What kind of insurance do you usually buy?

When many friends talk about insurance, their first reaction is "two risks", which can protect both life and death. This kind of product has been deeply loved by many consumers.

Next, Senior Sister has to talk to all your friends about what "Two-Insurance" is, and then tell you in detail what pits are hidden in "Two-Insurance".

Before speaking, some partners don't know much about insurance, so let's take a look at the relevant insurance knowledge points under popular science:

"Super Complete! Everything you want to know about insurance is here.

What is the first and second insurance?

Both life and death insurance can be called "mixed insurance" or "savings insurance", and both are also called life and death insurance, which means death insurance plus survival insurance.

If the insured dies within the insurance period, what he can get is death protection; If the insured does not die during the insurance period and the insured lives until the expiration, then the survival insurance money can be obtained.

Most insurance companies in the market will not sell two-insurance policies separately, and most of them are closely related to life insurance.

this form of main insurance plus additional insurance is the main form of two-insurance in the market today, that is, personal insurance plus two-insurance

There is no need to explain too much about "two-insurance", which can protect both life and death. Personal insurance is generally critical illness insurance, life insurance, accident insurance and cancer prevention insurance.

As a two-insurance policy, its main function is to return the expired survival fund. In most cases, the amount returned is within the range of %-15% of the premium. In terms of protection function, personal insurance plays a greater role.

Generally speaking, two-all-insurance means that you will pay back the money as soon as something goes wrong, and the premium will be returned to you when the insurance expires.

This is also the motivation of "two-insurance". In fact, it is to grasp the psychology that many people are worried that the premium will be wasted.

From this point of view, the two-insurance seems to be very intimate. If you get out of danger, you can lose money, but if you don't get out of danger, you can return the money. Do you think you won't lose money if you buy it?

Is the pie in the sky dropped casually? Insurance companies can't be so good. Since the two-insurance policy has been introduced, it is a means to make a profit.

According to the actual situation, the two-insurance policy is really not perfect. If in doubt, let's take a look at the following contents.

If you're in a hurry, it's obvious that it's good to keep this key evaluation report:

"What the salesman won't tell you about the two insurance policies!

What pits are worth paying attention to?

To buy two-insurance policies, we must first understand these shortcomings of two-insurance policies:

1. Although a large number of insurances on the market now belong to two-insurance policies, their coverage content and strength are not as good as those of pure-insurance products.

The price of two-insurance policies is relatively expensive, and the product price is relatively high.

Imagine that if you suffer from a serious illness during the insurance period, and the coverage of the two insurances is 2,, the cost of treating the serious illness is simply not enough, and the cost of later rehabilitation is more than it, so it is meaningless to buy this insurance.

In this case, the defect of "Two All Risks" is completely exposed, that is, the personal protection is not thorough.

People whose main needs are personal protection or critical illness protection can consider buying a pure critical illness insurance, which is more practical than two-insurance policies.

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2. It is difficult to get cash back

Some people choose to buy a combination of two full insurance and personal insurance for more protection, which costs a higher price. They should be able to get two guarantees, but in fact they can only get one insurance payment.

If something goes wrong, then the two-insurance contract will be over. The money you used to cash back directly disappeared.

That is to say, what you can enjoy if you spend two cents is a guarantee. Isn't this bullying?

3. The price/performance ratio is not high

If the insurance period has just arrived at this time, you can directly receive the survival insurance money. In short, you can return the premium you have already paid. This kind of thing does not cost a penny, and the insurance company has successfully made the insured feel that he has not lost even though he has suffered a big loss.

The insurance company will use this money to buy profitable products, and it has already earned a lot of money. After the expiration, it will return the principal to you, and this money has already depreciated because of inflation.

Isn't it nice to take this spare money to buy personal insurance? There is still some money left, which can be used to buy other wealth management products. The premium returned by buying two full insurance policies is not as good as the income obtained in this way.

Conclusion: There are many problems with two-insurance policy. If you want to buy a partner with two-insurance policy, you should pay attention to these hidden mysteries.

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I'm top student, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to top student, WeChat official account and ask me about insurance consultation.

I will give you the most professional advice based on years of experience in configuring insurance for 1W+ families.

WeChat official account: top student said that insurance costs less, so buy the right insurance!