Here I would like to introduce some knowledge about how to buy insurance, hoping to help you.
Five important principles of buying insurance for families
Nowadays, buying insurance for yourself or your family is one of the most common expenses for families. As an important part of family financial management, insurance has been paid more and more attention, but how to insure your family?
1, buy insurance for adults first. In contrast, there is a view that "buy insurance for children first". Many people have this idea and are doing it. According to a survey in a residential area in Beijing where the author lives, about 80-90% families have bought insurance for their children, but the parents of their children have not bought insurance.
Parents often think that children are not guaranteed and adults can protect themselves, so they buy insurance for their children; There are also many parents who are very emotional. They love their children very much, so they give them good things first. As soon as they heard that the insurance was good, they also bought it for their children first. They think it's delicious, delicious and fun. It is a big mistake to buy insurance for children first! It is understandable that these parents love their children, but they ignore the most important point: parents are their children's insurance! You can't care too much about children when adults are around, but the biggest risk for children is that their parents have an accident. Once this happens, have you thought about what your child will do? How many children have had a miserable childhood because of the sudden departure of their parents ... Case: Zhang is a businessman in Beijing, his wife is a civil servant and he has a 6-year-old daughter. Zhang's business is very smooth and his family conditions are excellent. This is a very happy family. 200 1, after repeated visits by an insurance salesman, he finally agreed to buy insurance from this salesman. He bought an education insurance and a dividend-paying pension insurance for his daughter. Although the salesman repeatedly told him to buy an insurance for himself first, he always said that it was enough to buy it for his children. In this way, he himself is out all day without any insurance. In the summer of 2002, when Mr. and Mrs. Zhang were driving on the expressway, they were hit by a car overtaking from behind, causing several cars to collide. They died on the spot, leaving their 7-year-old daughter behind. ...
In addition to the child's mother is a civil servant, 800 yuan has funeral expenses, and the couple have no life insurance for death. And the orphan girl's premium has no source at this time. Not only did she lose her parents, but her education insurance and old-age insurance were also interrupted, and no one paid any more, leaving her relatives to her grandparents. Comments: When a child suddenly loses her parents, she loses all protection, because her parents are her protection at all times. As the parents of children, you should think that you can take good care of them when they are together, but when both parents are away? Therefore, first of all, giving adults enough life insurance is a solid guarantee for families and children. One of the principles of family buying insurance: you must buy insurance (life insurance) for adults first, because adults are children's insurance!
Five Important Principles of Buying Insurance for Families (2)
Buy insurance for the breadwinner at home first.
When dealing with insurance agents, people often say, "I don't need insurance, but my wife and children need insurance most." . This is what many men think. When the agent talked to them about insurance, they waved their hands and said, "I don't need insurance." I have money. Even if you buy insurance, you buy it for your wife and children. " This is also a very common group. They are generally the main source of family income and the maintainer of family life. Many people have good jobs or small achievements in their careers. In their view, they are the head of the family, can earn money, and their wives and children are relatively weak in the family and need protection most. So it is natural to buy insurance for your wife and children first. Even when talking about specific types of insurance, such as medical and health insurance, they said: "My company has medical insurance, but my wife and children don't have much insurance. They need insurance most. " In fact, they are confusing the relationship between the strength and weakness of the family. From the perspective of income, they are "strong", but from the perspective of family, they are a weakness of family risks. Obviously, since it is the main source of family income and the economic pillar of the family, once the risk occurs, it will be the biggest blow to the family, so it is actually the economic pillar of the family that needs the most protection. When this economic pillar has the risk of accidents or major diseases, the main source of family income will be interrupted, thus reducing the quality of life and even leading to the collapse of family economy.
