Nowadays, women have become the main consumer groups in today's society, and the promotional activities for women in major shopping malls are also colorful. However, in the face of the impact of the financial crisis, many female friends who used to spend a lot of money and had piles of credit cards and discount cards in their bags chose to cover their pockets and consider how to make financial management and security plans for themselves. In today's fast-paced social life, under the complicated and changeable economic environment, many women begin to choose another way to treat themselves and buy a suitable insurance for themselves.

First of all, whether they have just graduated from college or have a successful career, are married and have a small family or are still enjoying the life of a single aristocrat, women need to have healthy body and economic independence in order to cope with the unknown challenges of life and achieve their goals in life. In addition to paying more attention to health care, women usually ignore their own pension problems. Especially after having children, women's family responsibilities are getting heavier and heavier, and they should start planning their own pension funds. With the change of population development trend in China, there will be more and more empty nesters. According to statistics, the average life expectancy of women in China is generally 5 to 8 years longer than that of men, and women retire 5 years earlier than men. From the perspective of old-age care, the longer the life cycle, the greater the risk of women in old-age care and medical care.

Nowadays, women can be economically independent and have high spending power, and buy an old-age security for themselves in a relatively affluent period. You can get security and save your savings. In addition, if you invest a small amount of premium every month, you can form the habit of compulsory savings for yourself at the stage of abundant funds.

As the "first insurance company to eat crabs" in China, Hong Zhong has always been highly targeted in the research and development of women's products. Tailored for modern women, Hong Zhong Women's Dividend Full Life Insurance Series adds some unique and special protection for women, while removing some insurance functions that are not suitable for women, making the protection and premium more thoughtful and reasonable.

Zhonghong China life

Hong Zhong Life Insurance Co., Ltd. is the first Sino-foreign joint venture life insurance company in China, which is jointly funded by Canadian Manulife Life Insurance Co., Ltd. and China Foreign Economic and Trade Trust and Investment Company. Hong Zhong has been adhering to the international experience of Manulife Insurance in Canada 100, and providing guarantee services for the whole world. The company was formally established in Shanghai on June 26th, 1996, 165438, and Xiamen branch was established on May 20th1,1.

Product recommendation

Colorful life, colorful life

Hong Zhong's unique female products "Colorful Life" and "Colorful Life" cover pregnancy diseases and neonatal congenital diseases. It is an ideal health protection and financial management tool for modern women.

Baby plan

The "baby plan" is the most suitable insurance for mothers to give their children. It integrates children's medical security, education fund, pension and due income, and can be guaranteed at every stage of their lives.

Feng Yunian

On the basis of comprehensive health security, women can consider old-age security according to their own situation. Hong Zhong's "bumper year" has the characteristics of monthly payment, guaranteed payment and increased death protection, which is suitable for ensuring adequate married women.

Assistant General Manager of Zhang Zhe Ronglongjun Life Business Development Department

Long Jun China life insurance company

Take care of yourself and protect your family.

Modern women, especially professional women, often have several jobs in society. They should not only do a good job, but also take care of their families. Like men, they are the main economic or spiritual pillars of family life. Therefore, it is necessary for women to buy insurance for themselves as soon as possible, just like men who are the backbone of the family. Among them, a comprehensive and healthy protection plan is the most important.

The accelerated pace of life in modern society, the increase of work pressure and the pollution of living environment have increasingly become people's health killers. However, due to physiological and physical reasons, women are more likely to face some unique diseases than other family members, and the incidence of illness is higher than that of men, and the average medical expenses are higher than that of men. Moreover, the incidence of many major gynecological diseases, such as breast cancer, is also on the rise.

The medical expenses for common diseases are affordable. Once a major disease occurs, the cost of treatment ranges from tens of thousands to hundreds of thousands, which is equivalent to several times to dozens of times the annual family income. In addition to direct treatment costs, it will also lead to huge expenses such as nursing costs, nutrition costs, recovery costs, follow-up treatment costs, and long-term income loss, which will be unimaginable disasters for yourself and your family. For such a catastrophe, transferring risks is the best way to deal with it. With the development of medicine, more and more serious diseases will be better treated, and the key lies in whether there is enough treatment funds. At this time, an insurance may become an important tool to stabilize the family. For women, adequate protection is the responsibility to reassure themselves and their families.

In accident insurance and medical insurance, Long Jun Life has been favored by customers for its unique product advantages. For example, Long Jun's series of critical illness insurance products, covering up to 43 major diseases, have been popular in the market.

expert opinion/advice

How to set the guarantee amount?

