If you want to buy insurance at present, but the budget is not enough, you can also choose to insure some products with short protection period. Take critical illness insurance as an example. The rate of critical illness insurance is related to the guarantee period. Under the same coverage, one-year critical illness insurance is much cheaper than long-term critical illness insurance. Therefore, if you are a friend who is short of money, you can also choose to buy a one-year critical illness insurance first, and then buy lifelong critical illness insurance when the subsequent economic conditions improve.
However, whether you buy one-year critical illness insurance or long-term critical illness insurance, I suggest you read this critical illness insurance policy before you apply: a good critical illness insurance is like this! You have been cheated for so many years. ...
In addition, if it is a long-term insurance product, friends with insufficient budget can also choose a longer payment period under the condition of providing multiple payment periods.
The payment period is also an important factor affecting the premium. Other things being equal, the longer the payment period, the less premium you need every year, and you won't feel too much economic pressure.
If you don't know which payment cycle you are suitable for, you can also look at the analysis of this article: How to choose the payment cycle so as not to lose money?
These are the relevant answers to the questions. Generally speaking, senior sister doesn't advise you to borrow money to buy insurance. If you have the idea of buying insurance, but your budget is limited, you can also refer to the advice of your senior sister.
Finally, my senior sent you an insurance guide to help you buy insurance without stepping on the pit: what kind of insurance is good, how to buy it cost-effectively, and teach you to avoid these pits of insurance.
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Same number on the whole network: top student said insurance, welcome to search!