7.8 National Insurance Public Publicity Day-Insurance financing is the safest.

1, set a reasonable goal.

Family insurance financial planning needs to assess the risk tolerance of all aspects and determine reasonable financial objectives. In addition, at different stages of the family, the risks and benefits will be very different, so we can't simply invest in a single financial insurance to enjoy success, and we need flexible planning. We must take into account the situation of self-protection and children's education, rationally allocate family assets for insurance financing, and make the best use of the money invested in financial management to meet the needs of families at different stages.

2. Multi-factor assessment in advance.

Financial management includes insurance, finance, finance, taxation and risk control, involving a wide range of knowledge. Ordinary people's professional knowledge cannot be comprehensive, and investors are prone to blindness when investing. At this time, it is necessary to find a professional financial institution to make a comprehensive evaluation of themselves and make a reasonable insurance financial planning.

3. Flexible adjustment and modification of financial plan

Family financial planning will generally make long-term financial planning, but changes in income, family structure and macroeconomic factors will affect financial planning, so it needs to be changed in time.

Second, how to make an insurance financing plan

At present, financial insurance in China mainly includes dividend insurance, investment-linked insurance and universal insurance. It is recommended to choose a more stable dividend insurance or a more flexible universal insurance, which can be purchased according to your own economic conditions.

1, dividend insurance

Dividend insurance is a form of insurance in which the insured shares part of the operating results of the insurance company on the basis of certain insurance protection. Dividend insurance has a minimum guaranteed interest rate, which can guarantee the basic protection of the insured. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

2. Investment-linked insurance

Investment-linked insurance is a form of insurance that combines insurance protection with investment and savings. Insurance companies set up separate investment accounts for the insured, which are operated by specialized investment experts. After deducting a small amount of expenses, the investment income will be transferred to the insured's personal account. All investment gains and losses in the investment account shall be borne by the insured.

3. Universal insurance

Universal insurance and dividend insurance are similar in terms of minimum income guarantee and sharing of operating results between insurance companies and policyholders, but they are more flexible in premium payment than dividend insurance. The insured can adjust the insurance amount, premium paid and payment period according to the security needs and economic conditions at different stages of life, so that the proportion of security and financial management can reach the best state in each period and the limited funds can play the greatest role.