Help me analyze how I should buy insurance and manage my finances

Indeed, as I said upstairs, social security is only basic, and the amount of compensation is small, so the situation you said should not be able to meet your protection needs. I also think that it is good for children to buy children's education or accidental injuries, and the coverage of similar school insurance can be considered. Of course, you and your loved ones also need it, and you can choose from many options, such as participating insurance, accidental injury, medical treatment, critical illness, survival insurance, etc.

As for which insurance company to choose, I only use one sentence to say, "Ping An's talents, Xinhua's products" but not necessarily all of them, you can go to each insurance company to find out. In addition, if you have a deposit, you can consider learning some financial knowledge and personal finance.

The annual premium is about 10-15% of the annual income, which is reasonable!

The most basic insurance package for children, in a nutshell, a one-year-old baby example:

1. If you invest in education funds for children, pay a total of 100,000 yuan in 15 years, then you can receive more than 10,000 yuan when your child reaches high school and college, you can receive 50,000 yuan when you get married, and there are more than 70,000 yuan in the account at this time, if you receive a pension after the age of 60, you can receive more than 5,000 per month, and a total of 1.2 million in 20 years! After the age of 80, there are still about 200,000 in the account! By the age of 100, there will be 680,000 in the account!

Get your premium back every 3 years!

2. In addition, there is a comprehensive accident hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements, and the waiting period for hospitalization is only 30 days!

Commercial pension insurance, in a nutshell, 25-year-old example:

1. Choose investment and financial dividend-paying pension insurance, and the long-term considerable rate of return is considerable!

2. Suppose you apply for a pension insurance with financial dividends, the amount of insurance is 50,000 yuan, and the guarantee is lifelong, and it is saved for 15 years, with a total of 80,000 yuan! 8% of the sum insured every 3 years, for life! Then you have 350,000 yuan in your account when you are 59 years old, 20,000 yuan a year for a pension at the age of 60, a total of 400,000 yuan in 20 years, 160,000 yuan in the account when you are 80 years old, and 550,000 yuan in your account at the age of 100!

3. Additional regular repayment critical illness insurance and comprehensive accidental hospitalization medical insurance! Reimbursement for all accidental hospitalizations and medical malpractice is included! There is no limit to the number of reimbursements.

Of course, commercial insurance is a supplement to social security!

General Principles for Purchasing Business Insurance:

1. Adults first, then children (Parents are the greatest protection for children.) Buy insurance, don't reverse priorities. Parents all over the world have the same heart, and everyone wants to give more to their children. But only insurance, we protect ourselves a lot, and it is the embodiment of loving children. ）

2. Guarantee first, then manage money.

3. The order of insurance is generally: accident, life insurance, critical illness, medical treatment, education or pension.

4. The annual premium expenditure is 10-20% of the annual income

5. It is not necessary to buy it all at once, the accident insurance can be bought by the whole family, and the rest depends on the economic conditions to buy for the family pillar first, and then gradually improve.

Social security is just a foundation, if you want to live a better life in old age, you can buy some investment-based pension products, such as Ping An's Jinyu Life, children can buy Ping An's Century Tianjiao, you can buy a baby card if you think it's expensive, and if you don't think about the pension problem, you can buy an accident medical card, such as a baby card, you can also save education**, stronger than depositing in the bank, Ping An ** is introduced in detail, you can go and see.

Baby: Education Savings + Medical Compensation + Accident Compensation.

Self: Critical illness + accident.

Wife: Critical illness + accident + medical compensation.

It is recommended to buy yourself at least 200,000 yuan of critical illness protection and then add hundreds of thousands of accident benefits.

You can find a few more insurance companies to help you make a plan, and then compare, which one is more suitable, buy which, there is no need to buy in one company, each company will have its own special goods, not all goods are the best, all you have to do is to pick out the advantages of each company's products, and then combine your own situation to buy. Don't be afraid of trouble, this is a lifelong thing, don't be sloppy and careless.

Congratulations on having such a good sense of insurance.

