Senior, let's have a good talk with you about how 55-year-old people buy insurance!
1.55 Is it necessary for people to buy insurance?
It is said that 55 years old is a hurdle in life. The 55-year-old body has entered a weak period, and many people's resistance will decline, making them more susceptible to serious diseases such as cancer, myocardial infarction and stroke.
According to the data displayed by China CDC, the incidence of diabetes in people aged 46-55 has reached 1 1.5%, which is nearly four times that before the age of 40. After menopause, compared with non-menopausal women, the probability of cardiovascular and cerebrovascular diseases increases by 2-6 times, and the risk of heart disease increases by about 40%.
Usually, 55-year-old people are not as flexible as before, and the probability of accidents such as falls and bumps will increase.
For a 55-year-old, the family's financial burden is not small. Most of their children are still at school and need to bear a large tuition fee. In addition, there are old people at home who need to be supported. If they have to pay back their houses and trucks, the financial pressure is quite great.
Once a 55-year-old suffers from a serious illness, hospitalization expenses are a big expense, and many families fall into poverty and economic difficulties because of the disease.
Assuming that 55-year-old people have insurance as a guarantee, they can transfer economic risks, so it is necessary for 55-year-old people to configure insurance.
So how do you buy insurance for a 55-year-old? The following strategy is very detailed, you can refer to it:
What kind of insurance is suitable for you at the age of 50? 》
Second, the best configuration scheme for 55-year-old people to buy insurance!
The following are the insurance schemes for people aged 55: critical illness insurance, millions of medical insurance, accident insurance and life insurance.
1, critical illness insurance
Critical illness insurance is called payment guarantee, and its main function is to protect major diseases. Assuming that the insured is found to have a disease and meets the repayment conditions, in this case, the insurance company will pay the insurance premium in one lump sum.
If a 55-year-old suffers from a serious illness, he is likely to be unable to work during his illness, his family will lose the main source of income, and he will also have to bear a lot of medical expenses. Once he gets the insurance money from the critical illness insurance in one lump sum, the compensation for income loss, the later rehabilitation expenses and the living expenses of his family will be solved.
Therefore, 55-year-old people need to choose a critical illness insurance to transfer the economic risks brought by the disease.
2. Millions of medical insurance
Millions of medical insurance and medical insurance complement each other. This kind of commercial insurance breaks the limitation of deductible and medical catalogue under medical insurance, and can reimburse reasonable medical expenses after deducting deductibles from social security reimbursement.
Moreover, the reimbursement amount of millions of medical insurance is often as high as millions, and the cost performance is super high, only a few hundred yuan a year. 55-year-old people can solve medical problems from the million medical insurance.
3. Life insurance
Life insurance is very suitable for the 55-year-old family breadwinner. If you have life insurance, if you die unexpectedly at the age of 55, you can go to the insurance company to get death insurance money, and the loan can be settled with this compensation, so as to ensure that the children can finish their education and the parents can enjoy their old age, which can alleviate the economic pressure brought about by losing the breadwinner of the family.
55-year-old people buy a life insurance for themselves, which is the embodiment of responsibility and the inheritance of love.
What kind of life insurance should I buy? Senior made a comprehensive comparison in many aspects to help you find out these high-quality life insurance, and see if there are any you like:
Top Ten Life Insurance Rankings Worth Buying! 》
4. Accident insurance
From the perspective of a person's life, accidents may happen at any time, and children will also encounter accidents. You won't survive because you are young, but you will survive because you are old. In China, the number of abnormal deaths is more than 3.2 million every year, with an average of 8,767 people dying in accidents every day and an average of 6 people dying in accidents every minute.
And start with accident insurance, which effectively reduces the economic risks caused by accidents, not to mention that accident insurance is a cheaper insurance among the four major insurance types, and it is not a problem to have one person!
Third, the super-hot insurance assessment suitable for 55 years old in the market!
