How to make an insurance plan suitable for the whole family?

When making insurance plans for families, the following principles need to be followed:

Principle 1: Every member of the family needs to be insured. When applying for insurance, the first premise is to plan insurance for family members as a whole. Many young people will think that as long as their parents have insurance, they are still young and do not need insurance. In fact, this idea is all wet. As a member of the family, young people should not only support their parents and other family members, but also protect themselves. If anything happens to him personally, it will be a fatal blow to the whole family. Therefore, when you make an insurance plan for your family, you should play a game of chess for the whole family.

principle 2: maximize benefits. In economics, there is a term called "maximum benefit", which means to achieve more business results with the same labor cost. In the process of insuring their families, everyone should also follow this principle, that is, to obtain the maximum economic security with the minimum economic cost. First of all, you can take your family to do a comprehensive physical examination and get to know the latest physical condition of your family, so that you can judge what risks your family may face, and you can make a reasonable risk management plan to avoid risks in the process of insurance.

principle 3: do what you can. Insurance is also an option to be considered only when the whole family has a certain economic strength. In addition, the purpose of buying insurance is to make life more secure and improve the quality of life. If you spend too much on insurance, you will put the cart before the horse and lose more than you gain. When making customized insurance plans for families, we should also follow the earlier planning, the better; Avoid risks through insurance portfolio; Families with consumer loans must have sufficient insurance protection and so on.