There is a saying, "There are days of the ominous clouds, there were good and bad fortune overnight." In fact, a person's birth, is faced with a risk society. And one adult from the start in life at all stages of a bear different social responsibility. Some people have joked that there are three major modern worries First, for too long to live, with their own money Second, go early, with family money Third, the twists and turns in the middle, we use the money. Although a joke, but there is a certain logic. In that case, if the insurance from the point of view, everyone in every phase of life, it is necessary to do a good job for their own "security risk" to allow life insurers to become all stages of life barriers.
25-year-old to 30-year-old life on a regular basis + accidental injury insurance at this stage is a single stage, but also business, is also one of the golden age of health, economic independence, the necessary economic responsibility is a relatively small. As a young man, when the demand for insurance should be mainly self-protection. The inexperienced young man, not a very stable income, mainly from the risk of accidental injuries, especially drivers, it can choose an additional life insurance on a regular basis accidental injury insurance, in the event of an accident or death due to illness, for family members, Parents to provide funds or a basic cost of living. During this period, old-age insurance can be slowed, more stable income, such as when to buy based on financial resources. Taking a panoramic view of the market, the insurance company has its own characteristics with the life insurance and accident insurance, accident insurance and additional years of general insurance premium to pay only several hundred dollars, "the smaller the age, the cheaper the premiums."
30-year-old to 40-year-old investment-type life insurance dividends + + children's accident insurance risk at this stage in life is a major turning point in the stage. Many people choose to get married around the age of 30, after the insurance needs to be escalated, at the same time also increased the financial management of the new concept. As the insurance industry, a lot of insurance products not only provide security, but also can be a financial management tool. At the same time, the stage is the stage of parents, children born to a family, and even referred to as "epoch-making" changes for the next generation to cultivate and nurture the whole family to become the most important thing. At this point, both husband and wife, either an accident, the entire family, as well as the impact of child life are great. Therefore, at this stage, life is the heaviest responsibility, the highest demand for insurance.
As a result, the entire family from the perspective of risk selection of insurance products, first of all, in order to ensure the healthy growth of children, as parents have the appropriate security, because in the early stages of life, parents are the best security barrier, the spouse who Or unable to work, it will greatly affect family life insurance at this time of the design, the general family of the main pillars of the economy mainly. Both husband and wife can choose to protect the life of higher life insurance and certain additional medical insurance and accident insurance. At the same time, consideration should be given to the future of pensions and housing loans, economic conditions permit, they can also choose to invest in dividend-type products. Second, the insured can choose for their children. To buy insurance for their children's education fund to be based on the children's risk insurance is designed for children are included in the next phase of the capital for development.
Need to be reminded that, not only for children insured at the expense of the protection of adults, if adults are accidents, for the purchase of children who are going to pay the insurance premium? If you do not pay premiums on time, then the children will not enjoy Corresponding to the interests of the insurance.
No comments:
Post a Comment