Principle 1: insurance must be purchased with protection as the starting point. If you plan multiple insurances, you should first aim at the protection of major diseases and deaths, then consider the preparation of education funds and pensions, and finally consider choosing investment insurance.
Principle 2: Pension insurance should be planned as soon as possible. Until now, many people still believe that insurance should be purchased only when needed. This concept is wrong. The sooner you buy old-age insurance, the more cost-effective. When you get old, you will pay more for insurance.
Principle 3: The order of purchase should be adults before children. When planning insurance, life insurance should consider family support. Whoever is the breadwinner of the family should be protected first, so that in case the economic breadwinner falls, the lives of others will not be affected. When buying insurance, you should take the adults before the children, that is, parents should buy insurance first and then consider buying it for their children.
Principle 4: The premium ratio is 65,438+00%-20% of the annual household income. About 65,438+00% of the average family's annual income should be used to buy insurance. But this is not absolute. High-income people can increase the proportion appropriately, and low-income people can reduce it.
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