1, adults first, children second (parents are children's greatest protection. Buy insurance, don't reverse your priorities. The same is true of the inheritance style. Everyone wants to give more to their children. But only with insurance can we fully protect ourselves, which is the embodiment of loving children. Please remember: parents don't have insurance, and children can't be guaranteed. Buying insurance only for children is the biggest misunderstanding of family insurance in China.
2. Guarantee first, then manage money.
3. The order of insurance is generally accident, life insurance, serious illness, medical care, education or pension.
4. Annual premium expenditure 10- 20% of annual income.
5. There is no need to buy it all at once. Accident insurance can be bought by the whole family. Others should be bought by the family first, and then gradually improved according to economic conditions.
If parents' protection is in place, consider children's insurance. Children's insurance should first consider social security, such as "one old and one young" in Beijing, which is the most basic guarantee and also belongs to the national welfare policy.
In terms of commercial insurance, children's insurance should give priority to accident and medical health insurance. After all, the most essential function of insurance is protection, and children's accidents and medical health should be given priority. As for education and marriage insurance, similar to compulsory savings, the amount of insurance depends on the financial affordability of each family. If you have strong financial ability, you can consider it at the same time.
Insurance, like dressing, must be tailored. It is important to establish a correct insurance concept before buying insurance. As for insurance, there is no good or bad, only suitable and unsuitable. It is easy to fall into a misunderstanding when comparing insurance types at first.
In order to obtain a scientific and reasonable insurance plan, it is suggested that you refer to the above insurance rules and follow the set scientific process to publish your insurance requirements anonymously through the "insurance bidding" function of the third-party Life Sky Insurance Intermediate Station (which does not belong to any insurance company and does not sell any insurance products, but is an interactive platform for insurance buyers and sellers), so that you can obtain insurance plans customized for you by different agents of major local insurance companies and choose them objectively without unnecessary interference.