I have a say in this issue.
I'm 36 years old, so I'm barely close to 40.
My wife is the same age as me, has a 3-year-old son, and is a normal family of three.
At present, I am still quite satisfied with the insurance configuration of our home, becauseBefore becoming an insurance broker, I already had a strong interest in insurance, and I also researched insurance for a period of time and picked a few suitable insurance policies for myself.
Nothing moreMy wife's critical illness insurance was bought before I became a broker, and the return-type whole life critical illness insurance is relatively expensive, This has not been dealt with well, but after all, it is a historical problem, so there is nothing to do, so I can only pay the bill.
At the moment, I only have two insurance plans for myself.
One term life insurance, one term consumption critical illness insurance.
Let's talk about each of them.
1.Term life insurance
If you look at insurance-related articles or ** on the Internet, you will find that few people will mention term life insurance.
Not being popular doesn't mean it's not important, in fact, I think the importance of life insurance is higher than critical illness insurance.
The insurance liability of fixed life is very simple, if you die during the insurance period, the insurance company will pay a death benefit.
For a family, this money can be life-saving when the main family and breadwinner falls.
The effect is so big, why are so few people buying, and not even interested in a few?
BecauseDeath is a very unlikely event.
Although in recent years, various news of sudden death have often appeared in the newspapers, butThe sudden death of a person is indeed a very unusual thing.
There is a high probability that we and the people around us will live well.
It is precisely because the probability is extremely small that the possibility of the insurance company paying out is very small, soThe ** of life expectancy can be very low.
Generally, the sum insured of four or five hundred thousand yuan only needs more than 1,000 premiums to get it.
Precisely becauseThe extremely low premium, extremely high leverage, and ultra-high cost performance make me feel that Subscription Life is one of the most worthwhile insurance products to buy.
2.Critical illness insurance
Critical illness insurance is currently a relatively recognized type of insurance, and it is also a very popular insurance.
It's not the same as deathThe probability of critical illness occurring is high, and the possibility of insurance companies paying out is also very high, so critical illness insurance is very expensive.
There are two ways to buy critical illness insurance:
Those with weak spending power can buy fixed-term consumption-based critical illness insurance, hundreds of thousands of insurance amounts, about 4,000 yuan a year.
But there is one point, these premiums are purely consumed, and if there is no critical illness, you will not get a penny back.
Many people can't accept this, so they have to give up this type of product.
Those with strong spending power can buy returnable critical illness insuranceIf there is no critical illness during the policy period, the premium will be returned in the form of cash value.
The cash value is the money that can be returned by surrendering the policy, which is simply understood as "how much the policy is worth at the moment". ）
If you have a critical illness, there will be a payment, and if you don't have a critical illness, you will have a refund, which is really beautifulTherefore, this kind of critical illness insurance is very popular and is one of the most mainstream insurance, on the contrary, consumer-based critical illness insurance is non-mainstream.
But the only problem isReturn-based critical illness insurance is expensive, hundreds of thousands of insured amounts, a year premium may be more than 10,000, and the leverage is relatively low.
Not to mention the ratio of fixed life, the leverage ratio is much lower than that of consumer-based critical illness insurance.
But I couldn't bear itEveryone can't accept critical illness insurance where the premium is purely consumedSo there is still a big market for this kind of product, is the user king, you say yes.
So back to the title, a 40-year-old man, the head of the family, how should he buy insurance?
I think I can copy my homework, a term life insurance and a critical illness insurance, and it will be enough.
In this way, the two most devastating risks for a family, sudden death and critical illness, are well avoided.
The premium expense is not large, even if it is a return-based critical illness insurance and a cheap term life insuranceThe annual premium is only 10,000 to 15,000, which is affordable for ordinary middle-class families.