Have you ever had a life insurance policy and regretted it?

• Term life insurance: suitable for the economic pillar of ordinary families with debts (family breadwinner) and unmarried only children to buy, reflecting the love and responsibility of the family, leaving love and not leaving "debt".
• Increased whole life insurance: both protection and savings, savings function is even greater than the protection function, cash value written in black and white insurance contract, safe determination, locked interest rate, continuous and stable compound interest appreciation, suitable for ordinary or middle-class families to do medium and long-term asset allocation planning.
• Fixed whole life insurance: referred to as leverage life, suitable for medium and high net worth users to do asset preservation, directional wealth inheritance and tax planning.

1. Financial security: Provide financial support for family members, especially the family's main source of income, to reduce the impact on family finances in the event of an accident or illness.
2. Inheritance: Through life insurance, you can provide a tax-free inheritance fund for children, spouses or other beneficiaries.
3. Debt repayment: Used to repay loans or debts (such as home loans, car loans) to avoid debt problems affecting family financial stability.
4. Education and retirement planning: Use life insurance with savings or investment functions to fund your children's education or your own retirement.
5. Tax savings and wealth accumulation: Some life insurance products can enjoy tax benefits and long-term wealth accumulation through insurance contracts.

• Limited budget, as the main source of income of the family, want to transfer the risk of early death, then choose fixed term life insurance: low premium, high coverage, can be used to transfer the risk of early death at an important stage of life.
• Budget is sufficient, want to leave huge assets to the next generation, you can choose fixed life insurance: inevitable compensation, can specify inheritance, reasonable tax avoidance.
• The budget is sufficient, and there are medium and long-term family asset planning needs such as children's education, but the money needs are not clear. The optional increase life insurance: lock interest rate Long-term interest rate, steady appreciation, and policy flexibility.
• The budget is sufficient, there is a clear pension, children's education and other medium and long-term family asset planning needs, choose annuity insurance: lock medium and long-term interest rates, steady appreciation, the policy has the characteristics of special funds.