Insurance is not the more money you invest, the better. You just need to take out 10% of the insurance funds and keep 90% of the assets. \x0d\\x0d\ However, the order of buying insurance is as follows: First, we must guarantee products, including 1 and consumer products (accident insurance, term life insurance, etc.). ); 2, cumulative (whole life insurance, endowment assurance, etc. ). Then there is medical insurance (general medical care, critical illness medical insurance, etc. ), pension insurance, children's education fund, dividend-paying product investment, etc. \x0d\\x0d\ At the same time, the family purchase order is: 1, the economic pillar; 2. Your lover; 3. Family members without economic income, such as children and the elderly. \ x0d \ x0d \ Secondly, it is best to buy insurance on the basis of social security, supplemented by appropriate commercial insurance. \ x0d \ x0d \ For example, first buy social security issued by the state (preferably purchased by a company), such as cooperative medical insurance for rural hukou or medical insurance for urban residents for urban hukou, and then consider commercial insurance as a supplement. \ x0d \ x0d \ Thirdly, the insurance follows the principle of "high compensation first", that is, if the frequency of risk accidents is not high but serious losses are caused, priority will be given to compensation. \ x0d \ x0d \ its insurance cost is generally around 10-20% of annual income, and it is better not to exceed 20%. \x0d\ x0d \ here, I know that in this industry, there are three words: "brand is in life", "safe talents" and "products of Xinhua" \ x0d \ x0d \ Finally, we should pay attention to the insurance principle: \ x0d \ (1) Only when medical health is purchased can health be guaranteed. \x0d\ (2) Buying insurance pays less attention to words than contracts. Life insurance is generally a medium-and long-term contract. If you buy it, it will become a lifelong happiness, otherwise it will have a great impact. \x0d\ (3) Insurance products need to have the function of maintaining and increasing value. Now that living standards are getting higher and higher, inflation must be curbed. \x0d\ (4) To buy insurance, you must first protect the head of the family. If the main wealth creator in the family is not guaranteed, what is the premium? Living expenses? Family expenses are not guaranteed. \x0d\\x0d\ (5) Buy insurance before children. Adults are the best protection for children. It is meaningless to say that adults have no security and children have no insurance coverage. After all, adults are paying for children.