How to buy insurance correctly? If you master the five basic principles, you will buy insurance.
Do basic security first, and then do savings and financial management.
Life has seven insurance policies, accident insurance, medical insurance, serious illness insurance, life insurance, education fund, pension, wealth inheritance. The order of purchase is very important, if the order is wrong, it may lead to money spent without solving the problem. Therefore, we should first do the first four basic guarantees, and then do education funds, pensions and wealth inheritance. Basic security and savings and financial management are very important, but there is a sequence of allocation.
Protect adults first, then children and the elderly.
The essence of insurance must first protect the economic pillar, children and the elderly do not create income, once there is a problem, their first protection is adults, and if the economic pillar falls, it is really the collapse of the sky, so the protection of adults is more urgent. Therefore, when configuring the security scheme, it is best to have a unified family planning, if it must be divided into priority, then it must first protect the breadwinner, and then protect the elderly and children.
Protect the big risk first, and then protect the small risk.
First of all, big risks must be transferred out through insurance, because once this risk occurs, the entire family may interrupt income and fall into difficulties, such as: serious illness, death, total disability, aging (that is, old-age care). The small risk of headache, fever and cold, it does not cost a few dollars a year, and has little influence on the family, which is within the range.
First to protect the family's first economic pillar, and then to protect the family's second economic pillar.
If there are two breadwinners in the family, the one who earns more money first; If both are insured at the same time, the amount of insurance that makes more money is higher, matching its income.
Look at the terms first, then the company.
This is the most important one, and often many ordinary people will ignore. Many friends buy insurance, will be concerned about a problem, reliable, in case the insurance company goes bankrupt how to do? This also leads to the misconception that "big companies" must be reliable. Do not look at the terms, resulting in problems when the final claim. Insurance is different for other products, we can rest assured that each country's insurance system is very strict, as long as the contract is clearly written, even if the insurance company fails, the banking and Insurance Regulatory Commission will designate other insurance companies to take over.
On the contrary, if the terms are not on the table, even the so-called "big companies" will not pay a penny more. Moreover, for the changing times, to comply with the changes of The Times, if the rut, unchanged, regardless of size, will be eliminated, such as the mobile phone giant Nokia. Therefore, when you buy insurance, you must first see whether the terms are suitable for you, and then choose the company.
