Where can I buy insurance at the age of 26?

There are two common insurance channels at present: online insurance and offline insurance. Generally speaking, online insurance is cheaper than offline insurance. Many people will wonder why online products are so much cheaper.

This is actually because they spend different costs. In the operation of offline insurance, it is inevitable to invest some manpower and material resources in the establishment and maintenance of stores and the recruitment and management of agents. Internet insurance saves this fee, so the price will be relatively cheaper.

If you have any other questions about this, you can also look at the explanation of this article: Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance?

Secondly, if the 26-year-old is worried about the high premium when buying insurance, we can also relieve the pressure in the following ways.

1, choose a longer payment period.

When a 26-year-old friend buys insurance, it is more appropriate to choose a longer annual payment period when the product supports annual payment.

Because other conditions are the same, the longer the payment period, the less premium you need to pay every year, and the less pressure you have.

If you don't know how to choose the most suitable payment period, you can also look at the suggestions in this article: How to choose the payment period so as not to lose money?

2. Choose products with short shelf life.

For people with insufficient budget, you can first consider insuring regular products, such as one-year products, or products that are guaranteed for 20 or 30 years. Other things being equal, the premium required for fixed-term products is relatively cheaper than that for life-long products, and generally it will not cause too much pressure.

However, it should be noted that there will be unstable protection, for example, after the expiration of the protection period, it may be impossible to insure because the product is discontinued.

These are the answers. In order to help my 26-year-old friend buy a suitable insurance, Senior Sister Xue also prepared an insurance guide. It is recommended to collect it: before buying insurance, you must first understand these key knowledge points!

Hope to adopt

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