The influence of Laite coin on long term care insurance

1. For 26 year olds, my suggestion is bank fixed deposit + bank breakeven financing + security insurance, which is more suitable for most young people

in fact, the so-called financial insurance is not far behind the current fixed deposit and principal guaranteed financial procts. In fact, if you look at the insurance company's plan and actual dividend situation, and then calculate according to the current deposit interest rate, you will know. It's just that too many people are too lazy to calculate. Moreover, as far as young people are concerned, there will be a lot of unexpected expenditures in the future, such as house purchase, car purchase, marriage, birth and so on. The relative flexibility of buying insurance is too poor. It is suggested that financial insurance should be considered when you have children and a stable life after marriage

for your current insurance suggestions, please refer to the following order:
1. Accident insurance (card form is good, price is cheap and quantity is enough)
2. Fixed life insurance (this is not for your own use, just consider one thing, if you are away, how much money is appropriate for your family)
3. Serious illness insurance (this is for your long-term preparation, It is suggested to consider procts with mild benefits. For women, attention should be paid to cancer in situ, lupus erythematosus and other serious diseases. Recommend the 2012 Kangning of Guoshou, the auspicious Ankang of Zhongying, at least to Ping'an Xinyi life, which is with cancer)
4. Hospitalization expense insurance (just add it to the main insurance)
5. Hospitalization allowance insurance (it is recommended to buy the kind of insurance that can be purchased separately and can be guaranteed to be renewed like century Taikang of Taikang)

2. Harmonious health care insurance (universal type) to pay 500000, five years later how much money need to see the insurance contract on how to write< Br > < br > believe me, after reading this insurance science and eating it thoroughly, you will be more professional than 80% of insurance salesmen? How to buy insurance correctly< < br > < br > the insurance coverage of harmony health care insurance is as follows: < br > < br > first, the death insurance benefits of disease < br > < br > if the insured dies e to other reasons other than accidental injury, the death insurance benefits of disease will be paid; At the same time, this contract shall be terminated. The disease death insurance benefit consists of the value of the insured's personal account and the amount of risk insured at 24:00 on the day of death< (2) nursing insurance benefits < br > < br > if the insured enters into the long-term nursing state in line with the contract and is still in the long-term nursing state after the end of the observation period, the nursing insurance benefits will be paid, which can be used to pay for the nursing services and expenses required by the insured< (3) health maintenance insurance benefits < br > < br > if the insured is still alive at the expiration of the insurance period of this contract, the health maintenance insurance benefits will be paid at 103% of the value of the personal account at 24:00 on the expiration date of the insurance period; At the same time, this contract shall be terminated< Br > < br > if you don't know which insurance company to choose to buy insurance, you can consult peppermint insurance. Peppermint insurance is an insurance consulting platform. Peppermint insurance cuts into the insurance sales value chain from intelligent Q & A and intelligent recommendation tools, but never stops at sales tools< br>

3.

These are two companies with different main bodies and different business areas.

Shenzhen Prudential overseas company, fully known as Prudential (Shenzhen) Overseas Service Co., Ltd., is an immigration agency, headquartered in room e, 29th floor, Century Plaza, 3018 Shennan Avenue, Futian District, Shenzhen (Jiaotong bank building), focusing on Canada, the United States, the United Kingdom, Australia, Ireland, Maltese We provide overseas services and visa services in Portugal, Spain, Greece, Cyprus, Antigua, Saint Kitts, Dominica, Grenada, Moldova, Hong Kong, China and APEC Business travel cards. Our business covers investment immigration, skilled immigration, entrepreneur immigration, family reunion, study abroad visa, business travel visit visa and application for admission to famous schools

source: Internet

4. The answers are as follows:

brief description, for reference only

1
2. The expenditure of premium should be 10% - 15% of the annual income, and the amount of insurance should be 6-10 times of the annual income. But it should be analyzed in detail
4. If there is social security, please pay attention to getting medical insurance and pension
5. Under the premise of social security, commercial insurance should be planned, focusing on accidents and serious diseases. Social security and commercial medical insurance, can not be repeated reimbursement, remember
6. At the same time, we should pay attention to the security of family members, protect the people around us as much as possible, and achieve comprehensive family security. Otherwise, the security will be unbalanced, and the meaning of security will be lost
7. It is important to give priority to the protection of the main income source of the family as far as possible
8. Personal recommendation: Ping An shushenfu bonus insurance or ping an omnipotent, smart life, you can refer to
9. Personal advice is a wide and effective communication with the agent. After all, face-to-face communication is the most direct and effective. If necessary, you can also directly dial the customer service telephone number of the relevant insurance company for verification and consultation

good luck!

