Mother's Day is coming, and many friends prepare a bouquet of beautifully packaged carnations to thank their mothers for their selfless and pure love.
Flowers can bring temporary joy to the mother, and the mother works day and night for the family, and the health of the mother should be the first priority.
Whether it is a child who has just stepped into the society or a husband who has a successful career, she should be given a guarantee of love.
So, how to configure insurance for your mother? Everyone will know after reading this article.
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01
What kind of insurance do I need to buy for my mother?
How to scientifically configure insurance for mothers?
We must first understand the characteristics and functions of different types of insurance, so as to avoid buying the wrong or missing purchase.
There are many types of commercial insurance on the market, and the insurance that is commonly contacted can be divided into four categories: critical illness insurance, accident insurance, medical insurance, and life insurance.
As the basic protection, the four major insurances are the primary options that everyone considers in the insurance process.
Critical illness insurance, which is a type of insurance that covers critical illness, mild to moderate illness, and special illness.
It is positioned to transfer the economic risks caused by critical illnesses and to compensate for the loss of income and rehabilitation costs due to illness inability to work.
To purchase critical illness insurance, we need to pay attention to matters such as the sum insured, payment period, protection period, type of coverage, and content of coverage.
Accident insurance, which can reimburse medical expenses caused by accidents, and cover disability or death due to accidents.
Medical insurance, which is a reimbursement type of insurance, according to the process of "see a doctor first and then reimburse", reimburse medical expenses with medical expense invoices.
Medical insurance is mainly for general medical treatment, and the coverage is broader than that of major illness insurance.
The most representative medical insurance is the million-dollar medical insurance, which can reimburse up to millions of huge medical expenses, and it is recommended to buy everything you can.
Friends who are old or in poor health may not be able to buy it, so you can consider cancer prevention medical insurance or Huimin Insurance.
Life insurance, based on the life of the insured, whether it is death caused by illness or accident, as long as the exclusion clause is not triggered, 100% of the sum insured will be paid.
Typically, life insurance is allocated to the breadwinners of the family, who are responsible for the whole family.
What we need to do is to choose term life insurance or whole life insurance based on our financial budget.
When the health protection is completed, if you still have enough budget, you can consider investing in a savings insurance, such as annuity insurance.
The characteristics of annuity insurance are that it is safe and the income is certain, written in black and white in the contract, and the annuity can be received at the appointed time.
So as to achieve the purpose of pension planning, education planning and so on.
Here comes a new problem.
For mothers of different ages, how to buy it? What are the recommended products? Let's talk about it in detail.
02
Young mothers, on the configuration of the four major types of insurance!
For mothers between the ages of 25 and 35, this group generally has the following characteristics:
The family has just been formed, the economic situation is not very well-off, and there are car loans and housing loans, and the main economic force is my father.
The increase in children's rigid expenditures, especially the education expenses of children's kindergarten, is not a low expense.
The heavy responsibilities of taking care of the children and educating the children are mainly borne by the mother, and the body and mind are seriously consumed, and the risk of illness and accidents increases.
From the husband's point of view, he should consciously protect his wife's health.
It is recommended to have four major rigid insurance: million medical insurance, accident insurance, adult critical illness insurance, and term life insurance.
Young mothers at this stage have an advantage in premiums when choosing products, and a healthy family bucket can be achieved for only about 4,000 yuan.
At the same time, Daddy has sorted out the best-selling products on the market for your reference and analysis.
In terms of the choice of accident insurance, the dad chose the little bee No. 5.
The overall protection is high, including sudden death protection, transportation accident protection, and the premium is cheap.
Million Medical Insurance has chosen Changxiangan long-term medical insurance, which is guaranteed to be renewed for 20 years, and there is no need to worry about the interruption of protection due to changes in physical health.
The Super Mario No. 10 Adult Critical Illness Insurance selected here is a cost-effective and comprehensive product.
