From the perspective of security, newlyweds should buy critical illness insurance, medical insurance, accident insurance and term life insurance. On this basis, if there are still financial needs, we can also consider taking out financial insurance such as dividend insurance and universal insurance to further plan family funds. Remember to take a look at this insurance strategy before you apply for insurance: which insurance is good, how to buy it cost-effectively, and teach you to avoid these pits of insurance.

1. Configuration of guaranteed insurance products

Newly married couples need to be equipped with critical illness insurance, medical insurance, accident insurance and term life insurance.

Critical illness insurance can transfer the economic risks caused by major diseases, medical insurance can reimburse the medical expenses caused by illness or hospitalization, and accident insurance can pass on the risks caused by accidental injuries; Term life insurance can solve the family debt problem after the unfortunate death of the insured and reduce the family economic burden. These types of products can perform their respective duties and provide all-round protection for the insured.

Moreover, these types of products will not have claims conflicts. Please see this article for specific reasons: What is the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?

2. Configure wealth management products

In the case of complete configuration of guaranteed products, if there are still a lot of idle funds on hand, we can further consider whether it is necessary to insure some financial products to better plan family funds.

At present, the most popular insurance products on the market are dividend insurance, universal insurance and whole life insurance. Each product has different characteristics. You can look at this article and judge which financial product is more suitable for you: What is the difference between dividend insurance, universal insurance and increased whole life insurance? Which is the most cost-effective?

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