I have no social security and want to buy commercial insurance, mainly life-long pension and medical insurance. Someone can give it to me. ...

If you want to buy old-age commercial insurance, it is generally recommended to buy old-age annuity insurance or incremental whole life insurance. Because it is a different type of insurance, as for which one to buy, the small partner can choose according to his actual situation; If you want to buy medical insurance, it is recommended to buy medical insurance.

On this basis, if there is still a budget, it is recommended that the small partners configure two types of insurance: critical illness insurance and accident insurance.

Of course, different ages have different insurance configuration schemes. If you want to know more, you can read this article: How to buy insurance at different ages? Everyone should have his own plan.

So what are the functions of these insurances? We continue to look down.

First of all, talk about the old-age insurance and the increased whole life insurance. Endowment insurance refers to the insurance that the applicant pays the insurance premium to the insurance company in one lump sum or on schedule, and then the insurance company pays the insurance premium according to the agreed time on the condition that the insured survives until the insured dies or the insurance contract expires.

Whole life insurance is a kind of whole life insurance, but the difference is that in addition to the basic security function, whole life insurance also has the function of financial management, which means that its insurance coverage will increase with the life of the insured.

If some friends don't know much about the increase of whole life insurance, you can read this article: Where is the increase of whole life insurance that can manage money and guarantee it? Is it worth starting with?

Secondly, medical insurance belongs to reimbursement insurance. As long as it is reasonable and necessary expenses caused by hospitalization, it can usually be reimbursed through medical insurance. Not only that, some medical insurance products also have the characteristics of high coverage and low premium, and the overall cost performance is very high.

Finally, there are critical illness insurance and accident insurance. Critical illness insurance belongs to payment insurance. If the insured suffers from the disease stipulated in the contract, he will have the opportunity to get the corresponding compensation from the insurance company. Accident insurance means that the insurance company pays the corresponding compensation for the death or disability caused by the accident to prevent the family economic losses caused by the accident.

If there are still small partners who don't know the difference between these insurance products, remember to read the following article: What is the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?

Hope to adopt!

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