第一,是买保障。保险的主要功能是风险保障,其目的是为了使遭受不幸的被保险人及其家属获得经济上的补偿,从而不至于使家庭生活因不幸事故的发生而遭受灾难性的打击。第二,要考虑性价比。一般保障的险种,由于保险责任专一,故交费较低,而带投资性质的分红险在保障的基础上还要考 The first is to buy protection. The main function of insurance is to provide risk protection. The purpose of insurance is to ensure that the unfortunate insured and their families receive financial compensation so that family life will not be disastrous because of unfortunate accidents. Second, we must consider the price. General insurance of insurance, due to a specific insurance liability, so the fee is lower, and with the nature of the investment dividend insurance on the basis of the protection should also test