Of course.

Second, can college students apply for a mortgage? What should I pay attention to?

Ask the bank.

Third, how do college students buy insurance?

Recently, many fans have privately believed me backstage. What should I pay attention to when buying insurance in different occupations? Today, we will take college students as an example to see how to buy insurance. What are the problems when considering buying insurance products? See the empty content of the article, the in the mind is clear.

First, do college students have to fight and make trouble?

China Youth Network Campus News Agency conducted a questionnaire survey on 3069 college students around the topic of eating habits. The results show that nearly 100% students insist on eating breakfast every day, nearly 50% students have the habit of overeating, and nearly 80% students do not exercise after meals. Due to eating habits, nearly 40% of students suffer from gastrointestinal diseases.

For example, if you have long-term bad habits such as staying up late, smoking, drinking, and heavy work pressure, your physical function declines, and then you suffer from a serious illness, the probability of suffering from lymphoma will greatly increase.

Therefore, college students need critical illness insurance as self-prevention, so unfortunately, serious illness can also effectively pass on the economic burden.

It's not impossible to take big risks. For example, if you go out to play and play a lot of games, you may fall and get hurt. Many students may like playing basketball or football, so it is recommended to buy an accident insurance.

Second, college students!

Based on the risks that college students may face, we should buy these kinds of insurance: medical insurance for college students, critical illness insurance, millions of medical insurance, accident insurance and term life insurance. College students with personal health insurance and superior economic conditions,

1, medical insurance for college students

Medical insurance for college students is a kind of welfare, with low premium and good security. They enjoy the same standard of treatment as the residents in the place where they attend school. Moreover, they also have basic medical insurance and serious illness insurance for urban and rural residents, and people in need can also have the treatment of insurance for needy households.

2. critical illness insurance

Critical illness insurance mainly provides protection for major diseases. During the period of insurance, college students were unfortunately diagnosed with serious diseases agreed in the contract, which met the compensation limit agreed in the contract. They can get a compensation, and the expenses of illness can be treated with this money. Compensation is widely used and can be used as follow-up rehabilitation expenses.

So which kind of critical illness insurance is more suitable for college students? After the comparative evaluation of hundreds of critical illness insurance products, seniors have passed the high critical illness insurance and can insure their own products:

Updated every Monday! 18~25 years old top ten critical illness insurance stocks are worth buying! 》

3、

Millions of medical insurance can mainly reimburse the insured for reasonable and necessary medical expenses caused by illness. It can be said that millions of medical insurance is a supplement to medical insurance.

It is very worthwhile for college students to buy millions of medical insurance, and the insurance coverage can reach millions. If it is equipped with college students, the premium will be less, generally only one or two hundred yuan a year.

So what is the popular million medical insurance product on the market? Senior arranged in the following link, click to view the selected products:

Updated every Monday! /kloc-medical insurance worth buying before 0/8 ~ 25 years old! 》

4. Accident insurance

College students are full of energy and have more needs to go out, so they can also consider taking out an accident insurance. This kind of insurance products mainly protect accidental death, disability and accidental medical treatment. The general guarantee period is 1 year, and the premium is relatively affordable. A premium of several tens to one hundred yuan a year is enough, which is very cost-effective and suitable for college students.

5. Term life insurance

Most people think that term life insurance is bought by people with family responsibilities, which is not wrong.

College students basically can't afford family responsibilities. Is it necessary to buy term life insurance?

It is absolutely necessary. Although college students don't have to worry about the family economy, they actually begin to bear the responsibility of supporting their parents after their children become adults. Just because the real responsibility has not been fulfilled, it doesn't mean that they have no responsibility.

Moreover, parents scrimp and save, provide the best life for their children and bring them up. Once their children suffered misfortune and passed away, the most heartbreaking thing was that the two old people lost their dependence in the future. If college students have term life insurance, they can at least leave the death compensation paid by their parents' insurance company, so that their parents can maintain a normal life and live strong.

Therefore, college students with strong economic strength can not only pay attention to the protection of diseases and accidents, but also consider buying a term life insurance. The premium of term life insurance is more affordable than that of whole life insurance, and the corresponding premium can be borne by college students if the insurance amount is moderate.

6. Financial insurance

College students who are equipped with personal health insurance and have the concept of investment and financial management can also take out financial insurance according to their actual situation to prepare the foundation for their social life in advance.

Compared with other financial management methods, taking out financial insurance is a financial management method with low risk and stable income, which can effectively ensure the preservation and appreciation of funds.

Third, the insurance assessment suitable for college students!

Then the senior sister will introduce some hot critical illness insurance products on the market, such as Versailles plus, Super Mary 6, Darwin 6 and so on. These are hot-selling adult critical illness insurance, which not only provides particularly good basic protection, but also provides additional protection responsibilities, such as multiple compensation for malignant tumors. These products are available.

We should know that the incidence of most cancers is not limited to age, so young people in their twenties may also get cancer. Moreover, the probability of cancer recurrence is very high, and 90% of cancer patients will have a second recurrence within five years after operation. Therefore, those critical illness insurance that can provide multiple compensation for malignant tumors can directly give us more comprehensive protection.

If you have completed all the basic guarantees and have excellent economic conditions, then you can consider configuring financial insurance. Many college students have not developed a complete and stable concept of consumption, and their self-control ability is really poor. Choosing to buy financial insurance can force the insured to save, and prevent college students from being induced by media propaganda or blindly spending under the influence of classmates around them, thus leading to impulsive consumption.

