安全与保障，是每个人的需求。然而风险总是无处不在，保险作为人身保障和家庭理财的重要组成部分，受到越来越多消费者的重视。如何购买保险，现在就来了解一下科学买保险的先后顺序吧。
Safety and security are universal needs, however, risks always remain present. As an important part of personal protection and family wealth management, insurance is receiving increasing attention from consumers who want to make informed decisions. Below is a recommended methodical approach to purchasing insurance.
1. 先满足保障后满足投资Prioritize Protection Over Investment
众多消费者在选择险种的过程中，存在一个误区，就是往往对投资型险种情有独钟，常常选择“高收益，高回报”的险种，而忽视保险最原本的保障功能。于是，不少消费者花了钱投保投资型险种，但当风险来临时，却发现保单没有保障功能，这也是为什么有一些消费者在遭遇风险时会产生保险并不“保险”的错误认识。
Many consumers mistakenly focus on so-called “high return” investment policies while neglecting insurance’s main purpose as a form of protection. As a result, many consumers spend money on investment-orientated insurance policies that often provide little or no coverage when risks actually arise. This leads some consumers to mistakenly believe that “insurance isn’t really insurance” when they encounter risks.
2.先大人后小孩 Cover Adults Before Children
很多消费者想到买保险，往往是在有了孩子之后。越来越多的家长开始利用保险手段给孩子制定一个周全的保障，给孩子买重疾险，买教育金，却忽略了对自己的保障。家长为孩子投保的最终目的是增加孩子的保障。而对孩子来说，最大的保障来自于父母。父母一旦发生意外或者疾病，失去收入来源，孩子才真正失去保障。
Many consumers think about purchasing insurance only after having children. More and more parents are purchasing critical illness coverage or education funds for their children, but neglecting their own protection. Parents’ ultimate goal when purchasing insurance for their children is to ensure they are well protected. However, for children, the greatest protection comes from their parents’ well-being. If a parent suffers an accident or illness and loses their source of income, the child’s safety net is effectively lost as well.
3.先满足人身险后满足财产险 Protect People Before Property
现实生活中，多数有车族会为自己的爱车投保车险，却忽略为自身投保人身保险。也有很多企业主会为企业投保财产保险，而不为自己投保人身保险。这实际上出现了本末倒置的问题，人是财富的创造者，没有对人的保障，也就没有了财富的积累。
In reality, most car owners insure their vehicles but often neglect their own life and health insurance. Many business owners insure their companies but not themselves. This is like putting the cart before the horse: people are the creators of wealth. Without safeguarding human life, there can be no accumulation of wealth.
消费者在考虑买保险时，一定要分清主次，科学做好家庭风险抵御规划。
When considering insurance, consumers should set clear priorities and plan methodically to strengthen their family’s risk protection.
供稿：富德生命人寿深圳分公司