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Data:2009-12-12 2:34
Although the financial weekly, understand the different stages of life, need to arrange the different insurance products to protect, but the ladder-type consumption tends to be some errors, both in the process of the concept of an error, there are different stages of consumption, are particularly vulnerable to committing error.
Misunderstanding 1: life insurance plan can only be increased not reduced
Some people think that, since it is ladder-style consumption, they should be climbing style up, the more insurance products can only be selected more, the amount should be gradually accumulate, it is not. With the constant to the stage of life
?总体而言保险是越买越多了,但具体到每一个险种上并非完全如此?/p>
Life insurance planning changes, does not only mean an increase in number of policies. Because of family responsibilities, economic income change, the focus of necessary protection for each period we have been described in the previous text.
From not difficult to find a young man Casualty is necessary, but the amount is high, but after the accident has become an aging no longer very important. Life insurance amount is a single period of less, to the family growth stage and maturity due to heavy family burdens become very high, but once again lower in old age. Changes in medical products is not straight up, because the different periods of the specific needs of health care products are quite different. The needs of young accident medical insurance, to after the age of 40 may give more consideration to lifelong health insurance, and life-long medical benefits.
In the end is the increase is reduced, the key, or see the need.
Misunderstanding 2: Young people pay any attention to the insurance does not matter
In the single phase, which is insurance, "the initial consumption stage", young people are always on the insurance holding unnecessary attitude.
(A) the accident was too casual, fail to get me.
Like his name, like Tao Ziqiang insurance consumption is also very "self", always with a kind of indifferent attitude. Speaking of insurance, Tao Ziqiang always slightly self-deprecating tone of voice said: "I think my luck is not so well, the world's more than 60 million people, but why then potted on咱my head in."
And many young people think, like Tao Ziqiang there is a luck-based mentality: "The world so big, how can there be so many accidents, even if the accident does not necessarily turn to their own." But the accident is the objective sudden accident, It is not the individual's will, which when patronizing, patronizing who is the head, anybody's guess. It is exactly because the probability of accident and the uncertainty with the young when it should buy accident insurance. Accident insurance is sharing the loss of a financial arrangement that it has "a man-made masses, the masses as a person" mutual characteristics, despite the accident gave rise to the wide variety of disaster, but if the insured a certain Paul the amount of accident insurance, this can at least protect the victims and their families has received considerable economic aid, in the spirit of giving a certain degree of comfort.
If, as Wang Tao Ziqiang can think of so many white parents to 1:00, this indifferent attitude may change a lot.
(B) young people do not need to buy health care insurance.
Similarly, the young Chen would have preferred to buy accident insurance, but she was right to buy health insurance are excluded. She always felt that I could get any more serious so young? Well take care of minor illnesses to cope with the passed.
But in fact, in a single period is to promote Young people do not buy health insurance, not because young people to buy this product but not suitable for taking into account economic factors. If you have the budget, young people take advantage of young, low rates to buy a consumer-based health insurance is actually very good for their protection. If the budget adequate, the first part of the life-long medical care is not bought too, plus a maximum of protection later.
Moreover, the young people to buy accident insurance must be attached when the accident medical care, because young people more energetic outdoor activities, it is easy to get some small accidental injuries, young people in the door of social security and low levels of protection for emergency, business insurance, can this be added.
(C) to take out insurance than an investment to make money.
Xue Jin is on stock investment is fascinated by young people. Is not only concerned about the stock market all day, but their own want to have some money left over to invest in the stock market to go.
Young people basically no family responsibilities, better ability to take risks, so you can use some of the more aggressive investment. But this does not mean that all young people and therefore must reject the insurance.
Young people can not buy savings nature of insurance, but high-protection-type products must make some plans, as long as the annual premium paid by the income ratio is reasonably within your overall investment plan it will not have any effect, the contrary, it can also provide venture capital escort.
