What are the factors that affect home insurance planning

1. Risk factors: The specific content of insurance products and services is a variety of objective risks, and there is no risk. The higher the degree and scope of risk factors, the greater the total demand for insurance; Conversely, the demand for insurance is smaller.

2. Social economy and income level: Insurance is the product of the development of social productive forces to a certain stage, and develops with the development of social productive forces. The income elasticity of insurance demand is generally greater than 1, that is, the increase in income leads to a greater proportion of growth in insurance demand.

However, the income elasticity of different types of insurance is different.

3. Insurance products: The insurance rate of insurance products is the insurance rate. The need for insurance depends mainly on the amount of premiums that can be paid. The higher the insurance rate, the smaller the insurance demand; Otherwise, the bigger it is.

4. Population factors: Population factors include total population and population structure. The development of the insurance industry is closely linked to the demographic situation.

The total population is directly proportional to the demand for life insurance, and under certain conditions of other factors, the larger the total population, the greater the total demand for insurance, and vice versa. Population structure mainly includes age structure, occupational structure, cultural structure, and ethnic structure. Due to the different age risks, occupational risks, education levels and ethnic habits, the demand for insurance products is also different.

5. The degree of development of the commodity economy: the degree of development of the commodity economy is directly proportional to the demand for insurance, and the more developed the commodity economy, the greater the demand for insurance; Otherwise, the smaller it is.

6. Implementation of compulsory insurance: Compulsory insurance is a form of insurance protection that is enforced by legal or administrative means. All insured persons within the prescribed scope must be insured, so the implementation of compulsory insurance has artificially expanded the demand for insurance.

In addition, changes in interest rates have an impact on savings insurance products. Although investment and wealth management insurance currently occupies a certain insurance market share, there is no fixed guarantee for dividends, which also affects customers' demand for investment and wealth management insurance.

Premise: What problems do you want to solve with insurance in advance?

Start with a macro family wealth plan.

You can see that the upper and lower quadrants on the right are linked to insurance.

The upper right part is the family's personal protection insurance, and the lower right part is the family financial security section.

Step 1: Consider the proportion of insurance expenditure in the annual household income.

Step 2: Who do you need to consider? Who is the breadwinner of the family? According to the size of the family's contribution, the sum insured will be distributed in proportion.

Step 3: What is the physical condition of the insured, and has he or she been hospitalized or operated on in the past two years? Have you had a recent medical check-up?

Step 4: Consider your affordable premium budget.

You can generally consider the above points first

1. Risk identification of family property.

2. Assessment of family property risk 3. Judgment of family property insurance products.

The importance of family insurance planning is to prevent risks, stabilize the family, and plan for the family's finances.

1. Prevent risks: Risk losses can be compensated by savings, but it will mean that most of the funds will be occupied. Buying an insurance policy only costs a small amount of money, and it plays a very big role in times of crisis.

2. Make the family stable: If the economic pillar of the family has an unfortunate accident and loses the ability to work, there is insurance assistance, and the family will not affect the living standard of the whole family because of the collapse of the economic pillar. Insurance also allows children to complete their education until adulthood without their parents; Insurance also allows people to continue to receive medical coverage even if they lose their jobs and income due to illness.

3. Plan family finances: If a family's money is not planned, but is spent meaninglessly, once it encounters a major event, it will be unable to raise funds. The funds of insurance are operated in the insurance company and can generate fixed income.

Therefore, if you buy one or more insurance policies for your family members in advance, you will not be overwhelmed by money problems in the event of an accident.

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

1. First of all, family insurance planning is conducive to the stability of personal and family life.

2. The threat of natural disasters and accidents is difficult for every family to bear, and family insurance planning can provide corresponding protection services for individuals and families, so that personal and family life is more stable.

3. Secondly, family insurance planning is conducive to balancing the financial income and expenditure of individuals and families.

4. Life insurance in family insurance has the taste of "compulsory" savings, compared with personal savings that are easy to be misappropriated, life insurance is a better way to reserve pensions, which is indispensable for balancing the financial income and expenditure of individuals and families.

5. Re-family insurance planning provides a new investment channel.

6. Taking life insurance in family insurance as an example, it can smoothly realize the transfer of family property, and it is also a good investment channel.

Answers]: c, d, e

The main knowledge points examined are the factors that affect the demand for personal family insurance: cultural background factors, social relationship factors, emergency factors, risk factors, socio-economic system factors, demographic factors, insurance substitute factors, compulsory insurance factors, and scientific and technological factors.

Answer]: Mo's leakage

There are many factors that affect the demand for personal and family insurance, mainly including: cultural factors, social factors, economic factors, risk factors, market factors, scientific and technological factors, and policy factors. Therefore, options a, b, and c are incorrect.

First of all, the center of family insurance planning is the "family", which should take into account the risks faced by the family, such as illness, accident, career, pension, education, etc., and secondary considerations that have nothing to do with the family. It is necessary to consider the actual situation of the family and make a plan for the actual situation.

Secondly, the impact of family income is large, and too much or too little investment will affect the quality of life, so it is necessary to weigh the pros and cons and ensure a certain amount of cash flow. You can bear the risks you can bear, and you can rely on insurance for other risks.

Third, it is necessary to give prominence to the key points, invest funds in those areas that can be utilized, eliminate as much as possible those that do not conform to the actual situation, and invest the main parts in the most important and urgent aspects.

Fourth, it is necessary to consider that the insurance coverage of the type of insurance matches its own reality. Invest in which aspect is risky, and the scope of claims should be considered clearly.

Doing home insurance planning requires professional knowledge, and if you don't have it, you need the assistance of a professional company. It is recommended to find a relevant professional organization that can provide users with "one-to-one" family insurance planning solutions for the whole process, including insurance consultation, program customization, policy management, claims assistance and other services, which is a good choice for entrusting family insurance planning.

Factors influencing underwriting by insurance companies:

1.Health issues: body type, past medical history, family medical history, current medical history, past claims analysis, additional physical examination items, etc., most of the health notices are for health problems.

Many insurance plans have restrictions on the health status of the insured person and their relatives. Because genetics can also affect the insured's risk of disease. The analysis of past claims is more obvious for medical insurance, many medical insurance are short-term products, usually for one year, if the number of claims in the past is relatively large, then when renewing the policy, you may encounter additional underwriting or refusal of insurance.

2.Financial issues: income, household finances, insurance needs, amount of insurance, motivation for insurance, etc.

The insurance company needs to weigh whether the policyholder is able to pay the premium and whether there is a possibility of insurance fraud. Especially for high-value insurance, insurance companies generally require proof of the customer's income and labor ability (personal income tax and proof of personal net assets) or proof of enterprise ownership and business status (business license of Qisan Qingye, enterprise capital verification report, audit report of enterprise for three consecutive years, corporate debt-related information, etc.).

3.Other factors: age, gender, occupation, hobbies, residence, whether you have been denied insurance, whether you have social security, etc.

The range of other factors is vast, in addition to the common age, gender, occupation and other factors, people who like high-risk sports may also encounter problems when applying for products such as life insurance. However, the presence or absence of social security has little impact on critical illness insurance, but has a great impact on medical insurance. There is a big difference between the rate of many medical insurance with social insurance and without social insurance, so it is recommended to pay social insurance rollover if conditions permit.

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

Answer]: c, e

There are 10 factors influencing the demand for individual family insurance: risk attitude, cultural background factor, risk factor, socio-economic system factor, population factor, social relationship factor, economic factor, insurance substitute factor, compulsory insurance wheel disturbance factor, and scientific and technological factor.