Life insurance can be divided into life insurance, personal accident insurance and health insurance according to insurance liability. From the perspective of family financial management, it can be divided into security products, savings products and investment products.
Generally speaking, it is recommended that you pay attention to the following issues when insuring life insurance:
1, objectively analyze your insurance needs; An objective analysis of one's insurance needs is helpful to choose the appropriate life insurance. Typical guaranteed products include accident insurance, health insurance and term life insurance. Children's education and pension planning can be prepared by purchasing life insurance or annuity insurance. For example, dividend-paying old-age security, universal insurance, annuities and other products have certain benefits. Investment-linked insurance is suitable for insurance consumers who can bear higher risk coefficient, but not for short-term trading.
2. Choose insurance fees and payment methods commensurate with economic strength; Insurance expenses should adapt to consumers' own economic conditions, and it is generally appropriate to be between 5%- 15% of annual income.
3. When purchasing personal accident insurance, you need to pay attention to: underwriting age, occupational category, insured amount, compensation and liability exemption clauses.
You can refer to:
There are many specific insurance methods. You can choose to go directly to the insurance company for consultation and purchase, or you can choose to compare and purchase on the online insurance platform. I hope it helps you.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.