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As more and more people realize: In the event of an accident, when medical treatment costs are not enough, do you have to pay for it yourself?If you are sick, do you have to pay for the part of the medical expenses that cannot be reimbursed by social security?When you are old, do you have to pay for the cost of quality pension?If people are gone, do family members have to pay for their living expenses?More unfortunately, if you have mortgage debts, do you want your family to pay from your own pockets?How to solve such a difficult problem?It's insurance!
More and more friends are actively asking for insurance, but at the same time, buying insurance is also a college question. Buying the wrong insurance is more painful than not buying insurance!So, how can a family's insurance policy be reasonably configured?The following points can be kept in mind:
First of all, the younger the age, the cheaper the premium.Don't underestimate the difference in age. Generally, if the difference is 1 year old, the annual premium will be reduced by about 2%. Therefore, if the insured chooses to buy the insurance a few days before the birthday and re-purchase after the birthday, the premium is different.
Secondly, the younger the age, the better the health.You should know that when applying for health insurance and life insurance, the insurance company is very strict in reviewing the physical condition of the insured. Once there is a problem, it is likely to be deferred, exempted, or even denied coverage.
The sooner you buy the insurance again, the longer the protection period will be.Just like this paragraph: when you are 1 year old, you will be insured for a lifetime, and you will be insured for a lifetime when you are 30 years old. One year old is 1 years longer than 30 years old, and the annual premium is much lower.Since no one can escape from birth, old age, sickness, death, accident or illness, insurance must be done sooner or later, why not do it as soon as possible while young and healthy?
The first thing to be clear is that many parents have long been accustomed to leaving the best to their children, but when it comes to "buying insurance", they must not put their children first and ignore themselves. This is absolute Irresponsible.
You know, if Little A has a happy family, mom and dad and him/her.In the unlikely event that Little A gets a serious illness, at this time, are there still parents who can make money for him/her to treat the illness?Are there still parents who can accompany and take care of?But if it's mom and dad, what's the mistake?What can small A do?If there is no adequate insurance protection to help overcome the difficulties, will Little A's future be more difficult?
As the main source of income for a family, the "backbone" of a family not only needs to work hard for the future, but also to support the elderly, loving couples, and raise children, facing huge pressure in life.
When they are strong and able to make money, they are the umbrella of the family.But if one day unfortunately falls and the family’s “pillar” falls, it may be a “catastrophe” for a family. The fate of a family may be changed along with it. Who will bear the mortgage, car loan, pension expenses, medical expenses, Who will ensure that the lives of family members will not be changed for various expenditures such as education funds?
In accordance with scientific insurance planning, accident insurance, health insurance (including major disease and medical insurance), and life insurance should be purchased first, and then education funds, pension insurance, dividend insurance and other insurance types should be considered.
We all know that in all investment and financial management, capital preservation is the most important, but do you know what is the most fundamental?people!
Accident insurance, health insurance, life insurance, etc. are for the most important "people". It can ensure that a sum of money can be given to the parties or their family members after accidents, illnesses or even leaving, so that they can be treated for their illnesses and disabled Rely on, walk and stay.Insurance will not change your current life, but it can guarantee that your life will not be changed in the future.
Imagine that after buying a house or a car, you need to repay the loan on time within a certain period of time. Based on the current market situation, the general mortgage will be repaid for 10, 20 or even 30 years, which means that you have no "spare money". , And once you encounter an accident or disease at this time, a large amount of medical expenses is urgently needed, who will pay for you?Will this drag down the family?
Moreover, in the most extreme case, once you leave early, who can repay the remaining mortgage?Is it relying on the power of the lover?Or should it be shared by elderly parents and young children?
Critical diseases have become younger and younger, and accidents are even without warning.Insurance products tend to save money the sooner they are purchased, and they are easier to be underwritten. Young people should make insurance plans as soon as possible, and don’t wait until insurance picks you up before thinking about it.
Imagine a reality. If one of your best friends or closest relatives is seriously ill or has an accident and needs 50 cash, these friends around know that you have 50 cash on hand, and only you can take it out. To solve the problem, although the 50 yuan is your savings for many years, I believe that many people will choose to use it in the end, at least part of it; if you can really bear the heart to die, then in the future life, a huge sense of guilt may be Keep torturing your mind and body!
And what if you persuade them to buy insurance now?Once something bad happens, with insurance, is it better for relatives, friends or you?
Due to the long term of insurance products, many people tend to put the policy on the shelf after buying it. Over time, they even forget the insurance liability of the purchased policy, so that they repeatedly purchase the same type of policy or fail to adjust the insured amount in time.Such ambiguity about one's own policy may directly affect a series of insurance rights and interests such as the effectiveness of the policy, the settlement of claims, and the income of the policy.
So how should the "annual inspection" of the insurance policy proceed?Experts in the industry suggest that the “physical examination” of the insurance policy can be based on the overall income of the family, starting from the four aspects of basic information, coverage, coverage, and protection rights. The insurance policy should be checked at least once a year to fully understand your insurance rights and Changes in family conditions further improve the insurance plan.
