I am 36 years old and have no insurance and social security. What insurance should I buy?

How do 36-year-olds buy insurance? Here is an insurance strategy for you. You can also directly look at these products I selected, "Top Ten Cost-effective Insurance Inventory for Staying Up Late at 36".

Let me talk about the best insurance configuration for 36 years old: critical illness insurance+life insurance+medical insurance+accident insurance.

The role of critical illness insurance: On the one hand, 36 years old is the age with the greatest economic pressure, and there are old people and small people. As the economic pillar of the family, if you get sick, you will not only need to consume a lot of money during treatment, but also affect your work income. The function of critical illness insurance is to transfer this risk. In case of a serious illness, it can also make the economic pressure at home less great! On the other hand, the data shows that the probability of suffering from serious illness is on the rise after people reach the age of 30. If you want to buy critical illness insurance in your 40 s and 50 s, the premium will be much more expensive than now!

The role of life insurance: the family's financial support unfortunately dies, and the originally happy family will be fragmented and it is difficult to maintain the original quality of life. Life insurance can transfer this risk. In case of his unfortunate death, the quality of life of his family will not change greatly, and his love and responsibility will continue.

At the age of 36, I suggest buying term life insurance, because the price of term life insurance is several times cheaper than that of whole life insurance, and it is more cost-effective!

I have also screened out cost-effective term life insurance: recommended to you at the age of 36: take stock of the top ten cost-effective life insurance in 2020.

Medical insurance can be said to be a supplement to medical insurance, covering a wider range, such as some imported drugs, medical insurance can not be reimbursed, and the reimbursement amount is higher. When you buy a medical insurance at the age of 36, you can get millions of reimbursement every year.

How to buy: "Recommended to 36-year-old you: the most worth buying millions of medical insurance stocks! 》

Accident insurance can protect all kinds of injuries caused by accidents, from cat scratching and dog biting to disability and death, it only costs one or two hundred yuan a year, which is very cost-effective. The accident insurance with high cost performance includes: China Life Insurance-Adult Accident Insurance, Zhong 'an Personal Comprehensive Accident Insurance, Ping 'an Little urchin, etc.

The above are all answers about how to buy insurance for 36-year-old people. I hope to adopt them. Thank you!

The same number on the whole network: Xueba said insurance, welcome to search!

Source: Xueba said that insurance official website