Misunderstanding 3: do not treasure their families as they grow during the period
Household growth, the accumulation of wealth is also starting soon, and yet have a family and the child's burden. Bought a new home must be paid for the month, bulk household items still need to purchase, everywhere need to use the money to "blocking loophole" place. At this moment, the insurance on both spouses may be some "shortness of breath" and was unwilling to buy their own insurance to spend more.
(A) I am relatively heavy financial burden, there is no spare cash to buy insurance.
Xiaoshan, 32-year-old, under the old and small, he always said: "I do not buy insurance, the family living to a place to spend money, not that spare cash. Most kids to buy a."
But for those who have family responsibilities, the insurance is not a luxury, but rather a necessity. Not for their injuries, major diseases and the earning capacity of the protection is impossible to protect their families. You would prefer to save quite a bit in other places to, but also arranged to protect.
However, the economic cost, after all, need to be considered, so in the family growth, compared to the budget constraints of households can choose the product with no cash value and, based on your actual needs of the insured, the premiums will be cheaper.
(B) the child the importance of buying insurance would let their children to buy.
Xiaoshan, "to buy insurance, first to buy your child" is not scientific, in fact, buying insurance should be given the priority pillars of the family. With regard to this misunderstanding, Sinorama has repeatedly explained, the former text has also been involved in this will not go into.
Mistakes 4: Family, after maturity into two extremes
To the family maturity, the following two insurance spending more obvious errors.
(A) the insurance money can replace the
To the maturity of family, household wealth has accumulated to the highest point that their ability to cope with life in some of the financial difficulties that may occur, especially for claims have never experienced "the rich" is concerned, may produce "insurance useless mentality ".
However, the accumulation of wealth is not easy, why should all the responsibility on the shoulders have to carry it themselves? Need for a serious illness such as 100,000 yuan, while there is no problem of your financial burden. However, if you bought insurance, is likely to only 10,000 yuan will be able to solve the problem, why not keep it for your 90,000 yuan?
Compared to the majority of people against the "security role" for the rich people, the insurance's main role is to preserve the property they already owned.
(B) insurance to buy the better
Particular importance on the family who may also move toward maturity in the family the other extreme, that is particularly fond of buying insurance, saying that "the insurance to buy the better."
Buy more insurance at the same time means that more and more will have to pay premiums. Once their income reduced, it is difficult to pay high premiums when the situation will face an embarrassing dilemma. Rational behavior should be, according to their age, occupation, income, and so the actual situation within its power to the appropriate insurance. The cost of insurance is best about 10% of their income is appropriate.
Moreover, similar to products such as medical expenses insurance, the insurance compensation due to adoption of the principle of the need for proof of reimbursement, so even if you buy multiple copies, can not exceed the scope of their own expenses to be reimbursed. Is tantamount to a waste of premiums.
Misunderstanding 5: follow the trend of buying insurance
Follow the trend of buying insurance is the various stages of the people are easy to commit faults.
Recently popular on the market now universal insurance, almost all of the companies have introduced different forms of universal insurance, advertising stations are playing badly. Old Li had worked with or not, "Universal's House also bought a little?" But insurance is not fashion, not a "buy popular" consumer areas, do not follow the trend of an insurance policy.
The first step must understand that they have no such insurance requirements, and then only to consider Otherwise buy such insurance. Is not suitable for someone else's product, would certainly suit him. Universal insurance for family leisure in the capital are higher, and preferably a sustained and stable funding in the future can continue to invest in universal account for the limited resources of individuals and families, universal products are not suitable, it is better to buy protective Hua Xiaoqian better products.
Before dividends products, investment and related products, "debut", the all the mistake of "pursuit" of the boom, as if overnight, for all the people to purchase insurance and investment company dividend insurance. But later the fact that most people have done is not the right choice, "follow suit" makes a lot of people have suffered economic losses. Therefore, the insurance consumer demand must be consistently good, take it as a family of "large consumer durable goods" carefully chosen, not to blindly follow the trend.
