The average life expectancy of women is longer than that of men. This means that most women have to live alone for many years after their spouses die. For elderly women who live alone, besides their own medical expenses, it is also a very big expense to ask someone to take care of them. Therefore, women must plan for their savings and security. This is not to say that my husband and I are separated, but a normal preparation process. In essence, insurance uses the present money to make preparations and arrangements for the future, and uses a small sum of money now to incite a sum of money to deal with future emergencies. Therefore, women can really make good use of insurance as a financial management tool to plan for themselves and their family life.
In addition, in our nature, a woman will prefer to make long-term plans and see more risks. Therefore, the sales data of insurance companies show that more insurance policyholders are women. Women are generally worried about family health care, and they don't know where the money comes from when the risk occurs. Therefore, if women don't save too much money, they must leave a lot of working capital. Either you worry too much and you can't solve this concern all the time. At the same time, women pay more attention to children's education. I hope to bring the best education to children, and the preparation of education fund is not a small expense. The problem of providing for the aged for myself and my parents in the future is also a big mountain in my heart.
Therefore, insurance is a very good financial management tool, which can help women take away their worries. The first thing women should buy is accident insurance and critical illness insurance. The probability of an accident is relatively low compared with a serious illness. The function of accident insurance is to pay a sum of money in case of serious accidental injury. Leave a sum of money for yourself for future treatment and rehabilitation, or leave a sum of solatium for your family. Critical illness insurance is small and broad, and a small sum of money is used to incite a large sum of money when it is most needed. Critical illness insurance claims are not only used for treatment expenses, but also for follow-up rehabilitation and follow-up income loss compensation.
In addition, medical insurance is also one of the necessary insurances for women. Medical insurance can help women to reimburse the remaining medical expenses after social security reimbursement when they usually have medical expenses. Take away your biggest trouble!
Secondly, your own pension insurance also needs to be prepared early. Use the compound interest of time to leave some of your present money for the future without reducing the quality of life.
What needs to be explained here is that women need insurance to help us take away worries and get ready. However, simple product purchase cannot solve the problem. Insurance or other financial instruments must be used in a planned way to play a role. Otherwise, buying a bunch of products will not solve the problem.
For more women's consultation and study on insurance purchase, please pay attention to @ MengMeng Yuan or my official WeChat account MengMeng.