Case story:
Mr. Wang is engaged in building materials business in Shanghai, with an annual income of more than 500 thousand. His wife used to teach in a middle school, and he has a son of 10. The family lived a happy life. Later, because the child's tutor was always unsatisfactory, my wife simply resigned as a full-time wife at home and robbed her son's tutor. After many contacts with the insurance agent, Mr. Wang decided to buy several insurances for his family. But he put aside a 2 million life insurance plan designed by his agent and said, "I have security now, and my wife and children need security most now. Please design a plan for my wife and children. " In this way, Mr. Wang finally bought a critical illness insurance for his wife and an endowment insurance, and an education fund insurance for his children, with an annual premium of more than 30,000 yuan. And I don't have any commercial insurance. One day a year later, while driving through a construction site, Mr. Wang was hit by a brick that accidentally flew down from the iron frame. The car lost its way, crashed into the wall and died on the spot. After learning the bad news, his wife cried to death ... except for the limited compensation at the construction site, Mr. Wang didn't get any compensation behind him. The sudden departure of Mr. Wang is a heavy blow to this family. Mr. Wang has many business partners in business, but after he left, all the people who owed him money disappeared, but all his creditors came to the door, and the cash at home soon disappeared, so his wife had to sell the house to pay off the bill. Mrs. Wang suddenly became homeless from food and clothing, not to mention the hardships of life. The insurance my husband bought for himself and his children more than a year ago 10 has become a huge financial burden, and she must pay it back. ...
Comments:
For a family, protecting a family's economic pillar is to protect a family. This case has taught us a profound lesson! Because the economic pillar is too important for a family, who should be insured the most when making insurance planning? Who is the first to insure? That is the man who brings the main source of income to the family. As for the economic pillar itself, it is your responsibility to make full preparations for your family, especially when you can't make money. Life insurance is the best life safety barrier for your family. If this order is reversed, the insurance you give to the so-called "people who need insurance most" will not only have no effect after the pillar risk, but will become a heavy burden on the family. The second principle of buying insurance for the family: buy insurance for the economic pillar of the family first, and protecting the pillar is to protect the family.
Five Principles of Family Insurance (3)
3. Buy accident insurance and health insurance first. Many people ask, "What good insurance do you have there?" Usually what they call "good insurance" refers to investment insurance, and what they call "good" refers to good return on investment. These people generally have investment experience, including the use of stocks, funds, bonds, futures and other investment methods. Especially when they heard that some investment insurance has stable income, it seems that they have placed great hopes on this "new" investment and financial management method. This is why dividend insurance was so popular when it first appeared in China. When many people heard that insurance can also be used as an investment, their eyes suddenly lit up, and the most primitive protection function of insurance was thrown outside the cloud nine. Up to now, there are still many people who have a special liking for dividend insurance, investment-linked insurance and universal insurance, and then there are education insurance and endowment insurance with certain savings function, but they pay little attention to health insurance, life insurance and accident insurance.
The three major risks in life: accident, illness and old-age care are the most difficult to predict and control, and the significance of insurance protection is largely reflected in these two types of insurance. However, many people think that the premiums of these two kinds of insurance are often gone forever, or rarely come back, not investment, or "very uneconomical", so the most guaranteed insurance has not been paid enough attention. So when the real risk comes, many insurances are "useless", which leads some people to fall into a misunderstanding of insurance, which is actually a misunderstanding of insurance.
Scientific insurance planning should start with accidents and health insurance. With these basic guarantees, consider other types of insurance. That is to say, if there is no commercial insurance, you should generally buy insurance in the following order: accident (life insurance) → health insurance (including major illness and medical insurance) → education insurance → pension insurance dividend → investment → universal case story: Xiao Zhang is a 27-year-old young white-collar worker who just took the third job. Because of his financial background, Xiao Zhang is interested in investment and financial management, and he is also concerned about some financial products.
In 2003, one of his college classmates entered an insurance company to do business, and soon found Xiao Zhang and recommended two best-selling insurance products of his company, one health insurance and one financial insurance. Xiao Zhang focused on financial insurance. He listened to his classmate's business manager's analysis of this financial insurance, and compared it with similar products. He found it was very good, so he spent four or five thousand yuan to buy a financial insurance instead of health insurance.
In the summer of 2004, Xiao Zhang had a period of abdominal discomfort. He went to the hospital for examination and was told that there was a shadow in his kidney. He was recommended by the doctor to have a tumor physical examination, and was later diagnosed with kidney cancer. This is a great blow to the young man and his poor family! At this time, he remembered an insurance he had bought, but as soon as he turned it over, he regretted it: he bought financial insurance, not major illness insurance. ...
The family finally got enough money for the operation, but at this time his financial insurance didn't work at all, and he was still worried about the premium for the coming year. At that time, Xiao Zhang's idea was simple: I am still young and in good health; That financial insurance is really good. But this is a big lesson for him. His young life is about to be insured, because he can't buy insurance when he is seriously ill. ...
