What insurance is appropriate for 45 years old?

What people seek in middle age is a stable word. They are more inclined to live a stable life and have a safe family than to be arrogant when they were young.

Recently, many 45-year-old friends sent private letters saying that they are most concerned about their families at this age, and they are worried that they will lose their dependence in case of an accident, so they want to buy insurance. If you buy it, how to buy it without wasting money?

Today, my senior sister will tell you something about buying insurance at the age of 45.

1.45 Do I need to buy insurance? How to buy without wasting money?

1, do you still want to buy it when you are 45 years old?

First of all, at the age of 45, it is necessary to buy some suitable insurance. On the one hand, it can protect itself, on the other hand, it is also a sign of being responsible for your family. Don't think that your health is fine now, so why waste money on insurance?

Secondly, seniors often tell everyone that the main purpose of insurance is not to raise the living standard to a higher level, but to ensure that life will not get worse because of some factors. In other words, buying insurance is actually transferring risks.

But risk is a question of probability. No one knows when he will get sick or have an accident, so we can only nip in the bud.

Global Tongfang Life Insurance 202 1 claims report shows that serious illness is the first claim amount, accounting for 77%. In addition, the report also shows that the onset age of serious diseases is concentrated between 465 and 438+0-50 years old, accounting for 30% of the total.

This means that serious illness is one of the main life-threatening risks, and the people most affected are people aged 4 1-50!

It's not hard to understand why. Take the 45-year-old population as an example. Usually at this age, their family responsibilities are the heaviest. The cost of raising children and supporting the elderly rises with the price. The increasing family expenses have brought great pressure to their body and mind, and they are naturally prone to illness after a long time.

Different from being free and easy when he was young, he suffered from a serious illness at the age of 45, and the impact on the whole family was immeasurable. With this, there is enough reason to buy insurance.

2, 45 years old, buying insurance is cost-effective!

Although the senior has always stressed that it is necessary to buy insurance at the age of 45, she opposes the practice of buying various insurances. We only need to buy the most important ones, and the rest can be discussed later according to our personal situation. What do you need to buy?

(1) critical illness insurance

According to the claims data listed above, I believe everyone will know its importance. As a kind of payment insurance, when the insured is diagnosed with an agreed disease and meets the claim standard, it can be paid in cash.

Critical illness insurance can ensure that the life of the 45-year-old people will not be fragmented because of a serious illness. Because its insurance premium is unlimited, it can be used to solve various expenses during illness. Even if you are absent due to illness, the money can last for a while.

However, there are numerous critical illness insurances on the market, which one is better? Don't worry, Senior Sister has compiled a list. If necessary, you can open it:

"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》

(2) Medical insurance

The essence of medical insurance is a kind of reimbursement insurance, which can reimburse the prescribed and necessary medical expenses. In addition, most commercial medical insurance on the market can reimburse items outside the social security drug list, so it can also make up for the shortage of social medical insurance.

And the cost performance of medical insurance is also very high. Usually, a product covering one or two million yuan only costs a few hundred yuan a year, and most people can save enough money by missing a restaurant.

Under normal circumstances, the number of good medical insurance that you can choose at the age of 45 is quite large, but it will change later. Suggest taking action as soon as possible.

(3) Accident insurance

At present, most accident insurance can not only compensate for accidental injuries in proportion, but also reimburse medical expenses caused by accidents, and the insurance threshold is relatively low, so even people who are sick or older have the opportunity to buy them.

What's more noteworthy is that accident insurance is very cheap, and a product with complete basic protection only needs 200 yuan!

(4) Life insurance

Life insurance is a kind of insurance to protect death or total disability. As long as the situation meets the requirements, the insurance company will pay a large sum of insurance money. 45 years old is an important source of income for the family. At the slightest sign of trouble, the whole family will fall into economic crisis.

If you buy life insurance, you can leave a sum of money for your family to spend this difficult time after this misfortune happens.

There are many life insurance products on the market. Senior sister collected information overnight and arranged a set of products with high cost performance. Don't miss:

Top Ten Life Insurance Rankings Worth Buying! 》

3. What are the popular products?

At present, many adult insurances on the market are very popular, especially critical illness insurance. Major insurance companies are also constantly innovating to provide consumers with a variety of choices.

For example, Versailles plus of Tongfang Global, Darwin 6 of Guo Fu Life Insurance, Super Mary 6 of Hetai Life Insurance, Zhongan Critical illness insurance (multiple compensation version), and Recreation Life 202 1 of Fosun United.

However, the quality of a product cannot be determined by its sales data or the size of the company. The key is to implement the guarantee content.

Next, the senior sister will take the Versailles plus of Tongfang Global as an example to see what qualifications this product has to become a leader in the market:

"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》

Second, the original insurance should pay attention to these!

1, 45-year-old lightning protection tips!

Differences in gender and age will lead to different places that they need to pay attention to when buying insurance, which is why senior sisters have always stressed that they should proceed from their own situation. Insurance that suits others may not suit you.

What's more, even if it is the same insurance, the differences between different products are quite large. For example, critical illness insurance, some products can be guaranteed for life, and some can only be guaranteed for decades; Or some cover high incidence and serious diseases, and some don't, which is really dazzling.

2. Where to buy insurance is more reliable?

There are two ways to buy insurance, one is offline and the other is online.

Offline insurance is easier to understand, that is, you go to the business outlets of insurance companies in person, or find agents and salesmen around you to insure. This is also an old-fashioned insurance method. The advantage is that you can face professionals directly and consult them at any time if you have any questions.

There are many kinds of online insurance. Not only can you directly log in to the insurance company official website, app, official WeChat account and other channels for insurance, but you can also choose a reliable third-party Internet platform for insurance, so you can buy the products you want without leaving home.

3. How does a family buy insurance?

In addition to insuring yourself, it is also important to buy insurance for your family. After all, any family member's accident will have a bad influence.

First of all, spouses, who also shoulder heavy family responsibilities, have an indelible impact on the operation of family life, whether they are making money outside or doing housework at home. Therefore, after buying insurance, they should consider buying it for their spouses.

Secondly, children are vulnerable in life because of their young age, and they bear the hope of the whole family. Therefore, parents can prepare to start insurance suitable for their children after configuring the insurance.

Finally, the elderly, as an important pillar of the previous generation of families, should fulfill their support responsibilities, and buying insurance for them can reduce the burden of providing for the elderly in the future to some extent.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!