|
|||||||||||||||
|
||||||||||||||||||
Data:2009-12-12 2:34
Age, the insured, it seems is not worth mentioning a small problem. However, in Nanjing, Mr. Geng two days late because of insurance, but many are over a hundred dollars to the insurance premium. Industry insiders said that the insured needs to look at age, to act, the earlier purchase, the lower the premium.
Mr. Geng told reporters two days ago to a life insurance company life insurance of a Dividend was told just before August 20, he finished 22-year-old birthday, birthday the day before if the insured can save a hundred dollars of the premiums. This reporter has learned, buy insurance, there is a potential rule: the earlier the purchase, the lower the premium to protect the higher the smaller the possibility of exclusions. The responsible person of a life insurance company, such as Mr. Geng between 20 to 25-year-old age group who had just entered the community, have limited income, the face of many variables, there were no adequate social security, insurance is necessary, but also pay special attention to the impact of age factors on the premiums, because no reason to miss the best time to pay an extra hundred dollars or insurance premiums, it is worth.
The source stressed that there are many young people think that they have just entered the community, income is low, you can wait until the money when the re-insurance. In fact, that's wrong. People are at different periods of life, personal age, working hours, family structure, different levels of income, the required insurance is different. As a result, not only delayed access to insurance, the premiums correspondingly increase with age, but also to bring certain insured economic losses. For example, he said, two days late this time, Mr. Geng overpayment over a hundred dollars, if he is to wait until 30 years old to purchase this insurance would have to pay more more than 1500 yuan. "For the old-age insurance, 50-year-old is the price of a watershed." Insurance, a financial expert pointed out that people over 50 years of age to purchase critical-illness insurance, payment period is usually only choose five years or a one-time paid and paid a premium can be almost the insurance amount is equal, the premium would essentially close to the "cost", so the best before the age of 50 will be all the medical insurance Maiqi. While people over 50 years of age to purchase a major disease categories of insurance should pay special attention to the question period, the best way to adopt paid in installments. If the one-time payment of all premiums, not as good as his ready money to meet future medical expenses.
Industry sources said the purchase of insurance, insurance not only look at its own support functions, "small accounts" have to plan carefully for their own savings amount spent for each expenditure.
