看完这个，就可以买好一家所有人的保险

<p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span style="text-align: justify"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span style="text-align: justify"><span ><br /></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span style="text-align: justify"><span >我们近几年帮众多家</span></span><span style="text-align: justify"><span >庭配置了保险方案，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span style="text-align: justify"><span ><br /></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span style="text-align: justify"><span >现在将感悟和理念梳理出来，希望通过这一篇文章能让你买好一家所有人的保险。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong ><span >一、保险第一课:「M242」快速认知保险</span></strong></span></section></section></section></section></section></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><br /></span></span></section><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOFC91b7x9OeDKsyQvLiagXZaUFUyhgUrDUibMLCzGNYFwbCbGdK7jhpQwLAmAfFlz6uWRwxrqib5K5w%2F640%3Fwx_fmt%3Dpng%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOFC91b7x9OeDKsyQvLiagXZaUFUyhgUrDUibMLCzGNYFwbCbGdK7jhpQwLAmAfFlz6uWRwxrqib5K5w/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=1" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span style="color: rgb(136, 136, 136)"><span >点击查看大图</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span style="color: rgb(136, 136, 136)"><span ><br /></span></span></p><ul style="color: rgba(0, 0, 0, 0.9); text-align: justify"><li ><p ><strong ><span ><span >M：money，</span></span></strong><span ><span >钱，买保险是获得应对风险的经济能力，也就是为了钱；</span></span></p></li><li ><p ><strong ><span ><span >2：</span></span></strong><span ><span >一定要保障的2类风险：人身风险</span></span><span style="color: rgb(136, 136, 136)"><span >（疾病、意外）</span></span><span ><span >、资金风险</span></span><span style="color: rgb(136, 136, 136)"><span >（通胀贬值、未来没钱解决养老和子女教育等问题）</span></span><span ><span >；</span></span></p></li><li ><p ><strong ><span ><span >4：</span></span></strong><span ><span >能够解决人身风险的4个险种：终身重疾险、定期寿险、医疗险、意外险</span></span><span style="color: rgb(136, 136, 136)"><span >（注意要单个单个买）；</span></span></p></li><li ><p ><strong ><span ><span >2：</span></span></strong><span ><span ><span >能够解决资金风险的2个险种：增额终身寿险、年金险，每个家庭成员都可以买</span></span><span >。</span></span></p></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >文章解读：<a target="_blank" style="color: var(--weui-LINK)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247500101&amp;idx=1&amp;sn=2d043dfef002e1b6b46c0cd825b2ffac&amp;scene=21#wechat_redirect" textvalue="保险第一课：「M242」快速认知保险！" linktype="text">保险第一课：「M242」快速认知保险！</a></span></span><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="text-align: left"><span >视频版戳这里</span></span><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczu0FOlN5F3qYuibYAVsa86rJEysKFLl3W8Jf0cPDQyWsnDj5HELqDzyXGbaDeBIFYPrTu4iaydNfCmQ%2F640%3Fwx_fmt%3Dpng%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D2" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczu0FOlN5F3qYuibYAVsa86rJEysKFLl3W8Jf0cPDQyWsnDj5HELqDzyXGbaDeBIFYPrTu4iaydNfCmQ/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=2" alt="懂保爷测评配图" loading="lazy" /></span><span style="text-align: left"><span >（懂保爷联合创始人保姑讲解）：</span></span></span></p><section nodeleaf=""></mp-common-videosnap></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong ><span >二、3类6大保险对比</span></strong></span></section></section></section></section></section></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >&nbsp;</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst5RqYqlTYDtiaddLicdYU3NNSb2DRFsx5tDrd1Glo3GpdsickzEIlhykfGKMDjFEPOyPSptqv4ic4Bq9A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst5RqYqlTYDtiaddLicdYU3NNSb2DRFsx5tDrd1Glo3GpdsickzEIlhykfGKMDjFEPOyPSptqv4ic4Bq9A/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong ><span >三、4大保障型保险</span></strong></span></section></section></section></section></section></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >&nbsp;</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span