Why buy insurance when you are 44 years old?

44 years old, as far as most people are concerned, they have finished their career; I have the burden of family responsibilities, and I will try my best to run my own business. Besides, the pace of life and work in modern society is very fast. In short, 44-year-olds are under great pressure.

If, in case a 44-year-old person dies unfortunately or suffers from major diseases such as cancer, how should these people in the family live in the future?

Therefore, we can equip ourselves with a suit of insurance before the risks and the future come, such as this kind of whole life insurance, which is in line with our own economic conditions.

Let's take whole life insurance, a 44-year-old crowd, as an example to talk about insurance with friends.

1.44 Do people really need to buy whole life insurance?

Regarding the 44-year-old group, I firmly believe that many people have entered the stage of life with old age and small age, not only to work hard to support their families, but also to support their parents; And in terms of physical quality, compared with young people in their twenties, 44-year-olds are definitely incomparable.

Combined with relevant data, hypertension, hyperlipidemia and hyperglycemia have become the health killers of people in their forties. A considerable number of people may think that these three diseases belong to "geriatric diseases" at present, but with the onset age of many diseases getting younger, many young people are sick, not to mention the 44-year-old population.

These three major health killers have done more harm to our health than a little. They are much more dangerous than we thought and knew. Hypertension is an obvious example.

The risk of sudden death of hypertension is lower than that of acute myocardial infarction, but diseases such as hypertension are like boiling frogs in warm water. After a long time, they will cause damage to important organs such as blood vessels, heart, brain and kidney.

As the pillar of the family, once it suddenly falls down, there is no way to guarantee the future life of the family, and the daily expenses such as children's schooling and the life of the elderly can't afford it!

Therefore, 44-year-olds really need to buy whole life insurance, not just whole life insurance products. Even many people want to buy insurance, but they don't know what insurance they want to buy.

Don't worry! Senior this will give you an idea:

What kind of insurance is suitable for you at the age of 44? 》

Second, whole life insurance, a 44-year-old, will not lose money at all!

If you want to buy suitable insurance products, you must first understand the classification and characteristics of such products and choose the right products according to your own needs.

There are two main types of whole life insurance: the fixed whole life insurance and the increased whole life insurance.

Fixed whole life insurance, as its name implies, means that once the insured dies or is completely disabled during the guarantee period, the contract will be terminated if the insured receives a sum of compensation as agreed in the contract; Among them, the agreed insurance amount will generally not change; The quota whole life insurance mainly has the functions of wealth inheritance, death or total disability protection.

Whole life insurance, in short, refers to a kind of whole life insurance whose insurance coverage can be increased. According to the increasing proportion of the insured amount agreed in the contract, it will rise every year in combination with this agreed proportion; In other words, the longer the life of the insured, the stronger the protection.

Compared with the increase in whole life insurance, the increase in whole life insurance can get some extra income because of its financial nature, and it is precisely for this reason that the premium increase in whole life insurance will be relatively more.

Therefore, when choosing, friends can choose according to their own economic situation and insurance needs.

If you want to choose increased whole life insurance insurance, Senior Sister has compiled a list of increased whole life insurance for you, so you can compare and choose the appropriate products:

"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》

Third, the big secret of popular whole life insurance products!

From the above article, we can know that, relatively speaking, whole life insurance can not only have the protection of death or total disability, but also get some benefits, so naturally, such insurance products are also very popular in the market. So what are the popular products in whole life insurance? For example, Ruyi Zun 3.0 of Xintai Life Insurance and Happiness Sustainability 2.0 of Hongkang Life Insurance. These are all ace products belonging to various families and they are also very popular.

But it should be noted that you can't blindly watch others buy insurance and buy it yourself. May be suitable for others, but not for yourself.

Four, 44-year-old people insurance pit avoidance tips

For a 44-year-old, I think you may have a clear understanding of the necessity of buying whole life insurance. It's not easy for you to buy the right insurance products, so look carefully before you take out insurance.

In fact, looking at the life insurance market in an all-round way, there are countless products in whole life insurance, and among many whole life insurance products, some products belong to whole life insurance with a fixed amount, some products belong to whole life insurance with an increased amount, some products cover both death and total disability protection, and some products only include death protection and so on.

Faced with so many choices, we need to start with our actual insurance demand and economic situation.

Where do 5.44-year-olds buy insurance?

The insurance industry has become more extensive. In the memory of many people in the past, they wanted to buy insurance or find an insurance agent. In addition, they went to the service outlets of insurance companies. It's different now.

At present, it mainly covers two kinds of insurance methods, one is the original method mentioned above, and the other is the online route conceived by the Internet, focusing on the insurance company official website, the insurance company hotline, or the insurance company's exclusive app, or the insurance third platform.

All the above methods are reliable, so for a 44-year-old, it is good to choose the way that you think is convenient.

6. How to buy an insurance for all ages?

For the 44-year-old people, it is also essential to equip them with insurance products such as whole life insurance. In addition, people over 44 need to be fully equipped with critical illness insurance, medical insurance and accident insurance. In addition, the elderly and children at home also need insurance protection.

Although the elderly and children don't need to support their families, if they are injured by accidents or diseases, it will also be a huge impact on this family. Therefore, if the economic budget is relatively large, it is best to start insurance for the elderly and children. Who should I buy first?

It is suggested to buy in the following order: firstly, the economic pillar is the main bearer of family responsibilities, secondly, the children are the hope of the family for tomorrow, and then the elderly are the people who are our responsibility and obligation to support.

If the situation of each family is different, what should be considered? Don't worry! Senior, let me tell you!

"3 plans, complete family insurance"

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!