一生要買的七份保險的購買順序

　　anquanhebaozhangshimeigerenshengmingzhongzuidadexuqiu。renmenzaishengmingdebutongjieduanmianlinzhebutongdejingjixuqiuhefengxian。zhezhongjingjixuqiukeyitongguobaoxiananpai
，congdanshendaojiating，congyangyuzinvdaomianlinyanglaojinheyichanwenti。zheshimeigerendoubixujinglideshengminglicheng。zai這個過程中有七個保單是必不可少的。今天我將列出生活中七張保單的購買順序！

　　1.意外險

　　無wu論lun是shi兒er童tong還hai是shi成cheng年nian人ren，收shou入ru都dou很hen低di。一yi個ge意yi外wai險xian是shi必bi須xu的de。如ru果guo你ni每mei年nian幾ji百bai元yuan的de保bao費fei就jiu當dang購gou買mai一yi套tao衣yi服fu，你ni可ke以yi提ti前qian承cheng擔dan風feng險xian。也ye許xu你ni可ke以yi事shi先xian安an排pai你ni應ying該gai做zuo的de事shi情qing。無wu法fa預yu測ce明ming天tian會hui發fa生sheng什shen麼me。花hua一yi點dian錢qian把ba風feng險xian轉zhuan嫁jia給gei保bao險xian公gong司si。因yin為wei事shi故gu無wu處chu不bu在zai，生sheng活huo是shi不bu一yi致zhi的de。如ru果guo我wo們men不bu是shi神shen仙xian，我wo們men必bi須xu為wei第di三san方fang因yin素su造zao成cheng的de事shi故gu計ji劃hua意yi外wai險xian,社保醫療或新農村醫療。

      2.重疾險

　　由於環境因素，空氣汙染，一個人生命中發生重大疾病的概率約為72％
，而er社she保bao則ze不bu報bao銷xiao進jin口kou藥yao物wu

，護hu理li費fei用yong和he收shou入ru損sun失shi費fei用yong。一yi個ge家jia庭ting成cheng員yuan因yin疾ji病bing而er患huan有you大da量liang貧pin困kun病bing例li多duo了le。年nian輕qing的de計ji劃hua是shi費fei率lv低di

，準zhun備bei早zao上shang
，並bing為wei下xia雨yu天tian做zuo好hao準zhun備bei。 重疾的保額至少是年收入的三倍。

　　3.壽險

　　您nin是shi否fou有you抵di押ya貸dai款kuan，汽qi車che貸dai款kuan還hai有you很hen多duo責ze任ren未wei完wan成cheng，例li如ru撫fu養yang父fu母mu，養yang育yu子zi女nv和he對dui配pei偶ou的de承cheng諾nuo。你ni對dui風feng險xian負fu責ze嗎ma
？有you足zu夠gou的de錢qian給gei他ta們men嗎ma？為wei了le保bao持chi留liu愛ai不bu留liu債zhai
，請qing提ti前qian計ji劃hua壽shou險xian。根gen據ju貸dai款kuan和he負fu債zhai的de適shi當dang規gui劃hua，壽shou險xian最zui好hao是shi年nian收shou入ru的de5-10倍。

　　4.兒童教育保險

　　wangzichenglong，wangnvchengfengshisuoyoufumudeyuanwang
，jiaoyuzhichubianchenglegangxingxuqiu
，baoxianbenjinanquanzhuiqiuwendingshouru

，fazhandingqichuxu

，yingtiqianjihua
，zuihaoshidaiyoutoubaorendebaozhanghuomiangongneng，shuangbaozhang。

　　5.養老保險

　　zhongguojinrulaolinghuashehui，jiatingjiegoufashenglebianhua。fuyanghaizihefangzhilaonianshibuxianshide。ruguonixiangzhuiqiugaopinzhidelaonianshenghuo

，nibixuzijitiqianjihua，buyaodengdaoniduziyiren，bingweinianqingdehuihuoerhouhui。

　　6.投資險

　　nishifoushiyueguangzu，buzhidaoruhekongzhixiaofei，buhuiguanlizijin，touziqudaodanyi，bingqiemeiyoushijianzhaoguta
？ranhourangbaoxiangongsiweininjieshengshijian，zhidingqiangzhixingchuxuxiguan
，bingtongguochangqitouzifenxiangfuhejiazhi。suiranlilvbushihengao，danjileishaochengduo
，meiyuegudingtouzibuhuicaiwuguanlideyueguangzu，rutouzilianjiebaoxian。

　　7.財富繼承

      有(you)錢(qian)人(ren)最(zui)害(hai)怕(pa)留(liu)不(bu)住(zhu)錢(qian)。富(fu)不(bu)過(guo)三(san)代(dai)也(ye)是(shi)許(xu)多(duo)富(fu)人(ren)擔(dan)憂(you)。如(ru)何(he)將(jiang)為(wei)下(xia)一(yi)代(dai)努(nu)力(li)所(suo)積(ji)累(lei)的(de)財(cai)富(fu)安(an)全(quan)傳(chuan)承(cheng)給(gei)下(xia)代(dai)所(suo)有(you)富(fu)人(ren)的(de)聲(sheng)音(yin)
，保(bao)險(xian)的(de)免(mian)稅(shui)功(gong)能(neng)不(bu)可(ke)替(ti)代(dai)的(de)。指(zhi)定(ding)的(de)受(shou)益(yi)人(ren)職(zhi)能(neng)不(bu)受(shou)財(cai)產(chan)糾(jiu)紛(fen)的(de)影(ying)響(xiang)。分(fen)紅(hong)理(li)財(cai)險(xian)，終(zhong)身(shen)保(bao)險(xian)，信(xin)任(ren)是(shi)富(fu)人(ren)考(kao)慮(lv)財(cai)富(fu)繼(ji)承(cheng)的(de)一(yi)種(zhong)方(fang)式(shi)。

      yishangbunankanchu，suizherenshengbutongjieduandefengxianbianhua
，xiangyingdeyeyaopeizhibutongdebaoxianlaidiyukenengyudaodezhongdafengxian。baoxianruguonenggoukexuehelideliyong，jianghuichengweirenshengdepingzhang，buguanfashengshenmeshiqing，dounengduoyifencongronghedanding。zhuyuanmeigerendounenghelideliyongbaoxian，genghaodeyongbaoxianqushouhuzijihejiarendeshenghuo。