1, giving priority to safety issues.
Insurance can generally be divided into guarantee type, savings type and investment type, and the biggest function of insurance is actually protection. Buying guaranteed insurance is actually the origin of returning to insurance. Only guaranteed insurance can achieve higher protection at a lower premium, achieving the effect of four or two thousand pounds, and avoiding the risk that various risks will bring huge losses to family finances.
Accident insurance, major illness insurance and life insurance are all the protection needs that we should give priority to. Especially for low-income families, they should try their best to choose consumer insurance, such as consumer accident insurance cards, term life insurance and consumer critical illness insurance. After improving family security, consider saving or investing in insurance products.
2, the first main force, after adults, after children.
Many families take children as the key protection object and often buy a lot of insurance for their children, which is the most common mistake in buying insurance. In fact, parents are their best protection for children. If the child is at risk, it is an emotional loss, which cannot be replaced by any insurance compensation, and parents will not be interrupted by it. When parents take risks, their income is interrupted, and children who have no source of income really lose their dependence.
From the perspective of reasonable insurance planning, we must first consider the main force in the family to make money, and whoever makes the most money will be guaranteed first, generally speaking, it is dad; Then consider other adults, such as mothers who are housewives at home; Finally, consider the child's insurance. Moreover, the insurance of minors can be solved by consumer insurance cards, generally including life insurance, critical illness insurance and accident insurance, with comprehensive protection and low cost.
3. The insured amount is appropriate and the premium is reasonable.
Many insurance salesmen will ask customers how much they plan to spend on insurance at first, which is also misleading. I feel that the more insurance they buy, the better. To make insurance planning, we must first understand the financial situation of the family, then calculate the required amount of insurance, and then deduce the premium through the amount of insurance. The standard of insurance is generally that if there is a risk, the amount of claims can completely cover the losses caused by the risk. You know, as insurance for risk management, you buy too little to protect it; Buying too much will affect the quality of family life.
Generally speaking, what are we based on? Double ten principle? That is, the premium does not exceed one tenth of the annual household income, and the insured amount is ten times the annual household expenditure. The significance of the double tenth principle is that the premium does not exceed one tenth of the annual income of the family, so it will not affect the normal living expenses of the family; And the amount of insurance ten times the annual expenditure of the family can also ensure that the living standards of family members will not decline after the accident.
Of course, in the actual insurance planning, the double ten principle can only be used as a reference, and professional insurance planners will determine the amount of insurance and premium according to more indicators. For example, a child is five years old, and it will take 13 years to reach adulthood. At this time, the insurance amount can be calculated according to 13 times of the annual family expenditure, which means that the quality of family life will not decline until the child reaches adulthood. In addition, we should also consider the large debts of families, such as mortgages and commercial loans, and also use the corresponding insurance amount to correspond.
4. The product is not important, but the scheme is important.
Insurance salesmen usually brag about how great their companies are and how great their products are. In fact, almost all insurance companies have similar pure protection costs, only the differences in product design, packaging and insurance portfolio.
The protection needs of families are far from being solved by a simple insurance product. A well-designed insurance scheme can meet the needs of families at a reasonable premium. This is the real cow B!
Insurance plan should keep pace with the times.
Insurance plans are not immutable. We should adjust our security plan at different stages of life. For example, young people entering the workplace should give priority to low-cost accident insurance and health insurance; After getting married, we should consider ensuring higher life insurance and major illness insurance; Stable middle-aged families can consider insurance with certain financial management functions.
In addition, with the passage of time, the insured amount will gradually increase. Today's 0.2 million/200 thousand may be able to treat early major diseases. What about 20 years later? The value of 200,000 yuan may be equivalent to 1 10,000 yuan today. So, don't say that you have bought insurance. It is best to do an annual inspection of the policy every one or two years to check for leaks and fill gaps.
Finally, I have to say that there are not many insurance planners in the domestic insurance market who can help customers design family insurance plans in full accordance with the above principles, because the existing insurance planners are basically salesmen of various insurance companies, representing the interests of insurance companies, and it is impossible to objectively and neutrally evaluate all insurance products in the market, and more importantly, to promote their own products. In this case, consumers can only learn relevant insurance knowledge independently, design insurance schemes and choose insurance products.