Extended data:
First, the tool of wealth inheritance.
Portfolio of wealth inheritance tools: Trust, insurance, lawyer and will constitute the four basic tools of wealth inheritance.
Second, the significance of insurance to the family:
Insurance can also play a great role in the family, and its significance is mainly reflected in the following aspects:
1, use small money to prevent risks.
Risk loss can be made up by saving, but this will mean that most of the funds are occupied. Buying an insurance only costs a little money and plays a very important role in times of crisis.
Insurance can stabilize the family.
If the economic pillar in the family unfortunately has an accident and loses the ability to work, if there is insurance assistance, the family will not affect the living standard of the whole family because of the collapse of the economic pillar. If you have an insurance policy, children can finish their studies without parents until they reach adulthood. If you have an insurance policy, people can continue to enjoy medical insurance even if they lose their jobs and income due to illness.
3. Plan family finance.
If a family's money is not planned, it is meaningless. Once something big happens, it will be impossible to raise funds. The operation of insurance funds in insurance companies can generate fixed income. Therefore, buy one or more insurances for your family in advance, so that when an accident occurs, you will not be at a loss because of money problems.
Third, the classification of commercial insurance
1, "insurer's" insurance
That is, we often talk about the four major personal insurances, namely accident insurance, medical insurance, critical illness insurance and life insurance.
2. "Property preservation" insurance
That is, property insurance, a common property insurance, is closely related to us ordinary people, mainly including auto insurance and family property insurance.
3. "Money guarantee" insurance
That is, financial insurance. Common financial insurance includes: annuity insurance, dividend insurance, universal insurance and investment-linked insurance.