But I need to help you figure it out before you answer-> Never worry about critical illness medical insurance.
Worry-free hospitalization plan-medical insurance
The serious illness belongs to another additional contract.
Is your father in danger? There is an additional critical illness planning department?
Ok, I'll answer you first.
1) life dividend life insurance is whole life insurance, and the premium remains unchanged.
And the premium will be high, because there is a worry-free hospitalization plan
The premium of general medical insurance is adjusted with age.
So how much premium to pay is due to a medical plan.
2) Of course, we have the right to add or not add the contract.
3) Life dividend insurance is a plan with low savings, so the premium will be lower.
4) In terms of friendship, there is flexibility. Life can pay for medical care with dividends first, instead of waiting until the financial situation is good. Of course, dividends will be less because of it.
I hope I can help you. It will increase every year, because there is medical insurance in it, and the premium will become more and more expensive with age.
2. Yes
You don't buy life insurance to save money. If you want to save it, you must find another plan to cooperate.
4. There are other ways to reduce the contribution, or even not to contribute at all. Method A. Reduce the insured amount, and the premium will naturally decrease. Method B. You can also consider reducing the settlement and method C. Neither method B nor method C needs to be handed in.
But looking at the questions you asked, what you need most now is not the answers to these questions, but to find a trusted consultant to re-examine and evaluate the analysis.
, Reference: Finance-Freedom, 1) Yes, insurance companies do have to pay premiums.
Different insurance companies have different insurance policies.
If there is a D, it will be increased every year, and if there is a D, it will be increased every few years.
2) The additional safeguard system is optional, but you should talk to the insurance company.
3) yes.
4) Minimize the insured amount. .....
If you don't know, you can add me msn: [email protection], 1. Most medical insurance for critical illness in the market is adjusted with age, and the older you are, the more you adjust.
2. Usually additional items can be added or reduced.
3. Life insurance. The composition of savings should not be changed.
4. The insured amount can be reduced.
Discuss with the agent, hoping to help you.
[E-mail protected]
,