$ 3,500 per month how much insurance to buy suitable

Tao Xiaojie: 3 years ago, I graduated from Sichuan University, stay in Chengdu made a freelancer. For two years, no savings, now monthly income at about $ 3,500. A year ago I started the purchase of an insurance company life insurance, the insurance payment to the age of 45, can take place when a significant disease protection, amount to $ 90,000, toll nearly $ 2000 a year.

I would like to consult my income level how much insurance to buy appropriate? I would like to buy some of the proceeds of insurance, also hope that financing through train will recommend you.

Financing through train: case against Tao Xiaojie, from 3 to conduct financial analysis:

First, no scientific family finance programme of the first issue to consider is the family\'s financial ability to resist risks. Fi recommends: \"more reasonable insurance premium spending as a share of household income 10%-20%\". On the current situation described Tao Xiaojie, premium now spending nearly $ 2000, while the monthly income of $ 3,500 per her, revenue was $ 42,000, she now premium expenditures of less than 5%, can make the purchase of insurance products to consider.

What social security insurance calculate how much pension you how much pension you get in the future?

Second, can then purchase receipts of insurance? This problem has many factors to consider. By Tao Xiaojie there are premium expenditures, you can also do the 5% premium budget year, which is more reasonable, that is, an annual increase of $ 2,100 to $ 6,300. From a budgetary point of view, you can buy some good income products. However, before doing so should also take into account the specifics of your family, assess how big is the risk-resistant ability of the family. If the assessment concludes that the gap is relatively small, it is recommended that you purchase income-insurance products; if the assessment concludes that gap considerably, so it was suggested to consider purchase protection insurance products, anti-risk vacancies filled.

Third, in considering the above situation, the reasonable purchase of income-insurance products can not only play the role of family protection, but also as an investment, so that wealth. Miss assuming pottery family risk gap smaller cases, give the following advice: you can consider the purchase of about $ 4,000 participating endowment insurance. Characteristics of this type of insurance are: both protection and savings features, provide insured targeted savings plan and achieve their personal financial goals, and enjoy life insurance protection in the period of insurance, but also to enjoy the outcome of the insurance companies and investment allocation, achieving wealth.