First, the male security must first solve the risk of major diseases and accidents, and the amount of protection should be 5 to 8 times of the individual's annual income (it may not be in place at one time, and the medical expenses in Beijing are very high. If it is less than this, I dare not say that the protection is sufficient)

Cooperate with the husband and wife's future planning, make a good combination of savings return type and consumption type, please weigh the combination ratio by yourself, and pay attention to the cash value of insurance products. Increase the flexibility of financial management.

Insure three people in China; Take national life, peace and the Pacific Ocean as examples.

I bought the main products of critical illness insurance, China Life Kangning and Pacific Gold Life. Comparatively speaking, Corning is cost-effective, and the premium of Golden Life can be increased, each with its own advantages. Compared with Corning, the price of Golden Life is 30% higher.

I don't know much about Ping An products, so I won't comment here.

Second, women add a little basic illness+dividends for the following reasons:

1, the woman is young. Moreover, the average age of women in China is about 4 years older than that of men, and the dividend benefit period is longer.

2, women are born to care for their children! (Not now, but there will be.)

Third, find a professional agent suitable for your city!

Instead of simply comparing products, it is better to choose a suitable professional life insurance agent. The value of professionalism lies in service and execution.

After all, there are specialties in the industry

Each insurance website has detailed terms of each company, so you can learn and compare them.

Or go to my blog, which collects and sorts out relevant information.