Health insurance account-the economic pillar of the family should bear the family's life guarantee and provide a link between children and parents. In case anything happens, there must be a mechanism to take on family responsibilities instead of him (life insurance and accident insurance can be used). In short, as the mainstay of the family economy, we must insure the amount suitable for our living conditions and let social forces provide economic preparation for our health.
Personal accident protection account-every family member has the risk of illness or accident, so we should do a good job of risk prevention from now to the future, and build an umbrella for each family to prevent diseases and accidents, so that the life we love can live more carefree.
Old-age security account-the most important issue is old-age care. We need to provide a special and certain security for the elderly, so that our future life can have a better quality of life than ordinary social security, so that we can really get a sense of security after retirement.
Investment and financial management account-family idle funds need to do some financial management, which will spread time and have a negative effect. Only by rationally allocating assets and diversifying risks can assets be preserved or even increased. When you buy insurance, you can think of these four aspects and do them well, then you can resist risks.
The first account is the family income security account, which is a leveraged account. As the name implies, family income security is to ensure the economic income of the whole family. Usually, who is the main source of family income, this guarantee should be given to whom. Then the second question is how to establish this family income security account. Actually, it doesn't need much money. It is usually necessary to set aside 5% of the annual income to create a quota of 5-7 times the annual income.
For example, our family's annual income is 6.5438+0 million. In this account, we only need 50,000 yuan to achieve the quota of 5 million to 7 million. Because this is a leveraged account with small funds for large funds, its leverage ratio is basically around 654.38+0: 654.38+000.
When the economic pillar is severely disabled or dead, right? Perhaps the customer will say, unexpectedly, there may be some other factors. The customer is quite right. The reason why this account has such a high leverage ratio is that according to traffic statistics, the probability of risk is 5‰~ 7‰, and because the probability of risk is only 5‰~ 7‰, the funds we allocate in this account only need 5% of the annual income. Although the probability of accident risk is low, it is actually 50% for each of us, either it happens or it doesn't happen.