Posted by The more developed countries and regions, the more perfect the insurance system, and the more insurance policies per capita have.Because after the economic foundation has developed to a certain level, the greatest need of people is safety and security.The function of insurance is not only to provide life protection.At different stages of life, the requirements for risk are different, and this financial need can be arranged through insurance.
See Hong KongSeven or eight insurance policies are necessary
Let me talk about our country first. Hong Kong people buy insurance policies that focus on protection. They buy 100 million yuan or 200 million yuan of protection, and they don’t care about the number of insurance policies.On average, Hong Kong people use one month's wages as insurance premiums.At the end of 2014, the national insurance density was only 1479 yuan (person).
Take a 23-year-old Hong Kong university graduate as an example, Hong Kong people generally need to purchase a few major insurance policies in their lifetime:
The first one: Buying for parents is a reward for the kindness of parenting.Once you suffer from illness or accidental injury and lose the ability to support your parents, your parents can still enjoy their old age.
The second one: The insurance policy is to provide protection for one's life and illness.
The third one: Generally, you have to buy an insurance policy for your lover.In the event of an accident, the lover can still live a normal life.
Fourth sheet: After getting married, Hong Kong people generally enjoy a two-person world for one or two years, and then consider having children. Most families have two children, so they can buy some accident or illness insurance policies for their children.
Sheet XNUMX: It is the child's education insurance policy.
Sixth: Buy insurance for the garage.It is an insurance policy to prevent death and provide debt repayment protection.
Sheet 30: At the age of XNUMX, Hong Kong people think about life in their later years and usually buy a pension insurance for serious illness.
Sheet XNUMX: In the old age, it is also essential to buy an insurance policy for the transfer of one's own inheritance.
See japanSix insurance policies are hard indicators for mate selection
As early as 2002, the coverage rate of Japanese life insurance was as high as 540%, which is equivalent to each Japanese national owning 5.4 life insurance policies.Why do Japanese people have so many life insurance policies?That's because different stages of life have different requirements for risk.The way of purchasing different insurances at different stages is a manifestation of the sense of responsibility.
I graduated with a master's degree at the age of 25. When I first worked, I only considered one person when I bought insurance. The value of the insurance was very low.Due to frequent travel and friendship, accident insurance is generally purchased, and young people rarely buy serious illnesses.
After more than 30 years of age, they pay more attention to health, and more people buy serious illness insurance.After you get married, you have a responsibility to your family and your children.When buying an insurance, the beneficiaries write each other's names. This is a commitment and responsibility to the family.
The Japanese have a custom that when getting engaged, the man has to buy a life insurance policy and write the woman's name on it, which is a manifestation of love and responsibility.At the same time, it must be considered that the original insurance policy cannot meet the demand, and it must be increased and expanded.
After the age of 35, there is a lot of pressure to repay the loan, and it is necessary to buy an insurance to provide wealth protection for the family.Buy a life insurance equivalent to the loan amount, such as a loan of 80 yuan, buy a 80 insurance for yourself.If something goes wrong, an insurance company will repay the mortgage.
At the age of 40, one should consider pensions.The sooner you buy pension insurance, the better.At this time, the house is bought and the child is older, so you should consider adding a pension.
At the age of 50, I am about to retire. If I die, the property tax is very high and I have to buy an insurance to avoid taxation.
For parentsNo less than 25 years of living expenses after retirement
Hundreds of good filial piety is the first, and it is the life responsibility of every adult Chinese to support his parents.The insured amount is at least the basic cost of living for 25 years after the parents retire, so that we can truly fulfill our responsibilities as children!
For the familyNot less than the total family debt
If the family has debts, such as a mortgage, then the insured amount cannot be lower than the total loan amount.Otherwise, if one day we encounter risks, what will be left will be huge debt pressure!
For childrenNot less than the total cost before graduation
The responsibility of parents is to raise their children and receive adequate education.The money prepared for the child should at least be enough for him to graduate from university.
For lifeNot less than 5 times the annual household expenditure
If the family’s economic pillar unfortunately falls, the family’s living standards will change significantly in the future.If there are at least 5 years of basic living expenses, the family can gradually recover and get back on track.
For healthNot lower than the average level of critical illness medical care
If someone in the family gets sick in the future, will the medical expenses be prepared?Are you prepared enough?This requires that when choosing health insurance, we must at least be on the same level as the average medical treatment cost, we are not prepared enough, and we will regret it in the future.
