There are ways:

If you add: premium exemption when applying for insurance, the insurance company will pay the insurance premium that has not yet been paid.

If your insurance is supplemented with critical illness insurance, and you are now unable to work, you will be eligible for a certain critical illness protection project. Critical illness can be compensated, usually between 100,000 and 300,000, then This at least 100,000 yuan will definitely help you tide over the difficulties.

If you are insured for pension + critical illness + accidental injury + hospitalization subsidy + accidental injury medical insurance + exemption from critical illness insurance, the benefits you can enjoy are: critical illness compensation, and later premiums are exempted. The pension is guaranteed and the expenses during hospitalization can be subsidized.

It is also insurance, but failing to buy it correctly is the biggest irresponsibility for the family.

Reasons for not buying the right one:

1: Customers are betting on their families and their future happiness, always thinking that some misfortunes are too far away from them. Therefore, when choosing insurance, you are afraid of mentioning death, disease, and accidents. In fact, it is impossible for a person to live to be 200 years old. It is rare in the world to live to be 110 years old at most. Be realistic. Most people can only live to be 70 or 80 years old, and only a few live to be 90.

2. Xiaoli covered his eyes. I don’t want to listen to talk about security, and I always say it doesn’t matter to me. I love hearing about how much benefit you can get by saving for a year, which is higher than saving in a bank. Also easy to accept. Get some protection. Some insurance policies will not get your principal back when it expires. For the benefit of the future, don’t take it anymore. Anyway, you are in good health now! ! ! The biggest mistake when applying for insurance. I don’t know yet: The greatest benefit of insurance is protection! ! !

3. Many people are deceived by relatives and friends, thinking that buying insurance from relatives or friends means they have a favor and insurance. What a big mistake! ! !

Insurance is different from protection, just like buying clothes in winter, shirts are not equal to cotton jackets.

Only through our professional insurance salesmen, we will take into account your personal situation, family situation, family disease history, career situation, your role in the family, your responsibilities, etc., so that you can Only the insurance designed can protect your life and play a protective role in your life.

On the other hand, many people do not dare to let others know their family situation, because people are sinister, and who knows when they will have other ideas. Therefore, most of them just give perfunctory recommendations to relatives and friends about insurance.

For example: A friend of mine has a family annual income of about 150,000, and the insurance he bought is only a universal insurance with an annual payment of 4,000. The protection is: 100,000 for death and 5 for major illness. Ten thousand, accidental injury 30,000, accidental medical treatment 10,000.

Can these guarantees solve the problem for his family? What would happen to the family if this client was in a similar situation? If a serious illness occurs, what problem can 50,000 yuan solve? Customers have to spend a lot of money from their own homes to send them to the hospital. When these problems really happen, customers will definitely say: insurance, insurance, in the end they still have to pay out of their own pocket.

I designed supplementary plans for this client: two: one is pension: the protection is: death: 300,000, accidental injury: 500,000, accidental medical treatment: 10,000, major illness: 290,000. The second plan is a high-security low-payment plan: term life insurance: 500,000, whole life insurance: 300,000, major illness: 200,000, accidental injury: 200,000, accidental disability: 200,000. Hospitalization subsidy, hospitalization medical and surgical expense insurance, etc. In addition to the original universal insurance, the insurance amount will be increased to 200,000 before payment next year. If this customer lives in good health for another 20 years, the accumulated premiums can be settled with just over a year's income. If the customer has problems along the way, this protection plan can directly pay the customer's family: death due to accident: 2 million, death due to illness: 1.3 million. If a major illness occurs, the insurance company can pay more than 600,000, basically protecting the customer The basic interest is to return the principal upon maturity. The customer is very satisfied.

Insurance is to help customers solve problems they worry about in their future lives. It is not simply to allow customers to get more benefits from the money they deposit in the bank.

How much money can be deposited to generate a profit of 1 million in the bank? I save about 200,000 a year, do I have to save it? Years.

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