1, returned to 800 yuan every three years, and returned 26 times at the age of 80, totaling 20,800 yuan. You can choose to put it in the insurance company to accumulate interest, and the interest is not lower than the one-year deposit interest of the bank, and it is rolling interest!

2. The insured shall compensate 30,000 yuan for his death due to illness due to accident or contract interest 1 year, and be exempted from paying unpaid premium!

3. If the insured is diagnosed as a major disease 1 2 stipulated in the contract for the first time after the contract comes into effect1year, the insurance company will compensate 30,000 yuan, and the unpaid premium will be exempted!

4. Enjoy the dividend of the insurance company, which is determined according to the insurance operation!

I suggest you buy insurance according to the following principles:

Principles for ordinary families to purchase insurance:

1. Who should I buy insurance for?

Buy it for the highest income person in the family first. Because this is the economic pillar of the family, if it is fully guaranteed, it can prevent the family from getting into trouble when the pillar of family life has an accident, and maximize the protection of the lives of other family members and the education of their children;

Families with children should buy insurance (life insurance) for adults first, and adults are the best insurance for children; If you love your child, please buy yourself an all-insurance policy and write the beneficiary on the child.

3. Buy accident, outpatient and medical insurance for children. For children, in fact, consumer insurance is the most suitable and cheap, which can provide enough protection for children. For example, buying accident insurance, medical insurance and outpatient insurance is the insurance that children need most.

2. Order of purchasing insurance

① First buy accident insurance, family critical illness insurance and hospitalization insurance;

Secondly, buy children's education insurance and adult pension insurance;

Finally, consider buying investment insurance products such as universal insurance and investment-linked insurance;

Therefore, the order of buying insurance is to protect the investment first, to protect the usual demand first, and then to plan the long-term demand.

3. How much insurance should I buy?

① Double Ten Principle: the premium should not exceed 65,438+00% of the total income, and it is appropriate for working families to be between 5% and 8%; The insured amount should reach 10 times of the annual household expenditure; Corresponding supplementary adjustments can be made according to different stages of the family;