For example, in whole life insurance, there will be corresponding income calculation behind each product. The life span of the insured is as long as the guaranteed time, and the value of this insurance is also rising. Take whole life insurance as an example. As far as happiness is concerned, its overall income is very good. After insurance, you can get money through insurance deduction (if the product supports insurance deduction) and policy loan, and you don't have to die or be disabled to get money.

Fourth, college students buy insurance tips!

There are tips for buying insurance, including the following aspects:

1, insurance company

If you pay attention to the brand when buying insurance, you can choose the products of big brand companies, but it should be noted that in order to ensure that we can buy more suitable insurance products, we can study the products of large and small companies. If you want to determine whether the insurance company is credible, you can analyze it from the aspects of its strength, solvency, claim limit and service level.

2. Guarantee content

Buying insurance must follow the principle of "guarantee first, then manage money". No matter what kind of insurance you buy, you must find out whether the insurance is in place in terms of insurance rules, protection contents, claims conditions and exemption clauses. After all, it will affect the later claims.

3. Health notice

General critical illness insurance and medical insurance require the insured to be in good health. At least, how to fill in the health notification form should be thought out before insurance.

You can't fill in the health notice casually, you must answer truthfully.

If you listen to some agents or insurance salesmen and do it casually, it may lead the insurance company to find that the applicant's situation is different from the actual situation, which may be easily removed from the claim list by the insurance company. In serious cases, it may be characterized as fraudulent insurance by the insurance company.

4. Insurance amount

You must buy enough insurance. However, the more insurance coverage, the more expensive the corresponding premium, so the insurance coverage should not be too high. Excessive insurance coverage and corresponding excessive premium will cause the economic burden of the insured. For example, the coverage of insurance must be considered in combination with family income and debt.

5. Where can college students buy insurance?

So where is the platform for college students to configure insurance?

The first type, offline insurance, can find the physical business outlets of insurance companies in the region or go to the bank to buy insurance.

For example, Ping An Insurance has service outlets all over the country, and there are more than one million offline insurance agents. It is easy to buy its products offline.

And a channel for insurance sales-bank insurance, buying insurance in banks and signing contracts with insurance companies;

Also, you can find an insurance agent to buy insurance.

The second kind of online insurance is more convenient for college students. We can insure in the insurance mall, official website, APP and other places of the insurance company. Or in Alipay's ant insurance, WeChat's micro-insurance, or in other third-party insurance malls and insurance companies' platforms, these online channels can be insured by themselves, and subsequent claims can be settled online.

Six, a family, how to buy insurance?

If the family living standard is relatively high, in addition to considering buying insurance products for college students, they will also buy insurance protection for their parents and other family members.

First of all, parents of college students need to be considered. After all, they play the role of economic pillar at home, so they have to bear all kinds of economic responsibilities of the family, such as raising children, supporting the elderly, paying off mortgages, car loans and other debts. The economic pressure can be said to be quite heavy, but they also have to face the risks of death, illness and accidents. The most important thing is to buy critical illness insurance, medical insurance, accident insurance and life insurance to transfer the economic risks that may be brought by various threats.

If you have children to take care of at home, you can consider buying children's critical illness insurance, medical insurance and accident insurance, focusing on transferring the economic risks brought by diseases and accidental injuries;

For the elderly, you can choose to buy critical illness insurance, medical insurance and accident insurance. If you are too old and have physical problems, you can't buy critical illness insurance and medical insurance. It is advisable to start with cancer insurance or cancer medical insurance, which can transfer the relatively high risk of cancer diseases in the elderly.

The types of insurance to be configured at different ages will be different. You must make a reasonable combination of your personal safety needs and family situation. Click on the link below, and senior sister will teach you how to buy insurance for your family in more detail to improve your protection!

"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 years of experience in configuring insurance for 10W family.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!

Fourth, do you have to pay off the student loan before you can get a mortgage?

Nowadays, many college students with poor family conditions can't even read books. In order to have a better life in the future, they will choose to apply for student loans to pay their tuition fees, but generally speaking, the repayment time of student loans is also longer. Do they have to pay off the student loan before applying for a mortgage?

1. If you don't need to pay off the student loan immediately before applying for a mortgage loan, you just need to be able to repay it.

2. Most loans are not in conflict, as long as there is no serious overdue in your repayment record, you can handle it. The key depends on your salary, because the bank will give you a loan and will consider your repayment ability.

3. If the student loan is not repaid or overdue in the repayment process, that person's credit status will definitely be affected, and it may even be listed as a black account by the bank. In this case, the application for housing loans will definitely be affected, because personal credit is tainted. Loans are still difficult.

4. The national student loan is a bank loan led by the government, with financial subsidies, joint compensation from finance and universities, and joint operation of banks, education administrative departments and universities to help poor students in colleges and universities. Borrowing students do not need to apply for loan guarantee or mortgage, but they need to promise to repay on time and bear relevant legal responsibilities.

5. Many college students have no sense of credit. After graduating from college, the failure to repay student loans for various reasons leads to the deterioration of personal credit status, which hinders them from handling loans and credit cards in their future work and life. Nowadays, college students' loan officers must communicate with the bank in time, repay on time, and don't have personal credit regrets because they don't know.

If your previous loan is not overdue and you maintain a good reputation, you can also apply for a mortgage loan. But before applying for a loan, you must ensure that you have a certain repayment ability to avoid unnecessary influence on your life.