Can I buy insurance at the age of 52?

Many friends want to know, 52-year-old people, as the backbone of a family, is it necessary to buy a life insurance for themselves?

Senior sister takes this opportunity to give you a good answer to this question.

Before the formal introduction, Senior Sister presents a list of life insurance with high cost performance:

Top Ten Life Insurance Rankings Worth Buying! 》

1.52 need to buy whole life insurance?

Life is like the weather, predictable, but often unexpected. Or it may be a bump, or a traffic accident. When the accident will happen is unpredictable, especially for the 52-year-old people.

For the 52-year-old, even though he has gradually begun to shift the family economic pressure to the next generation, he has not completely separated from the position of the family economic pillar.

If the children are not completely independent, the family car loan, parents' pension and medical problems, children's education or marriage expenses need these people to pay. If the 52-year-old person who is the main economic undertaker collapses at this time, it will undoubtedly have a huge impact on the family.

Whole life insurance not only has the function of security, but also has the function of saving and wealth inheritance. Assuming that whole life insurance is insured, the insurance company will also pay a sum of insurance money, so that the family will not be in dire straits.

So it is necessary for a 52-year-old to buy whole life insurance!

Second, whole life insurance bought it this way in' 52.

Some excellent whole life insurance products in the market include not only death protection, but also comprehensive disability protection, as well as policy loans and other rights and interests.

However, it is worth mentioning that when choosing the whole life insurance suitable for your own situation, you should not only pay attention to the protection content, but also master its exemption clauses.

The concept of exemption clause is that after an accident, if the insurance company verifies that the case falls within the boundaries of exemption clause, it is usually unable to obtain compensation. For consumers, the fewer exemption clauses, the better, because to a certain extent, it is the key factor that determines whether we can settle claims smoothly after the accident.

At present, we can see many new whole life insurance products in the market, which not only have the function of security, but also have the function of financial management. With the increase of time, the basic coverage will also increase, which is very different from the traditional whole life insurance products.

Third, the most popular whole life insurance assessment on the market.

There are many popular whole life insurance products on the market at present. For example, whole life insurance, who shares the benefits with Taixin, whole life insurance, who enjoys a happy life with Hongkang Life Insurance, whole life insurance, who enjoys a happy life with Xintai Ruyi Zun (version 3.0)-10, whole life insurance, who is the investor and Jin Yingwei, and Longquan Guan whole life insurance, Great Wall Life Insurance, etc.

So popular products must be suitable for starting? In fact, to judge the quality of a whole life insurance product, we only need to weigh its guarantee and compensation.

Four, 52-year-old people to buy life insurance matters needing attention

At this point, I believe many 52-year-old people know how to start with whole life insurance products. However, if you want to buy a whole life insurance product that meets your own requirements, it is not enough to pay attention to the content and other aspects.

Although whole life insurance's main protection is death, there are more and more products now, all from the perspective of consumers, adding more protection.

As far as total disability protection is concerned, some whole life insurance products not only provide death protection, but also provide total disability protection, so that the insured can get stronger protection. If as a total disability life insurance product, it is only equipped with death protection, but there is no total disability protection, then it will not provide any compensation if it is unfortunately caused by total disability for some reason.

Obviously, it is not easy to buy a whole life insurance product that suits you. If you don't know how to configure it, you can refer to this article:

Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.

Where is the best place for people aged five or 52 to buy insurance?

There are two common channels to buy insurance, online and offline.

Online insurance: You can choose to use the third-party insurance mall, the application of your own insurance company or the official website of your own insurance company, such as Ant Insurance in Alipay.

Offline insurance: Most insurance companies set up offline stores all over the country. Some large insurance companies, such as Ping An Insurance, have offline stores all over the country. We can go to the offline store of the insurance company in person, or have friends who know the insurance salesman around us, or we can buy it through the insurance salesman.

VI. Family Insurance Configuration Plan

Whole life insurance is not enough for a 52-year-old. If they want to provide themselves with adequate protection, they should also start with critical illness insurance, medical insurance and accident insurance to bring them comprehensive protection.

Moreover, according to the situation of a family, not only should the 52-year-old people enjoy insurance protection, but also their children and parents should be insured with appropriate insurance.

52-year-old people, children are generally around 20 years old. Although children of this age are in the most active stage, it can be seen from the relevant data that many young people have been diagnosed with cancer. Children of this age will be very curious and tend to love the outside world, so the probability of accidents will increase. Therefore, it is recommended to choose some suitable insurance for children. Children of this age group are more suitable for taking out critical illness insurance, medical insurance and accident insurance.

When parents are older, they are more likely to get sick or have accidents, and they also need insurance to protect them. Parents should take out insurance such as cancer insurance and accident insurance, which is more suitable for them.

You can refer to this family insurance configuration strategy compiled by Senior Sister:

"3 plans, complete family insurance"

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.

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