What are the basic principles of choosing insurance

We should pay attention to the following principles when choosing the type of insurance:

(1) Suit the remedy to the case: understand your own needs and be targeted. The main purposes of insurance are: life security, income security, pension security, disability security, disease medical expenses security, etc. After confirming the corresponding demand, we can choose the corresponding insurance type.

(2) Act according to one's ability: determine the appropriate amount of insurance according to one's own economic income. Generally speaking, the insured amount of life insurance is about 3 times of a person's annual income, while the insured amount of accident insurance is about 10 times of a person's annual income.

(3) Choose a combined insurance plan, through the combination of multiple insurance, to achieve the best protection effect. The so-called combined insurance plan is to put multiple types of insurance including life insurance, accident insurance, health insurance and so on in the form of one insurance plan. In this way, the insured can obtain more comprehensive insurance and save certain insurance costs.

(4) Select excellent insurance agents to ensure comprehensive after-sales service.