Many friends will have the idea of buying an insurance policy when they see the news that their family has lost both their wealth and wealth due to their death.
Since insurance can protect you from death, you should have no worries if you buy it.
However, what kind of insurance is available to cover death liability?How high can the sum insured be?
When it comes to death, many friends think of accidental death.
Accidental death is part of the accident insurance coverage and is not actually the primary benefit of the accident insurance.
Normally, in the event of an accidental death, the insurance company will pay the sum insured, mostly 500,000.
If necessary, it is also possible to buy the sum insured up to 1 million.
And because the accident insurance premium itself is relatively cheap, even if the insurance amount is bought for millions, the premium is only a few hundred yuan, so friends can consider it.
And for accidents such as aviation accidents, public transportation accidents, etc., you can pay more.
Because public transportation such as high-speed rail and aviation also has its own special accident insurance.
The premium can buy two or three million insurance amounts for dozens of dollars, and the maximum can even reach 10 million.
However, it should be noted that the accidental death that can be covered by accident insurance must also meet the definition of accident.
Therefore, sudden death is actually not covered by the cover.
Now, many accident insurance products include sudden death in the scope of protection, which can be regarded as a supplement to the protection.
Life insurance is the most effective type of insurance for death, because it is a life insurance that takes our life as the subject of insurance and our survival or death as the condition of payment.
Term life insurance, for example, covers death and total disability, whether it is illness or accidental death.
* It is not expensive, for example, a 30-year-old man is insured, buys 1 million insurance amount, covers until the age of 70, and the annual premium is more than 2000.
Term life insurance can be purchased up to 3 million, but correspondingly, the premium will be more expensive.
Generally speaking, the sum insured of term life insurance should cover all the debts of the family, such as housing and car loans, plus the cost of family living in the next 5-10 years, as well as the cost of children's education and supporting parents.
For our ordinary families, if we feel that the premium is too expensive, then it is recommended to retire at the age of 60-65.
As long as you are past the age when you are responsible for the main responsibility of the family, you can basically rest assured.
There are more patterns of whole life insurance, which can generally be divided into fixed amount and increase amount.
Ordinary fixed-amount whole life insurance is a life insurance with a whole life period and a fixed sum assured.
However, not many people buy this kind of life insurance product, and most friends still choose to increase the amount of whole life insurance as a kind of financial management.
The sum assured and cash value of incremental whole life will increase over time, and we will receive the cash value of the policy after reaching the agreed payment age.
The death liability of the critical illness insurance policy is the death liability attached to the critical illness policy.
In this case, in fact, there is a life insurance policy attached to the critical illness insurance, and the two share the same sum insured.
We also all know that the sum insured of critical illness insurance is generally only 500,000 yuan, and after the death liability is attached, once the critical illness is suffered and the sum insured is paid, then the death liability will be terminated.
Vice versa. 
In general, there are still many insurance products that can protect death liability.
Friends can also choose according to their needs, compare the products of different insurance companies, and choose the product that best suits their needs.