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Many times, some families make these mistakes:
1. Healthy nude: spend money to buy a bunch of dividend insurance, just don't buy health insurance, when I was hospitalized, I realized that I couldn't get the claim at all!
2. Shortage of insured amount: I only bought the insured amount of 5 million 10, and found that it was not enough!Typical "It is too expensive to buy, but too little to use"!
3. Dislocation of insurance: only buy for children, but not for adults who are the pillars of the insurance, then who is responsible for the problems with adults?Can children work?
4. Insurance nude: social insurance is enough, commercial insurance is useless!Don't forget, in recent years, the state has repeatedly issued policies to encourage individuals to purchase commercial insurance!
5. Lack of responsibility: Lack of sufficient attention to life insurance!You must know that life insurance is the last love for your family. It is an unpaid mortgage and an unfulfilled responsibility for parents, lovers, and children!
6. Delay in applying for insurance: Looking forward to happiness in the old age, but has not planned for retirement fund reserves for a long time!Do you really want to raise children to prevent old age?Regardless of whether the children are filial or not, are they capable?
We must know that at different stages of life, people will face different financial needs and risks. Among various financial tools, insurance can play a role in risk resolution and financial protection.
From a comprehensive analysis point of view, from birth to old age, a person needs at least six different insurance policies in his lifetime to achieve the most basic protection:
The first one: accident insurance policy
As with repairing walls, the bottom must be strong enough and the foundation must be well laid.For families, the biggest risk is accidents, especially accidents on the pillars of the family.Being a child is the greatest protection for parents; being a parent is the greatest protection for young children.Once there is a risk on the top pillar, if there is old age at the top and small at the bottom, who will protect the parents and children?
Therefore, as the family's first insurance policy, it must be accident insurance, especially for young people aged 20 to 40 in the family.Accident insurance provides life and safety protection, and its function is death benefit and disability benefit, so as to cover unpredictable risk events in life.Especially in the young period when the financial capacity is relatively limited, an accident insurance will greatly reduce the financial burden.
Sheet XNUMX: Critical Illness Medical Insurance Policy
Birth, old age, sickness and death, the reverse of this order is the order of purchasing insurance.As the second greatest risk in life, the impact of illness on the family cannot be underestimated.Today, when a cold can cost thousands of dollars, we are less and less confident and confident about the disease.Although many people have medical insurance in their social security, the amount is far from covering the medical needs of serious illnesses, so a critical illness medical insurance policy is needed to make up for it.
Therefore, the family needs a second insurance policy to build an insurance wall for possible diseases.And buy critical illness insurance as early as possible, because the older you are, the higher the risk and the higher the premium.
Third sheet: Pension insurance policy
Who will support you in 30 years?This is a question that the middle-aged people have to consider.It is necessary and unavoidable to consider pensions at the age of earning money.When funds allow, you should consider buying a pension insurance.Pension insurance has both protection and financial management functions, and can withstand part of the impact of inflation.And pension insurance should be purchased as soon as possible, the earlier you buy, the greater the discount you will get.
Fourth sheet: A life insurance policy that protects wealth
Taking loans, buying houses, and buying cars, there are more and more "negatives" in the city. The days of carrying loans are full of joy and pressure: if something goes wrong, who will pay back the hundreds of thousands or even pay? Millions of bank loans?
In order to transfer this risk out, a life insurance policy should be added.As long as a person is still alive and healthy, it means that a source of wealth and energy is constantly being created, and protecting a person itself is protecting his wealth.In addition, life insurance policies also have the function of avoiding debts and taxes. Even if the person does not exist, the insurance money can be free from debt disputes and tax collection, so as to realize the smooth inheritance of wealth.
Sheet XNUMX: Child Education Fund Insurance Policy
Educational expenditure is one of the largest expenditures of a family, especially in recent years, children's education expenditures have accounted for an increasing proportion of family expenditures, and education costs have become more and more expensive.Prepare a complete education guarantee for your children, and you will have no worries about the large amount of children's education reserves.Therefore, as long as the family's financial situation permits, education insurance should be purchased for children as soon as possible, taking into account the needs of protection, so as to plan ahead.
In addition, the child is born in the prime of his parents, with high income, stable financial resources, and the ability to provide a good education fund for the child.
Sheet XNUMX: Property appreciation insurance policy
If consumers have sufficient idle funds in their hands, using insurance products to maintain and increase the value of their assets has become a major choice.At present, property appreciation insurance policies in the insurance market are mainly types of insurance with profit distribution, which can participate in the profit distribution of insurance company investment profits, including common dividend insurance, universal insurance, etc., dividends or interest distribution can make the input insurance premiums Maintain the same growth rate as inflation and realize the functions of value preservation and appreciation.
How many photos are there between you and your family?
