Tag: planning

Why do you need to do a policy health check?

The main purpose of a policy checkup should not be just for sales, but to understand your existing protection and find out potential resources and problems. Through professional analysis, you may find that the policy has expired and has not been withdrawn, and there are opportunities to convert it in different ways, thereby solving financial pressure and optimizing protection. The checkup is free, but it can open up more financial options, which is a way to organize assets with no harm.

This is what insurance is like!

Insurance is not a tool to get rich, but a safety net to prevent risks from ruining you all at once. If you are the breadwinner of your family or cannot afford the pressure of an unexpected situation, you should configure appropriate protection. On the contrary, if your finances are sound, insurance plays a supporting role and funds can be used flexibly.

Is medical insurance too expensive? In fact, these two "logics" are different!

There are two logics for medical insurance: one is the "return type" with higher premiums but refundable upon maturity, which is suitable for people who value the sense of return; the other is the "pure protection type" that focuses on protection and has lower premiums, which is suitable for people who want to use a small amount of money to support high protection. There is no better one, the key lies in what you need most now.

Save 10,000 yuan a month to create a stable cash flow

As long as you save 10,000 yuan a month for 12 consecutive years, you will have the opportunity to build an asset of 1.5 million yuan. At the same time, you will start to receive rewards from the first year, which will increase year by year, up to about 55,000 yuan per year. As long as the principal is not moved, this cash flow can even last a lifetime. In the long run, not only will the principal remain, but the total amount of rewards may far exceed the investment, becoming one of the sources of stable income after retirement. This is a stable long-term savings strategy that can be customized according to personal conditions.
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