There are two kinds of insurance for middle-aged people in the market, such as Versailles plus, Super Mary 6 and Darwin 6. These are quite popular adult critical illness insurance, and many 55-year-olds are eligible for insurance.
Never heard of these insurance companies? Not as famous as China Life Insurance and China Ping An?
Senior sister should tell you in advance that you don't have to choose a big company to insure. When buying critical illness insurance, you need to analyze whether the types of diseases covered by the product are complete, whether the compensation is sufficient, and whether the premium is expensive for you.
From the adult's point of view, the sales of life insurance are not inferior to the critical illness insurance. After all, it can transfer the biggest threat to life-the economic risk brought by death. Among them, whole life insurance has won many people's love because of its lifelong guarantee and wealth inheritance function, especially whole life insurance's increased amount, which can be increased year by year according to a certain proportion. Many people can plan their financial wealth while configuring such products to help them improve their security.
Fourth, middle-aged and elderly insurance must be seen clearly before buying!
There is a big trick for middle-aged and elderly people to insure, that is, they should give priority to their age, because most insurances stipulate the age range of insurance. Therefore, in the process of purchasing insurance, they should see whether their age is within the age range of the insured products. Generally speaking, the older you get, the higher the insurance rate. Therefore, the sooner they buy insurance, the more cost-effective.
Besides, you have to consider your physical condition. Many health insurance, such as critical illness insurance and medical insurance, need to give the insured a health notice before you apply for insurance, which is similar to doing a health survey to help the insurer understand your health status, so as to judge whether you can apply for products normally.
Let's talk about the economic situation again. The allocation of insurance must be based on the economic situation of individuals or families. Generally speaking, the proportion of premium expenditure for purchasing insurance products should account for 65,438+00% of the family's annual income, and the specific proportion depends on the actual economic situation of the family.
In addition, the amount of insurance can best reflect the leverage of insurance. The amount of insurance can determine the amount paid when claiming. Only when the insurance amount is sufficient can economic risks be better transferred. For example, when purchasing critical illness insurance, the insured amount should be able to cope with the medical expenses and other income losses of common critical illness, so as to ensure that the insured amount is sufficient to support subsequent expenses.
Where can I buy insurance for the 55-year-old?
So where can we buy insurance? It is not convenient to buy insurance now. There are two channels, online and offline.
If it is offline insurance, you can find an insurance company's physical business outlets or banks to insure, and it is the same to contact an insurance agent to buy insurance. For example, Ping An Insurance has set up service outlets all over the country, and the number of offline insurance agents exceeds/kloc-0.0 million, so it is easy to buy its products online.
Online insurance is more convenient than online insurance, and the insurance service points are official website, APP, insurance mall and so on. Insurance company; In addition, in the third-party insurance business city, simple examples are ant insurance in Alipay, micro-insurance in WeChat and insurance in insurance brokerage companies. These online channels can be insured by themselves as long as they move their fingers, and the follow-up can be handled directly online. Claiming that people don't need to run more.
Some friends are worried that online insurance is unreliable, so through this article, Xue Jie tells you why online insurance can reassure people, what is the difference between online insurance and offline insurance, and then teaches you how to choose the insurance method that suits you best!
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
Sixth, how do families buy insurance?
Families with superior economic conditions may not only consider buying insurance for themselves, but also want to configure insurance for other family members.
So how should families with old people and children buy insurance? You can consider such an insurance scheme:
Consider insuring your child with critical illness insurance, medical insurance and accident insurance. The greater threat to children lies in illness and accidental injury, so you should consider configuring these types of insurance;
For the elderly, critical illness insurance, medical insurance and accident insurance can all be considered. If you can't buy critical illness insurance and medical insurance due to age and physical reasons, you can also consider buying cancer insurance or cancer medical insurance.
Write it at the end
I am a scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to Xueba, the official account of WeChat, to talk about insurance consultation with me.
I will give you the most professional advice based on years of experience in configuring insurance for 10W+ families.
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