style="color: rgb(33, 89, 103)"><span >就人身风险的主要构成部分</span></span><span style="color: rgb(33, 89, 103)"><span >（疾病、意外）来</span></span><span style="color: rgb(33, 89, 103)"><span >看：</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >1、因疾病或意外达到重大疾病状态，需要治疗/无法工作导致收入中断/养护和康复等费用——通过<span text >重疾险</span>获得一笔可自由支配的钱；</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >重疾险挑选建议图：</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst4OfXic2SJTfIUPEL2h47OPFCpkxJfz5CP9QlgR3U66H3OjyPk6VErEfomIx52RSKfLp4aIRpQabfg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst4OfXic2SJTfIUPEL2h47OPFCpkxJfz5CP9QlgR3U66H3OjyPk6VErEfomIx52RSKfLp4aIRpQabfg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >重疾险评</span></span><span ><span >测文章：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247501527&amp;idx=1&amp;sn=4aa4f5c68205b55a0062643a5ead35cb&amp;scene=21#wechat_redirect" textvalue="少儿重疾多次赔，为什么我不推荐小青龙7号？" linktype="text">少儿重疾多次赔，为什么我不推荐小青龙7号？</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247501434&amp;idx=1&amp;sn=776dfc33bc936c89e93eb7b39e1e7d2d&amp;scene=21#wechat_redirect" textvalue="成人重疾险榜单！达尔文12号VS超级玛丽15号！" linktype="text">成人重疾险榜单！达尔文12号VS超级玛丽15号！</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247501451&amp;idx=1&amp;sn=7fc3d2edef364c2b468c8b025dfdb29c&amp;scene=21#wechat_redirect" textvalue="9月少儿重疾险榜单！青云卫6号vs大黄蜂16号vs达尔文，给娃买重疾险别瞎选！" linktype="text">9月少儿重疾险榜单！青云卫6号vs大黄蜂16号vs达尔文，给娃买重疾险别瞎选！</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >投保入口：【懂保爷】公众号购买入口菜单</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >2、疾病或意外导致家庭经济支柱身故或全残——通过【定期寿险】获得一笔钱给家人，用来延续家庭支柱的经济责任；</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><span >定期寿险</span></span><span >挑选建议图：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: center"><span ><br /></span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst4OfXic2SJTfIUPEL2h47OPF0Egboer3yiaBfkH8upX7QBYmDpiceWg584onibFxLWIqF46I3TU4VK5Mw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst4OfXic2SJTfIUPEL2h47OPF0Egboer3yiaBfkH8upX7QBYmDpiceWg584onibFxLWIqF46I3TU4VK5Mw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >投保入口：【懂保爷】公众号购买入口菜单</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >3、疾病或意外导致的医疗费用——通过【医疗险】去报销；</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><span >医疗</span></span><span >险挑选建议图：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><br /></span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst4OfXic2SJTfIUPEL2h47OPFOcQnvlUsEiatLEXEu1MpGkGkbzXF2wqianQKNCyzNkWR9VrnWTUSuVXA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst4OfXic2SJTfIUPEL2h47OPFOcQnvlUsEiatLEXEu1MpGkGkbzXF2wqianQKNCyzNkWR9VrnWTUSuVXA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><span >医疗</span></span><span >险投保攻略：<a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247499375&amp;idx=1&amp;sn=d0c666895eb99f7d5be636aa7b97fd2b&amp;scene=21#wechat_redirect" textvalue="一文读懂「医疗险」" linktype="text">一文读懂「医疗险」</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >投保入口：【懂保爷】公众号购买入口菜单</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >4、意外导致残疾——通过【意外险】获取一笔伤残赔付。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><span >意外</span></span><span >险挑选建议图：</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst4OfXic2SJTfIUPEL2h47OPFAP5TqAHNxLaRjw5JYNbmxWyICOtJicbKH6A2dFTicX7XibeIB57ctaQSw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst4OfXic2SJTfIUPEL2h47OPFAP5TqAHNxLaRjw5JYNbmxWyICOtJicbKH6A2dFTicX7XibeIB57ctaQSw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><span >意外</span></span><span >险投保攻略：<a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247499389&amp;idx=1&amp;sn=b9ab943f1bf0b36ae4488ad4abedad58&amp;scene=21#wechat_redirect" textvalue="一文读懂「意外险」" linktype="text">一文读懂「意外险」</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >投保入口：【懂保爷】公众号购买入口菜单</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span ><span >提醒下大家：</span></span></strong></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >以上4个险种一定要单个单个买，</span></span><span ><span >不要想着“买一份保险同时包含重疾险+寿险+医疗险+意外险”。