<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink" hasload="1"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTOhEKQmsb4IpA4qM0zYPGVGKuaDY4V11TxHLJM3yroxvooBgFxG8dVuyicv3oV0L7Pic3Kjc8s6lmvQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTOhEKQmsb4IpA4qM0zYPGVGKuaDY4V11TxHLJM3yroxvooBgFxG8dVuyicv3oV0L7Pic3Kjc8s6lmvQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></p><p style="text-align: center"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">保爷近几年帮众多家庭配置了保险方案，</span></p><p style="text-align: left"><span style="text-align: justify"><br /></span></p><p style="text-align: left"><span style="text-align: justify">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></p><p style="text-align: left"><br /></p><section ><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 >一、保险第一课:「M242」快速认知保险</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOTsY5OV1iaQUBUyjict7f1Ow8UNBdLy0kI1Et86jjTbK7KeibF2xqzo5OHTmJrdat7SKQWLAFuR4oUA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOTsY5OV1iaQUBUyjict7f1Ow8UNBdLy0kI1Et86jjTbK7KeibF2xqzo5OHTmJrdat7SKQWLAFuR4oUA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><span style="color: rgb(136, 136, 136)">点击查看大图</span></p><p style="text-align: center"><span style="color: rgb(136, 136, 136)"><br /></span></p><ul ><li><p ><strong ><span >M：money，</span></strong><span >钱，买保险是获得应对风险的经济能力，也就是为了钱；</span></p></li><li><p ><strong ><span >2：</span></strong><span >一定要保障的2类风险：人身风险</span><span style="color: rgb(136, 136, 136)">（疾病、意外）</span><span >、资金风险</span><span style="color: rgb(136, 136, 136)">（通胀贬值、未来没钱解决养老和子女教育等问题）</span><span >；</span></p></li><li><p ><strong ><span >4：</span></strong><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 style="color: rgb(136, 136, 136)">（注意要单个单个买）；</span></p></li><li><p ><strong ><span >2：</span></strong><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></p></li></ul><p ><br /></p><p ><span >文章解读：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491547&idx=1&sn=f100c193966e64d9128ff18497bcca40&chksm=cfb5fc5bf8c2754d655c5e7e4dc47a1374e7f5482aaad9a3f124bca4aad17431d3777eb8d433&scene=21#wechat_redirect" textvalue="保险第一课：「M242」快速认知保险！" linktype="text" imgurl="" imgdata="null" tab="innerlink">保险第一课：「M242」快速认知保险！</a></span><br /></p><p ><br /></p><p ><span ><span style="text-align: left">视频版戳这里</span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczu0FOlN5F3qYuibYAVsa86rJEysKFLl3W8Jf0cPDQyWsnDj5HELqDzyXGbaDeBIFYPrTu4iaydNfCmQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczu0FOlN5F3qYuibYAVsa86rJEysKFLl3W8Jf0cPDQyWsnDj5HELqDzyXGbaDeBIFYPrTu4iaydNfCmQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /><span style="text-align: left">（懂保爷联合创始人保姑讲解）：</span></span></p><section ></mp-common-videosnap></section><p ><br /></p><section ><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 >二、2类6大保险对比</strong></span></section></section></section></section></section></span></section><section ><span > </span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNIHbfyx9pfnPUzmmWapXMCDWJYmnc7mlujBJwPG3LKqdm2FdQzMV4r3AT1hLdkhmRefjbYXhSllA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNIHbfyx9pfnPUzmmWapXMCDWJYmnc7mlujBJwPG3LKqdm2FdQzMV4r3AT1hLdkhmRefjbYXhSllA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><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 >三、4大保障型保险</strong></span></section></section></section></section></section></span></section><section ><span > </span></section><p style="text-align: left"><span style="color: rgb(33, 89, 103)">就人身风险的主要构成部分</span><span style="color: rgb(33, 89, 103)">（疾病、意外）来</span><span style="color: rgb(33, 89, 103)">看：</span></p><section style="text-align: left"><br /></section><section ><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【<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490982&idx=1&sn=06b45bc551e1bfce5b11bfe2bd4bc612&chksm=cfb5fe26f8c277302651be486cb12908563e8b1140d33cc13eeb2c145bd7b326d3ff82203097&scene=21#wechat_redirect" textvalue="终身重疾险" tab="innerlink">终身重疾险</a>】获得一笔可自由支配的钱；</span></section><section ><span ><br /></span></section><section ><span >重疾险挑选建议图：</span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOZJYADt1AzNCAHJZ65vGNvdtamQfvtYeuCyTfdWSianqDSQjNfIoelrZwVkYGxGTp7CvaMxwiauypA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOZJYADt1AzNCAHJZ65vGNvdtamQfvtYeuCyTfdWSianqDSQjNfIoelrZwVkYGxGTp7CvaMxwiauypA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >重疾险评测文章：</span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzk0MDIzMDU4MQ==&mid=2247485564&idx=1&sn=894a0e14ded331d4c3cf8b9e7a28b676&chksm=c2e59aa6f59213b0e1db3689e26164cc812d7d46ec6483dece9fe7839508395003662572832e&scene=21#wechat_redirect" textvalue="火力全开！重疾险深度内卷" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >火力全开！重疾险深度内卷</span></a></section><section ><br /></section><section ><span >重疾险投保攻略：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490982&idx=1&sn=06b45bc551e1bfce5b11bfe2bd4bc612&chksm=cfb5fe26f8c277302651be486cb12908563e8b1140d33cc13eeb2c145bd7b326d3ff82203097&scene=21#wechat_redirect" textvalue="99%的人都买错了重疾险！我把这些实话一次全告诉你" linktype="text" imgurl="" imgdata="null" tab="innerlink">99%的人都买错了重疾险！我把这些实话一次全告诉你</a></span></section><section ><span >投保入口：【懂保爷】公众号购买入口菜单</span></section><section ><br /></section><section ><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></section><section ><br /></section><section ><span ><span >定期寿险</span>挑选建议图：</span></section><section ><span style="text-align: center"><br /></span></section><p ><span style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNPTNfMXw1IFAsibqUc2ERfGhXgLj65kZaMRkNc9BIgNiaJ11x9NvteNqmeU0ic54ic8gL9mnlRjcaUEg%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNPTNfMXw1IFAsibqUc2ERfGhXgLj65kZaMRkNc9BIgNiaJ11x9NvteNqmeU0ic54ic8gL9mnlRjcaUEg/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></span></p><section ><span ><br /></span></section><section ><span >注意，大麦2022可用<strong>大麦旗舰版</strong>替代，保障一致，健康告知略宽松。</span></section><section ><span ><br /></span></section><section ><span ><span >定期寿险</span>评测文章：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247494741&idx=1&sn=609ab3774273ce36852c4f3ec5348000&chksm=cfb60fd5f8c186c3d02f2df0d7207718d9286f8d3b2f0cd5454dc068ff6621b89a50c1cd4c47&scene=21#wechat_redirect" textvalue="这类保险，已经卷到头了..." linktype="text" imgurl="" imgdata="null" tab="innerlink">这类保险，已经卷到头了...</a></span></section><section ><span ><span >定期寿险</span>投保攻略：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490772&idx=1&sn=e8b7c036671fc723fce64910cb7118c8&chksm=cfb5ff54f8c276428a1648c9825bd98b8bf6fb4262992b993688755a6e7180b746f0642c5a46&scene=21#wechat_redirect" textvalue="一文读懂「寿险」" linktype="text" imgurl="" imgdata="null" tab="innerlink">一文读懂「寿险」</a></span></section><section ><span >投保入口：【懂保爷】公众号购买入口菜单</span></section><section ><br /></section><section ><span >3、疾病或意外导致的医疗费用——通过【医疗险】去报销；</span></section><section ><br /></section><section ><span ><span >医疗</span>险挑选建议图：</span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTOZJYADt1AzNCAHJZ65vGNvYKU3VoL1A595FLYYibKFCkmfX0IfCdo4KA8YDcN8cYjdCHibPoj9brdg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTOZJYADt1AzNCAHJZ65vGNvYKU3VoL1A595FLYYibKFCkmfX0IfCdo4KA8YDcN8cYjdCHibPoj9brdg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><section ><span ><span >医疗</span>险评测文章：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzk0MDIzMDU4MQ==&mid=2247485632&idx=2&sn=0c2afbb40439b103cae31933d9ce96e1&chksm=c2e59a1af592130c16c474fbdb808d9753d388938dd8657fa22c794394a50d563acd27689f89&scene=21#wechat_redirect" textvalue="黑马！百万医疗险又现力作" linktype="text" imgurl="" imgdata="null" tab="innerlink">黑马！百万医疗险又现力作</a></span></section><section ><span ><span >医疗</span>险投保攻略：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490763&idx=1&sn=350a84d6031b1ebbaa46afb2e1098e7d&chksm=cfb5ff4bf8c2765d132bfd0ed2ba1ba870c81ffb8b8054936fb68f3090d6d382c0c820ffc202&scene=21#wechat_redirect" textvalue="一文读懂「医疗险」" linktype="text" imgurl="" imgdata="null" tab="innerlink">一文读懂「医疗险」</a></span></section><section ><span >投保入口：【懂保爷】公众号购买入口菜单</span></section><section ><br /></section><section ><span >4、意外导致残疾——通过【意外险】获取一笔伤残赔付。