Nowadays, more and more people, after having certain financial ability, will want to buy commercial insurance to give themselves and their families more assurance in the future and to resist risk. When making such decisions, you will receive many different 自願醫保已知已有疾病 content, some people say to you to buy this one, some people say to you to buy that one. As a business insurance "amateur", when dealing with the various insurance products, but worried! How to buy insurance products more effectively? What pitfalls should be bypassed? If you master these 4 criteria for buying insurance, you will be less likely to make a mistake!

Four proposals for buying insurance should be kept in mind.

01 Insurance for adults first, then for children

The first to buy insurance for adults, and then to buy insurance for children, the natural cost of the budget is sufficient to buy together stronger. However, poor parents, in many cases, parents, do everything to children-oriented, to buy a lot of commercial insurance for children, while adults do not have an insurance policy on their bodies. As a result, when the father or mother, the mainstay of the family's economic development, has a serious accident, it is likely that the child will not be ensured. Since this commercial insurance is bought on the child, the child does not have the financial resources to renew the insurance costs, and it is possible that all the safety is paid out.

In fact, a true scientific study should prioritize the purchase of insurance on the mainstay of economic development. If you are the backbone of your family, you should also buy business insurance on yourself first, whether it is life insurance or accident insurance.

Between children and adults, it is advisable to give priority to adults with business insurance. For a family, the safety of the adults is the greater guarantee for the healthy and happy growth of children.

02 Personal safety first, then assets

Uncle Benshan has a classic line: "The greater sadness of life is that people are still here, but the money is gone." Therefore, life is the most precious, other can be diligently earned home. The first thing to consider when buying insurance is personal safety, followed by assets - in the case of insufficient budget, first buy suitable and sufficient commercial insurance for yourself and your loved ones, and only secondly for cars, houses and other commercial insurance. The situation today is that many people are too concerned about their luxury cars, luxury homes and villas, but often neglect our human body.

03 Commercial insurance is called "insurance", the emphasis is on ensuring

The function module of commercial insurance is to better ensure, if you buy insurance based on the point is to better earn money, then you are likely to think wrong.

If you are not willing to accept high-risk project investment, you can choose commercial insurance to give yourself an extra assurance; if the usual surplus money cleaning, proposed or preferable bank financial products. Like refrigerators and central air conditioning can cause cold, but the goal of cold is not the same, commercial insurance surnamed "insurance", you need to get a good basic assurance, such as major diseases, accidents, treatment, if there is unnecessary money, and then buy with-profits insurance.

04 Choose the right amount of insurance, pay the right insurance costs

The insurance amount is the amount of compensation that you can get after stressing the insurance, and the insurance cost is the money that you pay when you buy the insurance.

The average value of the treatment cost of an important disease is around 300,000-500,000 yuan, and the payout amount is too small to deal with specific problems.

The amount of life insurance is proposed to be the beneficiary's total income for 10-20 years to ensure that the quality of life at home will not be affected in the long term in the event of illness or accident. The amount of critical illness insurance is proposed to be the total amount of earnings for 5-10 years to compensate for the cost and damage to earnings during the treatment of critical illness.

The annual cost of insurance is proposed to be 5%-15% of the annual salary. It does not jeopardize all normal expenses of the family, but also has the necessary assurance

Posted by: arrowo at 09:53 AM | No Comments | Add Comment
Post contains 726 words, total size 5 kb.