Suggestion:
1. comprehensive accident and medical insurance plan. Solve the problem that accidents and hospitalization social security cannot be fully reimbursed.
2. Term life insurance. When we come into this world, we can enjoy everything in life, which comes from our parents. If we need to leave one day, please try to leave something for them.
3. A regular critical illness insurance. Being sick is not terrible. What is terrible is the astronomical medical expenses. No matter how rich people are, they are not willing to invest their hard-earned hard-earned money in such a bottomless pit.
Note: All the above three insurances are for consumers. You may ask why you chose this for the following reasons:
First, your insurance liability is not heavy at present. Single and parents don't need care. Simple consumer insurance has low investment and high protection, so it is easy for you to know what insurance to buy and what to protect.
Second, in the near future, you may face problems such as buying a house, getting married and having children, and you need to spend a lot of money. In the future, with more responsibilities and more experience, it is not too late to consider insurance for the family in an all-round way.
Third, don't spend too much energy on choosing companies and products, just find a more honest and professional agent. Consumer insurance even if the insurance company goes bankrupt, there will be no loss in protecting interests. And every company has similar products. Simple things are often the most practical.
In short, insurance does not necessarily need to be done in one step, and the risks faced by people in different periods are different. You have done a good job in the above three packages, which is enough to cope with the risks you may encounter at present. Other protection will be considered after a period of time when the demand for insurance is higher and the responsibility is heavier.
Personal opinion, for reference. I am the agent of AIA Beijing.
Supplement:
I feel dizzy. Just after answering the question, you added so much later.
You have also invested in other fields, although I don't know how much. Then let me talk about the investment ratio of insurance, which is usually 10%- 15% of the income, with a maximum of 20%. Too little may not be enough protection, and too much may be a burden.
If you don't invest much money in other areas, you can consider dividends and universal insurance. Investment-linked insurance is not very recommended, and it takes a lot of effort to operate the account, which may lead to total loss.
Choosing profitable insurance needs to consider the operating conditions of some insurance companies, and the benefits of good management are higher. But these are not only based on the past business history, but also cannot be guaranteed. The most conservative estimate of the rate of return is compound interest of 2% per year, and the major insurance companies can reach about 4% under normal economic conditions.
note:
I repeat, please don't pay too much attention to insurance products at present. Insurance products can only be listed and sold after being audited by the CIRC, and the patent of insurance products is only 3 months. Basically, any insurance company can find similar products. For the current domestic market, the rate is mainly reflected in the different coverage and emphasis. To put it bluntly, the more money you pay, the higher the guaranteed income.
What you need to do now is to find a professional and honest agent and learn more about insurance through exchanges. The people who know you best are yourself and your family. The products we recommend to you may not be suitable for you. If you know insurance, you can definitely work out the plan that suits you best. So, you'd better know what you need first, and then look for a product that suits you.
All right, let's not talk so much. Besides, not only you, but also I'm going to feel dizzy.