How to buy insurance for the breadwinner? Solve

The adult world has never been easy."

This is the deepest feeling of our generation of middle-aged people.

As the breadwinner of a family, you have to face pressure from family and career every day when you open your eyes.

In the family, there are old and young, and this situation is like a "sandwich biscuit", which often overwhelms people.

In the workplace, I am facing the pressure of performance and leadership, and I dare not relax at all.

Therefore, this session of "family economic pillars" is too difficult.

If something goes wrong at work or in a bad physical condition, the whole family will come to a halt.

Risks to the breadwinner of the family.

Here I would like to remind you that when we prevent risks, we must gradually allocate from basic risks to high-end risks.

After all, life and health are the most important things in our lives, and everything else is secondary.

What types of insurance should be purchased to deal with risks?

In view of the risks faced by the breadwinner of the family listed above, let's talk about what types of insurance can transfer these risks.

1. Life insurance. Life insurance is a kind of insurance that takes the death of a person as a condition of compensation, whether it is due to illness, accidental death or natural death, or even suicide after two years of insurance, life insurance can pay out.

That is, we often say "life is not guaranteed", which is a necessary insurance product for the breadwinner of the family's economy.

There are two types of life insurance: term life and whole life.

Whole life insurance will definitely be compensated, but term life insurance is guaranteed to a certain number of years, such as choosing to be insured until the age of 60, if the insured lives to the age of 70, he will not be able to get a claim, and if he dies before the age of 60, he can get a claim.

Whole life insurance is sure to be compensated, that is, it has a savings function, so it is relatively more expensive than a regular term.

If you have a good budget, then it is still advisable to buy whole life insurance, after all, it is a property left to future generations and there is no need to pay taxes.

If your budget is not very sufficient, then Daddy recommends that you can buy term life insurance, although it is not guaranteed for life, but it can protect you from the stage when your family responsibilities are heaviest, after this stage, the children can be self-reliant, and naturally there is no need.

2. Critical illness insurance.

Critical illness insurance, also known as critical illness insurance, is a type of insurance that covers specific critical illnesses.

These specific critical illnesses generally have a high incidence rate and high costs, and the insured amount of critical illness insurance can effectively solve the family financial problems after severe illness.

Critical illness insurance is a benefit-type insurance, and when the claim conditions are met, the insurance company will directly lose money, and there is no need to reimburse with invoices like our medical insurance, and there is no restriction on the use of this compensation, and you can use it at will after getting the money.

3. Medical insurance.

Medical insurance is a kind of insurance used to make up for the cost of hospitalization, which is reimbursed after seeing a doctor first, and the reimbursement money cannot exceed the actual cost of seeing a doctor, and most of them will have a deductible of about 10,000 yuan.

4. Accident insurance.

Accident insurance covers risks such as death, disability, and accidental medical treatment caused by accidents.

When buying accident insurance, it is important to look at accident medical care, as this is the money we are most likely to use.

Term life insurance is generally recommended to be allocated to the family pillar, and a few hundred yuan can buy more than one million yuan of insurance, and the leverage is extremely high. Assuming that you unfortunately die or lose your ability to work, you can at least ensure that the car loan and housing loan can be repaid effectively, and the children's education and elderly support will not be affected.

To buy insurance for the breadwinner of the family, the difference between families with different incomes is different in terms of economic conditions and insurance needs, so the insurance that needs to be configured is different.

If it is a low- and middle-income family, we should consider allocating insurance to the family, for example, the couple can configure critical illness insurance, medical insurance, accident insurance and life insurance, while the children can be equipped with children's medical insurance, critical illness insurance, medical insurance and accident insurance. The elderly can be equipped with cancer insurance, nursing insurance and accident insurance. The senior sister has compiled a family insurance plan, interested partners can take a look:

3 sets of plans, complete with the family's insurance.

If it is a high-income family, then in addition to configuring basic protection such as critical illness insurance and medical insurance, we can also configure some financial insurance, such as annuity insurance and increased whole life insurance.

Annuity insurance is mainly through the payment of premiums, after reaching the agreed age, the insurance company pays insurance benefits on a regular basis. Annuity insurance can protect your future life, and you can receive a lump sum of money on a regular basis as pension expenses or education expenses, etc.

Incremental whole life insurance is to protect the death of the insured, and the effective sum assured will increase year by year, and the longer the insured survives, the higher the value. When the insured person passes away, he or she can leave a sum of money to pass on to his or her family.

If you want to know more about or buy increased whole life insurance, then you can read this article: freshly baked! Don't miss out on the top 5 high-yield incremental whole life insurance!

In addition, we should also pay attention to the premium and the amount of insurance when buying insurance.

It is generally recommended that the annual family premium should not exceed 20% of the annual income, if the premium is too high, it will affect our living standards.

As for the amount insured, you should also choose the appropriate amount. If the sum insured is too high, then the premium will also be high, which will cause a greater financial burden. If the sum insured is too low, it may result in the amount of compensation not fully covering the financial loss.

