First of all, you should buy yourself adequate protection, including critical illness protection, accident protection, medical protection. If you have a family and you have an old man and a young man, and you have a loan, you should also buy adequate life insurance protection. Secondly, if the economic conditions permit, then buy some commercial pension insurance, supplemental pension. After all, big data show that women's life expectancy is generally longer than that of men.

The amount of configuration is also a certain standard, the following is for reference only:

Critical illness protection in accordance with the annual income of 5-10 times to configure the amount of insurance. （

Accidental protection in accordance with the annual income of 10-20 times to configure the amount of insurance (as far as possible with the disability liability)

Life insurance protection in accordance with the outside of the debt situation and family responsibilities to configure

Medical insurance can be configured in accordance with the current net red million medical insurance, preferably with the function of medical advances, and then add an accident medical insurance.

Pension protection can be configured according to their own quality needs for future retirement

And the configuration of the insurance is a gradual process, need to be based on their own actual economic situation, as well as a comprehensive consideration of the whole family's security configuration, can not be blindly greedy for the whole, or else these protections will also become a financial burden.

The following three points are listed for reference only:

1. When the premium budget is limited, follow the principle of prioritizing the amount of insurance, give priority to term insurance, and make a large amount of insurance to meet the recent demand for protection, and then consider increasing the amount later on when the economy is more affluent;

2. If the premium budget is generous and you have a habit of managing your money, you can also prioritize the term insurance, and make use of the savings in premiums to do some

3, the premium budget is generous, but there is no financial habits, you can consider lifelong protection products, protection for a long time, but also do not have to worry about investment and finance, save energy and worry.