保险怎么买？保险买哪个好？看完此文保你100%买保险不踩坑

文章来源：网络发布时间：2020-09-13 阅读：()

保险可以分为社会保险和商业保险。社会保险就是我们常说的社保，社保报销有各种局限，报销金额也不够大，这个时候就需要购买商业保险作为补充。

今天，牛犇财经主要来说说商业保…

保险可以分为社会保险和商业保险。社会保险就是我们常说的社保，社保报销有各种局限，报销金额也不够大，这个时候就需要购买商业保险作为补充。

今天，牛犇财经主要来说说商业保险，针对什么是保险、保险分为哪些、怎么买不会踩坑、哪些保险比较好等等问题来做一个统一回答，文章主要内容包括以下几个方面：

什么是保险，保险分类

买保险，这些问题一定要避开

一份绝对省钱的保险方案

牛犇财经总结

什么是保险，保险分类

保险分为社保和商保。它们之间区别很大：

社保是国家的一项福利，大病小病门诊等都可以报销，价格很便宜，一年几百块。

但它有局限性，生病最高可以报销的费用不超过25万，而且很多进口药或者进口医疗设备，社保都不报销！

商业保险其实就是钱。

它跟社保不一样，社保是报销型的：你先治疗，我再看着情况报销。

而商业保险一般是现金赔付。

你发生了特定情况，我就按约定给你一笔钱，这笔钱你拿去治病也好，挥霍也好，10万也好，100万也好，都跟保险公司没关系。

所以买保险，相当于提前买了一笔“救命钱”放在那里，就等“钥匙”提取。责任事故发生了，“钥匙”有了，这笔钱就能拿出来了。

不过想要买保险，要必须先搞明白保险包括哪些，不同种类的保险有什么作用，适合哪些人群购买，牛犇财经做了如下一个表格：

通过以上表格不难发现，不同年龄段可以购买的保险是不同的，但基本上都是重疾、意外、医疗、寿险这四类。

买保险，这些问题一定要避开

1、只买线下保险，多花10万冤枉钱

（1）随着保险代理人规模的迅速扩大，进入门槛越来越低，代理人良莠不齐，且流动性高；面对面交流的过程中缺少监督，代理人容易为了出单而误导消费者的情况，后续出现理赔纠纷的时候，原来的代理人可能因为离职等原因找不到人了。

（2）供选择的产品有限，线下代理人只能销售自家公司的产品，即使别家有更好的产品，他们也无法推荐给消费者。

（3）线下保险的价格普遍要贵30%以上，很多甚至贵1-2倍。这样一算，随便一个长期保险，一年多交几千块，累计交20年就是10来万冤枉钱！

2、买了百万医疗险，就不用买重疾险了

很多人觉得，生了重大疾病，最要命的风险就是治疗费用，一般要好几万甚至几十万。既然我能用几百块钱的百万医疗险解决治疗费用，我为啥要花几千块钱去买重疾险呢？

我从两个方面给大家解释下重疾险并不能被百万医疗险完全替代的原因。

原因1：百万医疗险只能报销你在医院治疗的费用的，但是离开医院后的费用，例如在家调养、误工收入中断等损失就无法弥补了。

因此，重疾险的作用不只限于保障治疗费用，它和百万医疗险应该是互相补充而不是互相代替的关系。想想看，你用百万医疗险全部解决了医院内的治疗费用，带着重疾险的赔付回家慢慢安心调养，不是美滋滋吗？有时在康复情况比较快比较好的情况下，甚至可能靠一次疾病多留下一部分钱自由支配，毕竟重疾险的给付制并不管你实际需要花费多少钱。

原因2：百万医疗险虽好，但它目前基本上都是一年期产品，需要每年续保。理论上保险公司可以随时停售，一旦停售，下一年就不能买了。医疗险投保是有比较严格的健康限制的。如果在年轻的时候，身体状况还好，一款医疗险停售你可以相对轻松地买到另一款。但如果在你年龄较大时停售，你的身体条件可能已经无法成功投保一款新产品，如果你没有保障期较长的重疾险，你就失去了保障。

