Several principles that should be paid attention to when buying insurance for children;
1. Change your mind: Don't think it's unlucky to buy accident insurance or critical illness insurance for your child.
Before buying children's insurance, we should first consider whether the protection of parents is enough. Parents are the most essential protection for children, so you should protect yourself first.
3, accident insurance, critical illness insurance, education annuity insurance, as far as possible to buy comprehensive, if the family economic conditions are limited, even if the insurance coverage of each type is low, we should try to be comprehensive.
4. Ask the life insurance planner to help organize your child's insurance policy regularly. The products of insurance companies are constantly improving, and the financial situation of families is constantly changing. We should adjust the insurance plan according to the new situation. Insurance doesn't need to be done in one step. We should balance and choose appropriately according to our current economic situation and insurance demand level, and then supplement, adjust and improve according to our own situation in the future.
5. When choosing insurance, don't always focus on choosing a "cost-effective" or "cheapest" insurance. In fact, all products are carefully designed by the actuarial department of insurance companies and approved by the China Insurance Regulatory Commission. The price difference is mainly caused by the different coverage, so we should choose the most suitable insurance according to the family's economic situation.
6. No matter what kind of insurance, people with premium exemption function will be given priority.
7. Don't be too blind in premium expenditure. The cost of living will increase greatly in the future, so you should be prepared psychologically.
What kind of insurance to choose, you need to find a professional agent, through communication, let the agent design the protection plan according to their own characteristics, after all, you still have to do what you can to buy insurance, and what is suitable for others may not be suitable for you.