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >这种打包几份保险当一份卖的保险，就是典型的</span><strong ><span >捆绑型保险</span></strong><span >，买即掉坑。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgb(136, 136, 136)"><span >篇幅有限不赘述了，感兴趣可以看下：</span></span><span ><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247499368&amp;idx=1&amp;sn=cbd7a49a174f823a44ebf2c262f1eed6&amp;scene=21#wechat_redirect" textvalue="不要去买这种险了，太不善良了" linktype="text">不要去买这种险了，太不善良了</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong ><span >四、2大储蓄型保险</span></strong><strong ></strong></span></section></section></section></section></section></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >&nbsp;</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span style="color: rgb(33, 89, 103)"><span >就资金风险的影响看：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >通胀贬值、未来没钱解决养老和子女教育等问题，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >都能通过锁定安全保本高收益的【</span><strong ><span >增额终身寿险</span></strong><span >】、【</span><strong ><span >养老</span></strong><strong ><span >年金险</span></strong><span >】去解决，实现：存钱理财、规划养老、给子女存一笔钱、家族资产传承。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >【增额终身寿险】是一个现金池：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >相当于在保险公司办一张高收益的银行卡（安全）；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >终身复利增值（高收益）；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >可以随时存钱/取现，无手续费（灵活）；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >可用来理财、养老、子女教育等。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >【养老年金险】是一个终身现金流：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >类似社保里面的养老金（安全）；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >按照约定时间领取固定金额（不够灵活）；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >终身的稳定现金流，活多久领多久，养老无忧。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span style="color: rgb(136, 136, 136)"><span >家庭投保养老年金险，建议妻子作为被保人，女性更长寿，领的更多。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >【二者对比】</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >增额终身寿险可以用来做中长期理财或养老都行，养老年金险适合纯养老。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >绝版</span></span><span ><span >高收益理财</span></span><span ><span >险挑选建议图：</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst4OfXic2SJTfIUPEL2h47OPFFGdFzqJYIW8EdvTAFpOh1wA6nibkDiaGILicH6hesRPGqA5dERHfVLMTw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst4OfXic2SJTfIUPEL2h47OPFFGdFzqJYIW8EdvTAFpOh1wA6nibkDiaGILicH6hesRPGqA5dERHfVLMTw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >投保入口：【懂</span></span><span ><span >保爷】公众号购买入口菜单</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong ><strong ><span >五、每个家庭成员都得配置6大保险吗？</span></strong></strong></span></section></section></section></section></section></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >答案是不用。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >根据这6大保险的优先级和保障：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst5RqYqlTYDtiaddLicdYU3NNSb2DRFsx5tDrd1Glo3GpdsickzEIlhykfGKMDjFEPOyPSptqv4ic4Bq9A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst5RqYqlTYDtiaddLicdYU3NNSb2DRFsx5tDrd1Glo3GpdsickzEIlhykfGKMDjFEPOyPSptqv4ic4Bq9A/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >建议大家：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgb(33, 89, 103)"><strong ><span ><span >1、孩子</span></span></strong></span><span ><span >的基础保障只需要买这几种即可：</span></span><strong ><span >终身重疾险+医疗/意外险+理财型保险</span></strong><span ><span >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span >孩子保险方案推荐：</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst5RqYqlTYDtiaddLicdYU3NNSsiaicUkhjKl0zoq1bzhJ2Ug3lwTqeGia2ZczNmL8eib9icpiacO5CKlE58Bw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst5RqYqlTYDtiaddLicdYU3NNSsiaicUkhjKl0zoq1bzhJ2Ug3lwTqeGia2ZczNmL8eib9icpiacO5CKlE58Bw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgb(33, 89, 103)"><strong ><span ><span >2、大人</span></span></strong></span><span ><span >是</span></span><span ><span >赚钱的家庭经济支柱，因此2大险种一定得有：</span></span><strong ><span >终身</span></strong><strong ><span >重疾险</span><strong ><span >+定期寿险</span></strong></strong><span ><span >，理由前面分析过了。