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When many friends contact insurance agents, some agents often persuade the purchaser to buy insurance before the age of 40.But some friends always don't understand. They always think that they are just about 40 years old, they are middle-aged and strong, why do they have to buy insurance?
1
Average age of claims for major illnesses
The average age of claims for major illnesses in the insurance industry is 42 years old, which is the peak period of income and career, and it is also a period of high pressure in which there are old people and old people down.
2
High incidence of major diseases
根據《2013年腫瘤登記年報》，惡性腫瘤的發病率在0到39歲組處於較低水平，40歲以後開始快速升高。上圖為廣州癌症發病率數據，40歲是20歲的7.45倍。
3
Critical illness premiums are expensive
Taking a company’s lifelong critical illness insurance with an insured amount of 10 yuan for 20 years as an example, the premium for a 40-year-old is nearly twice that of a 20-year-old.
4
Longer insurance period
Take the long-lived centenarian as an example. If you are insured at the age of 20, you can enjoy an 80-year coverage period, while those at the age of 40 can only enjoy a 60-year coverage period.Of course, if you want to live healthy and lively all the time, we will stay with you all the time.
5
Payment period
For the payment period, insurance companies usually have a requirement such as "insurance age + payment period ≤ 60 years old/65 years old".Therefore, if you apply for insurance after the age of 40, you are likely to be faced with the choice of having to pay 15 years or less for the payment period. In this way, it means that your premium payment per instalment will increase and the pressure will increase.
6
Family influence
At the age of 20, there is no need to come and go freely. In case something really happens, maybe the parents are still young and in good health, and they can continue to support each other.But you, 40 years old?Once it falls, it means the collapse of several families.Please let us stretch out our hands for you when we need it.Of course, the premise is, please open up and accept.
Of course, insurance does not mean that you can buy it when you are around 40 years old, but the earlier you buy the better, for the following reasons:
Image source: Internet
01
Age-related: low premiums
One of the factors in the calculation of insurance premium rates is related to age. When purchasing the same insurance, the younger the insured age is, the less cost is required. The older the age, the more cost is required.
02
Time-related: long guarantee period
Nowadays, many life insurances are long-term or even lifelong protection. Once they are insured, they can enjoy the protection benefits. The younger the insured, the longer the protection period. And many life insurances have the function of dividends, and dividends are based on compound interest. Calculated, so the earlier you apply for insurance, the sooner you can enjoy the dividend income, and the longer the accumulated time, the more profitable the income will be.
03
Related to inflation: reducing the cost of inflation
With the development of society and economy, the price of goods continues to rise, and the level of consumption will also increase accordingly. Similarly, insurance companies cannot keep the original rate products in the market for a long time, so that insurance products are constantly updated. This product will be discontinued after a period of time, and replacement products will be launched at a slightly higher rate than before.
04
Related to underwriting: don't let insurance pick you up
Most young people are relatively healthy and do not need a physical examination for a certain amount of insurance. Even a physical examination can easily pass underwriting.Older people generally require a physical examination.And if there are some problems with the body, it is very likely that you will be asked to increase the cost of insurance, and you may even be denied the insurance.
05
Related to risk: Who will come first to risk tomorrow?
Everyone knows when he will come, but no one knows when he is injured and when he leaves.Because risks are everywhere.Tomorrow or risk will come first, we simply cannot grasp, so early preparation will help us to calmly face the advent of risks.
Image source: Internet
In fact, you may find that two things will happen if you don’t buy insurance in your life:
1. Lucky and healthy life, but the money was spent unknowingly and didn't keep it.
2. If you accidentally get an accident or get sick, you pay out of your own pocket, spend your hard-earned money, or even spend your life savings, you have to ask grandpa to sue grandma for high debts!
And two things must happen if you buy insurance
1. No illnesses and disasters throughout the life, as savings, not only the money is retained, but also the value is preserved and increased.
2. If you get a compensation for an accident or illness, you will be compensated. If you are ill, you will have money to treat it, if you have an accident, you will have money to pay for it, you will have money to support you when you are old, and you will have money to stay when you leave!
So, if you can afford the worst results, you don’t need to buy insurance.If you are confident about the risks in your life, you do not need to buy insurance.And if you have no control over the future and want to live a more secure life for yourself and your family, then I suggest you buy an insurance.
