Strength of Beijing Insurance Industry in 2008", ranking first!