The strongest guide for families to buy insurance
One of the principles for families to buy insurance is to buy accident insurance and health insurance first.
Many people will ask insurance practitioners:? What good insurance do you have there? What do they usually call this? Good insurance? It refers to investment insurance, and the kind mentioned? Okay？ Explain that the investment income is good. These people generally have investment experience, including the use of stocks, funds, bonds, futures and other investment methods, especially when I heard that some investment insurance has stable income, they seem to have 6.26? New? Our investment and financial management methods have placed great hopes. This is why dividend insurance was so popular when it first appeared in China. When many people heard that insurance can also be used as an investment, their eyes suddenly lit up, and the most primitive protection function of insurance was thrown out of the clouds. Today, there are still many people who have a special liking for dividend insurance, investment-linked insurance and universal insurance, and then there are education insurance and endowment insurance with certain savings function, but they pay little attention to health insurance, life insurance and accident insurance.
The three major risks in life: accident, illness and old-age care are the most difficult to predict and control, and the significance of insurance protection is largely reflected in these two types of insurance. However, many people think that these two kinds of insurance are consumer-oriented and don't return, or rarely return, not investment, or? Very uneconomical? Therefore, the most meaningful insurance has not received enough attention. So when the real risk comes, a lot of insurance is it? No need? Leading some people to misunderstand insurance is actually a misunderstanding of insurance. Scientific insurance planning should start with accidents and health insurance. With these basic guarantees, consider other types of insurance. In other words, if there is no commercial insurance, insurance should generally be bought in the following order: accident insurance? Health insurance? Education insurance? Endowment insurance? Dividend insurance, investment-linked insurance and universal insurance
Financial management is actually divided into three steps. The first step is to transfer risks, that is, insurance protection, which is a foundation. Do other consumption arrangements and investment and financial management after doing insurance protection. Investment without insurance protection is like a castle in the air, which can't stand the wind and rain. Therefore, in the choice of insurance, it is the principle to choose accident insurance and health insurance first, then education insurance, endowment insurance and dividend insurance.
The second principle for families to buy insurance is to buy all insurance before buying a house with a loan? I want to save money to buy a house now, and then buy insurance after buying a house and a car. ? This is a sentence that many people who have no housing around the age of 30 often say to insurance practitioners. Is there a similar saying? I don't have spare money to buy insurance now? In their view, insurance is a luxury consumer goods, and there is no hurry now, or insurance is consumed by the rich. In fact, this concept is very incorrect. Insurance is a necessity of life, and it is not needed until life is well-off or even better. Insurance is a good means to transfer risks, and risks only appear when you have a good life. If there is no insurance after buying a house with a loan, it is very unscientific and dangerous. I believe that many people who just bought a house have already felt the pressure. They lived a free life before buying a house, but the pressure increased sharply after buying a house.
A 20-year mortgage means that your income cannot be interrupted in these 20 years. Once your work and income are interrupted by an accident or illness, your stress will be even greater. And no one can guarantee that you won't get sick or have any accidents in 20 years. If there is a serious personal accident, such as death or disability, the income will be interrupted forever. At that time, if there is no other way, the house will be recovered. At this time, it is your family who suffer the most. Generally speaking, you can have as much life insurance as you want to repay your mortgage. For example, if your mortgage is 6.5438+0 million yuan, then you need at least 6.5438+0 million yuan of fixed term or whole life insurance to prevent personal risks in the process of repayment. If you can buy health insurance at the same time, it would be better to do a good job in health protection.
The third principle of buying insurance for families is to buy insurance while young, to buy a responsibility, and to buy a scientific plan for the future. According to the statistics of people who buy insurance in major cities, the people who buy insurance are mainly in the age group of 30-45. They either buy insurance for themselves or their families. Young people in the 20-30 age group, including college students who are not yet independent and graduates who have just left society for a long time, rarely choose insurance. They usually think that they are young and healthy, and will not get any diseases. They feel surprised and far away from themselves, so the problem of providing for the aged is farther away from themselves, so they don't need insurance. But now we see that major diseases are getting younger and younger.
