Insurance products can be roughly divided into the main agreement and the supplementary agreement. The name of the main agreement will end with “insurance”, such as “Global Life Anyang Long Lifetime Health Insurance (Type C)”; “Terms” and “Additional Terms” can be regarded as a kind of supplementary agreement, such as the “Taiwan Life Card Anxin One-Year Regular Major Injury Health Insurance Supplement”.
A main contract insurance can be attached to many supplementary contracts, and the supplementary contracts must have the principal contract before they can be purchased. The supplementary contracts cannot be insured separately, just like the extra purchase gifts of supermarkets, you cannot purchase additional products without purchasing the main product. And it should be noted that only the insurance of the same insurance company can be matched with each other. The main contract of Taiwan Life can only be accompanied by the supplementary contract of Taiwan Life Insurance, not the supplementary contract of Global Life Insurance.
1 . Find a cheap main contract and match it with a high CP value supplement
If you go to Finfo, you will know that insurance with a high CP value is a rider. The main contract is usually not the first choice, but you must buy a main contract first when buying a rider. At this time, the main contract becomes your purchase of the rider The culprit of low consumption is the culprit of raising your premiums.
The best way is to find a cheap main contract to add the additional contracts that you really want to buy.
Every company may have the insurance you like, but you can’t spread too many insurance companies. If you can buy each rider with a main contract, you will spend too much unnecessary money, and it can’t be called It is an insurance combination with a high CP value, so you should try to concentrate on buying the insurance you want to buy in two to three companies. After all, our goal is to buy the highest protection with the least amount of money.
2. Choose a life-long contract
The previous chapter said that life insurance is expensive, but now it is said that life insurance should be used. It seems that Finfo is only at this level?
Here let us explain the continuity of the Rider. The premise of the existence of the supplementary contract is the existence of the main contract, just like you said that you had a fight with your girlfriend yesterday, the premise is that you really have a girlfriend (what am I talking about)
If the main contract expires, the supplementary contract will also expire together. For example, if the main contract uses a ten-year term insurance, the main contract will expire after ten years. At the same time, the supplementary contract will also say goodbye. You, what- What-guarantee-guarantee-all-no-yes-is gone, so it is generally matched with a life insurance principal contract.
3. Commonly used principal insurance
Click on the rider insurance page, and Finfo helps you analyze the top three principal contracts that everyone likes to buy this rider. Refer to the matching of other policyholders, which can save you the time of searching for the main contract in the vast sea of insurance.
