Smart housewivesinsurance through Insurance Tips

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

Buying insurance against an importance of the family that is well known, my insurance agent told me that in her hands for insurance, and those, like me, most likely, the housewives.
I and the process of dealing with insurance agents, and ordinary people experience the opposite. Although the initiative is also an insurance agent to find me, with her calculator ready for a bunch of rhetoric and a number of numbers game. She did not expect, I have insurance already done serious study, from the way of compound interest to the claims, to a combination of the relationship between investment and insurance has long been clear. I in turn suggested an insurance agent: do not just say thousands of people side of advertising, first take a look at my specific situation, and then consider what products to sell to me. Only sold me the right product, so I got most in need of protection, while not wasting a penny more, I will give you signing!
In charge of household finances as a housewife, I have my own set of insurance by, out and shared with them, maybe you need them:

╿insurance costs are now at the cutting edge on the bank's interest rate is low, so money buy unnecessary insurance, and not necessarily what the so-called investment value, coupled with strong demand at present interest rates, future interest rate variables can not help much, Therefore, the election is only for today is to have effective protection insurance, rather than flashy, function is not strong varieties, is to spend money on a knife's edge.
For our family, medical insurance, accident insurance, pension insurance is the three pillars, so that even if there is a Toutengnaore, out of a bad 2 3 wrong, the manner and the amount paid to the family breadwinner can not be a sudden collapse away. And so I spent the same money, I can put in their own lives the most dangerous thing to take into account rather than pay the premium every year, but it still feels precarious, no one to protect look.

╿home insurance who earn up to a maximum of one who is the most basic conditions at home are generally three people. That every one all of the insurance on the Qi of the month evidently the remaining money to drink enough, but why should it have.
My son is not Yousheng down when someone directed at unborn selling insurance, not only reading, business, marriage and such a thing, even the children of the 70-year-old old-age pension for me everything into account, saying it was your child's life love, there are reserved for commemoration of his life.
For the sake of their children of course very important, but can not just take the money for the love. I consider that the house 2 / 3 of Mr. Qian Shiwo Zhenghui Lai, and engage in technical work of his talented 65-year-old, so most of the family's insurance should consider him to buy, if there is the unfortunate accident occurred, the family can be a bottom line to protect.

╿to buy additional insurance to buy premium products, as set by a master insurance, the average person even if the insurance is designed to complete, but my design has only just begun, because I will be as much as possible for their own selection of the main risk with the additional risk. Insurance agents to promote the value attached to risk the equivalent of commodities, if it is combined with the main risk well, can get very high protection, and some insurance premiums paid can be extended to the Qing, or for life. Risk attached to buying good, and some even a danger when several main risks attached to it. So, every time I would ask the insurance agent of all fees and charges attached to protect told me to buy her as the main risk conditions.
Of course, the risk is not attached to anything suitable, most of the risk attached to it only targeted at those years, expired on wiped out, your account will not leave a penny, for example, medical insurance is one such patient. Hospitalization insurance, as I generally would not buy it, after all, in the hospital I do regarding the cost of several hundred dollars was out of it I do not have great utility, and I am now quite good health, hospitalization is not much chance, so why should for this very a small chance of the funds? Is not worth!

╿forever enough to get his own money to look at the insurance Jiyong terms, we know that something happens even if the insurance companies lose money, claims are also a lot of trouble, if not money, etc., would not cause delay. Some money can be really easy to go out, get back in his hand hard miles.
Allow insurance companies money, it will not Naqu emergency money to buy all the insurance, leaving some in their own hands, deposit banks, to do short-term investments Ye Hao, realized at any time ready to do a good job, do not trouble others insurance the company, and their own affairs themselves, more simply!

╿Investment appropriate insurance prior to our family, therefore, I patronize the purchase of basic security and accident insurance, and relatively neglected investment in insurance, now think about it, really missed the best time, as there have been 14 percent of the investment in re-Lida insurance, children five years of pay, but only more than 6000, was able to receive lifetime protection, is very cost-effective.
However, these two hot dividend investment insurance, I'd some caution, because the left-right balance calculation, income is not how impressive, but risk still exists, and if I have a better investment channels, that such a annual income, or a little money to take a little less grab my eye. Of course, if the investment products at home is limited, not any related investment knowledge, you can also buy some to increase investment in what species, but the details of dividends, I will still look good, just listen to those insurance agents, then distorted, or have been misled, miscalculated the bitter taste has to fend for themselves.

╿constantly adjusted to protect the contents have not previously married, I bought an old-age insurance, additional accident insurance, when the money is because there is no specific purpose, the heart to buy the more long-term future, the better protection of old; if an accident Parents can also be a bit of money comfort. Contributions for seven years, and compare the current old-age insurance, when the choice is wise.
After they married, wife earn more because of his insurance has become the focus of my house, I helped him in all aspects of the safeguards designed to ensure that the domestic economy to maintain a certain level of long-term.
The third year of marriage we have a 10-year loan bought a house models, these 10 years can not afford to lose their focus, or else the house could not go ourselves, so I added a 10-year accident insurance, the amount paid together with the a considerable amount of the loan.
Buy a house next year I was born a child, the child apart from the main risk comes in my accident on the outside there, what had not even bought insurance. We have to protect their own primary, so that financial resources of the family safe, the children will naturally grow up safe, no worries about food and clothing. However, apart from the one attached to risk, he also adjusted some of its own insurance, an increase of accidental injury and accidental death the amount of the payment to ensure there is an accident, the child's growth in spending will not change while it large reduction.