Purchase of life insurance need to take full account of Common Misunderstandings Analysis Insurance

Category: Insurance tips Release Date: 2006-08-01

1, with regard to the insurance function of Misunderstanding

1, "the insurance rate of return is too low, might as well invest in real estate and stocks,"

Analysis: This idea ignores the basic function of insurance is to transfer to defuse risk, rather than make money.当风险来�?紧急用�?投资项目即使可以出手也会白白蒙受损失（试想主动出手与被动急于出手的差别）�?While buying insurance is a preventive measure, may reach the "Small is Big" in
Effects, but also the liberation of capital investments in security.

2, "buy a savings-type insurance, can not move money into the better records of bank, would like to take on the take"

Analysis: expected insurance funds invested a high degree of mobility, ignores the savings-type insurance is to achieve long-term goals (such as pension, children's education, etc.) do earmarking arrangement. Initiative in planning a small part may be usually do not care about "ignorance," spend the money, through the mandatory savings and accumulate wealth, if too "flexible", but not easily able to save money.

3, "is not enough to buy all of my old-age insurance, pension expenses, and no need to buy"

Analysis: expected reliance on insurance completely resolve a problem or solve all the problems are unrealistic. Pension arrangements require comprehensive planning. Often throughout our entire work period, while a collection of savings, insurance, investment, etc. and common solutions. Commercial insurance settlement is usually the part must ensure that, "OK" is the difference between the main features of other ways.

Second, with regard to the insurance plan portfolio of misunderstanding, "the protection of my family is very comprehensive, adults and children are bought, all have a healthy pension, an annual premium of only a few thousand pieces,"

Analysis: blind pursuit of species diversity, "to guarantee the full" and ignored the reasonable protection of lines and the corresponding risk priorities. Security amount (insurance amount) is based on the real income of household living standards as a benchmark calculation, the annual income 10 million households, the total amount reported was 100 thousand yuan is clearly not enough. In the accident, heavy enough to cope with no risk of disease and other safeguards, the rush to buy old-age pension insurance is not wise; also in adults (economic pillar) has not yet received full protection under the love child eager to give the child to buy a lot of insurance is also unreasonable risk when the occurrence of life are affected, premiums in question.

Third, on the purchase of insurance, the timing of the errors one, "I was very young, the body Ye Hao, no need to buy insurance, health insurance can go to poor health when the buy"

Analysis: expected in the "best buy" opportunity to buy insurance, is unrealistic. People will never be able to know when and how the risk of coming, be prepared for a rainy day is a real action. And while health insurance in particular, critical-illness insurance has a waiting period of several months, "to have feelings of" buy insurance are is too late. The lifetime risk of major diseases sooner the type to buy, the longer the guarantee period, but also inexpensive, as time goes on, the economic impact on families getting smaller and smaller. When older than the young by underwriting much more difficult.

2, "I have an old, under a small, but also the loan, no money to buy insurance"

Analysis: that "have the money" when buying insurance is also the role of risk and insurance, lack of knowledge performance. Buying insurance or not, what to buy insurance, buy a lot of insurance should be based on the risk and the family economic situation of comprehensive consideration. The more economic strain, the weaker the family of anti-risk ability, the more need for insurance, once the risk of coming lead to disastrous consequences, it may destroy the future of three generations. This family can be considered consumer-oriented short-term insurance, the price is very cheap, you can get full protection of the family, the family can rest assured that the pillars of the struggle.