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Hey girls～
Recently met an old friend, I found that his state is really very poor, in fact, he used to belong to the small stars in the circle of friends, very early with his wife to start a business, the size of the company to small and medium-sized, very sunny and lively, and talented, like to play music.
But the recent state of affairs is really a little worried, and when I asked, I learned that his wife had been seriously ill a year ago, and the family and business were a bit unsustainable.
The shock this incident brought to me and my male roommate was particularly big, because both of us were only children, and the risk was a bonus. We have 4 elderly people to retire, 2 children to raise, and 1 100-person company to run.
So in recent years, we are very concerned about the insurance thing, in order to buy good insurance for the whole family, I spent 4 digits on the knowledge payment platform to learn the course, and invited 2 professional insurance consultants to give our family a plan.
This video doesn't treat everyone as an outsider, but shares everything I know with you.
▼Detailed graphic version▼
Be sure to have an insurance awareness
Before buying insurance, I want you to figure out 2 concepts:
Insurance and investment, look at separately!
Many insurance products will play some investment, return to attract everyone to buy, but in fact, we should know in our hearts that the purpose of our insurance is to reduce the possibility of dragging our entire family and life into the abyss after an accident occurs.
So if there is no tragedy in our lives, if there is no accident, these efforts are adrift. If you are looking forward to returns and returns, I would recommend that you use other investment channels to obtain them.
The greatest sense of security in the economy is not deposits, but continuous cash flow.
We all know that sitting on the food will be in the sky, even if you have 1 million deposits in your account, but if you don't have income every month, your heart is not solid.
Therefore, when we buy insurance, in addition to looking at the one-time payment, we must also choose those who have continuous compensation or expense reimbursement compensation.
What insurance to buy
Everyone has to buy accident insurance, critical illness insurance, medical insurance, life insurance, these insurances are the younger the better.
Like my parents are fifty or sixty years old, they have not bought any commercial insurance before, they already have some underlying diseases, and if they have a history of surgery, in medical insurance and critical illness insurance, they are either very expensive or have no choice.
Critical illness insurance
First of all, serious illness insurance, as long as our family can buy it, I will buy him two copies, one is to cover various serious diseases, and one is specially designed to prevent cancer.
I am mainly looking forward to the major illness insurance, it covers two aspects of expenditure, the first is the cost of treatment after the illness and the money I have to burn throughout the life with the disease; plus the family expenses when I am not able to work.
The sum insured must be sufficient when choosing, generally three times your annual income.
Secondly, you must choose "Multiple Payments for Serious Illnesses", because after you have a serious illness, you may have received a one-time payment, but you have lost the opportunity to continue to buy other major illness insurance.
When you face another serious illness, or after the recurrence of the previous serious illness, you are not safe.
Medical insurance
Medical insurance, it is a reimbursement type of insurance, mainly used to supplement the part of social security can not be reported, including hospitalization, treatment, medicine and so on.
There are so many options that it is not recommended that you choose an insurance plan with a "10,000 deductible".
Because of this insurance, the final claim cost you get = the total treatment fee - the social security reimbursement part - 10,000 yuan. This means that if your treatment fee does not exceed 30,000, it is actually of little use.
Also choose some insurance that has the right to renew in the contract, because when you have a serious illness, the contract does not have this clause, which means that he may not let you renew.
Accident insurance
If I have accident insurance, I will also buy two copies, one is basic, which covers accidental disability, accidental death, and accidental medical treatment.
For example, my dad likes sports, so I bought him a sports accident insurance; like me and my male roommate who often travel on business, so we will buy ourselves travel accident insurance, which is very cheap, from a dozen to dozens of dollars.
It is recommended that when choosing, we should avoid insurance products that can only be reimbursed on the premise of social security reimbursement and insurance products that must choose "full reimbursement of the self-paid part"
Term life insurance
Finally, life insurance, which protects the economic pillar of the family, our family is me and my male roommate, but its beneficiaries are family, so this insurance is bought for the family.
It protects against some family risks of death or total disability before the age of fifty or sixty, and this insurance must choose "unlimited death and total disability".
Life insurance can be bought several times, and one beneficiary can be mom and dad, and one beneficiary is a spouse.
But in terms of the amount of insurance, you must calculate the amount of the amount of insurance, you have to consider how much of your current mortgage has not been paid off; how much of your car loan has not been paid off; plus how much family income will be lost in the next 10 to 20 years after the family loses you.
When buying life insurance, there will be a choice: when you have not died or been disabled, will your premium be refunded to you? Or not returned to you?
In my own case, I bought a life insurance with a 3 million guarantee, and if I choose to return it, we will have to pay 78 yuan per month, and if I choose not to return, I only need to pay 33 yuan per month to enjoy the same protection.
The benefit of not returning is that I can spend less money every month and get greater protection. The advantage of return is that the money will not drift, it depends on your personal choice.
How to buy insurance
Buy through acquaintances engaged in insurance
Most people may be familiar with the insurance industry by being around to help us do some configuration of insurance.
The advantage of this approach is that he may know your life, your family, and insurance products very well, and he can make a good match between products and your family under the premise that he is a reliable person.
The disadvantage is that there is some privacy, and I don't really want to expose it to acquaintances, for example, I bought a life insurance, who the beneficiary is, and how much is the amount.
Buy through an insurance agent
The second is to pay some professional insurance consultants to help you make a plan, and then you will buy them one by one.
The advantage of this is that they have a lot of time to study your family composition, as well as income composition, to help you screen insurance products and match some better payment plans.
The only downside is that the service is still paid for.
Purchase through a regular Internet platform
The third is to purchase through the formal Internet platform, the advantage is that it is convenient and flexible, and it can be automatically renewed.
The disadvantage is that it requires you to spend a lot of time studying each detail, and sometimes, some rules cannot be read, which may be your future pit.
Well, no matter how you buy it, you must do one thing, that is, shop around! Summarize the knowledge points into pictures, and you can take advantage of the May Day holiday to study them well
Planning 丨MK post-production 丨 Taro editor 丨Lynn
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