The amount of protection you choose when you apply for insurance depends on the needs of yourself and your family. Rational and intelligent women don't want to cause too much loss and influence to their families' lives under unfortunate circumstances. You can see how much financial security you can provide for this family every year besides your personal expenses, and consider how many years you need to provide for this family in case of misfortune. Multiply the two to get the insurance amount. It is suggested that the premium ratio should be about 15%~20% of personal annual income.

Product recommendation

"Health ABC" comprehensive protection plan

High-cost insurance programs provide comprehensive health care insurance programs, covering 45 major diseases. The maximum daily compensation for hospitalization can reach 150 yuan, and the maximum guarantee for serious illness can reach 150 yuan. People between the ages of 3 and 55 can be insured, and the complete trinity protection of serious illness+medical care+death will make you feel at ease all your life.

Flexible choice of comprehensive care for three projects, flexible choice of payment period and guarantee amount, or any project of Agricultural Bank of China as needed to form a comprehensive guarantee plan.

Expired Birthday * * * If your first policy anniversary still exists at 0: 00 after you reach the age of 106, you will pay the "birthday insurance money" to the beneficiary of the birthday insurance money according to the basic insurance amount in the master agreement, and your care will last for a long time.

Extra dividends add more surprises. Participate in the profit distribution of the company's annual dividend insurance business and enjoy the company's operating results.

Fu Gui 106

It has the characteristics of diversified payment, long-term income, one-year return, interest retention and dividend increase, which strengthens the demand of middle-aged women to accumulate pension funds.

Manager of Training Department of Xiamen Branch of Yuan Jinqun Taikang Life Insurance Co., Ltd.

Taikang life insurance co., ltd.

Women's insurance should choose the right time.

Women have to go through many different stages in their lives, and each stage has different roles and responsibilities, so the focus of protection should be different. It is best for women to have a clear grasp of their current family responsibilities and economic situation before taking out insurance, and choose insurance products in time for different life stages to protect their own interests to the maximum extent.

Generally speaking, single women in their twenties to thirties are struggling in their personal career and their income is temporarily unstable. At this stage, we should take protecting ourselves as the premise, and some consumer insurance with high premium and minimum living allowance is the most suitable choice.

Married women usually have a stable income and have begun to make long-term plans for their lives. At this time, combined with the economic situation of the other half, we can comprehensively consider the customized protection plan from three aspects: our own health, children's education and retirement. Medical, accident and other security products should be given priority; Secondly, children's education fund reserves and pension considerations should also be planned at this time.

Generally speaking, we suggest that the premiums of married women should be planned with the whole family. If the insurance products selected by the family have covered the medical insurance that the whole family can enjoy, the focus of insurance can be appropriately changed. Taikang Life Insurance's unique "Love Home Agreement" family security plan can meet everyone's family security needs. The "Love Home Agreement" breaks through the traditional life insurance system with "individual" as the insured unit, and all family members can become the insured, which not only meets the protection needs of the whole family, but also greatly simplifies the insurance procedures and facilitates the later management of the policy. The insured can also flexibly adjust their own protection plan with the changes in family security needs.

expert opinion/advice

How do women choose insurance reasonably?

First of all, we should consider the protection purpose of our own products. At present, many women often pay dividends for their income when purchasing insurance products. But as far as insurance is concerned, we believe that protection is still fundamental. When buying, everyone should give priority to meeting their own security needs and then seek benefits on this basis. Under the principle of paying attention to safety, we make different risk considerations to buy products according to different ages and situations. For the average woman, she will go through several important life stages of "getting married and having children, and retiring steadily", and the emphasis of protection in different stages should be different.

Product recommendation

"Lucky Companion" Term Life Insurance

Low premium investment, high value guarantee, flexible to meet the various security needs of young women.

It integrates serious illness, old-age care and death protection, covering 32 major diseases, up to 80 years old, meeting the health protection needs of middle-aged women.

"Smart Baby" Life Insurance (Dividend Type)

The highest income of the survival fund is 290%, and the dividends are distributed for life, which not only increases the profit opportunities, but also helps the mother to make reasonable financial planning and reserve the education fund in advance.

"Wealth Winner" Insurance Plan

As a product plan, "Wealth Winner" combines dividend insurance and universal insurance to achieve a balance of safety, liquidity and profitability, and is an ideal solution for women's family financial management.