I am 35 years old and have social security. I want to buy a commercial endowment insurance. What should I buy?

Hello! To buy insurance for 35-year-old people, we must first improve social security, and then consider commercial insurance, such as accident insurance, health insurance and old-age insurance. The specific description is as follows:

1, social security is an important part of China's social security system, and you can choose. Of course, if the company has already bought it for itself, it can be ignored. If not, you can pay according to the standards of flexible employees.

2. Unexpected risks are everywhere. Once you are over 35 years old, it will be a heavy blow to yourself and your family, which will cause a certain economic burden. To this end, you should buy an appropriate accident insurance to avoid risks. If you often take various means of transportation, you should choose comprehensive traffic accident insurance; If you are the breadwinner at home, the insurance coverage should be set at about 10 times of the annual income.

At present, disease has become a big killer of human beings. 35-year-old, struggling, stressed, irregular work and rest, more prone to illness, should buy a health insurance. If the economic conditions are good, you can buy refundable health insurance; Those with average economic conditions can buy consumer health insurance, with emphasis on critical illness protection and hospitalization allowance.

4. The social security conversion rate in China is low. If you want to maintain the standard of living before retirement, you'd better buy a suitable commercial endowment insurance in advance.

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