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Data:2009-12-12 2:34
As the insurance companies, the development and strengthening of people's sense of insurance, more and more people intend to buy insurance for themselves and their families. But in insurance, make sure to feature a variety of insurance products have a clear understanding of the insurance money is really spent on the knife's edge.
Highest priority: health care insurance
Concerned about their own health and for health investment has become fashionable. Select insurance type of average families in the order or decision of insurance, how much to insure, it should be the most important position on the health care insurance, we must give priority to buy enough of the critical-illness insurance and various types of hospital medical insurance.
Early to consider: old-age insurance
China has entered the aging society, the current family structure into a "4 îš? îš?" type, a couple need to raise four elderly people and a child, is nothing less than heavy financial burden. Therefore, it should be taking advantage of the prime of life, when income was quite good for their own old age, as early as what to do as much as possible saving some money for the sons and daughters "burden reduction." In this regard, the commercial insurance can help you find one.
An important part: spread risk
Investors should not put all your eggs in one basket can be a certain percentage of their own funds to invest in stocks, bonds, real estate and insurance, if the success of the first three investments, insurance can help people to a reasonable tax avoidance; such as the first three the investment losses, the insurance can effectively protect their future lives, and provide them with the funds needed to stage a comeback.
Ahead of its intention to: Education and marriage
In most families, their children became the center of life in the child's life, there are three stages of the most important and most in need of money - that is education, marriage and career, for our children's future will not suffer because of economic impact could be considered as soon as possible to buy some children's education, insurance, to ensure that children in education and career can get a help.
The rational use of: tax avoidance function
According to the provisions of tax law, if they are insured person dies within the validity period of insurance, the insurance company will pay the death according to the contract bond, such as the designated beneficiary on a single insured, insurance companies, insurance will be paid to the beneficiary, are not deducted income tax, so you can maximize the preservation of the family's property from loss.
