Do not know you are right consumption and return this model how is serious illness risk defined. So, weigh disease risk with respect to two kinds when say I am recommended quite.
One kind is long-term and fixed serious illness risk, for instance safeguard arrives how many years old (for instance 60 years old, 70 years old) , this kind ensures 20 years, 30 years this is planted, death returns insurance cost or compensate keeps the specified number. Such safe advantage is the price low, because put,be inside safeguard period not the probability of be or get out of danger, it is a lot of cheaper that so insurance cost can compare those who decide be or get out of danger to want. Lever comparing is big, same insurance cost can be bought taller keep the specified number. Defect is in front say, assure to expire but without be or get out of danger, the insurance cost that pays was dropped with respect to consumption.
One kind is lifelong serious illness risk, guaranteeing time is lifelong, death is returned keep the specified number, that is to say anyway, this money can be taken certainly, just look when to be taken. This kind of safe advantage is ensured namely enough, be in all the time, won't appear the condition that incidence of a disease did not ensure below high case. But because define the quality of be or get out of danger,defect is (must not weigh disease to also be met dead) insurance cost is so high, lever comparing is low.
Both does not have the cent of bad of what actor what under photograph comparing, suit only. If the budget is enough and OK,choose lifelong safeguard, nature is good, but if money is not much, proposal or fixed safeguard keep the specified number next enough. After all what we prevent is economy not bounteous period risk, and arrived life the second half, can accumulate somewhat.
More economy problem, the welcome pays close attention to big cat finance and economics.