从这个角度来看，如果预算够，为了确保自己在年龄很大时也一定能有保障，一款终身重疾险还是很有必要的。

3、买了意外险，就不用买定期寿险了

有些人的确有这样的想法，觉得自己如果在年轻力盛时不幸身故，只可能是类似被车撞了这样的意外。

这样的想法未免过于狭隘，要知道现在的疾病年轻化趋势越来越明显。并且，一些我们通常认为的“意外”，其实意外险都不赔，比如猝死（现在部分意外险可以保猝死，但还没成为产品设计标配）、中暑、个人食物中毒等，而这些情况，重疾险也是无法保障的。这类情况的不幸身故，只能靠寿险保障。

寿险能保障的身故，意外险不一定能保障；意外险能保障的身故，寿险一定能保障。

身故赔付是给付制，因此如果两种都买，意外身故的话也是能获得两份赔付的。

4、终身寿险必赔，所以寿险要买终身的

终身寿险必赔这话没错，毕竟没有人是长生不老的。但也因为如此，终身寿险的保费那是比较吓人的。

30岁男性，买100万的保额，20年交费。

如果买保障至60岁的定期寿险，一年保费基本2000元不到。

如果买终身寿险，一年保费基本要好几万。

我们不能够忘记，保险的本质是规避风险，因此正确的思路是用尽可能少的钱撬动万一风险降临时尽可能高的保额。

为什么寿险用保障到60、70岁的定期寿险就行了？定期寿险是为了保障青年期或壮年期赚钱能力强的时候，万一不幸身故，老人无人赡养，配偶一人难以承担房贷车贷以及孩子的教育抚养费用压力。当我们也已经年逾花甲古稀，上面的风险已经不再存在，也就没有保障的必要了。

在预算充足的情况下，牛犇财经认为应该把重疾险、医疗险、意外险、定期寿险这四大金刚都配齐，以形成全方位保障。

如果预算有限，无法一次性配齐，一般可以按照以下顺序先后配置：

意外险 > 医疗险 > 重疾险 > 定期寿险

也可以通过调整重疾险和定期寿险的保障期限来压缩保费，但请大家注意，不可盲目为了压缩保费而把保额过分降低，否则是覆盖不了风险面的。保额具体多少，还是要结合所在城市和个人收入来看。

一份绝对省钱的保险方案

重疾险：横琴人寿无忧人生2020

无忧套餐的重疾险配置的是一款单次赔付的产品，在60岁之前，可以达到160%的基本保额。已经是牛犇财经记忆当中最高的赔付比例了。

附加癌症二次与心血管二次，可谓重疾保障全覆盖。

定期寿险：国富人寿定海柱1号定寿

无忧人生有身故保额，但如果重疾赔付以后，身故保额就没有了。所以配置一份定期寿险还是非常有必要，特别是有房贷、有孩子抚养的家庭经济收入支柱。我们可以利用定期寿险的高杠杆，提升在关键时期的身故保额。

国富人寿的定海柱1号，已经是目前市场价格最有优势的定期寿险。

百万医疗：众安保险尊享e生2020

一旦生病住院，你就会发现百万医疗险有多香了。熟悉牛犇财经的粉丝都会知道，尊享e生是我一直非常推荐的一款百万医疗险。

买他！就对了！

意外险：大地保险大保镖综合版

意外险我推荐一年期的产品，为什么？杠杆高，低保费能换来很高的保额。产品众多，没有等待期，没有等待期，就算停售，我也可以轻松找到替代产品。不会使保障有缺口。

大地保险的大保镖综合版是款性价比很突出的意外险除了基本的意外身故/伤残和意外医疗外，最近流行的猝死也配上了。此外还有交通意外和航空意外，这是额外赔付的保额，对于大部分的粉丝来讲，有了这个也不需要另外买交通意外险了。意外住院津贴，几年前在意外险中会经常看到，最近比较少见了。牛犇财经认为只要价格合理，我觉得也不错。每天150元，可以给自己加个餐。

