What do you worry about before buying insurance?

Find out when the insurance contract will take effect, the duration of the underwriting, the scope of coverage, how to make a claim, and the premium and premium.

Pay attention to the protection of family members, protect the people around you as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.

Most people are worried about the difficulty of making claims, so they should choose big brands and big companies to buy products! Claims are covered!

The biggest concern before buying should be that it is easy to buy insurance and difficult to settle claims, so it is necessary to learn from the insurance company that is safe.

As for how much the sum insured needs, it is obvious that the more the merrier, but we all know that the higher the sum insured, the higher the premium, so we should choose a relatively scientific sum insured within the range we can afford.

Consider whether you really need this insurance, don't buy those unnecessary insurances, otherwise there will be no income and waste of money.

What is the purpose of buying insurance? Is it to be able to leave a sum of money for the family in the event of an accident? Or is there a sizable expense to cover the loss in the unfortunate event of illness? Or just want to get dividends from the insurance company?

Determined according to the living expenses that need to be met. This needs to be decided based on the expenses of the period between the accident and the recovery (living expenses, out-of-pocket medical expenses).

First, whether it is as told by the insurance company that it can get the money; Second, is the insurance company reliable?

Don't trust the recommendations of insurance companies that you haven't heard of, as they generally won't give you a guarantee of safety.

The insurance I buy now says that I will return 100,000 yuan when I am 60 years old, but after 30 years, it is destined to be a decline in purchasing power, I am afraid that it will not even be enough to eat a meal.

Buying insurance scientifically should (1) adults first and then children, because adults are the economic pillars of the family, the umbrella of the family, and the insurance of the family. (2) First protection (accident, medical treatment, critical illness) and then investment (balance chain pension, education, financial management, etc.), especially at your age, accident insurance must be considered, and there are many factors to consider when buying insurance: twenty age, gender, annual income, annual expenditure, annual balance, what are the current protections, whether there are loans, whether there is investment (**, **, bonds, real estate, etc.), children's education, and the support ...... of the elderly, according to these reasonable planning and design scheme chain letters, because the insurance is bought for more than ten or twenty years. So don't let these uncertainties affect our future quality of life.

Be sure to consider comprehensively, because the insurance payment is directly linked to age, the older the age, the higher the cost of grandchildren, the shorter the protection time, and scientific planning insurance is to control the annual insurance at 15-20% of the annual family income, and the amount of life insurance is 5-10 times your annual income, so as to reasonably avoid potential risks. ——Guangzhou Yuhongbo Company.

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

Social security can only give you the minimum protection, and commercial insurance is an indispensable guarantee of quality of life. Therefore, you need to buy commercial insurance, after all, commercial insurance can give you more comprehensive protection.

Accident risk is a major risk around us, and may have a greater impact on the life and work of our regrets, so accident insurance is a kind of commercial insurance that everyone needs. To prevent the risk of poverty due to illness, health insurance is the most common way to transfer this risk.

When applying for insurance, it is recommended to make a reasonable selection based on the actual health protection needs of the insured object, and people with social insurance should pay attention to critical illness protection when choosing health insurance, and it is best to purchase long-term critical illness insurance if financial resources permit. People without social insurance are advised to purchase consumer-based health insurance to obtain multiple benefits such as critical illness, hospitalization and hospitalization allowance at a higher cost performance.

If you want your old age to be more comfortable, it is recommended to buy a suitable commercial endowment insurance on the basis of Qifu social endowment insurance. When applying for commercial endowment insurance, it is necessary to clarify the payment period. In view of the current economic situation, it is recommended that consumers shorten the payment period appropriately, so that the total amount of premiums to be paid will be reduced.

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

Here the senior sister also sorted out a list of dry goods, which will mention what key knowledge points should be paid attention to when buying insurance, and interested friends can check it by themselves:Before buying insurance, you must first understand these key knowledge points!

1.The content of the guarantee is whether the hole is complete.

At present, the protection responsibilities provided by different products on the market are different, taking critical illness insurance as an example, some critical illness insurance products only provide critical illness protection, while others also set up multiple compensation liabilities for mild, moderate and high incidence diseases on the basis of critical illness protection.

Therefore, when you buy insurance, you must carefully check what protection responsibilities the product has, and then consider whether these protection responsibilities are complete for yourself according to your own situation.

Only when you have a product with more complete protection can you add more comprehensive protection to yourself.

And if some friends don't know which insurance should be bought first among the many insurances, you can see what the experts say:With so many types of insurance, which one should I buy first?

2.Premiums are not affordable.

If the premium is beyond the affordable range, then we must be cautious about insuring the insurance, otherwise, we may suffer from greater economic pressure in the subsequent payment process, and even affect the normal operation of daily life. Hope.

Buying insurance is a science, how can you buy the ideal protection? Here are eight factors to consider before buying insurance.

1.Be clear about the purpose of buying insurance.

What kind of protection is to buy insurance, first of all, you have to figure it out. For example, whether it is to have money** in case of illness or in case of an accident, you can leave money for your family and make life relatively smooth.

Once you know what you really need, you can jump right into the topic when choosing a product.

2.Who to buy insurance for in the first place?

Parents always want to give the best things to their children, but buying insurance is not the same as ordinary consumption.

If funds are limited, you should first buy insurance for the person who earns the most money in your family. Because parents are the greatest protection for their children, parents can work and live normally, and children can get the best protection.

3.Make ends meet.

When buying insurance, you must take into account the financial situation of your family and cannot blindly pursue a high sum insured.

For the sake of future security, we are now burdened with heavy economic pressure, and the gains outweigh the losses. If there is any situation where you cannot afford the insurance premium, you will lose money and protection for refunds, which is very uneconomical.

The more reasonable insurance premiums and insurance premiums do not exceed 10% of the annual income of the individual, and the insurance premium is 10 times the annual income of the family.

4.The contract shall prevail in black and white.

When buying insurance, be sure to carefully study the key terms in the insurance contract, especially the sum insured, coverage liability, exemptions, waiting periods, health notices, etc.

If you don't know the contract and don't have confidence, you can call the insurance company to discuss.

Don't hearsay, don't speculate on your own. Only by reading the contract can you find out if this insurance is right for you.

5.Is the income of insurance and wealth management certain?

For dividend-based, investment-linked, and universal products with asset management functions, you should know these truths.

The benefits of dividend insurance are uncertain.

The return on investment of ILAS is uncertain and may even lead to a deficit.

The investment income above the minimum guaranteed interest rate of universal insurance is uncertain.

Investment-linked insurance and universal insurance may be subject to initial charges, death premiums, policy administration fees, handling fees, surrender premiums, etc.

6.Truthful and sensitive guessing can be guaranteed.

When filling out the insurance policy, the health status, occupation, and other items must be filled in truthfully. Otherwise, in the event of danger in the future, the insurance company is likely not to compensate for the trip, and the insurance premium will not fall.

7.The order in which insurance is purchased.

The order of purchasing insurance is to purchase accident insurance, hospitalization medical insurance, critical illness insurance, and bridge-type life insurance, and consider children's education funds, pensions, and other new insurance.

8.Make reasonable use of the cooling-off period.

Insurance products usually have a cooling-off period, which is generally 10 days. During this period, all insurance premiums can be refunded if any. Please note that there is no cooling-off period for group insurance and short-term insurance.