Secondly, buying insurance before children, adults are the best protection for children. It is meaningless to say that adults have no security and children have no insurance coverage. After all, adults are paying for children.
Third, the order of buying insurance is: first, we must guarantee products, including 1, consumer (accident insurance, term life insurance, etc. ); 2, cumulative (whole life insurance, endowment assurance, etc. ). Then there is medical insurance (general medical care, critical illness medical insurance, etc. ), pension insurance, children's education fund, dividend-paying product investment, etc.
At the same time, the family purchase order is: 1, the economic pillar; 2. Your lover; 3. Family members without economic income, such as children and the elderly.
The principle of purchasing insurance is to give priority to social security, supplemented by appropriate commercial insurance.
Insurance follows the principle of "high loss first", that is, if the frequency of risk accidents is not high but serious losses are caused, priority will be given to payment.
The insurance cost is generally about 65,438+00-20% of the annual income, and it is better not to exceed 20%, that is, 65,438+000% of the assets are preserved with 65,438+000% of the funds.
To tell the truth, we have been making money and spending money all our lives, so why is everyone working so hard? Future pension, medical care, children education, etc. However, you must have a healthy body. Smart people know this truth. Only by ensuring the capital to make money can you earn more money. Therefore, it is very important to buy adequate medical insurance. If health is not guaranteed, no amount of old-age insurance is realistic.
Here, I know that there are three universally recognized words in this industry, which are "brand in life", "safety talent" and "Xinhua product"
Finally, we should pay attention to the principles of insurance:
(1) Buy medical health first and then insurance. Health can ensure that customers have everything.
(2) Buying insurance pays less attention to words than contracts. Life insurance is generally a medium-and long-term contract. If you buy it, it will become a lifelong happiness, otherwise it will have a great impact.
(3) Insurance products need to have the function of maintaining and increasing value. With the improvement of living standards, inflation must be curbed.
(4) to buy insurance, we must first protect the head of the family. If the main wealth creator in the family is not guaranteed, what is the premium? Living expenses? Family expenses are not guaranteed.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.