Aunt Jing has been in the insurance industry for many years.
But the past three years of the epidemic can be regarded as witnessing history.
Many things that were rarely encountered before have been regarded as gaining knowledge in the past three years.
Do you know what Aunt Jing has received the most inquiries in the past few years of the epidemic?
Solution configuration?Claims tracking?Underwriting Assistance?
None of them!
It's that the previous insurance was expensive, and now that the economy is in a recession, how to surrender the insurance can be more cost-effective......
It is no exaggeration to say that on average, one out of every three consultations has such a case.
Therefore, buying insurance is also a technical job, and if you buy it well, you will lose more if you don't buy it well.
So if you buy insurance for the whole family, how much is the insurance budget more reasonable?
According to Aunt Jing's experience over the years, it is best not to exceed 5%-10% of the family's overall annual income.
Within this budget range, premiums are more than enough to pass on the risk to which your current income can be exposed.
You can't say that you have a monthly income of 3,000, but the mortgage is tens of millions, right?
And within this budget, the payment of premiums will not affect normal life.
Even if it encounters a once-in-a-century situation such as the epidemic, it will not lead to a shutdown of the family economy.
Of course, this number is not absolute.
Very simple example.
A young couple with no one to help them, it is already very difficult for their children to go to kindergarten, and they can't even afford to get sick.
Ninety percent of the annual income is spent.
In this case, if you spend 10% of your annual income to buy insurance, it is very outrageous......
At this time, it is only necessary to configure millions of medical insurance and accident insurance for a family of three, about 1,000 a year, which is enough for emergencies.
Therefore, 5%-10% is just a figure suitable for the vast majority of families.
If you really can't make up your mind, it's okay to come to Aunt Jing for advice
Once you have a clear budget, you can be flexible with your options.
There is a way to buy with more money, and there is a way to match with less money and less money.
So how should we allocate the budget reasonably?
In terms of premium planning, Aunt Jing suggested that everyone follow the "six insurance principles":
Protect first, manage later.
First person, then property.
Adults first, children second.
Protect first, manage later.
When making family financial planning, Aunt Jing always believes that "security is protection, and financial management is financial management", and each should perform its own duties.
Therefore, when you buy insurance, you should first consider the protection needs of insurance, and do a good job of basic protection (medical, critical illness, accident, life insurance, etc.);
If you have money to spare, consider investment needs such as wealth management and stored value.
Life insurance first, property insurance later
Life insurance: The life and body of a person are the objects of insurance, such as accident insurance, critical illness insurance, medical insurance, life insurance, etc.
Property insurance: property and related interests are the objects of insurance, such as family property insurance, transportation insurance, cargo transportation insurance, etc.
I believe that this article does not need to be explained too much by Aunt Jing.
In the case of limited budget, of course, the first insurer, other property insurance can be appropriately supplemented.
Adults first, children second.
When families buy insurance, they must do it first for adults and then for children.
On the premise of ensuring that the adult protection is sufficient, if there is a balance, then consider the baby's protection, after all, parents are the child's biggest "insurance".
It can also be said that insurance should be purchased for the breadwinner of the family (i.e., the person who earns the most money in the family) first, and then for the rest of the family.
After all, if the family's economic pillar falls, the loss and impact on the family are the most serious, and the urgency is the highest when this risk is transferred in advance.
As long as you protect yourself first, you are the best protection for parents and children.
Aunt Jing said:
If you want to buy insurance without stepping on the pit and spending less money, you must reasonably control your premium budget, which is the first step for us to choose the right insurance.
Then, according to the current specific situation, clarify what insurance is really needed;
If your budget allows, you can't go wrong with the plan that suits you best.
Then, you will find that the insurance that used to be tens of thousands of dollars can be easily completed for a few thousand dollars.