32-year-old people, as the main pillar of the family, usually have to bear the living expenses of the whole family besides paying the car loan and mortgage, and the pressure at work can not be underestimated. Any risk may lead to family crisis, so it is urgent for people of this age to buy insurance to transfer risks.
Anyway, how should people of this age configure insurance for themselves? It is best to configure these types: critical illness insurance+medical insurance+accident insurance+term life insurance.
1. critical illness insurance
In today's society, suffering from a serious illness is no longer synonymous with the elderly. There are not a few people who are seriously ill at the age of 32. Once suffering from a serious illness, the backbone of a family will collapse. The general treatment of serious illness takes a long time, plus the later rehabilitation costs and the loss of work due to illness. Can you handle it? So, quickly configure yourself with a critical illness insurance. If you are worried about buying critical illness insurance, you can refer to this critical illness insurance product that I have compiled: the inventory of critical illness insurance that the top ten insurance companies are "worth buying"!
2. Medical insurance
It is not enough for people of this age to buy critical illness insurance, and minor illnesses and disasters that may occur at any time in life also need attention. Buy a million medical insurance, the annual premium is only a few hundred yuan, but you can get a million guarantees and solve the part that medical insurance can't reimburse. In order to avoid detours, I stayed up late to compile a list of millions of super cost-effective medical insurance. Click on the article on the right to learn more: What are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020
3. Accident insurance
You never know which will come first, the accident or tomorrow. Although this is a bad saying, it is true. Accident insurance is a kind of insurance suitable for men, women and children, what's more, the price is very cheap. After all, if someone at this age accidentally has an accident, who will bear the responsibility of supporting the family? Therefore, it is necessary to configure accident insurance.
4. Term life insurance
At this age, while supporting the elderly and raising children, you also need to pay back the car loan and mortgage. After buying health insurance, you need a death insurance. Once unfortunately passed away, it is a heavy blow to parents, wives and children. Life insurance can take care of your family in part, at least leave financial compensation and provide a guarantee for your family's life.