How can a family with an annual income of 200,000 or 300,000 buy insurance?

Different families with an annual income of 20.3 million yuan have different circumstances, for example, some husbands earn money alone, some husbands and wives earn money together, and some families are in high debt (such as mortgages) and so on. At the same time, different people's health conditions are different, and the specific product choice may vary greatly. You need to know your information in detail, analyze it professionally, and clarify your needs.

If you need professional planning, you can click me to contact or insure Ye Junshuai

Hello! I am glad that you have a good sense of insurance, a healthy body is the capital of the revolution, and it is also the prerequisite for building a happy family, and I hope you will change your living habits appropriately;

The moderate premium is between 10 and 20% of the annual income of the individual or family, and it is recommended to control it within 15% will not cause a financial burden

If your unit has purchased social insurance, please add a critical illness insurance appropriate additional a little hospitalization medical treatment, such as Chinese Life Corning regular insurance to the age of 70, 32 years old annual premium 2050 yuan 20 years of insurance amount of 100,000 (additional 5000 inpatient medical treatment 260 yuan, this inpatient medical treatment is consumption-based no return, you can buy one year insurance for one year); Accident insurance can choose auspicious card, with an annual payment of 365 yuan (150,000 yuan for accidental death, 300,000 yuan for accidental disability, 10,000 yuan for accidental medical treatment, including outpatient and accidental hospitalization allowance, 50 yuan per day);

Your baby is less than 3 years old can not buy a student auspicious card, you can consider China Life Ruixin Critical Illness Dividend Insurance, annual payment of more than 2,100 yuan to 75 years old compensation amount of 60,000 yuan, every three years can receive a fixed survival fund of 1,600 yuan, and there is an annual dividend distribution, fixed survival and dividends do not receive compound interest. The baby can also be attached to the hospitalization medical treatment of 5,000 or 10,000 yuan.

Of course, the baby's education insurance can also consider some short-term dividend insurance, but I personally think that health should be given priority in the case of not very well-off economy, and Ruixin's product has a fixed survival fund and dividends can also be used as an education allowance.

As above, you and your baby's health insurance is allocated 4,200 yuan, with an additional hospitalization of about 500 yuan, plus your personal accident insurance totaling a little more than 5,000 yuan.

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

1. Try to control 5% and 10% of family income 2, give priority to family breadwinners 3, and fully consider the market**.

Hello, the protection insurance expenditure is controlled at about 30,000, the critical illness insurance amount can be increased to 1.5 million, the insurance amount is distributed according to the income ratio, the minimum for a single person is not less than 500,000, the accident is bought casually, 3 million is almost, the income proportion is allocated the insurance amount, the term life insurance needs to be configured according to the situation, covering loans and other liabilities, and medical treatment can be chosen at will.

The protection should be given priority from the pillar of the family, and the person who earns the most money in the family should be guaranteed first, so as to ensure that people can earn money when they are healthy, and they will not become a burden when they are unhealthy. Then adults first and then children.

It is advisable to account for about 10% of the annual income so that there is no financial pressure.

In terms of insurance, buy protection first and then buy financial management.

What insurance should be bought for a family with an annual income of 100,000 yuan is different from person to person, and the following senior sister will tell you about the configuration plan of family insurance according to the three categories of family economic pillars, children, and the elderly.

Friends who are in a hurry can also take a minute to read this article: How to buy insurance for families with an annual income of 100,000 yuan?

1.Breadwinner of the family.

As we all know, the breadwinner of the family bears the burden of the family, not only supporting parents and children, but also possibly carrying car loans, housing loans, etc.

In the event of a misfortune, the economic system of the entire family may collapse and the normal functioning of daily life will be affected.

Therefore, generally speaking, it is better to allocate critical illness insurance, medical insurance, accident insurance, and life insurance for the breadwinner of the family, so that you can get more comprehensive protection.

If these four major types of insurance are configured at the same time, will there be any conflict when making claims? There is an answer in this article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

2.Child.

Children are less resistant, not very capable of self-preservation, and grow up curious about everything in the world.

Therefore, the risk of illness and accident they face is relatively large, and it is more appropriate to allocate critical illness insurance, medical insurance, and accident insurance.

