Men are more important to family income
In the distribution of family economic sources, although women's contribution to household income is gradually increasing, on the whole, men in most families still occupy the dominant position of family income.
Especially in some low-income families, male members are even the only source of income. In the event of an accident, the impact is almost catastrophic.
Regardless of morbidity or life expectancy, men are more likely to have a risk than women, and men are more important in the family economy than women, indicating that men have a greater impact on risk.
The pricing of premiums is linked to risk. The higher the risk, the higher the premium naturally. Under such circumstances, it is natural for men to insure premiums higher than women.
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Is the male premium high and the need to buy insurance?
must! As the pillars of the family and the main source of income, their health and disasters directly affect the stability and happiness of the whole family. Once the "pillars" collapse, the whole family is basically equivalent to falling into the abyss, the living standards of the future family, parental pension, Children's education, etc. will all have a serious impact.
Therefore, in order to be able to plan ahead, leave enough living expenses for the family to ensure the quality of life, as the head of the family, not only must strive to make money, but also learn to manage money and take insurance as “just in case” to protect family life. An important tool for insurance to continue to care for the family.
What should men pay attention to when buying insurance?
1. Accident insurance and health insurance should be placed first. Buying insurance should be more important to determine what insurance products to buy. The risks in life are mainly accidents, diseases and pensions. The most difficult to predict and control are accidents and diseases. Therefore, we must first consider the types of insurance that can protect these two aspects.