</span></section><p style="text-align: left"><br /></p><section ><span ><span >意外</span>险挑选建议图：</span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMrBBhDX9LvzxBicrCfZ3GPEzkgJg9vZzKNfibsqwYwfKQS3HicDx35mkoGgn5qaDuvEoHwonhheDWog%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMrBBhDX9LvzxBicrCfZ3GPEzkgJg9vZzKNfibsqwYwfKQS3HicDx35mkoGgn5qaDuvEoHwonhheDWog/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(136, 136, 136)">点击查看大图</span></p><p style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(136, 136, 136)"><br /></span></p><section ><span ><span >意外</span>险评测文章：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496199&idx=1&sn=100ec267b187765d23a00082850ed256&chksm=cfb61187f8c198915bb105a4158f71a7c113045016f2c189a0b813766e23418ab8ff66570ffa&scene=21#wechat_redirect" textvalue="最好的意外险，又更新了" linktype="text" imgurl="" imgdata="null" tab="innerlink">最好的意外险，又更新了</a></span></section><section ><span ><span >意外</span>险投保攻略：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490777&idx=1&sn=de27c8d1caa46687f982425d07f1d242&chksm=cfb5ff59f8c2764f31c640eb4d5abd0583b7d895faf866e2d767252cc14ae4f7a3436034a605&scene=21#wechat_redirect" textvalue="一文读懂「意外险」" linktype="text" imgurl="" imgdata="null" tab="innerlink">一文读懂「意外险」</a></span></section><section ><span >投保入口：【懂保爷】公众号购买入口菜单</span></section><p style="text-align: left"><br /></p><section ><strong><span >提醒下大家：</span></strong></section><section ><br /></section><section ><span >以上4个险种一定要单个单个买，</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></section><section ><br /></section><section ><span >这种打包几份保险当一份卖的保险，就是典型的<strong>捆绑型保险</strong>，买即掉坑。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">篇幅有限不赘述了，感兴趣可以看下：</span><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790207&idx=1&sn=e9d8ad8fa4f7879aedfee05185f86232&chksm=b2b0773d85c7fe2b628e02721f4c7097dca51ebc150acda58ecb0302a3a0e027da37b30b475b&scene=21#wechat_redirect" tab="innerlink">不要去买这种险了，太不善良了</a></span></section><section ><br /></section><section ><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>四、2大理财型保险</strong><strong ></strong></span></section></section></section></section></section></span></section><section ><span > </span></section><p style="text-align: left"><span style="color: rgb(33, 89, 103)">就资金风险的影响看：</span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span >通胀贬值、未来没钱解决养老和子女教育等问题，</span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span >都能通过锁定安全保本高收益的【<strong >增额终身寿险</strong>】、【<strong>养老</strong><strong >年金险</strong>】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></p><p style="text-align: left"><br /></p><p style="text-align: left"><span >【增额终身寿险】是一个现金池：</span></p><p style="text-align: left"><span >相当于在保险公司办一张高收益的银行卡（安全）；</span></p><p style="text-align: left"><span >3.5%复利增值（高收益）；</span></p><p style="text-align: left"><span >可以随时存钱/取现，无手续费（灵活）；</span></p><p style="text-align: left"><span >可用来理财、养老、子女教育等。</span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span >【养老年金险】是一个终身现金流：</span></p><p style="text-align: left"><span >类似社保里面的养老金（安全）；</span></p><p style="text-align: left"><span >按照约定时间领取固定金额（不够灵活）；</span></p><p style="text-align: left"><span >终身的稳定现金流，活多久领多久，养老无忧。