1, guarantee first, refinance insurance, insurance first. Ping an insurance is the insurance of the insured, which can really help you resist the diseases and unexpected risks faced by your family. Once out of danger, hundreds to thousands of premiums may be paid hundreds of thousands. Compensation insurance has no investment income, usually consumer goods. If the risk does not occur, it will not bring benefits to the insured. After the guaranteed insurance configuration is perfect, if there is a budget, financial products will be considered.
2. When an adult buys insurance before the child, the family must buy insurance before the child. Insurance should give priority to the family pillars that make the greatest contribution to the family economy. After all, parents are the biggest "insurance" for children. But in real life, many parents spend too much budget on their children out of love and concern for them. Accident insurance, medical insurance, critical illness insurance, and education funds are all available. I didn't expect it to be "streaking". If something happens to parents unfortunately, not only will the children's future premiums be unsustainable, but their future life and education will also be greatly affected. However, if the child is in danger, the family's economic situation will not be greatly affected, so it is unreasonable to spend most of the insurance budget on the child.
3. Planning before products Many people buy insurance out of order. They can buy whatever they want. Tens of millions of insurance products are complicated. Everyone who sells insurance says that their products are very good, and they can buy anything recommended by others. This unplanned method is very undesirable. Before taking out insurance, you should analyze and plan the insurance needs of yourself and your family. Consider budget, required security, etc. And make plans in advance to avoid wasting money and get better protection. Buying insurance, not talking about demand, not talking about the combination plan, and directly recommending products are all hooligans! According to the comprehensive protection scheme, the correct insurance method is to choose a specific insurance product.
4. What pitfalls should ordinary people avoid when buying insurance? Remember these five points. In addition to these common pits, there may be many problems in actual operation. When you master enough insurance knowledge, there won't be so many pits. I suggest you think clearly about why you want to buy insurance and what problems you want to solve before you buy it. Don't follow the trend to buy insurance.