Two, life insurance, you need to pay attention to the following aspects:
1. When choosing a life insurance company, the first thing to look at is its solvency, which can be reflected in the balance sheet. If the assets or liabilities are positive and the amount is large, it shows that the company has strong solvency; Secondly, it depends on the service quality of insurance companies to customers.
2. When choosing life insurance products, when comparing price factors, "the two are better"; Then, compare the conditions such as coverage and exclusion liability of long-term life insurance products, and pay special attention to the differences in conditions such as "observation period" and "days without compensation".
3. Choose the life insurance company and product that suits you best. The most important thing is to choose according to your current security needs and economic situation.
Third, the details are as follows
1, wage earners had better choose medical insurance and insurance insurance first, so that they can get economic compensation in time when they are sick or accidentally disabled. Pay attention to the combination of insurance when purchasing, and strive to ensure comprehensive protection.
2. If you are a high-income group, you can choose high security, and the coverage of high security insurance and medical insurance must be sufficient. If children's education and old-age insurance can be taken into account, the protection will be more comprehensive. Of course, you can also achieve the purpose of providing for the aged through the investment function of dividend insurance.
3. If you are a civil servant with comprehensive protection in all aspects, it will be a good choice to buy some insurance (insurance financing) with savings and investment dividends.
4. If you have just set foot on the society and your income is low and unstable, buy some short-term accident insurance with low payment, and then gradually buy other types of insurance after you have a certain economic foundation.
Extended data
Life insurance is a kind of life insurance, referred to as life insurance. Personal insurance: Personal insurance takes the life of the insured as the subject matter of insurance and the survival or death of the insured as the payment condition. Like all insurance businesses, the insured transfers the risk to the insurer, accepts the insurer's terms and pays the insurance premium. Different from other insurances, life insurance transfers the risk of the insured's survival or death.
term insurance
Term life insurance is based on the premise that the insured dies within the period stipulated in the policy, and the deceased beneficiary has the right to receive insurance money. If the insured does not die during the insurance period, the insurer does not need to pay the insurance premium or return the insurance premium, which is referred to as "term life insurance" for short. This kind of insurance mostly provides protection for the insured to engage in more dangerous work in a short time.
Lifelong life
Whole life insurance is an indefinite death insurance, referred to as "whole life insurance". The insurance liability lasts from the effective date of the insurance contract to the death of the insured. Because people's death is inevitable, the premium of life insurance will eventually be paid to the beneficiary. Because the insurance period of life insurance is longer, its rate is higher than that of term insurance, and it has the function of saving.
Survival insurance
Survival insurance means that the insured must survive until the insurance period stipulated in the policy expires before he can receive the insurance money. If the insured dies during the insurance period, he can't claim to recover the insurance money, nor can he recover the paid insurance premium.
Refer to Baidu Encyclopedia Life Insurance