</span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span style="color: rgb(136, 136, 136)">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></p><p style="text-align: left"><br /></p><p style="text-align: left"><span >【二者对比】</span></p><p style="text-align: left"><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></p><section ><br /></section><section ><span >绝版</span><span >高收益理财险挑选建议图：</span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNRjdFHclVIAnryfHUbtSt5dtG98MqaXicX3kZFIXicBU2icCxZtN8qnfBxsqSCEmQVcCCUkgkoy39Bw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNRjdFHclVIAnryfHUbtSt5dtG98MqaXicX3kZFIXicBU2icCxZtN8qnfBxsqSCEmQVcCCUkgkoy39Bw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNRjdFHclVIAnryfHUbtSt59lHasOhmkADyV1ww7QwNeC6yeZTjrvmJmWjibicA4DQm434ZlmIpy9Iw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNRjdFHclVIAnryfHUbtSt59lHasOhmkADyV1ww7QwNeC6yeZTjrvmJmWjibicA4DQm434ZlmIpy9Iw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><br /></section><section ><span ><span >理财险</span><span >评测：</span></span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247496821&idx=1&sn=e29af15e203b7a847270e511e0b04cb0&chksm=cfb617f5f8c19ee355b86e755a4bd0505c41e33d38e62adf35a264239296819774442acb16e2&scene=21#wechat_redirect" textvalue="存钱理财、规划养老、资产传承，买这个" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >存钱理财、规划养老、资产传承，买这个</span></a><br /></section><section ><span ><br /></span></section><section ><span >理财险投保攻略：</span></section><section ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491282&idx=1&sn=914ea319e17ce77d599060b8e37095ba&chksm=cfb5fd52f8c27444baaedac1d4dd6490f818056c518b0159b6dbefa440e0eabcb28d715be388&scene=21#wechat_redirect" textvalue="很认真地聊一下养老保险" linktype="text" imgurl="" imgdata="null" tab="innerlink">很认真地聊一下养老保险</a></span></section><section ><span >投保入口：【懂保爷】公众号投保入口菜单</span></section><section ><br /></section><section ><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 >五、每个家庭成员都得配置6大保险吗？</strong></strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >答案是不用。</span></section><section ><br /></section><section ><span >根据这6大保险的优先级和保障：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTNIHbfyx9pfnPUzmmWapXMCDWJYmnc7mlujBJwPG3LKqdm2FdQzMV4r3AT1hLdkhmRefjbYXhSllA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTNIHbfyx9pfnPUzmmWapXMCDWJYmnc7mlujBJwPG3LKqdm2FdQzMV4r3AT1hLdkhmRefjbYXhSllA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >建议大家：</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong ><span >1、孩子</span></strong></span><span >的基础保障只需要买3种即可：</span><strong >终身重疾险+小额医疗险+理财型保险</strong><span >。</span></section><section ><br /></section><ul ><li><p ><span >不需要买寿险，因为孩子不会给家庭带来经济收入；</span></p></li><li><p ><span >不需要意外险，因为小额医疗险一般自带意外保障；</span></p></li><li><p ><span >不需要百万医疗险，小额医疗险足够了，还更实用！</span></p></li></ul><section style="text-align: center"><br /></section><section style="text-align: left"><span >孩子保险方案推荐：</span></section><section style="text-align: left"><span style="text-align: center"><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOZJYADt1AzNCAHJZ65vGNv8Pg2Pp5a2wGUadxu1WLYyBUTLIl7a4W6plo94IAmTlW0TIXiaDv0xzA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOZJYADt1AzNCAHJZ65vGNv8Pg2Pp5a2wGUadxu1WLYyBUTLIl7a4W6plo94IAmTlW0TIXiaDv0xzA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong ><span >2、大人</span></strong></span><span >是</span><span >赚钱的家庭经济支柱，因此2大险种一定得有：</span><strong >终身</strong><strong >重疾险<strong >+定期寿险</strong></strong><span >，理由前面分析过了。</span></section><section ><br /></section><section ><span >此外，<strong>理财险</strong><span >也一定得买点</span>，放眼未来。<br /></span></section><section ><br /></section><section ><span >在此基础之上，还想增加保障的，可选<strong >医疗险+意外险</strong>。</span></section><section ><br /></section><section ><span style="text-align: left">大人保险</span><span >方案推荐：</span></section><section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOZJYADt1AzNCAHJZ65vGNvdELG8nBZxINupRib3aa3RJibpStgy6eK7eklZzKJktJZZibb8yiamyBhLg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOZJYADt1AzNCAHJZ65vGNvdELG8nBZxINupRib3aa3RJibpStgy6eK7eklZzKJktJZZibb8yiamyBhLg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong ><span >3、老人</span></strong></span><span >一般需要买2种：</span><strong >医疗险+意外险</strong><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></section><section ><br /></section><section ><span style="color: rgb(128, 128, 128)">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></section><section ><br /></section><section ><span