Is it necessary for a family to spend 1000 yuan a year on insurance?

Generally speaking, the total premium accounts for 10%-20% of the annual household income. For example, the annual household income 1 10,000 can be used to allocate insurance products 1 10,000. However, if the family's annual income is not high (for example, only 40,000 yuan), it is unnecessary to spend 1 10,000 yuan on insurance that year, because it will increase the economic burden of the whole family.

Before entering the relevant popular science, this insurance dry goods article is worth reading: before buying insurance, you must first understand these key knowledge points!

In fact, there are many things to consider when buying insurance, such as premium budget and how to choose the amount of insurance. All these require us to think carefully before taking out insurance.

The choice of insurance amount will generally affect the premium expenditure. If you buy a higher amount of insurance, the premium will be more.

This means that if you blindly make a high amount of insurance when buying insurance, although you can get a higher ability to transfer economic risks, it will also increase the economic burden brought by premiums. It may not be a big problem for people with adequate budgets, but for people with small budgets, it will increase the economic burden and thus affect daily life.

So, how to buy the insurance amount is more reasonable? This article will give you a detailed answer: How much insurance is appropriate? Tell me the doorway inside.

Suppose there are three family members * * *, then if you spend 1 000 yuan on insurance every year, you can basically only buy insurance of protection type, such as critical illness insurance, medical insurance, accident insurance and life insurance (suitable for family breadwinners).

Among them, the premiums of medical insurance and accident insurance are relatively cheap, and the life insurance premium of term life insurance is not expensive. For critical illness insurance, you can only choose to reduce the coverage or choose as few additional optional guarantees as possible, otherwise it will exceed the budget.

However, there is no shortage of critical illness insurance with good quality and low price in the market. If you are interested, you can look here: Top Ten Critical Illness Insurance with Low Price and Good Quality!

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