Who needs insurance more? Poor? Still rich?

-Is insurance a patent for the rich? Many people think that when you have no money, you should try to make more money, and then buy insurance when you have money. In fact, the "poor" need insurance more than the rich, because their ability to resist risks is lower. In fact, no matter "rich" or "poor", as long as there is real demand, they should be insured in time. Xiao pang: the stock market is very depressed recently, which makes my plan to buy insurance go up in smoke. Xiao Pang: That's not true. You just blamed me for not buying it in advance. You don't even have the heart to buy! Big thin: I'm not like you. You are "rich" and I am "poor"! Xiao Pang: Both the "rich" and the "poor" have insurance needs. I think "poor people" need insurance more than "rich people". Xiao Pang: You think that "poor people" have no money at all. If they get sick and suffer all their lives, they will be poorer and even look down on their illness if they spend a lot of money. Rich people can at least carry it, and if they can't, they become "poor people." Xiao Pang: Of course, if low-and middle-income families want to use the limited premium budget in the cutting edge, they must first correctly determine the insurance order. Family insurance should be guaranteed before investment. Specifically, life insurance and health insurance should be considered first, then endowment insurance and education insurance, and finally insurance with investment function should be considered. Xiao Pang: You must find your own needs. In terms of life insurance, the rates of some accident insurance and one-year term life insurance are much lower than those of whole life insurance products. In terms of health insurance, the rates of consumer critical illness insurance and one-year periodic critical illness insurance are also much lower than those of life insurance. Xiao pang: in the case of limited premium expenditure, it is necessary not only to classify the primary and secondary types of insurance, but also to determine the insured in order. Under normal circumstances, the main economic pillar of a family should be insured first, that is, adults first and children later. Xiao Pang: Usually, the insurance budget should account for 20% of family income. Calculate your family income first. The amount of insurance should be based on the principle of not bringing heavy economic burden to the family, but also meeting the security needs of family members as much as possible. Thin man: It seems that I, a "poor man", really need to buy some insurance, and you, a "rich man", don't hesitate any more. If you buy one day earlier, you will avoid becoming a "poor man" earlier.