Age: 25, monthly income is about 3,000, not much balance, five insurances and one housing fund, no car, parents are in good health, father is unemployed.

Please help to analyze it,

(1) Background information, basic personal situation, economic situation

(2) Analyze its insurance needs: Do you currently have it? Insurance protection; if there is, analyze the original insurance protection and its shortcomings; if not, analyze its current main insurance needs.

(3) Design insurance plan: Design a personal insurance product portfolio that can meet their needs. : I am relatively young and don’t have many physical problems. My parents have basic social security, I have a stable job and a stable income. At the age of 25, my parents are approaching retirement. Probably not married yet.

2: There is no need for insurance for future income. Because they don’t have a family, their parents don’t need much support from their children. It can be said that this person is dead when he is dead. It will not affect other people's lives.

There is a need for insurance against illness costs and final expenses. Because obviously personal and parental continuation is limited. Your own sudden death or serious illness may have an impact on your parents' lives.

3: It is recommended to purchase life insurance products with critical illness clauses. If your future income is likely to increase significantly, it is recommended to buy term life, otherwise it is recommended to buy whole life.

Based on current income, it is recommended that the insured amount be 100,000-150,000. The cost is 400-600 per month. It should not exceed 15% of the monthly income and should be affordable.

At the same time, depending on the nature of the work, if you go out a lot, it is recommended to purchase a certain amount of accident insurance. 100,000-200,000. Very cheap at about 200 per year.

Any insurance company has the above products.