How to save money by insuring your family? How can I save more money by buying insurance for my pare

Insurance should be bought as soon as possible, especially health insurance, because no one knows which will come first, accident or tomorrow.

I just want to say that social security is a must, commercial insurance must also be bought, you don't need to settle accounts, can you calculate the risk? Li Ka-shing buys insurance, do you think you are smarter than him, and you are richer than him.

Buy it first for the breadwinner of your family. If an accident happens to them, it will cause a huge blow to the family's economic situation and living standards, so that the rest of the family will be displaced due to their inability to pay and avoid the loss of basic security.

If you want to save money by insuring your family, then it is best to buy it in installments!

There are many insurance companies whose main insurance can be purchased for a period of 10 years or 20 years. And if you count it, the money paid in 20 years will not be more than that in 10 years.

In this case, it is more cost-effective to divide the inflation that may occur in the future, no matter how you look at it, to divide it into 20 years. On the one hand, people will always progress and develop.

Maybe it will be a bit painful for you to pay one or two thousand yuan a year now, but twenty years later, you will make so much money, and you will naturally not care about this little money.

On the other hand, in 20 years, it is estimated that one or two thousand yuan will be able to buy a little daily necessities, and compared with now, it will definitely not be the same purchasing power, so this money will become smaller.

And the most important point, that is, you pay less money, which means that your quality of life will not be reduced, you can use this money to invest, to manage money, money to make money, isn't it better?

Considering the following aspects, the cost performance of insurance will be relatively high:

1. The younger you are, the more you need to be insured! The younger you are, the more you need to be insured! The younger you are, the more you need to be insured!

Say the important thing three times! Ordinary people often have a misunderstanding: the risk of disease when they are young is small, and they wait until they are old and weak to buy insurance.

Wrong, wrong, wrong! First of all, the younger you are, the cheaper the premium (except for infants and young children), which is calculated by the insurance industry according to the actuary of the actuary, you want to be compensated by the insurance when you are old, and the insurance company will naturally consider the cost of protecting you; Secondly, the younger you are, the longer the coverage period. Most of today's life insurance is long-term insurance, which can be guaranteed for life for 10, 20 or 30 years, and can also be compensated or refunded in the event of a claim.

Similarly, you need to pay for 10 years to protect your life (assuming you die at the age of 80), you can pay for 60 years at the age of 20, and you can only pay for 50 years at the age of 30, and the premium at the age of 20 is cheaper, which is more cost-effective? In addition, the more fully protected the product, the more age there is, the older the choice, and there is basically no product to choose after the age of 55.

2. Buy health insurance first and then consider others. When choosing an insurance product, many people will ask: What is the benefit of your product?

Are there any high returns? Or how about universal insurance that takes into account both protection and income? First of all, if you want to prioritize, you must first buy health insurance, products with life and body protection as the goal are the most precious, and then you can consider education**, financial management or universal products; Secondly, you are buying insurance products, which are protection and low risk, and do not always compare with insurance products with the high returns brought by other high-risk investments; Moreover, don't be delusional and want to have fish and bear's paws, the universal profitable product protection is definitely not complete, and the amount of claims will not be high.

3. Buy it for the backbone of the family first, and then buy it for others. The human heart valve is downward, and many couples will underwrite their children as the first preferred object. As everyone knows, middle-aged couples who are responsible for supporting their families are the people who need protection the most, and then children and the elderly.

Once the load-bearing walls of the house have collapsed, how can the other parts of the house remain intact?

4. Take the future family needs as the estimate of the insured amount. How much money is needed to buy insurance and the maximum amount of compensation is a difficult problem for many people, and insurance brokers generally tell that "the cost of insurance needs to account for about 5-10 of the household income", this algorithm is too general and simplistic. It is generally recommended to determine the amount of money that the family will need to use in the future for the purpose of protection:

Total Sum Insured = Basic Expenses of the Household in the Next 10 Years, Total Liabilities, Cash and Cash-out Assets.

5. Other details. Carefully consider the insured varieties; Scientific assessment of the sum insured; The insurance policy must be signed by hand; The beneficiary of the policy needs to make it clear that it is not advisable to choose legal succession; Understand the products insured by your family and avoid unnecessary duplicate insurance; Be sure to select an add-on deductible or waiver ......

On the basis of social security, the whole family is equipped with millions of medical insurance (or cancer medical insurance, depending on health status or age), and then the main income is equipped with a regular to 60 or 70 years old consumption critical illness insurance, if there is a mortgage, plus a term life insurance... Equip your child with a school insurance (from 3 years old) and a 20-year or 30-year consumer critical illness insurance...

If your parents are over 55 years old, you can consider medical insurance, because medical insurance does not have any restrictions on diseases, as long as you are hospitalized, the insurance company can reimburse the hospitalization expenses on a proportional basis, and the amount of insurance can also be very high. In addition, you can also consider cancer medical insurance, which only covers hospitalization expenses caused by cancer, and the cost is lower than that of ordinary medical insurance.

Parents have generally reached retirement age and have little financial responsibility for the family, so life insurance is not a matter of consideration in the first place. However, it is easy for parents to buy critical illness insurance at this age to have the premium inverted, so critical illness insurance is generally not considered. For parents' insurance, we generally consider these three:

Accident insurance, cancer insurance and medical insurance. If you can't buy medical insurance, you can consider cancer medical insurance.

Don't buy critical illness insurance because the premiums are high, the sum assured is low, and the leverage is low. If the parents are between the ages of 50 and 65, the Million Dollar Medical Insurance is preferred. If the parents are between the ages of 65 and 70, cancer medical insurance is preferred.

When parents are old, the insurance they need most is these three types: million medical insurance, cancer insurance, and accident insurance.

What is the best way to buy insurance for your parents? How to buy the most cost-effective parental insurance? I am an insurance broker who specializes in insurance services! Help you shop around and buy the right insurance

Birth, old age, sickness and death are risks that people cannot avoid in their lifetime. If any family wants a comprehensive insurance protection, the following 4 types of insurance are indispensable: critical illness insurance, medical insurance, accident insurance, and life insurance.

Critical illness insurance: Claims can not only be used for treatment, but also can be used to make up for loss of income, ** and other expenses during illness;

Life insurance: For those with family responsibilities, if they leave too early, life insurance claims can allow the family to continue living and the children to continue to receive a good education.

Medical insurance: Supplement the upper limit of medical insurance reimbursement and the risk of insufficient coverage of critical illness insurance, so that minor illnesses do not cost money, and major illnesses do not cost money.

Accident insurance: If you are injured, dead or disabled due to an accident, you can make a claim through accident insurance.

There is a very practical and simple law for the family insurance allocation plan, that is, the law of double ten:

Coverage amount = 10 times the annual family income;

Premium expenditure = no more than 10% of the annual household income.

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