Financial tips on insurance

Insurance tips 1. Insurance is the economic pillar of the family. I suggest that you first improve the life insurance, accident and serious illness protection of your breadwinner, and then consider the protection of your spouse.

2. To buy insurance, we must first look at three things: the strength of the company, the quality and professionalism of the agent, and finally the product. And the choice of agents is the most important.

3. To buy insurance for you and your lover, it is suggested to consider accident insurance first, and then critical illness insurance. The critical illness insurance coverage should be at least 1.5 million -0.2 million. Women can consider purchasing critical illness insurance covering frequently-occurring diseases such as breast cancer. Then you need to consider hospitalization and accident medical insurance, which is a supplement to social security medical insurance.

4。 Finally, on the basis of comprehensive security, you should consider the needs of providing for the aged.

5. When buying insurance, the total personal insurance amount should be 5- 10 times of the annual income, at least 5 times. The annual premium paid by individuals should account for 15%-20% of their annual income.

2. What is insurance common sense?

Insurance amount and premium are not the same concept. The insured amount, also called the insured amount, is the maximum amount of protection for the insured and the basis for paying the premium. The essence of premium is the price of insurance policy, which is the price that the insured needs to pay in order to obtain a certain amount of insurance protection.

The insurer, the applicant, the insured and the beneficiary insurer are insurance companies that conclude insurance contracts in advance, accept the applicant's application for insurance and provide corresponding guarantee services. The applicant is the person who applies for insurance and is also the person who has the obligation to pay the insurance premium.

The applicant requires that adults and persons with full capacity for civil conduct, minors or persons without capacity for civil conduct cannot be insured. The insured is the object of insurance.

The insured can be an adult or a child, but if it is a child, it must be insured by his parents or guardians. Beneficiary refers to the recipient of life insurance death compensation. Generally speaking, life insurance needs to designate beneficiaries. If the insured dies, the beneficiary will receive death compensation.

3. What are some simple and practical financial tips?

1, not counting the annual income, calculate how much you earn in an hour, have you calculated it? It is very easy to calculate our income according to the monthly salary or annual salary, but we often ignore the income per unit time.

Hourly wage is the income per unit time, which represents the efficiency of making money: hourly wage = monthly working income/monthly working hours (hours). To increase the hourly wage, I must either find ways to increase my income or reduce the time to earn it. All financial freedom, in the final analysis, is time freedom.

We make money by increasing the income per unit time instead of desperately increasing the total income, so that we can have more time to do other things. 2. Everything is difficult at the beginning. There is really no way to start with a fixed investment fund with 100 million assets. The first 654.38+00000 is the most difficult.

There are 654.38+00,000 people who say that the first 654.38+00,000 is the most difficult. Many examples show that it is the most difficult to make the first money, and then it is relatively easy to roll up wealth.

Assets = initial capital * compound annual growth rate * time Most people need to start by accumulating a savings. The minibus once told an example of how young people with no background accumulated their first bucket of gold in a relatively fast and reasonable way.

Compared with pure savings, this method has higher income; Compared with buying stocks, this method is less risky. For those who don't have much time to learn about investment and financial management, this is a better way to start.

Of course, this is just a good way to accumulate the first bucket of gold, and you can't expect it to solve all the problems. 3. Understanding cycles and opportunities in cycles There is a joke about investment cycles: A man is walking down the street with his dog.

The dog ran to the front, back to its owner, behind its owner and back again. During the whole process, the dog ran back and forth again and again.

In the end, two people reached the finish line at the same time. The owner walked leisurely for one kilometer, while the dog walked four kilometers. The owner is the overall economic situation, and the dog is the investment market such as securities.

Periodic fluctuations are often several times the actual economic growth, which contains opportunities. For example, in the past two or three years, real estate has experienced a downturn, and it has gone from * * * to skyrocketing.

When we look back at newspapers, news and WeChat articles, we will find that house prices have been loose from the end of 14 to the beginning of 15, and we have entered a new * * * cycle. If we want to buy a house, it's the best time. Similar cycles exist in every kind of investment, so we should look at the history of investment and have a general understanding.

4. Settle accounts for yourself regularly. Just like the financial reports of enterprises, families also need to make financial reports regularly, so as to make corresponding financial plans. We can divide assets into three parts: current assets, financial assets and fixed assets.

Current assets include cash, balance treasure, bank deposits, supermarket stored value cards, etc. Financial assets include stocks, bonds, Yu 'ebao and Internet wealth management products; Long-term assets are mainly houses and cars. By recording the changes of these assets in a year, we can make family balance sheets, cash flow statements and income statements.

Through the balance sheet, we can see how much money we have, through the cash flow statement, how much cash we have to invest, and finally through the profit and loss statement, how much money we have earned in the past year. 5. The dynamic rebalancing of asset investment is divided into three different aspects: asset allocation, variety selection, timing trading, and the most important thing is asset allocation.

Asset allocation is a way to cope with and use the cycle. For example, asset rebalancing is a relatively simple allocation method. Balance is a simple entry-level asset allocation and holding model. It needs to find two kinds of investment products with opposite hedging effects, and then adjust them regularly according to the ratio of 50:50, which is essentially to achieve the effect of buying low and selling high.

For example, in the balance of stock and debt of financial assets, invest the funds in equity and bond assets at a ratio of 50:50, and make inventory regularly (for example, every six months), and adjust the ratio of the two amounts back to 50:50. Rebalancing may not be the highest return, but it only establishes discipline and avoids the psychological influence of the group.

