1 thought on “How to distinguish between several types of insurance”
Leah
Insurance products are classified at present, although there are many types of insurance varieties, it comes back, nothing more than the following categories: . Life insurance, including lifelong life insurance, regular life insurance, life and death, etc. . Unexpected insurance, including accidental damage insurance, disability insurance, etc. . Medical insurance, including medical insurance, hospitalization subsidies, major illness insurance, etc. 4. Various insurances, such as pension insurance, educational insurance, investment connection insurance, dividend insurance, etc. Generally, this type of insurance generally has the function of life insurance plus investment and financial management. It's functional function of insurance can be divided into two categories: one is the guarantee function and the other is financial management function. As for the choice of insurance varieties, it is determined that the individual's situation can be roughly divided into people with burdens and people without burden. For the danger that embodies responsibility, only people with burden need. For example, a young man who has just left the school and embarks on his job. His parents have their own career and income, and they belong to a crowd without burden. For him, life insurance does not belong to the basic needs. Similarly, for families who are married but have no children, if both husband and wife have good income, they can also be classified as no burdensome people. On the other hand, even if there are no children, if the income gap between the husband and wife is relatively large, the high -income party will have a certain economic responsibility for the low -income party, and he is a burden. For those with burdens, life insurance, medical insurance, and accident insurance are basically needed. For children, there is no financial responsibility for others, only medical insurance is necessary. As for the more common education insurance, of course from the perspective of insurance, of course, it is not necessary, but from the perspective of financial management Good investment in financial management. Extension reading: [insurance] How to buy, which one is good, teach you to avoid these "pits"
Insurance products are classified at present, although there are many types of insurance varieties, it comes back, nothing more than the following categories:
. Life insurance, including lifelong life insurance, regular life insurance, life and death, etc.
. Unexpected insurance, including accidental damage insurance, disability insurance, etc.
. Medical insurance, including medical insurance, hospitalization subsidies, major illness insurance, etc. 4. Various insurances, such as pension insurance, educational insurance, investment connection insurance, dividend insurance, etc. Generally, this type of insurance generally has the function of life insurance plus investment and financial management.
It's functional function of insurance can be divided into two categories: one is the guarantee function and the other is financial management function.
As for the choice of insurance varieties, it is determined that the individual's situation can be roughly divided into people with burdens and people without burden. For the danger that embodies responsibility, only people with burden need. For example, a young man who has just left the school and embarks on his job. His parents have their own career and income, and they belong to a crowd without burden. For him, life insurance does not belong to the basic needs. Similarly, for families who are married but have no children, if both husband and wife have good income, they can also be classified as no burdensome people. On the other hand, even if there are no children, if the income gap between the husband and wife is relatively large, the high -income party will have a certain economic responsibility for the low -income party, and he is a burden. For those with burdens, life insurance, medical insurance, and accident insurance are basically needed. For children, there is no financial responsibility for others, only medical insurance is necessary. As for the more common education insurance, of course from the perspective of insurance, of course, it is not necessary, but from the perspective of financial management Good investment in financial management.
Extension reading: [insurance] How to buy, which one is good, teach you to avoid these "pits"