I come from Wujiang, Suzhou. How can I buy carefully selected PICC term life insurance?

PICC Life carefully selects term life insurance, and does not follow the difference between traditional life insurance health and sub-health to distinguish the insured. Instead, whether the insured smokes is regarded as an important indicator to judge the health level of the insured. Non-smokers are defined as excellent, excellent, excellent and up to standard, while regular smokers are divided into sub-excellent and sub-standard according to the smoking degree. In short, according to whether and to what extent the insured smokes, the health status of all the insured is divided into six grades. Of course, in addition to judging whether the insured smokes, we will also consider the insured's blood pressure, cholesterol status, body mass index and other indicators. According to different levels of the insured, different insurance rates will be implemented. The insured with the best health can save 40% of the premium compared with the insured with the worst health.

2. Disadvantages.

Although judging the health status of the insured according to whether the insured smokes or not has created a new judgment standard in the field of life insurance in China, it is too hasty to simply judge the health standard without going through hospital examination. Of course, we can also regard it as an appeal to life insurance to advocate a healthy lifestyle.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.