Should I buy insurance? Should I buy insurance or not?

It is really necessary to have insurance for yourself and your family

Some people feel that they are very healthy, and there is no need to buy insurance at all, and they probably can't use it if they do. But as we age, so does the risk of disease, and we may be at risk of accidents every day, especially if we are on the go for a lot or on a business trip. Without insurance, an accident or illness can cause mental damage and financial loss to the entire family.

In the configuration of insurance, we should put protection first, if an accident leads to disability or illness, accident insurance can pay the corresponding insurance benefits for disability, medical insurance can reimburse medical expenses due to illness, and critical illness insurance can be used as a ** after the ** expense or due to illness caused by the loss of income to make up.

If you don't know whether to buy insurance or not, you can take a look at this article: Should you buy insurance or not? If you don't take risks, isn't the money spent in vain?

Buying insurance doesn't have to be in place in one step, you can slowly configure the protection step by step.

Yes, we canBuy critical illness insurance, medical insurance, and accident insurance first, and then buy life insurance。Insurance can not only meet our protection needs, but also meet investment needs. If the financial conditions allow, we can also configure a copy for ourselvesPensionand plan your retirement life in advance.

If you don't know how to buy annuity insurance, you can take a look at this article: Learn this trick! Stay away from the pit of 99% of annuity insurance!

It is important to remember that there is a principle when buying insuranceFamily pillar first, then other members。After the family pillar is equipped with insurance, we can consider purchasing it for the rest of the family. If you don't know what to buy, you can take a look at this article, not only adults, but also families can find a suitable plan here:

How to buy insurance for different age groups? Everyone deserves an exclusive insurance plan!

Hope! <>

Insurance should be bought, assuming that you suffer from a critical illness, you can only sell your property in the face of the high medical expenses you need.

If you buy critical illness insurance, when the insured suffers from a disease covered by the contract and meets the conditions for claims, you can get a lump sum of insurance money, which can help the insured transfer the economic risk caused by the critical illness.

It is necessary to buy insurance, which is equivalent to reserving a reserve fund in advance, and when the risk comes, if the conditions are met, the insurance company will pay you the corresponding insurance money, which can reduce some economic pressure to a certain extent. So how should you choose insurance? Senior sister has compiled a pit avoidance guide for everyone, interested friends can take a look:

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

Moreover, people live a lifetime, no one can guarantee that they will never get sick, never have an accident, if unfortunately suffer from a serious illness, such as cancer, the cost of ** is very high, the average ** cost is 300,000 to 700,000, and not counting the follow-up ** costs, lost work expenses and so on.

If you buy a critical illness insurance and meet the claim conditions, the insurance company will pay you a sum of money directly, which can also greatly reduce the pressure of medical expenses. I have screened ten excellent critical illness insurance for you, you can refer to it: Top 10 popular critical illness insurance points worth buying!

For accidents, we are beyond our control, and we don't know when it will come, accident insurance usually covers accidental medical treatment, accidental death or disability, if an accident insurance is configured, it can solve the problem of medical expenses caused by accidents, and if you unfortunately die or become disabled, you can also get the corresponding compensation. However, the insurance that needs to be purchased for different ages is also different, and the details can be stamped: How to buy insurance for different ages?

Everyone should have their own plan.

Under the financial crisis, you should put your money in the insurance company, safely! Guaranteed! You're good and want to get out.

In fact, it is safer to lend money to insurance companies than banks, and Chinese law has relevant provisions that banks can go bankrupt without paying back a penny. The Chinese Life Insurance Company cannot go bankrupt and can be merged and taken over, with a maximum loss of 10% for individuals.

Do you think it's not safe to put money in insurance companies, so where is it safe? Dig a hole and bury it? If the ** is all poured, the banknotes in your hand can be said to be a pile of waste paper!

If you look at the United States, many banks have collapsed, and the United States will not save it, but it will also save AIG AIA, the world's largest insurance group.

As for the surrender of the policy, if you pay it for 10 years, it will not be only 2-3 percent. This is the case for the first year of surrender.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

It is necessary to buy insuranceSince birth, we are exposed to a variety of risks: accident risk, disease risk, death risk, etc. And insurance can hedge us against risks.

So, what insurance should we buy?

Daddy thinks that it is enough to buy four major types of insurance:

1.Critical illness insurance

As the name suggests, it is critical illness insurance, which provides protection for critical illnesses such as malignant tumors and acute myocardial infarction.

Adequate critical illness insurance can not only provide us with a sum of money to cover huge medical expenses in the event of a critical illness; It can also provide us with a portion of the loss of income during the **, ** period.

2.Medical insurance

The main role of medical insurance is to solve medical expenses and is an important supplement to social security. For more medical insurance products, you can click here to learn more. Which one is better for million medical insurance? How much is it a year? 》

3.Accident insurance

I don't know which one comes first, the accident or tomorrow" is the best interpretation of the accident.

Risk is everywhere, and who can guarantee that they will never have an accident for the rest of their lives? In the event of an accident, an accident insurance policy is essential.

4.Life insurance

Life insurance is a kind of insurance that takes life and death as the object of insurance, and is the responsibility of each person to himself and his family.

Daddy concluded:

In general, it is still necessary to buy insurance, which can protect our lives.

Let's first think about it, what if you don't have insurance, what if you have a serious illness? In order to cure the disease, it is inevitable that a huge amount of money will be needed. To raise this money, the usual solution is as follows:

Access to personal savings.

Use your personal savings: You don't have enough money or you can't come up with that much cash at a moment's notice.

Lending money to relatives and friends: There is no filial son in front of the long hospital bed, and it is a problem to not be able to borrow.

Fundraising for strangers: Relatives and friends may not be willing to borrow money, and strangers are even less.

