《人一生中需要的六张保单》 The 6 most important policies in life

《人一生中需要的六张保单》

The 6 most important policies in life

第1张保单：意外险 25岁

First policy: Personal accident policy 25year old

对于刚参加工作的年轻人而言，买份高额的寿险是不现实的。而身处25岁的我们，经济能力有限，还在创业或打拼，还要为买房、买车做准备，我们没有家庭所累，没必要、也不乐意把所有的钱都放进保险公司。

For a young person who has just came out to work, to support a high annual premium insurance isn't practical. When we are at age of 25, our financial situation is limited. We are working hard for our livings, preparing to get our own car and house. We do not have much family commitment at this moment and so we are reluctant to invest all monies to insurance.

这个阶段，意外险是最佳选择。买一份意外险是对生命的保障，也是对父母养育之恩的报偿。尽管意外险没有理财功能，在不出险的情况下，不能获得返还与收益，但与其高达10万元的赔付金额相比，每年几百元的投入显得微不足道。这是任何其他一个险种都不可相比的。

At this stage, personal accident insurance is the best option. This insurance give protection to our beloved parents if any unfortunate happens.

挑选此类型保险的原则主要是看保险公司的实力、信誉、口碑以及产品是不是100%覆盖意外范围，最后再看看价格因素。

To select this type of insurance, the capability of the insurance company is the first consideration to ensure they are able to support when you need it.