Seven life insurance purchase orders, you have to know life planning! ?

Whether it is a child or an adult with low income, an accident insurance is necessary. Insurance of several hundred yuan a year can be used as a suit, but it can avoid risks in advance. Maybe you can arrange what you will do tomorrow in advance. You can't predict what will happen tomorrow. Spend a little money to transfer the risk to the insurance company because accidents are everywhere and life is impermanent. We are not immortals who can't tell fortune, so we should plan accident insurance for our families as soon as possible. Neither social security medical care nor the new rural cooperative medical system will reimburse accidents caused by third-party factors.

Second illness insurance

Because of environmental factors and air pollution, people eat whole grains, and the probability of major diseases in modern life is about 72%, while social security does not reimburse imported drugs, nursing expenses and income loss expenses. However, there are many cases of poverty caused by illness in a family, and the young planning rate is low. It is necessary to make preparations early and plan ahead. The critical illness insurance coverage is at least three times the annual income.

Third life insurance

Do you have a mortgage or car loan? There are still many unfinished responsibilities, such as supporting parents, raising children and making promises to spouses. In case of risk, have you fulfilled your responsibility? Is there enough money left for them? To keep love and debt, please plan your life insurance in advance. Life insurance should be 5- 10 times of annual income, and it should be planned reasonably according to loans and liabilities.

The fourth child education insurance

It is the wish of all parents to wish their children success and their daughters success. Education expenditure has become a rigid demand, and the insurance principal should be planned in advance, pursuing stable income and developing regular savings, which preferably has the functions of insurance exemption and double protection for the insured.

Fifth endowment insurance

China has entered an aging society, and the family structure has changed. It is unrealistic to raise children for old age. If you want to pursue a high-quality old-age life, you must rely on your young self to plan ahead, and don't wait until you are lonely and die to regret your youth.

Sixth investment insurance

Are you a moonlight clan, unable to control consumption, unable to manage money, with a single investment channel and no time to take care of it? Then let the insurance company help you save time, form the habit of compulsory savings, and share the compound interest value for a long time. Although the interest rate is not very high, many a mickle makes a mickle. Long-term monthly fixed investment is still a more suitable way for the moonlight family who can't manage money, such as investment-linked insurance.

Seventh wealth inheritance

Rich people are most afraid of not keeping money. Being rich for three generations is also a concern of many rich people. How to pass on all the wealth accumulated in one's hard life to the next generation is the wish of all rich people, and the tax-free function of insurance is irreplaceable. The role of the designated beneficiary is to avoid property disputes. Dividend-sharing financial insurance, life insurance and trust are all ways of wealth inheritance that rich people can consider.