1. Identify the needs and see what the existing protection between family members is. On this basis, it is clear what the most fundamental needs of each member are. Personally, it is more effective and reasonable to plan commercial insurance on the basis of social security, and the two complement each other.
2. Determine the amount of premium expenditure, which is theoretically 65,438+00%-65,438+05% of the annual household income. In reality, specific problems need to be analyzed.
3. Determine the insured amount, which is theoretically 6- 10 times of the annual household income. In reality, many factors should be considered, such as the specific situation of each family.
4. Determine the order of insurance, basically adults first, children later, middle rights first, the elderly and children are all under consideration.
5. The premium distribution of family members should first be insured for the main source of income, and the premium expenditure should also be inclined to him.
6. At present, the mainstream insurance types are dividend insurance, universal insurance and investment-linked insurance. Conservatively speaking, customers are advised to pay attention to the first two.
7. At present, there are many life insurance companies in the market, and customers are advised to pay attention to the first echelon of the industry. After all, these well-known domestic insurance companies with history are more insurance.
8. Insurance should focus on protection, and then talk about other things, otherwise putting the cart before the horse will waste money. Focus on big risks, such as accidents and serious illnesses!
9. Don't pursue one step at a time, but plan step by step and be orderly and effective.
10. There is little difference between products of different companies, so it is meaningless to simply compare products.
1 1. It is feasible to seek the help of local agents. You can only apply for insurance locally, and you can't sign insurance in other places. Extensive communication with some professionals, seeking help and choosing the right agent as the long-term service personnel of the policy are the most important factors to reflect the value of the policy.
12. If necessary, you can consult the customer service telephone number of the relevant insurance company for consultation and verification.
Good wishes!
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.