I am 34 years old and want to buy Zhiyue Life (universal) from Ping An Company. 4,000 yuan per year, main insurance 65,438+million, serious illness 80,000, accident 60,000, medical treatment 1.2.

First of all, this is not a dividend insurance. It is universal insurance.

By the way, the specific opinions are for reference only:

Under the age of 34, the standard is 4000 yuan per year; Conservative;

The insurance coverage is conservative, with a serious illness of 80 thousand, which is almost equal to nothing in the future. Under normal circumstances, the bottom line for serious illness is 200,000;

Insurance is not saving, and the idea of saving money is misleading to some extent;

It is irrational and unrealistic to rely solely on universal insurance to receive pensions.

1. Suitable insurance age, with a relatively wide range of choices.

2. The expenditure of family insurance premium should be 10%- 15% of the annual household income, and the insured amount should be set at 6- 10 times of the annual household income. But it needs to be analyzed in detail.

4. Whether there is social security, please pay attention to obtaining medical insurance and providing for the aged.

5. Under the premise of social security, plan commercial insurance, focusing on accidents and serious diseases. Social security and commercial medical insurance cannot be reimbursed repeatedly, please remember.

6. At the same time, pay attention to the protection of family members, protect the people around you as much as possible, and achieve comprehensive family protection. Otherwise, the protection will be unbalanced and the meaning of protection will be lost.

7. It is very important to give priority to ensuring the main source of family income as much as possible.

8. Recommended: Ping An guaranteed dividend insurance, Ping An universal insurance and Ping An Fu whole life insurance. .

9. Personal advice or extensive and effective communication with agents. After all, face-to-face communication is the most direct and effective. If necessary, you can also directly call the customer service phone of the relevant insurance company for verification and consultation.