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >此外，</span><strong ><span >理财险</span></strong><span ><span >也一定得买点</span></span><span >，放眼未来。</span><span ><br /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >在此基础之上，还想增加保障的，可选</span><strong ><span >医疗险+意外险</span></strong><span >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: left"><span >大人</span></span><span ><span >保险方案推荐：</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst5RqYqlTYDtiaddLicdYU3NNSS1ibyEDM93ObLjLL1lnQmPsnw9F4haUaF0cj9gFh0ykXbt5W5mrYMOQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst5RqYqlTYDtiaddLicdYU3NNSS1ibyEDM93ObLjLL1lnQmPsnw9F4haUaF0cj9gFh0ykXbt5W5mrYMOQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgb(33, 89, 103)"><strong ><span ><span >3、老人</span></span></strong></span><span ><span >一般需要买2种：</span></span><strong ><span >医疗险+意外险</span></strong><span ><span >，重疾险一般超过55岁就不建议投保了，价格高昂甚至会保费倒挂。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgb(128, 128, 128)"><span >老人不买寿险的原因和孩子一样，老人一般不会给家庭做出收入贡献，没必要买寿险。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: left"><span >老人保险方案推荐：</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZMtSQYTst5RqYqlTYDtiaddLicdYU3NNSX2d7gG1JrMAbVXtGd2U4Ykn1TFXpAcPcL7p6dASIgRicibwficjExU5oA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZMtSQYTst5RqYqlTYDtiaddLicdYU3NNSX2d7gG1JrMAbVXtGd2U4Ykn1TFXpAcPcL7p6dASIgRicibwficjExU5oA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><span >详细</span></span></span><span ><span >了解方案和产品，可长按识别文末二维码咨询。</span></span><span style="text-align: center"></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong ><span >写在最后</span></strong></span></section></section></section></section></section></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >保险的信息不对称问题非常严重，普通消费者基本十买九坑！</span></span><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span style="text-align: justify"><span >我感受最深的是，前些年大家都是通过身边亲戚朋友了解保险，真正专业的比较少。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span style="text-align: justify"><span >现在很多人想买保险，同时又很害怕保险。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><strong ><span style="text-align: justify"><span >我深耕在这个行业的初衷，就是为了解决大家买保险的难题。</span></span></strong></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span >大家要是有任何保险问题，都可以扫描下方二维码，咨询保爷团队的专业规划老师。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvTYxl8uSsCnZLUNXbsxTYQZ2AVM7FCdbkJibsRSHWy5WmCmJ3y0DGn8V9M0RyUtUtbVNXbhNjiayOiaA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26randomid%3Dj7s4o44p%26tp%3Dwebp%23imgIndex%3D8" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvTYxl8uSsCnZLUNXbsxTYQZ2AVM7FCdbkJibsRSHWy5WmCmJ3y0DGn8V9M0RyUtUtbVNXbhNjiayOiaA/640?wx_fmt=jpeg&from=appmsg&wxfrom=5&wx_lazy=1&randomid=j7s4o44p&tp=webp#imgIndex=8" alt="懂保爷测评配图" loading="lazy" /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span ><span >顾虑答疑：</span></span></strong><span ><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247500688&amp;idx=1&amp;sn=8b3e1109d2b3d7af015c8fd153d5791b&amp;scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text">为什么选择懂保爷？</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span ><span >了解懂保爷团队：</span></span></strong><span ><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247500685&amp;idx=1&amp;sn=76cdc11c0c7bd3abc1869b2cfe39c34b&amp;scene=21#wechat_redirect" textvalue="你好，我是保姑，这是我们懂保爷平台的自我介绍！" linktype="text">你好，我是保姑，这是我们懂保爷平台的自我介绍！</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><strong ><span >【买保险必看攻略】：</span></strong></span><span ><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247500101&amp;idx=1&amp;sn=2d043dfef002e1b6b46c0cd825b2ffac&amp;scene=21#wechat_redirect" textvalue="保险第一课：「M242」快速认知保险！" linktype="text">保险第一课：「M242」快速认知保险！</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span >—&nbsp;</span></span><strong ><span >END&nbsp;</span></strong><span ><span >—</span></span></span></section><section nodeleaf=""></mp-common-profile></section><p ></mp-style-type></p>