Precautions for purchasing insurance:

One: Choose the right insurance.

Give priority to three types of insurance that have a great impact on yourself and your family in the case of death (life insurance), accident and serious illness; Second, provide for the aged.

Two: determine the amount of insurance.

When these three types of risks occur, how many claims are needed, and the family's economic life will not be greatly affected;

Three: determine the guarantee period.

According to the personnel structure, life stage, consumption habits, budget, etc. , determine whether to buy regular products or lifelong or long-term products. If the budget is limited, we must consider the near future first. )

Take critical illness insurance as an example: pay attention to the following points:

There are many kinds of critical illness insurance, and only those that meet your actual needs, have high cost performance and good claims service are the first choice. )

1, according to the guarantee period: fixed term and life;

2. Impact on other types of insurance after payment: pay in advance (after payment, the amount of death will be reduced accordingly) and pay extra (the death liability will not be affected);

3. Payment times: once, twice, three times, four times, etc.

4. Exemption: late payment fee is exempted for minor illness and late payment fee for serious illness;

5. Observation period: whether life insurance and critical illness insurance are the same, and some life insurance (death) has no observation period;

6. Comparison of extra compensation for individual diseases, duration of protection and scope of diseases (this article is tricky, so special attention must be paid).

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For more information, you can search online for "Insurance Meeting Room in Lv Bo" or follow Sina Blog, QQ, WeChat, etc. You are also welcome to inquire.