牛犇财经总结

了解保险特性，挑一款好的产品更为关键，不同的产品特性不一样，大家应该各取所需，投保一款最适合自身状况的产品。

投保保险产品不能过于想当然，想当然投保发生理赔纠纷的案例已经屡见不鲜。在各个细节，需要专业人士结合业内实际状况给你专业的建议，挑选一款真正适合你的产品。

如果你想要为自己或家人买一份保障或是定制全面的保障方案，牛犇财经和我们的团队在这里等你，为你提供中立、专业、靠谱的服务。

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class=\"entry-meta\">\n <span class=\"entry-author\">文章来源：网络</span>\n <span class=\"entry-date\">发布时间：2020-09-13</span>\n <span class=\"entry-views\">阅读：<span class=\"view-count\">()</span></span>\n </div>\n </header>\n <div class=\"single-excerpt\">\n <p>保险可以分为社会保险和商业保险。社会保险就是我们常说的社保，社保报销有各种局限，报销金额也不够大，这个时候就需要购买商业保险作为补充。<br>\n<br>\n 今天，牛犇财经主要来说说商业保…</p>\n </div>\n <div class=\"entry-content\"><section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px; font-size: 15px; color: rgb(0, 0, 0);\">保险可以分为社会保险和商业保险。社会保险就是我们常说的社保，社保报销有各种局限，报销金额也不够大，这个时候就需要购买商业保险作为补充。<br><br><img alt=\"\" src=\"https://www.chiefrich.com/d/file/p/53d7d7fdce6a3968c658c31babff2edc.jpg\" style=\"width: 700px; height: 420px;\"></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">今天，牛犇财经主要来说说商业保险，针对什么是保险、保险分为哪些、怎么买不会踩坑、哪些保险比较好等等问题来做一个统一回答，文章主要内容包括以下几个方面：</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">什么是保险，保险分类</span></strong></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">买保险，这些问题一定要避开</span></strong></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">一份绝对省钱的保险方案</span></strong></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">牛犇财经总结</span></strong></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em; text-align: center;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0); background-color: rgb(255, 104, 39); letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\"> 什么是保险，保险分类</strong></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">保险分为</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">社保</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">和</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">商保。</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">它们之间区别很大：</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">社保</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">是国家的一项福利，大病小病门诊等都可以报销，价格很便宜，一年几百块。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"> </section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">但它有</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">局限性</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">，生病最高可以报销的费用不超过25万，而且很多进口药或者进口医疗设备，社保都不报销！</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">商业保险其实就是钱</span></strong><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">它跟社保不一样，</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">社保</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">是</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">报销型</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">的：你先治疗，我再看着情况报销。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">而商业保险一般是</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">现金赔付</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 14px; color: rgb(178, 178, 178); letter-spacing: 0.5px;\">你发生了特定情况，我就按约定给你一笔钱，这笔钱你拿去治病也好，挥霍也好，10万也好，100万也好，都跟保险公司没关系。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"> </section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">所以买保险，相当于提前买了一笔“救命钱”放在那里，就等“钥匙”提取。责任事故发生了，“钥匙”有了，这笔钱就能拿出来了。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">不过想要买保险，要必须先搞明白保险包括哪些，不同种类的保险有什么作用，适合哪些人群购买，牛犇财经做了如下一个表格：</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<p style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-align: center;\"><img alt=\"\" src=\"https://www.chiefrich.com/d/file/p/e9bc6af31df5f1b250e07410359b89af.jpg\"></p>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"> </section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"> </section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">通过以上表格不难发现，不同年龄段可以购买的保险是不同的，但基本上都是</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">重疾、意外、医疗、寿险</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">这四类。