Different types of insurance have different insurance amounts, for example, critical illness insurance, it is recommended to have more than 300,000 yuan, 500,000 yuan is moderate, and 600,000 yuan can also be considered for higher income. If you want to understand the coverage requirements of other insurances, you can read this article to understand: How much insurance is appropriate?

Let's talk about the doorway inside.

Most of us are accustomed to thinking that "only the elderly, infirm and young children in the family need insurance the most." "And in fact, insurance is about protecting a person's health and economic value. For a family, the person with the most economic value is the financial pillar of the family, and his health is related to the stability of the whole family.

Imagine what happens when the breadwinner of the family suffers from accidents and illnesses, or when income is suddenly interrupted. Elderly parents need to be supported, and young children are growing up with their parents, and this kind of misfortune will certainly affect the standard of living of the family. Therefore, it is imperative to buy insurance for the breadwinner of the family.

What is the best coverage for children's critical illness insurance? Which cost-effective lead cracks are high? Which one is the best to buy?

Let's take a look at the top 10 insurance companies that are hot-selling children's serious illness and critical illness insurance.

Buying insurance for the breadwinner of the family transfers the risk

The breadwinner of the family buys insurance exactly in accordance with the principle of insurance - the big first and then the young, that is, the adults first, then the children, the health first, and then the wealth. The breadwinner of the family is a family economy**, and any risk accident can be a fatal blow to the whole family, so it is necessary to prevent it from happening. Insurance can partially extend the life value of the breadwinner of the family, and can eliminate worries, fulfill commitments, and increase the sense of security for individuals and their families, which is the stability that everyone yearns for.

Therefore, by passing on the risk to the insurance company, the standard of living of the family members can be maintained to the greatest extent, and the insured can devote more energy to work. Which insurance company is strong, I just sorted out the relevant content, I hope it will be helpful to you: the latest list!

Ranking of the top 10 insurance companies in the country.

So, how does a family properly plan for insurance? Like everyone else, when planning for insurance, it is most important for the family pillar to choose a strong insurance company and the right insurance products. When choosing an insurance company, the most important thing to consider is the strength, reputation, solvency, company reputation and so on; When choosing an insurance product, the first thing is to effectively determine the protection you need based on your family's financial situation, and then designate a reasonable insurance plan.

The following is proposed by insurance experts.

How can different families buy insurance for their breadwinners?

1. For ultra-high-income families, insurance planning is mainly to use insurance to diversify investment risks, increase investment portfolios, and reduce inheritance losses (China's draft inheritance tax is under discussion). Insurance and wealth management are the safest and most stable, which can reasonably carry out asset planning and ensure wealth security; Kai Brigade.

2. For middle- and high-income families, insurance planning mainly uses insurance to carry out family security, children's education planning, and pension arrangements. The focus of insurance should be reflected in ensuring a superior quality of life, family protection, and investment and financial management. High-end medical insurance is more in line with the quality of health care, and family support can be considered;

3. For families with general income, insurance planning mainly uses insurance for medical protection, accidental disability protection, and death protection. The families of ordinary income recipients are less resilient to risks, and protection is most urgently needed. The focus of insurance should be reflected in alleviating urgent needs and ensuring basic livelihood.

1. When the family pillar purchases medical critical illness insurance, the sum insured should be twice the annual income. Suppose that in a family, the husband's annual income is 200,000 yuan and the wife's income is 50,000 yuan, then the husband should purchase critical illness insurance with an insurance amount of 500,000 yuan.

2. The content of the guarantee should be clear. At present, the risk of diseases suffered by the family pillar Ibkai is more, and it is necessary to buy suitable products in a targeted manner. It must include critical illness medical treatment and death benefit.

First of all, we need to conduct a risk analysis of the breadwinner of the family. There are four main types of risks for the breadwinner of the family: health risks, and the failure of the breadwinner of the family income due to health reasons. Then then the financial risk comes, once the family pillar goes wrong, the family finances will definitely be affected accordingly; After the financial risk of the family disturbance court is problematic, then the family responsibility risk corresponding to the family pillar will also follow, and the pension problem of the old slow family will be placed in front of him.

The situation of the old and the small is a problem that the average family economic pillar has to face. After understanding the risks faced by the breadwinner, we can begin to allocate the risks of the breadwinner.

The order of insurance allocation for the breadwinner of the family should be critical illness insurance, medical insurance, accident insurance, life insurance and pension insurance.

The specific amount of insurance for each type of insurance should be allocated differently according to the different economic conditions of each family. What suits you is the best, if you want to know more about the configuration method, you can flip through the previous issues of Baibaojun**, welcome to pay attention to learn more insurance knowledge!

Test your anti-risk index, experts will interpret it for you for free!

The breadwinner of the family is the person who should be the most secure in the family, in case the breadwinner of the family encounters an accident, a family loses a stable economy**. Insurances suitable for family breadwinners include accident insurance, term life insurance, endowment insurance, critical illness insurance, medical expenses and allowance insurance, etc. It is necessary to provide accident and health protection for the breadwinner of the family to cope with the biggest risk accidents, and then use annuity insurance to meet the financial needs of the elderly.

These different types of insurance are like a mountain lacking a net, protecting people's lives, property and finances.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"