The sum insured is set at 300,000, and if the budget is sufficient, it is recommended that the sum insured be 500,000, and at the same time check the optional benefits required.
Finally, there is term life insurance, in case the mother encounters extreme risks, it will cause a heavy blow to the family.
Huagui Damai Ultimate Edition A provides death/total disability protection, paying 100% of the basic sum assured, which is lower than the premium pressure of whole life insurance.
If you want to know more, you can click here for a free 1-on-1 consultation!
03
Middle-aged mother, pension planning arrangement!
For mothers between the ages of 36 and 49, this group generally has the following characteristics:
With a stable family and financial situation, my mother has more free time and chooses to return to the workplace or run her own business.
As I get older, the abnormal signals of my body quietly sound, and I have to pay attention to it, worrying that I will have a serious illness and drag down my family.
The idea of the whole insurance plan is the same as that of young mothers, accident insurance and medical insurance have been adjusted, and term life insurance and critical illness insurance have been retained.
We can see that under the same conditions, the premium of critical illness insurance in this age group is significantly higher than that of young people.
At this time, the annual premium of the health gift package increased to about 7,000 yuan.
Considering that this age group mom is close to the female retirement age.
Dad suggested that if the budget is sufficient, you need to make a pension plan for your mothers, so you can configure an annuity insurance for your mother.
The dad here recommends Fuman No. 5 Annuity Insurance, which provides stable pension and death protection.
With the support of policy dividends, the income performance potential of the product has been greatly enhanced.
In addition, this product also provides a wealth of policy value-added services, and is connected to high-end retirement communities.
For middle-aged mothers who have pension planning needs, Daddy recommends focusing on Fuman No. 5 annuity insurance.
04
Elderly moms, concerned about accident and cancer protection
Elderly mothers over the age of 55 may have just retired, and they may also be at home with their grandchildren.
In addition to changing roles, mothers are also more likely to suffer from high-incidence illnesses and are at increased risk of accidental falls or injuries.
The idea of insurance allocation also needs to be adjusted:
And due to age restrictions and physical reasons, many insurance may not be available, such as critical illness insurance.
Critical illness insurance is really expensive at this age, and the insurance company will also limit the sum insured and the time limit for payment.
More importantly, my mother was unable to buy critical illness insurance due to health problems.
The father suggested that the children could buy a cancer insurance for their mother instead.
Although the coverage of cancer insurance is not as extensive as that of critical illness insurance, mothers who are at an age with a high incidence of cancer can get coverage for high-incidence cancer and carcinoma-in-situ.
In terms of the choice of million medical insurance, long-term medical insurance guaranteed renewal for 20 years is still chosen, and long-term medical insurance of blue medical insurance is still chosen.
Compared with the middle-aged mothers, the elderly mothers will face the problem of increasing the rate with age, and the annual premium will increase to 1,436 yuan.
In terms of the choice of accident insurance, you can find a product that meets the insurance age.
There are many accident insurance policies with high protection on the market, all of which support people over the age of 55.
In addition, when the mother is 50 years old, we still have to consider the issue of the mother's retirement.
If the budget is sufficient, we can add an annuity insurance for the mother.
Here the dad recommends Li'an Anxiang Yisheng (Green Pine Edition) pension.
This is a product specially designed for retirees, helping retirees enjoy death protection and annuity benefits.
After the expiration of the insurance period, the mother can also get a maturity insurance payment.
For elderly mothers with pension planning needs, Li'an Anxiang Yisheng (Green Pine Edition) Pension is a good option.
05
Daddy concluded
Mom's love for her family, without reciprocating, has been silently paying for us.
Mom will accept her child's vexatious trouble, will comfort her family when she is frustrated, and will wait for you no matter how far you go.
Therefore, while we accept the love from our mothers, we should also do our best to protect our mothers and strengthen their resilience to risks.
If you read this article and it reminds you of your mother, then please give her a call and give her a health guarantee.
Mother's Day is approaching, if you plan to insure your mom but don't know how to do it.
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