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em; text-align: center;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px; font-size: 17px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px; color: rgb(0, 0, 0);\"> </span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px; color: rgb(0, 0, 0); background-color: rgb(255, 104, 39);\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">买保险，这些问题一定要避开</strong></span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 16px; color: rgb(0, 82, 255); letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">1、只买线下保险，多花10万冤枉钱</strong></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">（1）随着保险代理人规模的迅速扩大，进入门槛越来越低，代理人良莠不齐，且流动性高；</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(0, 0, 0); font-size: 15px;\">面对面交流的过程中缺少监督，代理人容易为了出单而误导消费者的情况，后续出现理赔纠纷的时候，原来的代理人可能因为离职等原因找不到人了。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">（2）供选择的产品有限，线下代理人只能销售自家公司的产品，即使别家有更好的产品，他们也无法推荐给消费者。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">（3）线下保险的价格普遍要贵30%以上，很多甚至贵1-2倍。这样一算，随便一个长期保险，一年多交几千块，累计交20年就是10来万冤枉钱！</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em; text-align: center;\"> </section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 16px; color: rgb(0, 82, 255); letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">2、买了百万医疗险，就不用买重疾险了</strong></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">很多人觉得，生了重大疾病，最要命的风险就是治疗费用，一般要好几万甚至几十万。既然我能用几百块钱的百万医疗险解决治疗费用，我为啥要花几千块钱去买重疾险呢？</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">我从两个方面给大家解释下重疾险并不能被百万医疗险完全替代的原因。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">原因1：</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">百万医疗险只能报销你在医院治疗的费用的，但是离开医院后的费用，例如在家调养、误工收入中断等损失就无法弥补了。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">因此，重疾险的作用不只限于保障治疗费用，它和百万医疗险应该是互相补充而不是互相代替的关系。想想看，你用百万医疗险全部解决了医院内的治疗费用，带着重疾险的赔付回家慢慢安心调养，不是美滋滋吗？有时在康复情况比较快比较好的情况下，甚至可能靠一次疾病多留下一部分钱自由支配，毕竟重疾险的给付制并不管你实际需要花费多少钱。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">原因2：</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">百万医疗险虽好，但它目前基本上都是一年期产品，需要每年续保。理论上保险公司可以随时停售，一旦停售，下一年就不能买了。医疗险投保是有比较严格的健康限制的。如果在年轻的时候，身体状况还好，一款医疗险停售你可以相对轻松地买到另一款。但如果在你年龄较大时停售，你的身体条件可能已经无法成功投保一款新产品，如果你没有保障期较长的重疾险，你就失去了保障。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">从这个角度来看，如果预算够，为了确保自己在年龄很大时也一定能有保障，一款终身重疾险还是很有必要的。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 16px; color: rgb(0, 82, 255); letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">3、买了意外险，就不用买定期寿险了</strong></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">有些人的确有这样的想法，觉得自己如果在年轻力盛时不幸身故，只可能是类似被车撞了这样的意外。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">这样的想法未免过于狭隘，要知道现在的疾病年轻化趋势越来越明显。并且，一些我们通常认为的“意外”，其实意外险都不赔，比如猝死（现在部分意外险可以保猝死，但还没成为产品设计标配）、中暑、个人食物中毒等，而这些情况，重疾险也是无法保障的。这类情况的不幸身故，只能靠寿险保障。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">寿险能保障的身故，意外险不一定能保障；意外险能保障的身故，寿险一定能保障。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">身故赔付是给付制，因此如果两种都买，意外身故的话也是能获得两份赔付的。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 16px; color: rgb(0, 82, 255); letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">4、终身寿险必赔，所以寿险要买终身的</strong></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">终身寿险必赔这话没错，毕竟没有人是长生不老的。但也因为如此，终身寿险的保费那是比较吓人的。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">30岁男性，买100万的保额，20年交费。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">如果买保障至60岁的定期寿险，一年保费基本2000元不到。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">如果买终身寿险，一年保费基本要好几万。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">我们不能够忘记，保险的本质是规避风险，因此正确的思路是用尽可能少的钱撬动万一风险降临时尽可能高的保额。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">为什么寿险用保障到60、70岁的定期寿险就行了？定期寿险是为了保障青年期或壮年期赚钱能力强的时候，万一不幸身故，老人无人赡养，配偶一人难以承担房贷车贷以及孩子的教育抚养费用压力。当我们也已经年逾花甲古稀，上面的风险已经不再存在，也就没有保障的必要了。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">在预算充足的情况下，牛犇财经认为应该把重疾险、医疗险、意外险、定期寿险这四大金刚都配齐，以形成全方位保障。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">如果预算有限，无法一次性配齐，一般可以按照以下顺序先后配置：</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(0, 82, 255); letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(0, 82, 255); font-size: 15px;\">意外险 > 医疗险 > 重疾险 > 定期寿险</span></strong></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">也可以通过调整重疾险和定期寿险的保障期限来压缩保费，但请大家注意，不可盲目为了压缩保费而把保额过分降低，否则是覆盖不了风险面的。保额具体多少，还是要结合所在城市和个人收入来看。