So how can high middle and low income groups utilize insurance as a financial tool for effective risk transfer and wealth accumulation?
1, high-income groups
Life risks
Income is much larger than average, there seems to be no risk at all, however, the reality is that the crisis is all over the place, and perhaps the money is not the core of their concerns, but health and safety must be the focus of their lives, the disease said to come, the death of said to appear, and once encountered, the direct result is the interruption of income. The first thing you need to know is that your income will be interrupted, and if you have no debts, it's okay, but if you have a huge bank loan, it's going to cause a break in your family's financial chain.
Required insurance
Accident insurance - all high net worth people need to configure a high amount of insurance
Critical illness insurance - a high amount of critical illness insurance to make up for the loss of income medical insurance - can be reimbursed outside the scope of medical insurance. -High-end medical insurance that can reimburse medication used outside the scope of medical insurance, and even medical insurance that enables travel to other countries for medical treatment.
Financial insurance - an appropriate proportion of financial insurance can ensure the continuation and inheritance of their wealth.
2, middle-income groups
Life risks
Strive for the top, more than the top, more than the bottom, this state increases their pressure, housing prices, health care, schooling, pensions, each of which is a matter of concern, and once there is a force majeure risk, the hard struggle for more than ten years, decades of income will be blew away, back to the previous poor life, the external Plus not yet finished mortgage, car loan, make life more difficult.
Required protection
Accident insurance - accident insurance to match the value of the body
Critical illness insurance - to avoid income disruption very physical nutrition rehabilitation costs
Hospitalization medical -share the loss of usual medical expenses
Annuity pension insurance - if there is still excess funds can be considered to supplement the old age
3, low-income groups
Life risks
Living environment Not good, do not dare to get sick, afraid of getting sick, sick or even delayed treatment, treatment may lose all their money. It is not easy to live in normal times, and the situation will become worse when you encounter any accidents and face the expenses that you have to spend.
Required coverage
Accident insurance, critical illness insurance, fixed life, social health insurance
We strive to optimize premiums and provide the most comprehensive coverage.
There are two things that are absolutely fair no matter what group we are in, one is illness and the other is accident.
No matter how much money earned, how high social status, once the accident and disease come, can not escape the clutches of risk, especially accidents, Hunan bus accident, Wenchuan earthquake, the high incidence of car accidents, which is negotiated with the rich, and which is specifically for the poor? As a natural person of society, we can refuse insurance, but must not refuse the emergence of risk.