In real life, many families have an annual income of 100,000 to 300,000 yuan, which belongs to middle-class families. For such families, the ability to buy insurance is still relatively strong. However, you can't configure insurance at will just because you have a strong purchasing power.
For families with an annual income of 100,000 to 300,000, it is necessary to learn the correct way to apply for insurance. Only in this way will everyone's premiums be well spent.
Here, Wutongjun will give you a detailed introduction to how to buy insurance for families with an annual income of 100,000 to 300,000, and I believe it will help you avoid some detours.
Under normal circumstances, a family's annual premium expenditure accounts for about 10% of the family's total income. In other words, for families with an annual income of 100,000 to 300,000 yuan, the annual premium budget is between 10,000 and 30,000 yuan.
Of course, families with higher incomes can increase their premium budgets appropriately. For example, a family with an annual income of 300,000 yuan can appropriately increase the premium budget to 4-50,000 yuan.
For the policyholder, it is necessary to ensure that the budget is reasonable, and the normal living expenses of the family cannot be affected by the purchase of insurance.
In addition, the proportion of premiums for different family members is also different. For example, in a family of three, the husband can account for 45%, the wife can account for 40%, and the children can account for 15%.
There are many types of insurance in the insurance market, and you can't buy them randomly. In the process of allocating insurance for families, it is necessary to first configure the types of insurance that protect risks, and then allocate financial management insurance types according to the situation.
Types of insurance that cover risks include medical insurance, critical illness insurance, accident insurance and term life insurance. Wealth management insurance includes annuity insurance, increased whole life insurance, and comprehensive insurance participating insurance.
In a family of three, adults need to prioritize the allocation of millions of medical insurance, critical illness insurance, accident insurance and term life insurance, and children need to give priority to the allocation of millions of medical insurance, children's critical illness insurance and children's accident insurance.
For families with an annual income of 100,000 to 300,000 yuan, as long as the products are selected properly, the risk protection of the whole family can be fully configured quickly.
Choosing a specific insurance product is a complex process, which needs to be determined in combination with the actual situation, and everyone who encounters difficulties in selecting products can find professionals to communicate.
After determining the right product, it is time to enter the specific insurance link. There are two things that are particularly important in the insurance process:
1. Make health notices
Health notification is an important means for insurance companies to understand the true health status of the insured. The insurance company will give the coverage result based on the health notification results. Therefore, health notifications must be taken seriously.
When the policyholder makes health notices, they must strictly follow the real situation to inform, do not conceal or omit anything, and do not add subjective assumptions.
2. Fill in the insurance information
Filling in the insurance information is also a very important part. The policyholder must ensure that the information is true and accurate. When filling in the policy beneficiary, try to specify the beneficiary.
After the beneficiary is designated, in the event that the insured is out of insurance, the claim can be given to the person who wants to give it, avoiding financial disputes.
Through the above content, Wutong Jun has given you a clear introduction to how to buy insurance for families with an annual income of 100,000 to 300,000. In general, families with an annual income of 100,000 to 300,000 can get very good protection if they use the right method to apply for insurance.