At present, the mainstream combination mode is that the main insurance provides education funds for children (medium and long term), additional serious illness and hospitalization. The most important thing is to avoid the risks of parents, and it is suggested to add additional risks that can exempt the insured's premiums (this kind of additional insurance is particularly important for the insured's parents who have not made any protection, and its role is that in case the insured accidentally loses his ability to work or leaves his job during the payment period, the remaining unpaid premiums will be borne by the insurance company, and the children's due interests will not be lost). Otherwise, according to the regulations, once the customer stops paying within the payment period, the contract will be terminated two years later, and this will be gone. If you quit halfway, you can only get back the guaranteed cash value (generally lower than the premium paid during the payment period)
Specific or according to the actual situation of your family to operate.
First of all, 10- 15% of your family's annual income is the appropriate proportion of your family's insurance investment. Exceeding this ratio may cause a burden on your life.
Second, additional health insurance is generally a one-year cycle, and the annual rate will change with age. When you insure, you should ask clearly, and it is best to look at the rate table.
Third, if possible, try to refer to the relevant clauses of portfolio insurance before taking out insurance, with emphasis on' insurance liability' and' exemption from liability'. The former is the right that customers can enjoy, and the latter is the case that insurance companies can't settle claims.
Fourth, as a medium-and long-term means of family financial management, the payment period is of course as long as possible before retirement. For example, if a 30-year-old man retires at the age of 60, he'd better choose the kind of commercial insurance payment for 30 years. Why?
Because 1. Money has time value. Extending the payment period at the income age can reduce the annual premium burden, and do you think the actual purchasing power of 100 yuan now and 100 yuan 20 years later is definitely strong now? You should know that the benefits and protection amount of all insurance contracts depend on your total premium investment. Since it is the same total premium, which is more beneficial to the insured, I will pay it 15 or 30 years. I'm sure you can see it without saying.
2. Because of the above-mentioned insurance with additional premium exemption. Extending the premium payment cycle also shares the risk. If misfortune happens during the payment period, the premium that can be exempted for 30 years will definitely be more than that paid by 15.
Think of these for the time being. If you have any questions, please ask.
I am a member of Hong Zhong. If you are in Zhejiang province (except Ningbo), I can provide you with sales support. If you are outside the province, I can still provide you with insurance knowledge consulting support.
Wish the new mother a happy weekend.