What kind of insurance is suitable for family breadwinners?

If your family's economy mainly depends on one person, it is best to buy term life insurance. The main economic ** will definitely affect the whole family, term life insurance generally has a longer protection time, and the premium is relatively low, in case the economic pillar has a three-long and two-short will not cut off the income of the whole family**. I bought love with the term life insurance in Taikang**, this product protects the death caused by accidental injury, I bought 200,000 insurance amount 30 years of insurance period in 20 years, a month to pay dozens of dollars, 18 to 55 years old people can be insured, I heard that in April to buy can also send blood pressure monitor, Ctrip card and air purifier, the landlord hurry up.

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.

The protection of the adults in the family, especially the economic pillars, should indeed be the focus of protection. As the family's economic leader, the pillars are healthy, and living with the ability to continue to earn money is the greatest guarantee for the family. The risk of death needs to be covered by life insurance; The loss of income caused by critical illness needs to be covered by critical illness insurance; The cost of hospitalization due to a serious illness is covered by medical insurance.

How to think about it depends on whether you belong to a single-breadwinner or a dual-breadwinner family. What is your husband's annual income? I'll take a look for you.

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 economy 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 difference between families with different incomes is that their economic conditions and insurance needs are different, 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 about or buy incremental 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 we buy insurance.

It is generally recommended that the annual family premium of our messy family 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.

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

Let's talk about the doorway insideHope.

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.

Hello! As the breadwinner of the family, your husband should choose four types of insurance: accident insurance, medical critical illness insurance, life insurance, and financial insurance, the details are as follows:

1. Accident risks are everywhere, once the family pillar has an accident risk, the family's economy will be cut off, and even bring a financial burden, so accident insurance is the first choice. The amount of accident insurance is generally recommended to be 5 to 10 times the annual income.

2. The daily work and life of the family pillar are under great pressure, and their health is threatened, so they need to purchase medical critical illness insurance. The sum insured for medical critical illness insurance should be 5 times the annual income.

3. The daily work of the family pillar is under great pressure, smoking, alcoholism, staying up late, etc. are more common, so it is necessary to buy a suitable life insurance product. It is recommended to apply for a life insurance policy with a coverage period of 20 years.

If you don't know, you may lose a lot of money if you don't buy insurance like this!