General insurance companies will set the age limit for critical illness insurance at around 60 years old. However, because there are two kinds of critical illness insurance: regular and lifelong, regular critical illness insurance is mostly consumer, which is more suitable for young people and people with weak economic strength. The upper limit of insurance age for this kind of products is about 50 years old. In recent years, this restriction has been relaxed to 60-65 years old. Lifelong type generally has the nature of storage and return, which is just suitable for people with certain assets at the age of 40.
Under the new regulations, we evaluated more than a thousand critical illness insurance products, and screened out the ten best critical illness insurance products on the market. New definition of critical illness ranking announced! The first place is it!
The upper limit of critical illness insurance is about 60 years old, and it should be insured as soon as possible if the economy permits. Generally speaking, 40-45 years old is the last best insurance age.
Before buying critical illness insurance, the insured must pay attention to the actual protection interests. Many insurance companies have certain conditions for the payment of critical illness insurance products. For example, in whole life insurance, some are guaranteed to be 99 years old, while others are guaranteed to be 70 years old, so we must consider the age limit.
Matters needing attention in buying critical illness insurance at the age of 40
1, the insured amount must cover the medical expenses for serious illness, and it is recommended that it be more than 300,000, with higher family responsibilities;
2. The guarantee period is 30 years or 70 years, and life insurance is not recommended.
3. Whether to choose multiple times can depend on your physical condition, but you must strictly fulfill your health notification obligation. If necessary and financially capable, you can buy multiple payments.
4. The product can be equipped with the combination of serious illness and millions of medical care, so as to reduce the premium pressure and appropriately reduce the amount of serious illness insurance.
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