Look at the insurance
Insurance can be divided into property insurance, personal insurance, liability insurance and credit insurance according to the different objects of protection. Property insurance, life insurance, liability insurance, legal liability and credit insurance. Most families need property insurance and life insurance.
There are three kinds of life insurance: life insurance, health insurance and accident insurance. Life insurance solves life and death, health insurance solves disease and accident insurance solves risk. In life insurance, the functions of life insurance include asset stripping, asset transfer and asset inheritance. Asset divestiture refers to strictly distinguishing the cash flow necessary for family private life from the cash flow of enterprises through insurance, and asset transfer refers to reducing taxable assets and increasing tax-free assets. The application of the principle of not blaming the public requires planning in advance to deal with possible tax risks in the future. Asset inheritance refers to the intergenerational inheritance of wealth by using the designated beneficial right of life insurance. How about China Life? I just sorted out the relevant contents, hoping to help you: How about China Life? Do you have any insurance recommendations?
Take this as an example. Different types of insurance have different functions. How to buy it depends on what protection you need most.
Four major accounts arrange insurance.
There is a common standard in the financial industry. Four major accounts of Poole Family Finance can help a family maintain a normal life. By arranging insurance through these four accounts, once an accident happens, you can also pass on risks through insurance to protect family finances.
1. Family income security account
In a normal family, as long as someone works, there will be income, but once something happens to the person with income, the income will be interrupted or dropped rapidly. At this time, you need a family income security account.
The family income security account is a standard leveraged account, which exchanges less expenditure for the future security amount. And this account should be based on the economic support of the family. The probability of death and disability is generally five to eight thousandths, so this account should be equipped with accident insurance, life insurance or whole life insurance. What are the accident insurance for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!
2. Family health insurance account
In today's society, with the rapid development, pollution is getting more and more serious, and the incidence of serious diseases is getting higher and higher. If a serious illness occurs, not only will income be interrupted, but medical expenses will also be paid.
Family health insurance account is also a leveraged account, which should be established on each family member. When establishing this account, the premium should be controlled between 10% and 15% of the annual income.
3. Savings account
Savings accounts can prepare for old-age care and education, which is a rigid demand. Education fund insurance is insurance for the purpose of preparing education funds for children. In addition to education funds, we should also consider inflation. Endowment insurance is an insurance for the purpose of preparing a pension fund for yourself. We must ensure that when we are white-haired and can't do anything, we have a sum of money to support our retirement. What kind of critical illness insurance are there for children? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.
4. Family financial accounts
Family financial account can solve the problem of investment and financial management, so that idle funds can maintain and increase value for a long time. Except stocks, funds, futures, bonds, etc. Insurance means is also very good, in addition to financial management, you can also take care of security. There are also many financial insurance, such as dividend insurance, investment-linked insurance and universal insurance.
There is no limit to the investment ratio of this account. You can take out idle funds to manage your finances, but you should pay attention to diversifying your investments and don't put your eggs in one basket.
To sum up, you can set up an account for your family according to the four major accounts of Poole Family Finance, and use insurance to plan the risks in your life.