Expert analysis When considering the improvement of family security, the first thing to consider is who is the main economic pillar of a family. Generally speaking, the husband's income is higher. In this case, the husband's serious illness protection and personal security are higher than those of his wife and children, so as to ensure that their lives and studies will not be affected in case of "one thousand". Therefore, Mr. Wang suggested accident+serious illness+term life insurance; The wife suggested an accident+serious illness; Children: accident+dividend type critical illness insurance. Commercial insurance should first consider the risks of life insurance, accident insurance and critical illness insurance, and then the critical illness insurance of family members with high incidence. And all family members should be regarded as a whole; Family members bear certain family responsibilities to each other, so when planning insurance, all family members should be taken as a whole, so as to better reflect the mutual responsibility and care of family members and plan the insurance scheme that is most suitable for their family situation. Analyze the scope of your family members, including your parents, children, lovers, and who is the main source of income for this family. If this member is at risk, what kind of trouble will the family encounter, how much filial piety expenses parents need to prepare, how much growth expenses and education expenses children need to prepare, and how much living expenses lovers need to prepare. The sum of these amounts is basically the amount of life insurance and accident insurance that this family member needs to have, which can usually be designed as half of life insurance and accident insurance. Secondly, we should consider the critical illness insurance as the pillar of the family economy, because this is also a risk that a family can't afford. Generally speaking, according to the current medical expenses, the coverage of critical illness insurance is enough for one person to prepare 200 thousand yuan; Considering that it is the economic pillar of the family, you can prepare more appropriately if you have the conditions. Thirdly, we should consider the critical illness insurance of other family members. Because this is also a huge risk loophole facing our family. Please follow the scientific principle and order when buying insurance: 1. General principles of insurance: adults first, children later; Safety first, financial management second; 2. The order of insurance is generally: accident medical insurance, life insurance, serious illness education, and pension (investment and financial management); 3. Annual premium expenditure 10- 20% of annual income; 4, not necessarily a one-time purchase, accident insurance can be bought by the whole family, and the rest depends on the economic conditions, first buy it for the family, and then gradually improve it. First, whether to pay dividends: golden life is a guaranteed dividend, and you can't get claims for death, nor can you get actual dividends. Good health is a serious illness, which has increased, and can be regarded as capital preservation and dividends. China Life Kangning is a product that has a fixed amount of dividends both on a regular basis and for life. Second, it will be paid back in several years: Golden Life and Health Fuxing belong to lifelong critical illness insurance, while China Life Kangning is divided into regular and lifelong, and lifelong health insurance is not paid back. The insurance premium you pay is used as a guarantee in the insurance company. The above three kinds of insurance benefits can be converted into annual pensions at a certain age, which can be regarded as a gradual return of part of the principal. China Life Kangning can only get life-long insurance coverage if it claims or dies, otherwise it won't get a penny. There are two kinds of normal 70-year-olds and 80-year-olds. At this age, the premium you paid will be refunded to you without interest, and the protection will be terminated. 3. Payment period: From the customer's point of view, critical illness insurance must choose the longest payment period as far as possible when the insurance clauses permit, because once risks occur, the claims of critical illness insurance will take effect immediately, and insurance companies that have not paid premiums in the future will naturally be exempted from liability. Moreover, the average annual premium will be lower for many years, and the economic burden on customers will be small. Who doesn't choose the longest repayment period now? This is a truth! Four. Annual payment: this is mainly based on the current medical level and the actual treatment expenses of major diseases, such as cancer, uremia 1.2- 1.8 million, stroke 1.2 million, myocardial infarction 1.6 million and organ transplantation/kloc-0.
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