What commercial insurance is suitable for a 54-year-old woman without social security? It is best to take good care of her illness and pay dividends in Hunan.

Case: I am 54 years old and I am considering buying an insurance policy. I have no social security at present. What kind of insurance can I buy? What kind of insurance is better and more comprehensive? Better get this back later. Expert advice: Insurance is not an investment, and there is no such thing as a free lunch. Buy insurance must be rational! For a 54-year-old man, it is actually a very lucky thing to have a perfect security system within the scope of economic ability. As for whether the principal can be repaid, please don't force it! If 54-year-old people have the opportunity to participate in social security, old-age medical insurance and rural cooperative medical care, they must not miss it, and then give priority to accidents and hospitalization in commercial insurance. As for major diseases and old-age care, the rate will be quite high. If the family situation is average, you can actually not pay attention to this! Many people think that it is not cost-effective to buy any insurance when you are old. With high premium and low security, they may not get their money back. What we didn't expect was that an elderly person, like a machine, has worn out many parts after a long period of use, so at this time our risk is even greater and we need protection more. Life insurance, serious illness and accident protection are necessary, and hospitalization medical insurance is generally only guaranteed for a few years. If you still want to use insurance to support the elderly, the time is short and the security risk is high, and you may not get back the principal. Product recommendation: China Life's Fu Lu Xin Zun can consider buying insurance at this age, and it can only protect the capital. As for when you can get your money back, that's second, just like saving a sum of money for your child. It's good to have security now. Xin Zun's characteristic is that he will repay the principal, get a survival allowance every three years and pay dividends every year, but people over 50 can't repay the principal until they are 70 years old.

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