How Do Ordinary Families Purchase Basic Insurance?

Rising prices, Inflation It has become the focus of discussion and attention from the government to the people. Since the end of last year, CPI (the consumer price index) rose all the way, hitting a 28 month high of 5.1% in November.

The rising price of many commodity prices in China has been increasing for a while. How should ordinary families be smart in the face of increased pressure on life? Conduct financial transactions In order to make them worry about themselves, insurance experts remind consumers that they must not lose their insurance when making financial planning for their families.

"Ordinary families are a group of people who are stressed by life. They are subjected to intense job competition and unemployment pressure, undertaking heavy tasks and family responsibilities, and the limited income determines their ability to manage their finances and resist risks. Therefore, insurance protection is particularly important for them. Sunshine insurance financial experts are prompt consumers. So, how to plan the insurance for yourself and family, and to set up a protective umbrella for the family financial system?

First of all, ordinary families need a basic life insurance. Although traditional life insurance and life insurance can solve life insurance in a certain period or even for a lifetime, their pension function is not obvious. At present, the average life expectancy of Chinese men is 71 years, and that of women is 74. With the continuous progress of science and technology, the average life expectancy of people continues to grow. The number of senior citizens over the age of 80 is increasing at an average annual rate of 4.6%. For families and individuals, it is necessary to make a retirement pension plan for yourself.

"Old-age insurance with dual functions of providing for the aged and personal protection is an economic and practical choice for the ordinary working class." A large life-insurance company financial adviser said.

Secondly, after having basic life insurance, we should also consider matching certain "major illness insurance" and "accidental injury insurance". The probability of using a major illness insurance in life is over 70%. Of the world's death toll, 66% die of serious diseases, and 30 to 45 years of age are more than 15% of the major diseases.

Another hidden killer known as "the major disease" and the two killer of the present society is "accidental injury". According to conservative statistics, the number of deaths in traffic accidents in China alone is about 100000 and injured more than 1 million per year. On average, there is a traffic accident every 7 minutes, and 1 people die every two minutes due to traffic accidents. At present, there are more than 140 thousand deaths and 4 million injuries in various industrial accidents every year, with an average of 380 deaths per day and 11 thousand injuries. In addition to other accidents, such as mining, air crash, shipwreck, natural disasters, etc. Data show that two people died every minute in the country.

"Therefore, an old-age long-term life insurance plus a certain amount of" major illness insurance "and" accidental injury insurance "is almost the same as the basic insurance package for the working class. Financial advisers further pointed out that "if the economic conditions permit, you can also add a" medical insurance "to solve the hospital outpatient or hospitalization expenses caused by ordinary diseases or accidental injuries, and re encrypt the personal defense risk system.

Sunshine insurance experts believe that "after the completion of personal risk protection system, we need to consider the family risk protection system." The risk of any member of a family member will affect the whole family. Therefore, the expert suggests that family insurance system should be established through mutual protection and co guarantee among family members, so that the whole family's risk guarantee system is reliable and reliable. When a family has a dense guarantee, the family property will be more secure. For the salaried class, this is also the best choice to relieve the pressure of life.