In fact, the people's lives are getting better and better now, and there is no problem with their usual expenses, so they are worried that there will be serious illnesses or people who make money at home will suddenly lose their ability to make money. Therefore, the Chinese people do not dare to spend and keep their money in the bank.

At present, China's residents' savings are the highest in the world, and the whole world is staring at the pockets of the Chinese people, hoping that the people will be impulsive and quickly withdraw the money from the bank and spend it. But the Chinese people are wise, in addition to making money, they will save money, and they will not be affected by external influences to spend money casually. The most important thing is to worry about emergencies, to prepare the money for fear of illness and need to spend, fear that children will have to spend on studying, and fear that it will cost money for the elderly.

The Chinese people give it to themselves"on insurance".

And now there is a way, as long as a small part of our money is put into an institution to take care of, if there is a major event such as serious illness or death, the agency will help us enlarge a small part of the money to help us or our family solve the urgent need!

This institution is insurance!

Therefore, through the above simple explanation, we can know that the most fundamental role of insurance is to solve some major problems that need to spend a lot of money. And the children's education fund, to be honest, as long as the adults are safe and healthy, we will definitely give all the best to the children, and the adults are the best insurance for children. The adults are safe, and the children don't have to worry too much.

After insuring the adults, you can buy some insurance for the children if you have extra money. It is reasonable for a family to pay no more than 20% of their total income for a year.

As for the specific type of insurance, adults buy it first.

1- Accident insurance.

2- Term life insurance.

3- Critical illness insurance.

4- Medical insurance.

5- Pension insurance.

If you buy insurance for your child, you generally have to buy education, critical illness, accidental injury, medical outpatient treatment, the products of each company are similar, the key is to find a responsible insurance person, that is, the salesman of the insurance company. It's best to learn some about insurance on your own.

Adults can buy themselves another critical illness insurance, or they can add some other insurance, but it must not affect your normal life, because insurance has become your financial burden.

To understand financial insurance, you must first know these points:

1.What are the financial insurances?

Is it necessary to buy education insurance? How to choose the right product? 》

2.How to choose financial insurance?

Space is limited, a detailed analysis is here:"Learn this trick and stay away from the pit of 99% of financial insurance".

When choosing financial insurance, you should understand the following three points:

(1) Dividends are not necessarily cost-effective

Although the provision is that 70% of the distributable surplus of the participating insurance business in the current year should be given to the policyholder, the insurance company can operate this distributable surplus and does not know how much it can be distributed every year, so it is not necessarily cost-effective to have dividends.

(2) The higher the guaranteed interest rate and settlement interest rate, the better

Guaranteed interest rate: The guaranteed interest rate will be used to calculate the income of the money transferred from the annuity account to the universal account or the additional money you want to add later, and the China Banking and Insurance Regulatory Commission stipulates that the guaranteed interest rate can only be lower than 3%.

Settlement interest rate: The insurance company will publish the effective interest rate every month, and the operating conditions of the company related to the effective interest rate.

(3) Choose different revenue trends according to demand

The income trend of financial insurance is not the same, some are cash value can be quickly recovered, and some financial insurance is suitable for buying for retirement, the cash value in the early stage is slow to return to the capital, and the pension is received in the later stage.

If you are worried that you will not be able to turn over your funds, you should choose an annuity insurance with a fast return on cash value to better help your capital turnover. The return of funds is slow, and the products that receive more annuities in the later stage are suitable for those who only have pension needs.

3.Who should buy financial insurance?

(1) Middle-class parents

Financial insurance is suitable for middle-class parents to buy for their children, many parents hope to leave some money for their children, and the early to buy for their children, the insurance period is longer, and the income will naturally be better.

Some people want to spend the money directly, and there is nothing wrong with that, because the money after entering the universal account is at the disposal of the policyholder. Therefore, although it is the parents who buy it for the children, the adults will take the initiative in the funds.