style="text-align: left">老人保险方案推荐：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOZJYADt1AzNCAHJZ65vGNvXHL2UsZia7U0fKwReqdxqfx86xfictNdd7u47Nubzltcg1HZWjDCqV5A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOZJYADt1AzNCAHJZ65vGNvXHL2UsZia7U0fKwReqdxqfx86xfictNdd7u47Nubzltcg1HZWjDCqV5A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span ><span >详细了解方案和产品，可长按识别下方二维码查看保爷推荐的、</span>当前最高性价比、最高收益的</span><span style="color: rgb(33, 89, 103)">儿童、成人、老人保险方案</span><span >：</span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPX79HzDmJaNiaohKhfEd58O9sBOjJXWEGMKZ0bAz615b9ORICiaRzvFmfRUFS39hmjpNU191ia1SHRw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPX79HzDmJaNiaohKhfEd58O9sBOjJXWEGMKZ0bAz615b9ORICiaRzvFmfRUFS39hmjpNU191ia1SHRw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><br /></section><section ><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 >写在最后</strong></span></section></section></section></section></section></span></section><section style="text-align: left"><br /></section><section ><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><br /></section><section ><br /></section><section style="text-align: left"><span style="text-align: justify">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></section><section style="text-align: left"><br /></section><section style="text-align: left"><span style="text-align: justify">现在很多人想买保险，同时又很害怕保险。</span></section><section style="text-align: left"><br /></section><section style="text-align: left"><strong><span style="text-align: justify">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></strong></section><section style="text-align: left"><br /></section><section ><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></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><br /></section><section ><span ><strong >相关阅读：</strong></span></section><section ><br /></section><section ><strong><span >顾虑答疑：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484607&idx=1&sn=03ffdb7c3ddceade34d1c86c0c6e7bdd&chksm=e889f7dedffe7ec8b0fc97af21431dced597489394eee8baebe4ca4fc3621e799a9ac252079f&scene=21#wechat_redirect" textvalue="有些话，我不知道怎么说" linktype="text" imgurl="" imgdata="null" tab="innerlink"></a></span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzIzMzIzNTk4Mg==&mid=2247484607&idx=1&sn=03ffdb7c3ddceade34d1c86c0c6e7bdd&chksm=e889f7dedffe7ec8b0fc97af21431dced597489394eee8baebe4ca4fc3621e799a9ac252079f&scene=21#wechat_redirect" textvalue="有些话，我不知道怎么说" linktype="text" imgurl="" imgdata="null" tab="innerlink">有些话，我不知道怎么说</a></span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492148&idx=1&sn=1bfb7eb1b409963e7f7a035db053aeac&chksm=cfb601b4f8c188a21f5c015bda110f5f3d8050e4a548c1ce1bbbc00b3cd9d22b7ec4ef663d01&scene=21#wechat_redirect" textvalue="在懂保爷平台投保的顾虑答疑！" linktype="text" imgurl="" imgdata="null" tab="innerlink" >在懂保爷平台投保的顾虑答疑！</a><br /></section><section ><strong><span >了解懂保爷团队：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492146&idx=1&sn=0c50ce077e40487175eb6e90b15eee4f&chksm=cfb601b2f8c188a400596229fccbe6298a31acc4fa54d6fd5c8f54c3a1fbba2e38f5ca6fbad4&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" imgurl="" imgdata="null" tab="innerlink" >你好，我是保姑，这是我们懂保爷平台的自我介绍！</a></section><section ><span ><strong >【买保险必看攻略】：</strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491547&idx=1&sn=f100c193966e64d9128ff18497bcca40&chksm=cfb5fc5bf8c2754d655c5e7e4dc47a1374e7f5482aaad9a3f124bca4aad17431d3777eb8d433&scene=21#wechat_redirect" textvalue="保险第一课：「M242」快速认知保险！" linktype="text" imgurl="" imgdata="null" tab="innerlink" >保险第一课：「M242」快速认知保险！</a></section><section style="text-align: center"><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mp-common-profile></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，</span></span><span style="text-align: left; color: rgb(136, 136, 136)">查看</span><span style="text-align: left; color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><p ></mp-style-type></p>
