Why must I buy insurance as early as possible?

Insurance, there is such a description:

Young people usually go to school when they are 20 years old, or just enter the society to work. At this time, few people may have insurance concepts. At the age of 20, it is cheap and cost-effective to buy insurance, and at this time in good health, there is little chance that insurance will be rejected.

At the age of 30, when my career is just starting, this is also the time when the burden is the heaviest. The mortgage and car loan have to be repaid, and the parents and children have to support. Maybe the salary is not enough to spend, and I can't even care about buying insurance.However, this is also the time when insurance is most needed.

At the age of 40, many people are proud of Chunfeng, their careers are at their peak, and their incomes are at the highest stage.Many people certainly look down on insurance and feel that they have money and careers and do not need insurance at all.At this time, the importance of insurance has slowly emerged.

The age of 45 to 55 is a period of high incidence of various serious illnesses. Even if there is no serious illness, many people also suffer from many minor diseases. These diseases will make many people denied insurance.At this time, it is difficult for many people to buy insurance.

At present, most of the insurance products on the market cannot be bought after the age of 60. The only ones that can be bought are accident products. However, many health, critical illness, and pension products have lost their eligibility for insurance after they are over 60.

People who have not bought insurance don't need it, but don't take it seriously. When they want to take it seriously, it's too late!In fact, since no one can escape the fate of "birth, old age, sickness and death", why not prepare for it early?Since that sum of money will be spent sooner or later, why not use a method of planning for ten and one hundred?

When an insurance company calculates the rate, one of the factors is related to age. When buying the same protection, the younger the insured age, the less the cost. The older the age, the more the cost. This kind of price The gap will be more prominent when purchasing health insurance.

According to the guarantee period, life insurance can be divided into term life insurance and whole life insurance, term critical illness insurance and whole life critical illness insurance. Life insurance products can enjoy the protection benefits once they are insured. The younger the insured age, the longer the protection period. It will be longer.Many insurances also have a dividend function, and dividends are calculated based on compound interest, so the sooner you buy the insurance, the sooner you can enjoy the dividend income. The longer the cumulative time, the more generous the income.

With the development of society and economy, prices continue to rise, and consumption levels will increase accordingly. Similarly, insurance companies cannot keep the original rate products operating in the market for a long time. In this way, insurance products continue to be updated and replaced. Products will be discontinued after a period of time, and replacement products will be launched at a slightly higher rate than before.

Usually critical illness insurance, medical insurance, etc. have underwriting problems. Young people maintain good physical functions. When purchasing health insurance, they can usually underwrite directly without other cumbersome matters such as physical examinations.Older people generally require a physical examination. If they have suffered from certain special diseases, most of them need to pay a premium to cover the insurance, and they may even be denied the insurance.

Compared with price, the biggest significance of insurance is that buying early can prevent risks earlier.No one knows when he was injured, when he fell ill, and when he left.It is impossible to know which one will come first tomorrow or the risk. A comprehensive insurance protection as early as possible will help calmly face the advent of risks.