(2) Business elites over 40 years old

Some of the main groups of people who buy financial insurance are entrepreneurs or company managers who are over 40 years old, and these people have strong economic strength, and financial insurance brings them not a rich return on investment, but stability and security, and can also pass on wealth in this way. Hope!

Before applying for ideal insurance, we first improve our own health protection, then understand the types, functions, advantages and disadvantages of wealth management insurance, and then choose the right product based on our own income.

The current financial insurance is generally composed of universal insurance and participating insurance, and they can also be regarded as two accounts, and the specific relationship is as follows:

Through this diagram, we can clearly see the flow of wealth management funds. These advantages of financial insurance have become the reason why most people choose it for investment:

1.Guaranteed. These advantages of wealth management insurance have become the reason why most people choose it for investment, and wealth management insurance is a good choice in terms of diversifying investment risks.

2.Forced savings. Purchasing financial insurance, such as education funds, endowment insurance, etc., can have stable income and savings.

3.Achieve wealth inheritance. Some people can preserve, increase and transfer large assets through wealth management insurance.

But in addition to the advantages, in all fairness, there are also many disadvantages of financial insurance, mainly the following:

1.Low yields. The risk coefficient of financial insurance products is relatively low, so the corresponding income is also relatively low, for now, the average income of financial insurance is 2% 4%.

2.Low asset flexibility. Allowing money to be withdrawn or refunded at any time may just be a resounding name for financial insurance, and if you do, you will lose some of your money.

After talking about the advantages and disadvantages, you can judge whether to buy financial insurance based on your actual situation

The above is just a simple list of the advantages and disadvantages of some financial insurance, so which kind of financial insurance do you like to buy the most? At present, it is annuity insurance. What are the most worthwhile products to buy in annuity insurance, I have compiled an article:

"Top 10 Annuity Insurance Points Worth Buying! 》More than 90% of ordinary families are not suitable for buying financial insurance, unless all aspects of protection have been fully configured, here is to share an article for you as a reference for basic protection:"3 sets of plans, complete with a family's insurance".If the economic conditions still allow after that, I will want to buy financial insurance.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

There are many ways to invest in financial management, some people choose to buy, some people like to buy insurance and financial management, different financial management methods have a lot of profits, of course, there will be certain risks, so in many financial products insurance financial management methods are suitable for us to choose?

We must first understand what is insurance and financial management, insurance and financial management is an insurance product that integrates insurance protection and investment, and insurance and financial management is to prevent and avoid financial difficulties caused by disasters or diseases through reasonable investment, and at the same time maintain or increase value. At present, wealth management products are mainly divided into universal insurance, participating insurance and investment-linked insurance. Among them, universal insurance and dividend insurance are financial products, which can protect the basic income of investors, while investment-linked insurance is an investment product and cannot promise investors any returns, and the profits and losses caused by investors need to bear the consequences.

There is a significant difference between insurance and traditional financial management, the general traditional investment will follow the law of high yield and more risk, insurance and financial management are more secure than traditional investment, the insurance cost of insurance and financial management is actually stored in the insurance company, and the premium is paid in accordance with the provisions of the contract, which is equal to the accumulation of small amounts, and when the policyholder encounters financial difficulties, you can also apply for an insurance loan.

Whether it is corporate bankruptcy or personal bankruptcy, **, bonds, bank deposits, cash, etc. are to be frozen, but the insurance policy will not be frozen, and creditors cannot require the beneficiary to use the insurance proceeds to repay the debt, which is also the biggest advantage of insurance and financial management. The role of insurance and financial management is equivalent to investors to force savings, planning finances in advance, many people do not have the habit of financial planning, and have developed a stable lifestyle and consumption level, once it is difficult to tide over the difficulties in case of accidents.

Insurance and financial management is a good way to plan finance, for example, you can buy annuity insurance to deal with children's education problems, and even to deal with retirement problems. As long as we pay the insurance premiums regularly, no matter how the economic environment changes, investors can receive money from the insurance company according to the contract, which is enough to cover our living expenses and medical burden, which can help us tide over the financial difficulties.