I recommend Ping An's fist products to you according to your opinions and your needs. It is a universal comprehensive insurance plan-the universal insurance of Zhisheng Life Insurance. Its advantage is that you can buy comprehensive and high-level protection with lower premium, and you will still get money in your life.

(1) risk reserve account

1. This plan has four high guarantees: 300,000 for life, 200,000 for serious illness, 200,000 for accidents, and 1 10,000 for accidental medical treatment.

2. With the above-mentioned high security, you only need to invest 6,000 yuan a year, which is equivalent to putting it in 500 yuan every month. After the initial premium of 6,000 yuan starts to enter, the beneficiary will receive 300,000 insurance money in case of unexpected risks; (90 days later) In case of serious illness, the insurance company will immediately pay 200,000 yuan for serious illness insurance. This can avoid the financial burden of family members caused by illness or unexpected risks.

3. In addition, if medical expenses occur due to accidental injuries, the insurance company will reimburse you for the expenses of 100 yuan-10000 yuan.

Protection you have:

1, life insurance 300,000 yuan.

2. 200,000 major diseases.

3. The insured amount of accidental medical insurance is 6,543,800 yuan.

4, accidental disability protection 200 thousand yuan

5. The special insurance coverage for traffic accident death is 500,000.

(2) Life reserve account

1. Part of the 6,000 yuan premium you paid is used as risk reserve for the company (initial cost+guarantee cost) to ensure that you have the above guarantee stipulated in the contract; The other part goes into your policy value as your personal life reserve.

2. The insurance company will pay interest on a monthly basis according to the income (the insured amount 1.75%, which is 2.5 times as high as the conservative investment). The longer the time, the higher the income, and gradually accumulated a huge asset. Living reserves can be collected. If we need a sum of money urgently in the future, this reserve can play a role. However, I want to remind you that as a living reserve, I suggest you not to take it easily.

Your savings:

1.60-year-old pension is 300,000 yuan according to the middle income policy.

2. According to the middle income policy, the 70-year-old pension is 450,000.

The 3.75-year-old pension is 530,000 according to the middle income policy.

According to the middle income policy, the 85-year-old pension is 800,000.

5. According to the middle income policy, the legacy of aging for a hundred years is 1.38 million. (The above collections are not repeated, and the later the collection, the higher the income.)

(3) Additional rights

With this plan, you will enjoy the following three rights (uniqueness), which are not available in traditional insurance:

1, independent payment: this plan suggests that you pay for 10 years, and it is up to you whether to pay after that (provided that the insurance fee can be deducted from the policy value). Of course, the longer you pay, the higher the value of the policy in your life reserve account.

2. Get autonomy: You can get the policy value in your life reserve account at any time. It can play a role when you need money badly. Of course, the longer you leave your money, the more you earn. When you get old, you can accumulate a considerable pension.

2. Guarantee autonomy: The guarantee amount in this plan is adjustable. In the future, if you feel that the current amount of protection is not enough, you can increase the amount, and the premium paid in the future does not need to be increased. The adjustable amount is related to your age at the time of insurance. The earlier you insure, the higher the amount you can adjust in the future.

Generally speaking, this plan provides you with four guarantees: first, death protection, second, worry-free protection for serious illness, third, accidental medical protection, and fourth, accidental disability and medical reimbursement.

In fact, when the economic environment is good, all kinds of investments make money! Men, women and children went into battle together, and their wealth increased greatly. At that time, insurance protection was not imminent, because I could use my increased wealth to resist (solve) everyone's problems of birth, illness and death. Are you right? But things are different now. If there is no guarantee, once we need money urgently, we will have to sell some assets that may bring benefits or double in the future, which is actually worse.