1. What are the specific contents of main insurance and additional insurance?

Main insurance: Hongsheng 04

Death protection: if the insured dies, he will receive death insurance money according to the insured amount, and the main insurance contract will be terminated.

Accidental disability insurance: (If the insured are all attached with Ping An's additional disability accident insurance) If they are disabled within 180 days from the date of the accident, they will receive accidental disability insurance.

Dividend: According to the relevant regulations of the insurance regulatory authorities, we will determine the annual dividend distribution based on the actual experience of dividend insurance business. Dividends are uncertain. If we confirm that there is a dividend, we will give you a dividend on the anniversary of the policy (additional insurance benefits do not participate in dividends).

Attached risk: Hongsheng is seriously ill 07

Full name: Ping An Additional Hongsheng paid critical illness insurance in advance (2007).

That is, dignity payment. When you diagnose a serious illness, you will get your serious illness treatment money in advance.

2. What diseases are included in the serious diseases in the additional insurance?

There are 28 males and 30 females. You can check your insurance contract specifically.

3. Under what circumstances do you use this kind of insurance?

Death, serious illness and expiration. You can receive dividends every year.

This kind of insurance is mainly dividend insurance, security and dividend. In fact, the biggest advantage of dividend insurance is dividend, which may not have any effect in the past few years, but after more than ten years, you will be shocked by the accumulated dividends. Peace means daily interest and compound interest every month. The interest rate of dividend insurance is higher than that of deposit banks. Why do you want to return it to the bank? Think of it as a compulsory deposit for the elderly!

For individuals, having health is one's right, but health is not everyone's patent. Data show that in the past 20 years, medical expenses have increased by 28 times, greatly exceeding the growth of family income.

Some shrewd investors calculated an account. If you deposit 50 thousand yuan in the bank, maybe a serious illness will make this deposit go up in smoke; And put a small part of this money in an insurance company to insure a medical insurance. Even if you are unfortunately seriously ill, small money can be of great use. If you live a stable life without diseases and disasters, after a few years, your children can inherit an income higher than the total payment.

What's the procedure if I use this insurance?

Procedures, it is best to inform your insurance agent first, and then call Life Insurance 955 1 1 (Property Insurance 955 12) to report the case, keep the bill and follow the relevant procedures.

5. How does this policy help my friends?

The third point above is the help of this policy to your friend. At present, people are actively seeking other channels or ways to invest and manage wealth in the case of a depressed stock market and low bank interest rates. Dividend life insurance is a good investment and financial management tool. In addition to death, disability, illness, old age and other protection, the insured also has the opportunity to share the surplus of the dividend insurance business of the insurance company. At present, China's investment channels are narrow, and insurance funds are mainly deposited in banks in the form of large-sum, medium-and long-term agreed deposits. This rate hike is larger than short-term deposits, and the profits will be more abundant, greatly improving the solvency and dividend-paying ability of insurance companies.

My advice is not to return it.

Analysis: I think your friend still needs an accident medical insurance and hospitalization. If you touch boiling water, you will control it. I caught a cold and had a fever, and the hospital outpatient department was reimbursed. what do you think?

-I'm a dividing line.

Seven indispensable insurance policies in life.

Safety and security are the biggest needs in everyone's life. People face different financial needs and risks at different stages of life, which can be arranged through insurance. The function of insurance is not only to provide living security, but also to transfer risks and plan financial needs, so it has become a financial management method. From a single aristocrat to a middle class with a house and a car, from raising children to facing the problem of pension inheritance, this is a life course that an urban white-collar worker must go through. In this process, seven insurance policies are indispensable.

No. 1: accident insurance policy

As we all know, the consequences of plane accidents are unimaginable to other means of transportation, and no matter how safe all kinds of entertainment facilities are, sometimes things will go wrong. There are more and more vehicles in the city, and traffic accidents are staged in the streets every day. Accidents are no longer small probability events, and a wrong collision in life must be paid by someone. It is unrealistic for young people who have just joined the work to buy a high life insurance. Accident insurance is the first necessary policy at this stage. Accident insurance provides the guarantee of life and safety, and its function is death and disability.

Second: critical illness insurance.

By the age of 30, we have begun to be afraid of physical examination. The living environment is getting worse and worse, and the air is getting dirty. It seems that we have less and less time to exercise. Is it inertia? Or is the burden on your shoulders getting heavier and heavier? Or both? No one can say for sure. White-collar workers began to be in sub-health state, the incidence of major diseases was getting higher and higher, and the onset age was getting lower and lower. No one can deny this problem. Critical illness insurance is the best way to transfer risks and obtain protection, and it is also the best choice for financial management. If you buy a part of your money for critical illness insurance, you can get compensation after you get out of danger, and you can get back an interest if you don't get out of danger.

Third: the old-age insurance policy

Who will support you in 30 years? This is a problem that we have to consider. When our pockets are getting richer and richer, our salaries are rising year by year, and we are getting used to a high-quality lifestyle, no one thinks that our living standards will plummet in the future. The cost of raising children is getting higher and higher now. Many city residents have only one child. What should they do when they have to bear four old people in the future?

4th place: Life insurance guarantees wealth.

We have stopped refusing to spend tomorrow's money. After working for several years, I have a modest deposit in my hand, invested an acceptable amount, borrowed money to buy a house and a car, and my living standard immediately improved. There are more and more "losers" in cities, living a heavy life with loans on their backs. Who will pay back hundreds of thousands or more of bank loans in case of their own problems? Learn to transfer risks! Calculate the loan amount and buy a life insurance with the same amount. For example, if the total loan amount is 800,000, buy an 800,000 life insurance policy. Once it changes, there are insurance companies to pay back the mortgage. This kind of insurance can provide wealth protection for individuals and families. Of course, housing insurance and auto insurance are essential at this stage.

Table 5-6: Children's Education and Accident Insurance Policies

Parents all over the world want their children to receive the best education and have a bright future. The cost of education is getting more and more expensive, and the last university cost 65,438+10,000 yuan. Needless to say, the cultivation of children's hobbies, swimming, playing the piano, and tutoring, and such a high cost is also a huge sum. It is imperative to prepare a sum of money for education from the child's birthday. Fortunately, the child was born in the prime of his parents, with high income and stable financial resources, so he can provide a good education fund for his children at this time. There are two ways to prepare education funds, one is to reserve education funds to ensure earmarking. The other is to buy a universal life insurance with flexible access and dividend return. Child accident insurance is a necessary insurance for children. Children are active and curious, and are more vulnerable to accidental injuries than adults.

Seventh: tax avoidance policy

According to the current laws of our country, any insurance income is tax-free. Children, as beneficiaries of insurance benefits, choose appropriate insurance products without paying personal income tax, and consciously use huge amounts of money to buy investment insurance. With children as insurance beneficiaries, you can leave a large legacy without paying taxes.