"If I give you 5 million, will you have a baby?" - Answer: No!

This is the choice of many "empty nest youth" and "DINK families", either not to get married, or not to have children after getting married. The reasons are nothing more than the following:

The harm from the original family leads to fear of marriage, let alone wanting children;

Losing the ability to feel happiness around children;

< p>Poverty is the original sin. Raising a child is expensive and makes people flinch.

So, no more marriage, no more DINK.

According to a social survey conducted by Zero Point Survey Company in February 2017, there are more than 600,000 "DINK" families in large and medium-sized cities in my country. Now that it is 2020, this data must have increased a lot.

This group of people has chosen the life they expected, but they are also labeled as "selfish" and "irresponsible", and are often dissed: "If you go out and mess around, you will have to pay back sooner or later."

The reason is nothing more than being old and helpless. But in fact, there is a better solution.

1. Risks faced by DINK families

The greatest joy of choosing DINK is that life belongs only to you.

In terms of time: you can fully control all your spare time, play as much as you want, and go crazy as you want;

Economically: have more time to work hard, accumulate wealth, and make money by yourself It doesn’t matter if you spend your own money, rent or buy a house;

In marriage: maintain a relaxed state of love for a long time, and have more attention to the other person.

Isn’t it enviable? Live completely for yourself. However, as we grow older, we have to face two problems:

Diseases and accidents: People who eat whole grains are exposed to unforeseen circumstances. As long as we are born as human beings, we will face this risk;< /p>

End-of-life issues: If you have no children, whether your savings can support a decent old age is a question.

Fortunately, most DINK families are relatively well off financially and have the ability to make themselves happy. So, how can we live out the rest of our lives more decently and with more dignity? Insurance awareness and advance planning are essential.

First of all, the basic protection must be fully equipped, and the four basic insurance types "critical illness insurance + medical insurance + accident insurance + life insurance" should be provided as much as possible.

Secondly, use annuity insurance for financial investment so that you can have a stable and continuous cash flow in your old age.

Finally, it is the retirement community that provides a high-quality life in old age.

Second and four basic insurance configurations

Next, Yuanli will introduce the insurance plan based on whether the budget is sufficient. Of course, insurance plans are not the same. After all, each DINK family has different property conditions, risk preferences, and brand preferences, so each configuration has its own emphasis.

The following plan is for reference only.

1. Limited budget

Some people are passive due to financial pressure. Just like a sentence: I have spent all my luck and energy to improve my quality of life, and I no longer have any energy left to give birth to and raise children.

If the financial pressure is a bit high, then, here is the combination:

Two people, the annual premium is 22,197 yuan, and the cost of raising a child is spent on insurance. This cost is really not much. You can get the following protections:

Critical illness insurance: 500,000 insured amount, lifetime protection.

It is necessary for DINK families to choose lifelong critical illness insurance.

The role of critical illness insurance is to cover loss of income. If you unfortunately suffer from a disease that meets the contract, the insurance company will give you a large amount of money in one lump sum. We can use this money freely to treat the disease. , going abroad for physical therapy, physical recovery, etc.

Moreover, according to recent data released by the National Health Commission, the average life expectancy increased to 77.3 years in 2019. Imagine that when you are 70 years old, it is the period when diseases are most common, and this critical illness insurance can be regarded as a reliable protection.

Medical insurance: 3 million insured amount, buy for 1 year and guarantee for 1 year.

Medical insurance is a reimbursement type, and you can reimburse as much as you need for treatment. This product has all the protections that should be expected, the price is relatively cheap, and it can be transferred to other medical insurances of the company without a waiting period, which is quite good.

Accident insurance: 500,000 insured amount, buy for 1 year and guarantee for 1 year.

Accident insurance is the cheapest type of insurance, costing hundreds of dollars a year, and the leverage ratio is extremely high. Among them, the most practical one is the accident medical section. The accident medical limit of this product is 50,000, which can basically cover the medical expenses of various minor accidents.

Term life insurance: 1 million insured amount, guaranteed until age 70.

Some people say that DINKs, who don’t have children, can just live well on their own and there is no need to buy life insurance. This idea is too selfish. Don’t forget, just because you don’t have children, your partner and parents are the closest people to you. If you die unexpectedly when you are struggling in middle age, this money can be left to your partner and parents, which is also a responsibility.

In general, this plan is the most basic protection in Yuanxijun’s opinion. Once you choose DINK, you can use the money to raise your children to protect yourself and your partner. This way, you will have more confidence in your life. .

2. Sufficient budget

After investigation, intellectuals and high-income groups are more inclined to DINK. They attach great importance to spiritual enjoyment and are financially well-off, so they are very concerned about family security. The budget is sufficient.

This plan chooses multiple-payment and pre-protection critical illness insurance, which greatly increases the protection against major diseases.

Critical illness insurance: The insured amount is RMB 1 million per person, guaranteed for life.

For example: Suppose Mr. Yuan allocates according to the above insurance types every year, and unfortunately suffers from cancer when he is 50 years old, the critical illness insurance will pay a one-time sum insured of 1 million, which can be used for medical treatment. , please ask a caregiver to wait.

In the event of death due to ineffective treatment, the insurance policy can pay a sum of RMB 1 million to protect the lives of the remaining family members.

3. You need stable cash flow

If you have already provided basic protection, and at the same time have a sum of spare money that cannot be used in the short term, you want to pursue stability and security. If you want to obtain continuous cash flow at the expected time, then annuity insurance is very suitable for you.

Especially for DINK families, savings, savings, cash flow, and retirement are all things that need to be planned in advance.

Some DINK friends have this question: If you want to manage money, added whole life insurance and annuity insurance are very similar. They can force savings, lock in interest rates, continue to benefit, and have safety and stability. What should I do? select?

In Yuanlijun’s opinion, the main differences between the two are as follows:

That is, if you want to pursue better returns or plan a simple pension plan: It is more appropriate to configure pension annuity insurance;

If you want to achieve asset inheritance: extended whole life is more suitable, because it also has the functions of wealth appreciation, debt isolation, financial financing, and asset inheritance.

Yuanxijun’s suggestion is that DINK families give priority to annuity insurance. After all, there are no children to support, so you can just live a good life during your lifetime.

4. The ultimate configuration: retirement community

We have money and security, but if we are in our seventies or eighties, no one will take care of them, which is a big problem. There’s a place to go here too – a retirement community.

At present, the existing large-scale and complete high-end senior care community ecology in China is basically linked to insurance companies, such as Evergrande Health Valley and Taikang Home of Taikang Life Insurance.

The service is good, but the price is also expensive, and it is only suitable for high-net-worth people.

Yuanxijun feels that ordinary DINK families do not need to be too obsessed with retirement communities. They usually communicate more with similar people. In their later years, it is also a good choice to live with three or five friends to take care of each other.

Yuanxijun said

There are thousands of kinds of people in the world, and everyone is responsible for their own choices.

I never judge grand issues such as life and life easily, and I don’t think it is necessary. When a person thinks clearly about his own choices and takes care of his own life, this is the best for his parents and society. explanation.

One last reminder, while improving the quality of life of the DINK family, don’t forget to provide some protection for your parents.