What's the best way to buy annuity insurance?

There is actually no standard answer to the question of how to buy annuity insurance at the best value.

There is actually no standard answer to the question of how to buy annuity insurance at the best value.

After all, everyone's situation is different,

and everyone's budget and protection needs are likely to be different.

When we configure annuity insurance,

try to buy the product that suits your needs,

at the same time, we should also pay attention to some matters in the process of enrollment to avoid stepping on the pit.

So what do we need to pay attention to?

The following milkman analyze to you one by one.

First of all, we need to get the basic coverage right before configuring the annuity insurance.

Annuity insurance protection is relatively simple, generally only contains the death liability,

Like the big disease protection is generally not,

If we take out an annuity after the unfortunate suffering from a big disease, the burden of treatment costs will be heavier.

So we need to do a good job of basic protection,

According to the actual situation on the configuration of critical illness insurance, medical insurance and other types of insurance.

Secondly, we should pay attention to the budget when buying annuity insurance.

The money invested in buying an annuity insurance policy

should be the part of money that we have extra.

Some people, in order to pursue income, or better protection,

will put in extra budget premiums,

which will bring more financial pressure,

affecting our normal life.

What is the exact percentage invested?

In addition, we need to understand the terms of insurance.

Many people don't want to read the terms of the insurance policy after seeing the words written all over it.

Ignorance of the terms and conditions of the insurance policy can easily lead to disputes in subsequent claims.

For example, the exclusion clause in the insurance terms,

We need to pay extra attention to the exclusion clause which stipulates the circumstances under which the

insurance company is not liable to pay the claim.

Although the insurance terms and conditions are wordy, we need to read them patiently and understand them clearly.

Besides the above mentioned, we also have to pay attention to the health notification

Health notification in annuity insurance is usually less, but we also have to take it seriously.

The health notice may ask about various conditions,

When we do the health notice,

we must follow the principle of honesty and truthfulness, and not hide anything.

Some people may take a chance and

hide some physical abnormalities from the insurance company,

which is not desirable,

and is likely to be used by the insurance company as a reason for refusing to pay the claim in the event of a subsequent accident.

If you want to know more about health notification, the public number of milkman insurance can help you!