More than 20 years ago, when we heard that someone around us had cancer, we were all surprised. But now, you won't be surprised if we hear that something happened to a 2-year-old child. Nowadays, air pollution, food pollution, environmental pollution, high pressure on students and many other reasons have become the incentives for the rejuvenation of major diseases. In such an environment, on the basis of taking precautions, we should also make plans in case. You shouldn't expect that one day all the sky will be blue, all the food will be safe and life will be stress-free. What you need to do now is, where will the huge medical expenses come from in case of a major illness? Just because the family's economic situation is not good, the insurance awareness is not enough, and there is no habit of buying insurance. However, risks should not be transferred according to personal likes and dislikes. When the real risk comes, it is too late to think about insurance. Insurance is a scientific plan for a rainy day.
Insurance makes life better. If the weather forecast predicts that it will be cloudy tomorrow, it may rain. Do you have an umbrella? If you travel by boat, do you bring a lifebuoy? Life is impermanent, no one knows what will happen in the future, and no one can guarantee what will happen to him tomorrow.
The only thing we can do is to make preparations in advance, minimize the risk and loss in case, and make all possible things have as little impact on our lives as possible. People can't help asking, what kind of preparation can achieve this effect? The answer is insurance.
There is a short story: two monks live on two adjacent mountains, and they go down to the stream to fetch water at the same time every day. Over time, they became good friends. Unconsciously, five years have passed. Suddenly one day, the monk on the left mountain didn't go down to fetch water. The monk on the mountain on the right thought, he probably overslept. The next day, the monk on Zuoshan still didn't go down to fetch water, and so did the third day. A month passed, and the monk on the right mountain finally couldn't stand it. He thought: My friend may be ill, so I'm going to visit him. ? On the left side of the mountain, he was surprised to see his old friend, because his old friend was playing Tai Ji Chuan in front of the mountain. He didn't look like he hadn't drunk water for a month at all. He asked curiously: You haven't gone down the mountain to fetch water for a month. Can I not drink water? The monk on the left mountain took his friend to the backyard, pointed to a well and said, in the past five years, I have taken time to dig this well every day after finishing my homework. Now that the well water has finally been dug out, I don't have to carry water down the mountain, so I can have more time to practice my favorite Tai Ji Chuan. ?
This short story tells us that a person should dig his own well and give himself a guarantee, so that even if he is really ill one day, he can still drink water and drink leisurely. In life, we don't really need to dig a well in our own home, but we do need to dig one for ourselves? The well of life is safe, because it can help us when we need it most. So we don't have to worry? How's life? It will dry up, because insurance is a sea of people's strength, rich in sources and wide in water system, which will nourish everyone who digs.
In the autumn of 20XX, the parents of a good friend of mine were admitted to the hospital one after another. Her father needed heart bypass surgery and her mother was diagnosed with pancreatic tumor. The cost of surgery alone is shocking.
When she saw her friend in the hospital, she was so tired that she almost collapsed. Looking at her hard work, I took out a little savings, but my friend said she could pay for the medical expenses, but it was a little tired to serve two people at once.
I looked at her stupefied. I am well aware of my friend's salary. How can she afford the medical expenses for two people at once? She seemed to understand my doubts, so she told me that she bought insurance for her parents a long time ago, and now the insurance company is discussing claims. Hearing my friend say this, my hanging heart was relieved. My friend took my hand and said, you have to buy insurance for your uncle and aunt early, or it will be late if the accident comes.
My friend's experience is a living example. As an only child, thanks to insurance, her financial pressure was relieved, and insurance played an important role at the critical moment.
Walking out of the hospital, I looked not far away and happened to see a well. I think insurance is really a bite? Hmm? It will nourish everyone who digs. This is what friends get? Hmm? Care, just survived the immediate difficulties.