5. They arrived together. However, at the beginning of insurance, 3% of the initial cost will be dected, that is, the calculation of the principal is premium * (1-3%), not 100% of the initial premium. The minimum guaranteed interest rate in the contract is 2.5% per annum, and the excess is uncertain< Br > < br > believe me, after reading this insurance science and eating it thoroughly, you will be more professional than 80% of insurance salesmen? How to buy insurance correctly< Br > < br > the five-year settlement interest rate of harmony No.1 nursing insurance (Universal) is 4.00%; The five-year settlement rate of B and D of harmony No.1 nursing insurance (Universal) was 4.80%; The five-year settlement rate of harmony No.4 nursing insurance (Universal) was 4.50%; The five-year settlement rate of harmony No.5 nursing insurance (Universal) is 5.30%< < br > < br > the insurance coverage of harmony health care insurance is as follows: < br > < br > first, the death insurance benefits of disease < br > < br > if the insured dies e to other reasons other than accidental injury, the death insurance benefits of disease will be paid; At the same time, this contract shall be terminated. The disease death insurance benefit consists of the value of the insured's personal account and the amount of risk insured at 24:00 on the day of death< (2) nursing insurance benefits < br > < br > if the insured enters into the long-term nursing state in line with the contract and is still in the long-term nursing state after the end of the observation period, the nursing insurance benefits will be paid, which can be used to pay for the nursing services and expenses required by the insured< (3) health maintenance insurance benefits < br > < br > if the insured is still alive at the expiration of the insurance period of this contract, the health maintenance insurance benefits will be paid at 103% of the value of the personal account at 24:00 on the expiration date of the insurance period; At the same time, this contract shall be terminated< Br > < br > if you want to know more about insurance procts, you can consult peppermint insurance. Peppermint keeps all kinds of insurance knowledge and insurance proct introction. Peppermint insurance mainly connects C-end insurance consumer customers and a-end professional consultants to provide new generation families with one-to-one insurance solutions and life cycle high-quality services< br>

6. Pro, insurance agent qualification examination real questions need to go directly to the computer, or books to choose

7.

With the graal aging of China's population, more and more people begin to plan to deal with the pension problem. The so-called "pension freedom" actually means that we will not worry about money when we are old, and we can arrange our own pension and life according to our own ideas

How much does it cost to provide for the aged? If we don't consider subsidizing children, the three major expenses are living expenses, medical expenses and nursing expenses

the basic cost of living is a problem that everyone is worried about. Generally speaking, if the monthly cost of living of the elderly is less than 2000 yuan, they will be short of money and have no quality. In fact, this amount is similar to the national per capita consumption expenditure. In 2020, the national per capita consumption expenditure will be 21210 yuan, and the urban per capita consumption expenditure will be 27007 yuan. For example, some elderly people have a high level of consumption and often travel or improve their lives. Seven or eight thousand yuan a month may not be enough. If we prepare according to 30000 yuan a year, we need 600000 yuan in 20 years

At present, medical insurance can also cover a large part of medical expenses. If you have the conditions, you can participate in the basic medical insurance for employees. The reimbursement rate is high, and you have a medical insurance account to buy medicine. If we choose all the schemes within the scope of medical insurance reimbursement, as long as it is not a very special disease, thirty or fifty thousand yuan is enough to deal with the security

for elderly care, the state is practicing long-term care insurance. For the elderly disabled, mentally retarded elderly, to give a certain amount of nursing reimbursement treatment. Of course, indivials also need to bear their own burden, but at least it can greatly rece the burden of the elderly

after old age, if the demand for pension freedom is not high, and there are employees, pension insurance, medical insurance and nursing insurance, almost another 300000 or 400000 yuan will be prepared, we will be able to live a good life for the elderly