... now I'm going to buy insurance. Is it better to buy social security or endowment insurance? sapient ...

Social security is the most basic guarantee and must be configured. However, social security has certain limitations. Therefore, senior sister suggested that after buying social security for parents, it is best to configure some personal insurance, such as critical illness insurance, term life insurance, millions of medical insurance, accident insurance and so on. And then allocate endowment insurance if you have money on hand.

Friends who don't know how to buy insurance for their parents can read this article first:

You need to know what insurance the elderly have and what insurance to buy for their parents.

Generally speaking, people aged 45 can give priority to these types of insurance: critical illness insurance, term life insurance, millions of medical insurance and accident insurance.

1, critical illness insurance

Critical illness insurance mainly provides insurance for diseases stipulated in the policy. During the period of critical illness insurance, if the insured suffers from the disease agreed in the policy and meets the claim, the insurance company will pay the corresponding insurance money as agreed.

There is no limit to the use of this insurance money. We can use it to pay for treatment and follow-up rehabilitation, or we can keep it to subsidize families, which reduces their financial burden to some extent.

Here, senior sister sends you a collection of critical illness insurance suitable for people aged 45: recommended to you at the age of 45, top ten critical illness insurance stocks with good quality and low price!

2. Term life insurance

Term life insurance is not for yourself, but for your family. Its value lies in helping families fill the economic vacancy after the death of the insured. If the 45-year-old parents are still the breadwinners of the family, it is necessary to buy term life insurance.

3. Millions of medical insurance

Millions of medical insurance is mainly used to reimburse the treatment expenses caused by our illness and hospitalization. There are many millions of medical insurance reimbursements not limited to diseases in the market, and all expenses within the scope of millions of medical insurance reimbursement can be reimbursed with it. In addition, many millions of medical insurance also includes? See a doctor, Lvlian? 、? Prepaid medicine fee? And other value-added services to facilitate our medical treatment.

4. Accident insurance

Accident insurance is mainly used to protect personal injury caused by external, sudden, unintentional and non-disease events. Accidents are fair to everyone, and anyone who goes out may encounter accidents or accidents, so it is very important to configure an accident insurance.

Finally, the senior sister sends you an insurance strategy: which insurance is good, how to buy a good deal, and teach you to avoid these pits of insurance.

Hope to adopt

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