1. Clearly understand the purpose of purchasing insurance

First of all, it is necessary to clarify the purpose of buying insurance, whether to focus on its protection function, or simply want to manage money, and then choose the type of insurance.

It is recommended to return to the core concept of basic insurance, focusing on health insurance and accident insurance, and then 意外保險 other financial insurance.

When buying insurance, you must know that there is no limit to surrender during the five-point hesitation period.

2. Shop around

Although each insurance product has different designs and different payment methods, it is recommended to conduct a comprehensive horizontal comparison and choose the most suitable one, not the most expensive or cheapest.

Just like some critical illness insurance, it may only increase the coverage of some diseases, but the cost is much higher, so you need to roughly determine your own risk in this area and decide which configuration is better based on this.

It should be pointed out that due to the relatively strong professionalism of insurance, the Jiafeng Ruide financial planner recommends consulting relevant professionals for understanding insurance contracts.

In addition, the distribution of insurance is not necessarily limited to insurance in the Mainland. For example, insurance in Hong Kong has a significant cost-effective advantage over insurance in the Mainland. It is recommended to shop around.

3. pay attention to the payment method

In terms of insurance payment methods, attention should be paid to distinguish between "payment on maturity" and "one-off payment", reasonably assess whether personal income can bear future insurance premiums, and understand the circumstances of surrender and loss.

4. It is better to choose an insurance broker

Compared with insurance agents, insurance brokers are more independent.

Generally, only limited insurance agents recommend their own products, while insurance brokers are relatively independent, allowing investors to choose from a wider range of options.

5. Make good use of insurance’s "hesitation period" rule

Therefore, to buy insurance, you must know the relevant rules of the hesitation period in the insurance contract, usually about 10 days, some are calculated on a natural day, and some are calculated on a working day.