How to buy insurance with a family income of 2000?

With a monthly family income of 2000, you can consider buying accident insurance, medical insurance, critical illness insurance and term life insurance for the breadwinner of the family.

1. Accident insurance.

Accident insurance can generally provide accidental death, accidental disability and accidental medical protection, and it is close to the people, one or two hundred has good protection, which will not cause too much financial burden, which can not only increase a protection for yourself, but also make the family less crisis.

2. Million medical insurance.

Million Medical Insurance can reimburse necessary and reasonable medical expenses within the specified range, which can effectively reduce the financial burden when seeing a serious illness. Usually people in their twenties and thirties can buy millions of medical insurance coverage as long as one or two hundred, which is very cost-effective.

3. Critical illness insurance.

For ordinary families, the huge cost of critical illness is unbearable, so it is necessary for the family breadwinner to purchase a critical illness insurance. If the conditions for a claim are met, the insurance company will pay a lump sum payment, which can not only allow the insured to accept it in a timely manner**, but also compensate the family for the loss of income.

If you have a limited budget, you can choose a longer payment period (such as 30 years) to alleviate the short-term payment pressure. Here is a list of cheap and well-priced critical illness insurance, which can be stamped if necessary: Top 10 Cheap and Good-priced Critical Illness Insurance!

4. Term life insurance.

Considering that the breadwinner of the family bears the financial responsibility of the family, the family will suffer a heavy blow in the unfortunate event of death, so it is also necessary to purchase term life insurance. Its main role is to ensure that a family does not fall into crisis due to the death of a breadwinner.

Finally, families with a monthly income of 2,000 should buy insurance within their means, and should not affect the daily life of the family because of excessive premiums, and the total family premium expenditure should be within 20% of the annual family income, that is, 4,800 yuan. If you don't know how much insurance to buy, you can take a look at what the experts say: how much insurance is appropriate?

Let's talk about the doorway inside.

Buying insurance is to ensure that it does not affect the living expenses of the family to provide adequate protection, generally 10%-20% of the annual family income is more appropriate.

Generally, there will be a high and low price for insurance! It's better to go directly to some insurance companies than to ask someone!

If a family with a monthly income of 3,000 wants to buy insurance products, the senior sister suggests that priority should be given to the family economic pillar to allocate insurance products, so as to ensure that the family life will not be greatly affected when the family economic pillar is unlucky. If you have a friend who doesn't have time to read the full text, you might as well take a look at this article first:With so many types of insurance, which one should I buy first?

In addition, when choosing insurance insurance, you can choose millions of medical insurance, accident insurance and term life insurance first, and then consider whether you need to buy critical illness insurance if you still have a budget.

I believe that those who have learned about insurance should know that because the protection content of critical illness insurance is more complex, it will be higher than other insurance products, so small partners with a limited budget can configure the other three types of insurance.

For example, high boredom refers to millions of medical insurance and accident insurance, which usually has the advantage of "low premium and high sum insured", hundreds or thousands of dollars can buy a medical insurance with millions of sum insured, and dozens or hundreds of dollars can enjoy hundreds of thousands or even hundreds of thousands of accident insurance protection, in general, it is still very suitable for small partners with a limited budget to give priority to configuration.

Speaking of which, if you have a small partner who doesn't know much about the difference between these types of insurance, you can take a look at this article compiled by the senior sister, which may be helpful:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

Hope!

Summary. Hello, it's a pleasure to serve you! If the annual income is 100,000, take out 10,000 yuan to buy insurance, which will not be too much financial pressure on us, and at the same time can get relatively adequate protection.

For the insurance plan for family members, you can refer to the following plan. If you are a family of three and have just had a baby. Suppose mom and dad are at the age of 30, and the baby is 0 years old at birth.

Then, mom and dad can take out life insurance, 500,000 for 20 years. Critical illness insurance is insured until the age of 70 with an insured amount of 500,000. Medical insurance and accident insurance also need to be prepared, with a million medical insurance coverage of 3 million and an accident insurance coverage of 500,000.

In such a relatively comprehensive plan, the premium of the husband and wife does not exceed 8,000 yuan.

Good. Three children, one in college, one in high school, and one in junior high school.

In no? Hello, it's a pleasure to serve you! If the annual income is 100,000, take out 10,000 yuan to buy insurance, which will not be too much financial pressure on us, and at the same time can get relatively adequate protection.

For the insurance plan for family members, you can refer to the following plan. If you are a family of three and have just had a baby. Suppose mom and dad are at the age of 30, and the baby is 0 years old at birth.

Then, mom and dad can take out life insurance, 500,000 for 20 years. Critical illness insurance is insured until the age of 70 with an insured amount of 500,000. Medical insurance and accident insurance also need to be prepared, with a million medical insurance coverage of 3 million and an accident insurance coverage of 500,000.

In such a relatively comprehensive plan, the premium of the husband and wife does not exceed 8,000 yuan.

Doesn't your child's school have a unified insurance policy?

Yes. I don't remember what kind of student insurance it is.

If the school has already purchased insurance and you still want to buy insurance for your child, an additional medical insurance plan is sufficient.

I bought medical insurance, critical illness, million medical insurance, accident insurance, and student insurance, is it okay?

Yes, with one more insurance and one more protection, your family's annual income can be afforded, of course.

1.A reasonable insurance expense should be 10-15% of the family's annual income!

2.The proportion of insurance purchased should be roughly distributed according to the proportion of income, if the income of the male owner is higher, then the insurance should be relatively high, and roughly so, it should also be decided according to the family situation.

3.The most important thing to buy insurance is protection, so it should be based on health insurance such as accidents and critical illnesses, and other products can be purchased according to financial strength.

4.Remember to pay attention to rational consumption, do not listen to the introduction of the salesman to buy insurance that does not match your actual needs.

Adults can be configured according to the combination of accident insurance + critical illness insurance + term life insurance + million medical insurance, and children can be configured according to the combination of accident insurance + critical illness insurance + million medical insurance, and the specific plan can be seen**.

How to allocate insurance for families with an annual income of 100,000.