Seriously, there are two sides to the coin, and maybe many people will survive their lives even if they don't have insurance. However, there are many people who get sick because they are worried about the importance of insurance.

The risks in the future are unpredictable, and every family has different choices, but a policy change not only provides peace of mind for the family, but also protects the family's future. If that's the case, I'm willing to trade a little bit of the present for 100% of the future.

Insurance protects the economic losses caused by the risk when the risk comes, and the vernacular is the stop loss.

As for whether you should buy or not, you need to ask yourself, what are your worries about the future? For example, medical expenses for illness, total disability due to accidents, loss of financial support at home, who will take care of children's education and life, and what kind of retirement life do you want to live in the future? Wait a minute.

If so, ask yourself if you can take these risks, or if there are any other ways to do it? Finally, ask yourself if you don't have it, are you willing to use insurance to solve it?

How much to buy, it's good to think about, but you still need to imagine how much money you'll need to hold on to when a risk comes. All aspects are considered, then this money is how much insurance you want to buy.

If you feel that you will be safe, healthy, and worry-free for your whole life, and you don't need to leave any money for your lover and children after your death, then there is no need to buy insurance.

To buy insurance or not? Varies from person to person, insurance is a risk protection and exists, a discipline, the earliest ** in the UK fire insurance, and then continued, developed into a discipline, now has risk protection, recovery of production, social security, a number of functions, is not to buy insurance? You need to decide according to your risk control ability, pay attention to insurance, not savings, and don't be fooled by some salesmen.

As for the question of whether you should buy insurance, you should actually ask yourself, which has to be judged and made according to your own needs.

Before giving everyone the functions of popular science insurance and how to buy insurance, it is recommended that everyone read through the basic knowledge of insuranceBefore buying insurance, you must first understand these key knowledge points!

The role of insurance is to transfer the economic risks of various situations.

For example, if the insured is sick, you can try to use critical illness insurance to transfer the economic risk caused by the illness, and use medical insurance to try to reimburse the medical expenses incurred. If the insured suffers an accident, the accident insurance can provide corresponding compensation according to the protection liability; In the unfortunate event of the death of the insured, the life insurance policy can pay the death benefit to the beneficiary to transfer the financial risk to the family after the death of the insured.

The protection function of different insurance companies may not be the same, but the function is similar, that is, to transfer economic risk.

For people who have insurance protection needs, it is actually a very good choice to obtain the means to transfer the economic risks caused by unknown situations by purchasing insurance.

However, for people who do not have insurance protection needs, especially those with very surplus economic strength, if the purchase demand for insurance is not high, then it is okay not to buy insurance.

In general, whether or not to buy insurance varies from person to person.

Speaking of which, there are actually great differences in the insurance allocation plans of different age groups, and we can understand them through this evaluationHow to buy insurance property judgment for different ages? Everyone should have their own plan. Hope!

Insurance is the umbrella of your future life and family, and it is necessary to ensure your future life when you are interested in coming to the country.

Insurance can be bought, and its essence is to use a small amount of affordable money to transfer risks that cannot be tolerated in extreme cases. For ordinary families, insurance can play a role in protecting against risks, and the lower the income, the more protection insurance is needed. For example, if you're the breadwinner of your family or have a mortgage, you'll want at least life and health insurance.

If you are rich, then you don't need to buy it, and if you are a common person, it is recommended that you buy it as well, so that there is something that can reduce a lot of burden.

Insurance should be bought, buy insurance, do what you can, if you have money and rich money, you can buy some, you can also, if you don't have money, I don't recommend buying it.

I think personal safety insurance and sickness insurance need to be bought.

Personally, I think that if it is commercial insurance, it must be understood.

In modern society, insurance has become a necessity for people's family life and an inevitable part of social development.

If you really understand the meaning and function of this financial instrument, you will definitely feel good; If you simply look at a product with a lot of technical terms, or from some half-understood so-called introduction, you may feel bad.

In fact, insurance is a specific amount of money given to you at a specific time, just because you have made arrangements earlier, do you like this money, okay?

How to buy insurance, the most thoughtful hole to prepare professional things to professional people, find a reliable insurance consultant, understand the needs clearly, classify and choose, and then shop around, you will be able to find a suitable combination of solutions.

I will also buy some insurance for myself and my family, such as medical or pension insurance, but I have never seen it, the terms of the insurance because the content is very much, so I am afraid of trouble, I have never seen it, but later, because I need to make a claim, I was told that it does not meet the terms and conditions inside, so I have paid great attention to the terms since then, and some insurance in the future, I will understand the terms and then go to insurance, I also found a lot of unreasonable terms.

If there is a problem after the insurance, when you need to make a claim, don't tell that there are provisions in the terms, you can't make a claim in this case, so I was also surprised at the time, I don't know how to be good, I think when there is a problem with the insurance, you should make a claim, I think this is a very simple thing, I didn't expect it to be so complicated, I think the most unreasonable one, the clause is the wait-and-see clause. The wait-and-see period refers to a period of time after the insurance contract has come into effect, and the insurance company will fulfill its liability to pay for the medical expenses incurred by the insured due to illness. Insurance companies have a wait-and-see period when underwriting health insurance, and according to different types of insurance, there are two kinds of wait-and-see periods: 90 days and 180 days from the effective date of the contract, and the insurance company is not liable for the medical expenses incurred during the wait-and-see period.

It is because I did not read the terms and conditions that I did not get the claim, which may be the reason why I did not read the terms carefully, and there are also reasons why the salesman did not inform in detail, so this is just a lesson, from now on I will buy some insurance that suits me, but in this process I will read the insurance terms in more detail to see if there is that kind of overlord clause in it, if there is, I will be resolutely assured.