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em; text-align: center;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 17px; color: rgb(0, 0, 0); background-color: rgb(255, 104, 39); letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">一份绝对省钱的保险方案</strong></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<p style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; clear: both; min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-align: center;\"><img alt=\"\" src=\"https://www.chiefrich.com/d/file/p/40c17d74fac0e867647e28c407ce0dc2.jpg\" style=\"width: 504px; height: 397px;\"></p>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">重疾险</span></strong><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">：</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(0, 82, 255); font-size: 15px;\">横琴人寿无忧人生2020</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">无忧套餐的重疾险配置的是一款单次赔付的产品，</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">在60岁之前，可以达到160%的基本保额</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">。已经是牛犇财经记忆当中最高的赔付比例了。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">附加</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">癌症二次与心血管二次</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">，可谓</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">重疾保障全覆盖</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">定期寿险</span></strong><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">：</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">国富人寿定海柱1号定寿</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">无忧人生有身故保额，但如果重疾赔付以后，身故保额就没有了。所以配置一份定期寿险还是非常有必要，特别是有房贷、有孩子抚养的家庭经济收入支柱。我们可以利用定期寿险的高杠杆，提升在关键时期的身故保额。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">国富人寿的定海柱1号</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">，已经是目前市场价格最有优势的定期寿险。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">百万医疗</span></strong><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">：</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(0, 82, 255); font-size: 15px;\">众安保险尊享e生2020</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">一旦生病住院，你就会发现百万医疗险有多香了。熟悉牛犇财经的粉丝都会知道，尊享e生是我一直非常推荐的一款百万医疗险。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">买他！就对了！</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">意外险</span></strong><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">：</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">大地保险大保镖综合版</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">意外险我推荐一年期的产品，为什么？杠杆高，低保费能换来很高的保额。产品众多，没有等待期，没有等待期，就算停售，我也可以轻松找到替代产品。不会使保障有缺口。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">大地保险的大保镖综合版</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">是款性价比很突出的意外险除了基本的</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">意外身故/伤残和意外医疗</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">外，最近流行的</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">猝死</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">也配上了。此外还有</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 82, 255);\">交通意外和航空意外</span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0);\">，这是额外赔付的保额，对于大部分的粉丝来讲，有了这个也不需要另外买交通意外险了。意外住院津贴，几年前在意外险中会经常看到，最近比较少见了。牛犇财经认为只要价格合理，我觉得也不错。每天150元，可以给自己加个餐。</span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em; text-align: center;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px; font-size: 17px;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px; color: rgb(0, 0, 0);\"> </span><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; letter-spacing: 0.5px; color: rgb(0, 0, 0); background-color: rgb(255, 104, 39);\"><strong style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">牛犇财经总结</strong></span></span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">了解保险特性，挑一款好的产品更为关键，不同的产品特性不一样，大家应该各取所需，投保一款最适合自身状况的产品。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">投保保险产品不能过于想当然，想当然投保发生理赔纠纷的案例已经屡见不鲜。在各个细节，需要专业人士结合业内实际状况给你专业的建议，挑选一款真正适合你的产品。</span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\"> </span></section>\n<section style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, \"Helvetica Neue\", \"PingFang SC\", \"Hiragino Sans GB\", \"Microsoft YaHei UI\", \"Microsoft YaHei\", Arial, sans-serif; font-size: 17px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: 0.544px; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); line-height: 1.5em;\"><span style=\"margin: 0px; padding: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important; font-size: 15px; color: rgb(0, 0, 0); letter-spacing: 0.5px;\">如果你想要为自己或家人买一份保障或是定制全面的保障方案，牛犇财经和我们的团队在这里等你，为你提供中立、专业、靠谱的服务。</span></section></div>\n\n\n\n\n<div class=\"entry-footer clear\">\n\n</div>\n\n\n </body></html><div class=\"related-articles seo-links\">\n <h4>相关阅读</h4>\n <ul>\n <li><a 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