Purchase the principle of the insurance

    Along with the increment of people's income, the finance mangaing consciousness goes deep into public more and more, in addition to the more traditional bank save,the national debt,the business stock and the industry investment, open type fund,trust,foreign exchange business,the real estate investment,the business insurance etc.s all become people concern of focus.But compare under, the insurance investment is more and should be people risk consciousness of body now, this is neglect by the many people.

    Insurance the most important function be at the future risk appear to loss of a kind of economy compensate.So, shouldn't in brief the rate of return of the insurance with other investment and finance products opposite ratio, and consider the insurance investment to match on these grounds not worth the cost, but should at as long as WEN BAO3 has already solve of premise under, buy a guarantee for oneself according to own effective demand.The insurance investment is more kind of financial risk managements that is in personal finance mangaing, mainly is guarantee personal body,life or the family property and can get after being injure in expiation of, make the risk get dispersion, avoid personal or family because these damages suffer from larger injury.Try to give it a bit of thought, have no the guarantee to result in the damage to various surprised trouble, in case of took place disease perhaps surprised trouble, the body suffered from injury, working to break off suddenly, perhaps the automobile,house be subjected to loss, will cause the decrease of the family finance income or break off, cause living level of rapid descend.

    Insurance is various investment methods suffer a stroke insurance lowest,most the ability body"gives timely assistance" result now of finance mangaing tool.But, because of lacking the insurance knowledge, and some insurance agents recommend"strongly", the most citizenry purchase insurance not rational.How rational investment is, suit is the new problem that the oneself purchases a suitable insurance product to become many people to face and family practically.

    The insurance product of the choice adequacy

    Purchasing the insurance product mainly should consider whether the responsibility of the insurance product can satisfy an own need or not, full understanding relevant insurance product with insure a single certificate of various elucidation data,insure of the procedure and process,oneself can undertake of premium with pay fee term etc..

    The occupation that wants to be according to your oneself first tailors the insurance product of[with] demand.If you do the administration work in the office, seldom being on business, buy various transportation accident insurance and then isn't very necessary.Contrary, if you usually are on business in the business section, also wanting to go a dangerous mountain area,plateau to work, insuring accident insurance so can help you to relieve obviously not a few cares at home.

    For the general family, the long-term insurance choose 5 the －s pay the fee period for 20 years more suitable.But if the family is stronger pay an ability, the investment and finance outlet again less, can consider to pay a way to purchase the insurance product with a time.At the concrete choice insurance product, is sell currently because of each insurance company of the Human body insurance product schedule to the interest rate is the tallest is 2.5%, have of product even only 1% schedules to or soly interest rate, is the insurance product of the lower repay interest rate, so the choice purchase to retire to enjoy life,annuity and life long When the insurance of life insurance etc. long-term grow, if have a certain economic condition, had better choose to give bonus or invest link a type, although this price of article is higher and some than traditional product, can reduce later loss for interest rate to soar.Moreover, because of insurance company the current funds usage be subjected to a lot of restrictions, investing environment also more overcast, to the investment of the type's product with give bonus repay also lower, this belongs to normal phenomenon, we should purchase according to own effective demand, best want to return insurance policy easily, otherwise have certain loss.

    Buy insurance within our means

    The insurance that don't want to think the oneself purchase is more many, enjoy to of guarantee more many.Contrary, if the excessive investment is on the insurance, once you appear an economic crisis, can't pay expenses on time, the insurance policy will lose meaning.So, monthly purchase the amount of money specific weight of the insurance and should share an oneself 5% of the income for month is good to 10%.Because once the oneself's economic income reduce, premium can hardly continue to hand over a high sum of accept , then if return insurance policy and then will result in huge great damage, will also lose a guarantee.Don't return insurance policy hard maintenance again, will be placed in in a dilemma embarrassed area ground.The expert suggest insure of expenses with 5% of oneself's income to 10% is proper.Namely if you can earn 50,000 dollars for a year, taking out 2500-5000 dollars to buy insurance is appropriate.

    Purchase insurance generally according to the understanding of how much can carry on a calculation according to the following formula:"Insurance that need to be purchase= you want of the insurance degree － your existing guarantee level", also be say, if you want 300,000 dollars guarantees, but your agency preserve 70,000 many, the company is 20,000 dollars for your buying the complement insurance again, so you as long as buy and can protect 200,000 dollars that file insurances all right.So, the consumer of the reasonableness, should be actual according to the age,occupation,income...etc. of the oneself circumstance, the what lies in one's power ground the adequacy purchase insurance.

    Not corresponding period need dissimilarity

    Don't think the oneself just entered a society, the income is little, can wait until rich time to insure again.In fact this kind of viewpoint is wrong.People are placed in different life period, personal age,the work time,family structure,the income condition dissimilarity, so the insurance need is also different.Our wanting what to notice is the age is more light, the insurance fee is more cheap, therefore investing insurance more more good early.Way of doing made reference to abroad, the child rises and then start own the oneself's insurance programming from the birth, and companion it is the whole life.And person at 20 － the 30 years old period just stepped into the society, from rose to ran line toward terminal point to sprint, the most people body condition was good, energetic, and family the burden is not heavy, having no too big pressure on the economy.So the need of the insurance should limit to regard the oneself guarantee as principle, taking health,accident,endowment insurance as foundation.At the economic foundation is gradually stable, insure again some insurances that invest a type, there is steady and fixed income, so, can also be hereafter become a house to establish a career to do preparation.

    20 －s were 25 years old to just follow society, income not much face fluctuation factor have another, still have no enough of society guarantee, purchase of the insurance should regard accident insurance,the Human body insurance as principle.25 － the 30-year-old time has already become a house to establish a career, facing to grow, there is certain property, for example the house and automobile, the insurance should regard healthy insurance,the family property insurance as principle.The female healthy sex insurance of the for example female friend etc..30 years old later, there has been certain economic foundation, can pass an in brief steady way to living money for the oneself, insure an investment to give bonus a type of insurance is the best however.