On the one hand, for many young couples, having children means really shouldering the burden of the family. They can no longer live without a plan. They must make full plans for the future at every step. Insurance is undoubtedly an indispensable part of escorting your new life, which can make you work hard for the future with peace of mind and is also an important aspect of your financial accumulation plan during this period. How to buy insurance for children? How to buy? Let's take a look at buying insurance for children. Be sure to avoid these pits!

On the other hand, from the financial point of view, the economic pressure in this period increased instantly. After the child is born, in addition to meeting the daily expenses of the couple, we should also consider the child's parenting expenses. The cost of education in the future will far exceed that during marriage. Therefore, a modern family of three needs to consider all aspects when formulating an insurance plan.

1. Insurance planning principles for a family of three.

1) Guaranteed products are recommended for couples to insure.

After a period of joint efforts, the income of husband and wife has gradually stabilized, and the insurance premium budget is relatively affluent. Need to consider whether the overall insurance coverage is sufficient to meet the needs of current life. With the increase of economic responsibility, the amount of insurance required will be much higher than that of a single period. At this time, we should mainly buy whole life insurance and add accident insurance to prevent the risk of unexpected accidents.

2) it can increase the health security of husband and wife.

At this stage, young couples can consider increasing the critical illness insurance and adding a higher proportion of health insurance on the basis of the original regular or whole life insurance, so as to increase the overall protection, so as to ensure that in case of sudden illness, they can provide adequate financial security for their families and help them tide over possible difficulties.

3) You should buy insurance for your children as soon as possible.

The protection plan for the child's growth process is also a part that parents can't ignore. The sooner you insure, the more cost-effective. In the planning of children's insurance, parents are advised to follow the principle of "guarantee before education". After the China Insurance Regulatory Commission relaxed the regulations on children's insurance, children's insurance has become a new product in the life insurance market, such as some children's health insurance or children's accidental injury insurance, which has become a new choice for parents to plan their children's future life. In addition, "expecting children to succeed" is every parent's expectation for their children. In order to let children perform in Shine on You in the future, the preparation of children's education fund has become one of the focuses of family financial planning in this period.

2. Explain in detail with a case: How does a family of three plan insurance?

Case: "A family of three, a 32-year-old man, a 3 1 year-old wife and a 3-year-old child. The whole family has applied for social security and wants to buy a guaranteed commercial insurance for the whole family as a supplement. At the same time, they also want to add some education funds to their children. "

How to plan an insurance plan for this family?

General principle: adult protection is preferred.

Use 5% of annual income to buy 5- 10 times of family annual income. The first is health care. It is best for both husband and wife to buy lifelong protection, and annuity conversion can be used as a supplement to old-age care in the later stage. As for the health insurance purchased by children, it can be guaranteed until adulthood, and you can buy it for yourself later.

Family pillar-need to configure life insurance and critical illness insurance and accident protection; Annual income 10 times is designed for the coverage of life insurance, and 5 times of serious illness income is appropriate to ensure income continuity for at least 10 years once income is interrupted; A serious illness for at least 5 years is a rehabilitation period.

Lover-You can choose whole life insurance to attach a combination of serious illness and an inpatient medical product. You can protect your future pension planning while ensuring serious illness; Because women live long and the cost of providing for the aged is high.

Baby-need to supplement basic serious illness and accidental medical treatment. At least 300,000 critical illness insurance is very important. With medical insurance, other additional risks can be exempted. Other funds can be considered as special funds for education or fixed investment funds to save for children's future education planning; In addition, the child's insurance premium exemption is also a very important factor that should be considered!

Whether it is accident insurance, critical illness insurance or life insurance, we should pay attention to the number of exemption clauses, and the coverage corresponding to less exemption will be wide; If the waiting period is short, the risks are correspondingly less, otherwise consumers will have to bear the risks themselves even if they buy insurance during the waiting period. Finally, don't forget to pay attention to the early payment for serious illness.

If you have any other insurance questions, please come: protect more fish and talk about insurance.