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“有余钱,赶快给您的孩子买保险吧。”保险推销员们充分利用中国特有的“421”型家庭长辈们对孩子的过分疼爱,为孩子设置了可购买多份的重疾险、住院险、意外事故险及提供教育保障金、创业基金乃至养老基金的多种保险,形成了“健康、就学、就业、养老”一条龙的保障。理财专家说:“预期回报越多、许诺利益最大的地方,漏洞与误区也最多。”事实的确如此。从我和朋友们给孩子买保险的经历中,我发现了许多买险的误区和短视行为。为了让更多的父母们少走弯路、提高财商,在此我把自己的经验和教训以及专家给出的建议与大家共同分享。
“Have enough money, hurry up and give your kids insurance. ” Insurance salespeople take full advantage of China’s unique “421 ” family elders love children too much, set up for children to buy more copies of the weight Health Insurance, Hospitalization, Accident Insurance and Provision of Education Insurance, Venture Capital and even Pension Insurance have formed a one-stop guarantee for health, education, employment and retirement. Financial experts said: “The more the expected return, promised the most interests, the most loopholes and errors. ” The fact is true. From my experience of buying insurance for my children and my friends, I found many misconceptions and shortsighted behaviors for buying insurance. In order to make more parents detours and improve financial business, I hereby share my experiences and lessons, as well as the advice given by experts.