Insurance into the homes of ordinary people to whom to buy the most important Insurance Tips

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

After 10 years of development, the insurance has entered the homes of ordinary people, buying insurance is no longer what is uncommon. However, many people purchase insurance, there are errors ------ buying insurance for their children the importance of self-insurance does not matter. Ever since, the various aspects of education, children's health insurance and payment insurance popular, selling is booming, traditional life insurance difficult to compare with. In fact, this idea is totally unacceptable, as the mainstay of family economy, there are elderly people to support, under the children to take care of as soon as he was suffering from illness or due to problems of economic income, the family will no doubt trouble the economy this time, the elderly with your child how to do? insurance for their children is important, but do not forget, only the backbone of its own as a family to obtain a firm guarantee for the family to survive on an "insurance umbrella."

Insurance companies introduced all kinds of accidental injury insurance coverage in general regard the age limit of 65 years of age, pension insurance, insurance against major diseases, the age limit of 60 years of age. Therefore, the life insurance consultant's recommendations, if you want to buy old-age insurance, preferably before the age of 50.

Relevant data show that China will soon enter old age social, due to China's vast population, social security, low security, wide coverage for the principle, so the arrival of an aging society will produce a series of social security issues. Old people are often easier to suffer from various diseases, this can not help but to pay for a costly medical expenses, while the post-retirement income to be reduced, once the sick, lives would be no small impact. From this point of view, essential to the protection of old age.

In the modern family structure is becoming more a "421" (ie, 4 for the elderly + a couple + one child) trend, as time goes by, the proportion will grow. If the elderly health care, no protection is bound to greatly increase the burden of their children in order to alleviate the burden on junior, may permit more than the economy for their own accident insurance and ill buy some insurance, and this is the real reflect the substantive concerns of their children .

Faced with increasingly severe problems of population aging, the traditional rely on their children, relying on old-age units probably are not enough ways to make old people young to maintain the standard of living. Therefore, some far-sighted of earners have begun to look to invest in diversified commercial insurance, in a relatively comfortable income, "squeezing out" an act within our capability, in order to buy their own certain life insurance or investment-type old-age insurance, old-age pension for future economic supplement. Need to be reminded that the type of insurance product has a feature younger, the cost of each paid less, if the want to buy insurance sooner rather than later.

General insurance companies of more than 50 years of age consumers to buy pension insurance, there will be certain restrictions. If more than 51 years of age (inclusive) officers insurance, are required to undergo a medical examination; buy critical-illness insurance, payment can only choose 5-year period is usually a one-time payment or paid. In addition, critical-illness insurance is similar to more than 50 years of age pay rates are generally higher.

In the organs of Mr. Huang, 51-year-old, he recently bought in the Pacific Life Insurance Company, "Shoubinanshan" old age insurance. All in all, he was some regret, why not earlier insurance, because "Shoubinanshan" products are not insured limit, that is, simply choose a primary insurance, you can attach a lot of insurance, without insurance, the amount of restrictions, and more As early as the more affordable insurance. Huang said: "The people's living age will become longer, while the person's work experience has become increasingly short, it is unrealistic to expect to rely on old-age child. I do not want to become a burden on their children. Through the purchase of commercial insurance, early planning better their own future, retirement will not be stretched in the economy, through the life insurance to achieve a sense of security, so that my live with greater dignity. "

As to how to buy endowment insurance, financial planner, buy the insurance with your age, your stage of life, your identity match to do what one can. Insurance at all stages of life, well according to plan. For example, the bachelor, the period just do not buy a lot of work, insurance, buying some with their match on the money then, you can buy some unexpected medical and other protection-type insurance. If you got married or have children later, shoulders the responsibility is not the case, not only to increase the amount of protection, but also for the old age pension a rainy day. Premium payments from the point of view, in order to ensure that their living is not affected, not blindly buy the insurance, the annual premium not to exceed the general expenditure of 20% of their annual income.

Insurance experts say, older people generally can not insure payment of the option period means the option of wholesale payment period collar, that is, paid a one-time premium, a few years later stages according to the contract (annual or monthly) to receive pension payments. Faced by older persons is not only the basic necessities expenses, medical expenses is a big one, we might add some appropriate health insurance, to address the seriously ill surgical and hospitalization expenses reimbursement or subsidies. Regardless of when the insured pension insurance, whether or not there is a cost-effective, the most fundamental thing is to make their own income the insured a reasonable plan, that is how we will be rational allocation of their income into the future without any income for those years in order to ensure that even without an income nor will the future quality of life be affected substantially.