Buy insurance before children. Adults are the best protection for children. It is meaningless to say that adults have no security and children have no insurance coverage. After all, adults are paying for children.
First of all, the order of buying insurance is: first, we must guarantee products, including 1, consumer (accident insurance, term life insurance, etc. ); 2, cumulative (whole life insurance, endowment assurance, etc. ). Then there is medical insurance (general medical care, critical illness medical insurance, etc. ), pension insurance, children's education fund, dividend-paying product investment, etc.
At the same time, the family purchase order is: 1, the economic pillar; 2. Your lover; 3. Family members without economic income, such as children and the elderly.
Secondly, the principle of buying insurance is to give priority to social security, supplemented by appropriate commercial insurance.
For example, first buy social security introduced by the state (it is best to buy it by a company), such as cooperative medical insurance for rural hukou or medical insurance for urban residents for urban hukou, and then consider commercial insurance as a supplement.
Third, the insurance follows the principle of "high loss first", that is, if the frequency of risk accidents is not high but serious losses are caused, priority will be given to payment.
The insurance cost is generally about 65,438+00-20% of the annual income, and it is better not to exceed 20%, that is, 65,438+000% of the assets are preserved with 65,438+000% of the funds.
Here, I know that in this industry, there are three words that are "brand in life", "safe talents" and "Xinhua products"
Finally, we should pay attention to the principles of insurance:
(1) Buy medical health first and then insurance. Health can ensure that customers have everything.
(2) Buying insurance pays less attention to words than contracts. Life insurance is generally a medium-and long-term contract. If you buy it, it will become a lifelong happiness, otherwise it will have a great impact.
(3) Insurance products need to have the function of maintaining and increasing value. With the improvement of living standards, inflation must be curbed.
(4) to buy insurance, we must first protect the head of the family. If the main wealth creator in the family is not guaranteed, what is the premium? Living expenses? Family expenses are not guaranteed.