A 45-year-old middle-aged woman with a child at school, a job and social security, what insurance is suitable for her?

Hello! The 45-year-old person with social security belongs to the middle-aged stage with heavy family burden. As the pillar of your family, you need a perfect insurance plan to help you better shoulder the heavy responsibility of supporting your family. What insurance should a 45-year-old buy?

1. I suggest you take out a personal accident insurance for yourself first, and the insurance coverage for accidental death and disability should be increased appropriately. After all, you are the pillar of the family, and it is best to set it at more than 10 times of your annual income, so as to ensure that the quality of life of the whole family will remain unchanged within 10 years after the unexpected misfortune comes.

2. You belong to a group with social security, which focuses on providing basic medical security. Therefore, it is suggested that you match a commercial critical illness insurance and hospitalization allowance insurance product, which can provide a powerful supplement for social medical insurance.

In view of the fact that you are providing for your children to go to college, and the responsibility of supporting your family is very heavy, you need to match an unexpected life insurance and comprehensive health protection, which can not only consolidate the financial stability of your family, but also take the opportunity to strengthen the basic personal protection for you personally. The purchase of life insurance can be based on the current economic situation of the family. Ordinary working families had better buy cheap term life insurance. If the family is well-off, you might as well buy both life insurance and whole life insurance. 45-year-olds plan their own insurance plans. It is suggested to buy personal accident insurance and commercial health insurance products first, and then buy a life insurance according to the current financial situation of the family, so as to consolidate the financial stability of the family through a personal perfect insurance plan.

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