Will you buy insurance? How to configure?

Regarding the quality of insurance, from the perspective of risk sharing, insurance is definitely necessary. Since the risk is shared, we should buy accident insurance, critical illness insurance, medical insurance and life insurance. No matter how rich you are, I suggest you don't buy financial insurance, which is beyond the scope of risk outsourcing.

As for how to configure it, I personally think that different people have different configurations.

Let's talk about the method of choosing a company first. It is good to choose a medium-sized insurance company. For example, second-tier insurance companies such as Prudential and Italy will have very high cost performance and more diversified and humanized product design.

Let's talk about several important principles of personal configuration insurance.

1. The annual insurance premium shall not be higher than 10% of the annual income. Personally, I think it is better to control it at 5%-8%. In other words, if your annual income is 654.38+ 10,000 yuan, the expenses spent on insurance are 5,000 to 8,000 yuan. If you have to buy a lot, there is nothing you can do. It's a personal hobby, but it affects your financial security.

2. Because the investment is small, in order to insure enough, we can only buy consumer insurance. Consumer insurance has the characteristics of low premium and high security, which can meet the needs of small funds and large security. As for the return-type principal-guaranteed insurance, don't buy it.

3. Buy critical illness insurance and medical insurance first, and buy it for whoever feels important at home. If you have money. Just buy a term life insurance for the person who makes the most money in the family.

If the child is healthy, buy a small accidental medical treatment, which costs tens of dollars. You need to buy serious illness first, and then buy it when there is real demand.

5。 In the process of purchasing, we often buy a lot of products that are completely unnecessary, often because others bought this, or because of the conscience recommendation of insurance agents. It's good to buy insurance and pay only one type of insurance. Don't rush to buy portfolio insurance. Sometimes too much is not good.

If you have other questions or want to know more about insurance, you can pay attention to the official WeChat account goodmoney.