The "seven major insurance policies" commonly used in the insurance industry are accident insurance policy, critical illness medical policy, life insurance policy, children's accident policy, hospitalization policy, critical illness insurance policy, children's education insurance policy, endowment insurance policy and inheritance insurance policy. Of course, considering your purchase intention and economic situation, it can be roughly divided into the following three levels: before buying insurance, it is recommended to read. After reading it, you will have a clear idea, which is the first and most important step for us to buy insurance.
(Further reading: What kind of insurance is better, how to buy it cost-effectively, and teach you to avoid these pits of insurance)
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The first floor: everyone's essential basic protection: accident insurance+critical illness medical insurance+life insurance. It must be closely related to our life, and it is based on the low premium of several thousand yuan a year.
No one knows which comes first, tomorrow or the accident. Accident insurance can use the leverage effect of low premium and high security to balance the economic losses caused by many "unlucky" things in life. In recent years, the incidence of malignant tumors is getting higher and higher, and more and more people are shrouded in the shadow of malignant tumors. Investing in a critical illness medical insurance from an early age can not only fill the gap in medical insurance for imported drugs and equipment, but also get dozens or even millions of compensation at one time after the diagnosis of malignant tumors. Whether it is used for nutrition after discharge or for relaxation, it is a considerable expense.
If you are stable in your old age and die without a disease, then the life insurance policy can also help you get the place behind you, and you can walk well without adding any burden to your children.
The second layer: the stability guarantee of each family: children's accident, hospitalization, serious illness policy+children's education policy+pension policy. If you are married and have children, you must be most concerned about your own children, so why buy accident insurance and medical insurance for serious illness for yourself and let your children bear the risks?
The economy has been developing, and inflation is continuing. Therefore, the earlier the insurance is paid according to the annual quota, the longer the payment period, the more cost-effective. Calculate an account, if an insurance requires to pay 6000 yuan a year for 20 years, what will happen under the pressure of inflation? The per capita GDP of 20 17 is 5926 1 yuan, and that of 1997 is 648 1 yuan. According to this ratio, if you buy insurance in 1997, the annual insurance premium should be higher than that in 600 yuan. Do you think the next ten years will be nothing? Therefore, although the children are small, if they are insured early, they will get considerable benefits in the long run.
The third layer: the love behind it: inheriting the insurance policy. People will leave one day. Is it a dream or a nightmare for people around you after leaving?
We have heard too many stories about leaving huge debts after death, and we have also heard the news that the cemetery is now more expensive than the house price. Do you want the insurance company to give your family some comfort or do you want your family to spend a lot of money when they lose their loved ones? Inheritance insurance is not only an insurance policy, but also the inheritance of family ties.
Xueba guarantee summary:
Insurance is a highly customized product, which is closely related to your income, family situation, insurance budget and so on. There is no best insurance, only the insurance that suits you best. If the insurance is bought properly, you can get the ideal effect of keeping small and big. Inappropriate, there will be all kinds of "pits".
Daily limited benefits are coming! If you are still a little confused after reading it, you don't know how to choose insurance; You can get free consultation service at the bottom of the answer; I will give you the most practical advice based on my years of experience in configuring insurance for millions of families ~