Comments:
The financial management we are talking about now actually takes three steps. The first step is to transfer risks, that is, insurance protection, which is a foundation. Do other consumption arrangements and investment and financial management after doing insurance protection. Investment without insurance protection is like a castle in the air, which can't stand the wind and rain. Therefore, when choosing insurance, it is scientific financial management to choose accidents and health first, and then choose risks such as education and old-age care.
The third principle of family buying insurance: in terms of insurance, accidents first, then optional insurance such as health, education and old-age care!
Five Important Principles of Buying Insurance for Families (4)
4. Insurance before buying a house
"I want to save money to buy a house now and buy insurance after buying a house and a car." This is what many people in their thirties who don't have a house often say to insurance agents. There is also a saying like "I don't have spare money to buy insurance now". In their view, insurance is a luxury consumer goods, and there is no hurry now, or insurance is consumed by the rich.
In fact, this concept is very incorrect. Insurance is a necessity of life, and it is not needed until life is well-off or even better. Insurance is a good means to transfer risks, and risks only appear when you have a good life.
Nowadays, housing, car and insurance have become the "three big things" in our life in the new era, among which insurance is the most important. Scientific financial management. Insurance should be bought before the RV. As we all know, you can't go on the road without insurance, so why buy insurance before buying a house? This is a familiar story. ...
Case story:
My father and mother died in a car accident in Lausanne and were forced to return to Tibet.
1995101October 2, drunk driving in Lausanne. Because of the fast speed, he ran into a big truck parked on the road and being repaired. Due to his injuries, he died immediately at the age of 27.
Boleyn, the owner of Lausanne, recalled: "On the night of the incident, Lausanne had dinner with her parents and was very happy. When he left, Lausanne left his mobile phone with his parents. There was a pager looking for him on the road, and there was no call back on the roadside. He may be in a hurry. In addition, just came back from the performance, he is tired ... "
After settling in Lausanne, he came to Beijing with his parents in Tibet. At first, he rented a house. Later, when the conditions were slightly better, he borrowed money to buy a house. Until the accident, his loan was paid off a few years ago. After the accident in Lausanne, his parents not only suffered the pain of losing their beloved son, but also suffered the pain of being forced to return to China. Because after the accident in Lausanne, the mortgage could not be repaid, and the two old people had no source of income, the bank took back the house.
Comments:
This case is special. Lausanne is a drunk driver. Because drunk driving is an exclusive responsibility, even if there is insurance, it will not be paid. But the old father and mother in Lausanne were forced to return to China, which gave us too much thought.
If there is no insurance after buying a house with a loan, it is very unscientific and dangerous. I believe that many people who just bought a house have already felt the pressure. They lived a free life before buying a house, but the pressure increased sharply after buying a house. Why? A 20-year mortgage means that your work can't be interrupted in these 20 years. Once your income is interrupted by an accident or illness, your stress will be even greater. And no one can guarantee that you won't get sick or have any accidents in 20 years. If there is a serious personal accident, such as death or disability, the income will be interrupted forever. At that time, if there is no other way to recover the house, your family will suffer the most.
Generally speaking, you can have as much life insurance as you want to repay your mortgage. For example, if your mortgage is 300,000 yuan, then you need at least 300,000 yuan of time deposit or whole life insurance to prevent personal risks during repayment. If you can buy health insurance at the same time, it would be better to do a good job in health protection.
The fourth principle of buying insurance for your family: you must buy insurance before buying a house to protect yourself and your family!
Five Principles of Family Insurance (5)
Young people should also buy insurance.
According to the statistics of people who have bought insurance in major cities, people who buy insurance are mainly in the age group of 30-45. They either buy insurance for themselves or their families. Young people in the 20-30 age group, including college students who are not yet independent and graduates who have just left society for a long time, rarely choose insurance. They usually think that they are young and healthy and will not get any diseases, but they feel that accidents are far away from them, and other risks, such as providing for the aged, are far away from them, so they don't need insurance.