6. Pay attention to cash flow, buy more assets and buy less liabilities. There are other ways to distinguish assets and liabilities from the balance sheet. From the perspective of cash flow, the difference between assets and liabilities lies in whether they can bring passive income. Assets = things that bring money every month, liabilities = things that take away your money every month. We need to know what assets and liabilities are, put limited funds into assets, and realize a virtuous circle like snowballing. Once the assets are large enough to generate enough income, it is not a problem to bear these liabilities at all.

From this point of view, if it is not necessary for work, buying a car may be a liability rather than an asset, because it costs us a sum of money to buy a car, and it costs us a sum of money to use a car every month. 7. Make it roll faster than you think and double it. If an asset rises by 10% every year, how many years will it double? How many years will it take if the annual increase is 15%? How many years will it take if the annual growth rate is 5%? If you use 100 to remove it, it is wrong.

The algorithm here is compound interest, which is compound interest. At the beginning of the year, it was 1 ten thousand yuan, with an annual increase of 10%, and at the end of the year, it was 1. 65,438+00,000, and 65,438+0 at the end of the second year.

2 1000, followed by 1. 330,000, 1.

460,000, 1.6 1 ten thousand, 1.

770,000, 1.95 million, you found that it nearly doubled by the end of the seventh year.

There is a rule called the 72 rule, which grows at the rate of X% every year, and it takes about 72/X years to double it. For example, 10% takes 7. 2 years, 9% takes 8 years.

Years required for doubling =72/ growth percentage * 100. If it is tripled, it is the law of 1 15. If we divide it by 1 15, it will increase by 23% for five consecutive years, and the total amount will triple. 8. What risks are needed to protect family finances? For example, what if the breadwinner dies? Who will pay the loan, and who will support the children and the elderly? What if the hospital bed can't work? Who will raise it? Who will support the family? What should I do if I spend money on a minor illness? What should I do if my child gets sick and has an accident? What should I do if something outside my body is broken? For whom? For what? The first principle of insurance is the principle of giving priority to family support.

4. Senior two economic knowledge 65 What is insurance?

What is insurance? How many kinds of insurance are there? Insurance is a system in which many individuals and units facing the same risks provide funds and share the losses for a few of them who actually suffer losses.

Insurance companies are specialized in handling various insurance businesses. After being insured, citizens usually pay a certain premium. In case of unexpected losses, they can get corresponding economic compensation from the insurance company according to the contract.

Insurance business in China is basically divided into two categories: property insurance and life insurance. Personal insurance is based on human life or body (that is, the insured object).

When the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract, the insurer (that is, life insurance company) will bear the responsibility of paying the insurance money according to the insurance contract. Personal insurance business can be divided into three categories according to the scope of protection: life insurance, health insurance and accidental injury insurance.

The establishment function is different from that of commercial insurance. The relevant person in charge of the China Insurance Regulatory Commission said: "Compulsory insurance is a brand-new insurance system in China, which is essentially different from the commercial third-party liability insurance that consumers used to be familiar with. Although consumers are always used to comparing the two, especially concerned about whether the price of compulsory insurance will be higher than the original commercial three-liability insurance, this comparison is not scientific enough to some extent.

After all, they are two completely different species. "From the original intention of setting, the two are fundamentally different.

Comparatively speaking, compulsory insurance undertakes more social management functions. The establishment of compulsory motor vehicle traffic accident liability insurance system is not only conducive to timely and effective economic security and medical treatment for road traffic accident victims, but also conducive to reducing the economic burden of traffic accident victims.

Commercial three liability insurance belongs to commercial insurance, and the purpose of insurance companies to operate this type of insurance is profit, which is obviously far from the business philosophy of "no profit, no loss". In addition, compulsory insurance is mandatory that general liability insurance does not have.

As long as the owners or managers of motor vehicles driving on the roads in China have to apply for compulsory insurance, uninsured motor vehicles are not allowed to drive on the roads. This compulsion is not only reflected in compulsory insurance, but also in compulsory underwriting. An insurance company qualified for compulsory motor vehicle traffic accident liability insurance shall not refuse to underwrite or terminate the contract at will.

Commercial three liability insurance is a civil contract, the owner or manager of motor vehicle has the right to choose whether to buy it or not, and the insurance company also has the right to refuse to underwrite it. At present, the third party liability insurance for commercial motor vehicles is implemented, and the insurance company determines the liability for compensation according to the accident liability of the insured in traffic accidents.

After the implementation of compulsory insurance, whether the insured is responsible for the traffic accident or not, the insurance company will make compensation within the limit of liability according to the regulations and the specific requirements of compulsory insurance clauses. .

5. What is the common sense of medical insurance?

Q: What is medical insurance? A: Medical insurance refers to insurance that provides medical expenses protection. It is only responsible for the payment of disability caused by disease and is one of the main contents of health insurance.

The function of medical insurance is to get financial help when the insured has a large amount of medical expenses. Q: What is the meaning of "disease" in medical insurance? A: The diseases referred to here (1) are caused by non-congenital reasons; (2) It is caused by internal reasons of the body; (3) If it is caused by unexpected reasons, it can be treated by drugs, surgery and other means.

In other words, there must be a reason and it can be treated. Q: Can people with disabilities buy medical insurance? A: Yes.

Disabled people can't insure the disability-related part, because the insurance company won't cover what has happened or existing diseases. However, the rest of the insurance is completely acceptable.

Q: How is the premium of medical insurance calculated? A: The premium of medical insurance is recalculated every year. The amount of premium depends on a series of factors, including medical security and the scope of disease; The age of the insured; The physical health of the insured; And the degree of taxation of the policy.

Q: Where can I buy medical insurance? Answer: You can purchase medical insurance directly from various life insurance companies, or you can entrust an insurance agent to assist in the purchase. But we must pay attention to the insurance liability, exclusion liability and price (premium) of the policy, and compare different types of insurance from these aspects.