Compared with whole life insurance, which is more worth buying in whole life insurance?

Recently, a boy of 19 years old in Shanghai had a seizure and fell on his face in the Shanghai subway. The first sentence 1 after he woke up was that he was going to work.

The world of adults is full of hardships, and everyone bears a heavy burden, not only for their lives, but also for their families, and they dare not rest on their way to work.

Because of this, we must learn to protect ourselves, so that we will not be at a loss when we encounter risks such as accidents and diseases.

Although most people are aware of the importance of insurance, there are still a few people who don't understand why to buy insurance, and what are the specific benefits of buying insurance?

Today, I'd like to take this opportunity to popularize insurance knowledge for you, starting with critical illness insurance and whole life insurance. Please don't be distracted, or you'll regret it, because seniors are talking about dry goods.

1. What's the difference between critical illness insurance and whole life insurance?

1. Guarantee content

Critical illness insurance, simply understood, is the insurance to protect major diseases. However, with the change of the era of critical illness insurance, critical illness insurance not only covers serious diseases, but also covers moderate and mild diseases and even prophase diseases, and the coverage is relatively wide.

What are the specific diseases that critical illness insurance can protect? There is an answer in this article:

What diseases does critical illness insurance cover? Don't buy these if you don't understand! 》

Whole life insurance, as soon as you hear it, it has something to do with people's lives. It doesn't have too complicated protection content. If the insured dies unfortunately or is totally disabled, whether due to illness or other factors, as long as it meets the contract requirements, you can get insurance money.

Step 2: Effect

The main purpose of critical illness insurance is to prevent the risk of disease. If the insured really gets a serious illness during the protection period, the insurance company will pay the insured in one lump sum. Whether it is used for treatment or for subsequent rehabilitation physiotherapy, such claims can be freely controlled by the insured. Even if it is used to make up for your income loss, it doesn't matter.

If whole life insurance is in danger, the insured can also get a sum of insurance money paid by the insurance company, but this insurance money is generally left to the family, and then the family can use this money to maintain a normal life, so whole life insurance is also called the embodiment of "love and responsibility".

3. Applicable people

Critical illness insurance can be configured for men, women and children, as long as your insurance age is the same. However, there is one thing that senior three students must remind everyone. If you are an old man in his fifties or sixties, even if you are eligible for critical illness insurance, you should buy it carefully. Because you are older, the premium will be a little more expensive. In addition, it is prone to "upside down".

Whole life insurance, generally only applicable to the economic pillar of the family, is the main source of family income, and children and the elderly are not suitable for allocation.

2. What should I pay attention to when buying critical illness insurance and whole life insurance?

After you know the difference between critical illness insurance and whole life insurance, you will find that they are not the same insurance and have different functions. You can flexibly choose the configuration according to your own needs.

So what problems should we pay attention to when configuring?

1. Select the appropriate insurance amount.

Whether you buy critical illness insurance or whole life insurance, the purpose of insurance is to protect yourself. Therefore, you can't just choose the insured amount. If you choose less insurance, the role of insurance in preventing risks will not be great. If you choose more coverage, the premium will be more expensive at this time.

The coverage of critical illness insurance generally covers treatment fee+rehabilitation physiotherapy fee+income loss for 3-5 years. However, whole life insurance is not only responsible for all the debts of the family, but also supports the daily life of the family. If you really don't know how to choose, maybe this article can help you:

How much insurance is appropriate? Talk about the doorway inside.

2. Health notification

Both critical illness insurance and whole life insurance have this step of health notification. If the health notification fails, most insurance companies will not cover it.

However, people with minor physical problems need not worry too much. When giving health advice, keep these points in mind: answer truthfully, answer any questions, don't ask, don't answer, and there is still a chance to underwrite smoothly. Remember never to hide your illness because you are dizzy for a while, so even if the insurance is successful, you will not be able to claim compensation later.

Tips on insuring against illness, the following text has been sorted out by senior sister. Interested friends should go and have a look at it quickly:

"Remember these five steps, so that you can be insured in spite of illness! 》

To sum up, critical illness insurance and whole life insurance have their own advantages, which can also provide protection for everyone. But the type of insurance you choose will be different according to different age groups, so you should do your homework before making a choice. At the same time, when purchasing critical illness insurance and whole life insurance, we should also pay attention to the insured amount and health notification.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!