1. Purchase should be in the following order: 1. Accident insurance (life insurance plus accidental medical hospitalization, etc.). ); Followed by health insurance (mainly major diseases and additional medical insurance, term life insurance) and old-age insurance (dividends, annuities, investments, etc.). );
2. Many consumers often buy insurance for their children first. Professionals suggest giving priority to people with higher family income (he is the pillar of the whole family); Secondly, women have relatively more diseases, so you can consider buying such "beautiful life" products; Finally, consider the children. Of course, if the economic conditions are acceptable, it is best for a family of three to buy together. In case of an emergency, it will bring life danger to the family;
3. The choice of insurance coverage should be based on the total family income and the risk coefficient of the insured's work (such as whether to drive, whether to have social security, urban insurance, etc.). ). The important reference index here is: 5%- 15% of the total annual household income is more suitable to pay the premium. It is generally recommended that the insurance coverage for people under 18 should not exceed100000 yuan, and that for those over 20 years old, it should be 200000 yuan. In the future, for every increase of 10 year old, the insured amount will increase by100000 yuan, reaching 500000 yuan at the age of 50. If you feel that the premium is expensive, you can attach a relatively cheap term life insurance product at the time of purchase.