But now we see that major diseases are getting younger and younger. More than 20 years ago, when we heard that someone around us had cancer, we were all surprised. But now, you won't be too surprised if we hear that a 2-year-old child has a malignant tumor. Nowadays, air pollution, food pollution, environmental pollution, too much pressure on students and many other reasons have become the incentives for the rejuvenation of major diseases. Poisoned leek poured out by pesticides, black-bone chicken raised by arsenic, fish fed by birth control pills, poisonous ham, poisonous pickles, etc. Let us be hard to guard against. There is a building in Beijing Children's Hospital that is almost full of small patients with major diseases such as leukemia and malignant tumor, and the news of college students suffering from major diseases is also frequently seen in major media.
In such an environment, on the basis of preventive health care, we should also make a good plan just in case. You shouldn't expect that one day all the sky will be blue, all the food will be safe and life will be stress-free. One of the preparations you have to make is, in case of serious illness, where will the medical expenses come from?
Case 1:
On February 1 day, 2005, Jinghua Times published such a news: "500,000 medical expenses threaten blood tumor teenagers".
A college student who has participated in international football competitions on behalf of his country for many times and achieved excellent results was diagnosed with acute myeloid leukemia. Niu Jian, 22, hopes that the society will lend a helping hand to keep his life going. Niu Jian is currently being treated in Peking University Third Hospital.
Niu Jian is a 2002-year-old student of the School of Humanities and Development of China Agricultural University. Participated in the China-Japan-Korea Youth Rugby Championship, Asian Rugby Championship and other major competitions at home and abroad, and became a reserve member of the national team from a national youth player.
In September, 2004, Niu Jian, who had been in good health, gradually felt tired at the first World University Football Championship held in China Agricultural University. When I returned home to rest in Shijiazhuang, I was examined in the Second People's Hospital of Hebei Province, only to find that I had acute myeloid leukemia named "blood tumor".
The attending physician told Niu Jian's parents that the most effective treatment for leukemia at present is hematopoietic stem cell transplantation. Doctors found that 5/6 cows in Niu Jian's mother have genetic overlap points, so they can have hematopoietic stem cell transplantation and have surgery as soon as possible. "Niu Jian is very large, and the most conservative estimate is more than 500,000." For Niu Jian, whose parents are ordinary workers, the cost is astronomical. Niu Jian's teammates, classmates and teachers all extended a helping hand. Although 50 thousand yuan has been raised for him, it is only a drop in the bucket compared with the 500 thousand yuan needed for the operation.
Case 2:
June 65438+1October 65438+July 2004, Liu Hongbin, a student of Beijing Jiaotong University, died suddenly in the 2004 Capital University Marathon Challenge.
On October 20th, 65438/KLOC-0, teachers and students of Jiaotong University held a memorial service for Liu Hongbin. "Life is fragile, so we can only live strong!" Between two trees in front of the experimental building of Beijing Jiaotong University, there is a mourning banner made by students for Liu Hongbin. Below the banner are notes written by students, paper cranes and white flowers.
On the issue of compensation after the "marathon sudden death incident", the conditions offered by the school are "a * * * compensation of 40,000 yuan, which also includes all accommodation and transportation expenses of Liu Hongbin 10' s family during their stay in Beijing." If we deduct these, we may have more than 10 left in our hands. "Liu's father refused to accept such conditions at first. Liu Xizhen said, "We are farmers, and our family is not good. It is not easy to raise a child and send him to college. At home, I think I will rely on my baby to raise it in the future. Now that the child is gone, who will fill the hole in our future days, including pension? " Liu's father became more and more excited, while Liu's mother and aunt cried. ...
Perhaps Liu Fu didn't buy insurance for Liu Hongbin because his family's economic situation was not good, or because he didn't realize rural insurance, but through this incident, every young person can realize what insurance is. ...
Comments:
Risks always seem so ruthless. However, if it is too late to think about insurance when the risk comes, insurance is a scientific plan for a rainy day.
As young people or their parents, we should establish this risk awareness as soon as possible. On the whole, young people buy insurance for several reasons:
1, unexpected. Liu Hongbin's father raised this cruel question. He only has one son, and now his son has left unexpectedly. Who will take care of them when they are old?
Parents have worked hard to raise their children, and every child bears the responsibility of supporting their parents.
2. disease. As mentioned in the first case above, critical illness insurance can solve the risk of large medical expenses at critical times.
3. Scientific planning. It is foreseeable that there will be no insurance in the future. Then, since you want to get insurance in the future, it is better to get insurance now, when economic conditions permit (including young people with and without income). Because with the growth of age and premium, it is more "cost-effective" to buy insurance when you are young.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.