Some parents may think that children are unlikely to suffer from serious illnesses at such a young age, but in fact, such as leukemia and severe hand, foot and mouth disease are all serious illnesses with high incidence in children. We can't predict whether a critical illness will occur, but once it does, it will bring high costs, so it is still necessary to prepare in advance and configure a critical illness insurance for your child in case of emergency.

The children's critical illness insurance that is worth buying on the market, the senior sister has sorted it out in this article, and friends in need can check it by themselves: Top 10 ultra-cost-effective children's critical illness insurance, don't miss this treasure guide!

3.Old man.

When the elderly get older, their physical functions gradually decline, and they are prone to various diseases, and the hands and feet of the elderly are not as flexible as before, and the probability of accidents such as slipping and falling in the bath is also higher.

Therefore, it is necessary to insure the elderly with cancer insurance, medical insurance, and accident insurance.

Hello, according to the information you provide, it should be said in detail, it is best to say at the age of the bar, whether there is social security.

With an annual income of 100,000 yuan, according to the financial management law, 6 months' salary is used as daily expenses, half of the money is stored in the bank, and 15%-20% of the final annual income is used to provide a guarantee for the whole family.

You say that your husband has no fixed income, you may say that you are the pillar of the family, I don't know if you have a mortgage in your home, if you have more protection on your side, if not, it is recommended to only guarantee one protection.

I am from Pacific Life, insurance is not an investment, but a long-term and stable income, so an annual income of 100,000 is recommended to invest 20,000 to 30,000 yuan in insurance.

First of all, buy yourself an accident card, which is very cheap, 168 has a value of 100,000 and an accident medical treatment of 8,000.

Then there is the protection type of insurance, "Jintai Life Dividend" contains 35 kinds of critical illness protection and the value of compound interest is very good, it is recommended that this insurance is between 10 and 20 copies, 20 years to pay, because this has a big highlight is the premium waiver, if the risk of paying for 5 years occurs in the subsequent 15 years of money, the insurance company will pay the money immediately to the protection at the same time, and if you are 60 years old or how old you feel that your body is okay, you can choose annuity conversion, which can be a supplement to the pension.

20 servings, if you are 30 years old, more than 6000.

I don't know if you have children, if you do, give your children an education fund, and of course your husband must have accident insurance.

In addition, there are more than 10,000 yuan that can be insured, "Hongli Annuity Dividend Type", the biggest highlight of this is that you can receive money after three months of insurance, and you can receive it every year after 55 women, 60 men, you can receive 3 times the money, and you can also receive a lot of money when you are 80 years old.

It is recommended to insure 1 share of 10,000 yuan, which can be insured by you or your husband, and it is recommended to pay it in 10 or 20 years.

1. Adults first, then children.

After many families have children, the adults do not have the guarantee, so they buy the children first, which is wrong.

The biggest risk for a child is actually the loss of parental parenting.

For children, parents are her most reliable guarantee.

Therefore, the protection of parents should be done first, and then planning for the children.

2. The insured amount of critical illness insurance is at least 500,000.

Now a casual 500,000 yuan whole life critical illness insurance has a premium of five or six thousand a year, and many people feel that it is too expensive to afford. So he retreated to the next best, 100,000, 200,000, and 300,000 insurance amounts.

Critical illness insurance with less than 500,000 yuan is too weak to resist risks, especially for the breadwinners of the family.

The compensation of critical illness insurance is not only used to treat the disease, after illness, it means that you cannot work normally for a long time, and a large part of the critical illness insurance is used to make up for the family's mortgage, children's education expenses, and family living expenses.

The cost of a critical illness can also be reimbursed through the Million Dollar Medical Insurance.

Instead of buying a whole life critical illness insurance with poor anti-risk ability and low sum insured, it is better to do a good job in the most important stage of life's struggle, the 20-year and 30-year protection, and earn money with peace of mind.

When conditions permit, you can supplement your lifetime protection.

3. Term life insurance is a must-have for family supporters.

When many families allocate insurance, they buy accidents, critical illnesses, and medical treatment, and often ignore term life insurance.

For families with housing loans and car loans, life insurance is a must-have protection.

In the unlikely event that the breadwinner of the family collapses, you can buy a life insurance policy with sufficient coverage to avoid worrying about the house being repossessed by the bank and the children and the elderly being properly resettled.

Therefore, life insurance is commonly known as "love and responsibility bought for family".