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What are the advantages and disadvantages of buying an insurance for children?
The life of modern urbanites is always busy and hard. Paying for marriage and buying a house, preparing children's education fund for raising children, paying for one's own health, paying for parents' pension, paying for accidents that may happen at any time, and paying for one's comfortable old age ... all these are like mountains coming at people. In the case of limited income, how to make better use of the money in hand? Life insurance has entered the sight of more people.

We want to have life insurance, health care and old-age insurance, and even realize the return on investment. With so many demands, it is difficult to realize without a certain amount of spare money. So many people are looking forward to the emergence of multifunctional life insurance products, and the payment can be controlled at about 10% of the annual income. Of course, the guarantee should be sufficient.

Companies that are sensitive to market demand can always perform unexpectedly. China Life Zhongguancun Company will soon launch "China Life Credit Suisse Old-age Security (Dividend Type)", which is an insurance product that can better meet consumers' personal security, health care, investment and financial management needs. According to reports, it has the following characteristics:

A complete health protection plan

Modern people say that happiness seems to have a deeper and deeper understanding now. People's happiness is actually composed of many aspects, such as knowledge, love, career, money and so on. You can write a lot after this string of zeros, but there must be a 1 before this string of zeros is meaningful. What is this 1? Everyone must know that this is health. This kind of health, besides physical health, should also add lifestyle health and financial health.

It will take three to five years to get rid of poverty, and a disease will return to before liberation. Don't let a serious illness devour your pension. This reminder is by no means sensational. In real life, we have seen this tragic picture of having to go bankrupt in order to save the lives of people we love. At this time, an insurance premium for a major illness is undoubtedly a real gift in the snow, which relieves the family's difficulties and worries.

In family financial planning, critical illness insurance has always been the most basic and supportive part of our family financial pyramid. In any case, prepare a critical illness insurance for the most important economic pillar in the family. In order to meet the market demand, China Life Credit Suisse added the function of paying in advance for major diseases to the insurance policy. For cancer, acute myocardial infarction, uremia and other common major diseases, insurance benefits can be paid in advance to save lives and reduce the economic burden on families. This humanized insurance design of insurance company not only takes care of people's insurance needs, but also does not need to buy critical illness insurance separately, which truly realizes the design concept of "one order with many needs".

Personal financial safe

Family financial management is nothing more than stocks, funds, bonds, insurance, foreign exchange, gold, collections and so on. How to choose a suitable financial management method, Credit Suisse dividend insurance can undoubtedly become a personal financial safe for families.

The essence of insurance products is the protection of life and body. This is the core content when choosing insurance products. The coverage of China Life Insurance and Credit Suisse Bank Insurance is three times that of it. For example, if a customer chooses Credit Suisse products with a coverage of 654.38+10,000 yuan, his family will receive 300,000 yuan (if he dies of illness within one year, the premium will be refunded) and give his family some economic compensation. According to industry insiders, among the life insurance products currently on the market, the death protection design of Credit Suisse products is undoubtedly very high.

In addition, in the design of this product, the capital needs of different stages of life are better considered, and the survival fund is specially returned once every three years, and the return rate is as high as 8% of the insured amount. Similarly, taking the above-mentioned customers as an example, China Life Credit Suisse, which has purchased an insurance amount of 654.38+10,000 yuan, will get a refund of 8,000 yuan every three years, which can be used to offset the premium, solve some urgent needs in life and make customers feel tangible returns. And this kind of return continues until the customer is 80 years old.

Simple life, health and safety may be the life concept that people living in the present should pursue more. If we have this kind of happiness, we will go to the 80th year of life with our families. The sunset is beautiful, and we are used to the spring breeze and the autumn moon. At this time, the customer can also get a considerable payment due from the insurance company-that is, three times the insured amount. For example, the above-mentioned customers, with an insurance coverage of 65,438+10,000, can receive 300,000 insurance money to support the elderly, improve their living conditions or leave it to their children and grandchildren. In short, he was economically free and had more dignity and security in his later years.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.