The following suggestions are for reference only.

1. Identify the needs and see what the existing protection between family members is. On this basis, it is clear what the most fundamental needs of each member are. It is more effective and reasonable to plan commercial insurance on the basis of social security, and the two complement each other.

2. Determine the amount of premium expenditure, which is theoretically 65,438+00%-65,438+05% of the annual household income. In reality, specific problems need to be analyzed.

3. Determine the order of insurance, basically adults first, children later, middle rights first, the elderly and children are all under consideration.

4. The premium distribution of family members should first be insured for the main source of income, and the premium expenditure should also be tilted towards him.

5. At present, the mainstream types of insurance are guaranteed, dividend insurance and universal insurance. Conservatively speaking, customers are advised to make reasonable plans and choices according to their own conditions and needs.

6. At present, there are many life insurance companies in the market, and customers are advised to pay attention to the first echelon of the industry. After all, these well-known domestic insurance companies with history are more insurance.

7. Insurance should focus on protection, and then talk about other things, otherwise putting the cart before the horse is a waste of money. Focus on big risks, such as accidents and serious illnesses!

8. Don't pursue one step at a time, but plan step by step, orderly and effectively.

9. It is the most important factor to communicate widely with some professionals, seek help and choose the right agent as the long-term service personnel of the insurance policy.