Automatically translated.View original post

❌ Don't buy insurance... if you don't know these three.

🚫 Many people lose hundreds of thousands of money buying insurance... but they don't get the coverage they need.

It's not because the insurance is bad.

But because "the wrong choice in the first place"

Before buying insurance, try these three checks.

✅ know their goals.

Buy for health? Save money? Take care of family? Or plan for retirement?

✅ know the coverage they need.

Life, health, serious disease, accident, or income?

✅ know the ability to pay the allowance.

Choose a continuous affordable plan, not affecting everyday expenses.

❤️ Best insurance

It's not insurance that others say is good.

But it's insurance that "fits your goals and budget."

Save this post before you decide to buy insurance and make a better choice. ✨

# Life insurance # Health insurance # Financial planning # Lemon 8TH # Financial content

7/5 Edited to

... Read moreจากประสบการณ์ของผมเอง การเลือกซื้อประกันไม่ได้เป็นเรื่องง่ายอย่างที่คิดเพราะบางครั้งเราอาจถูกชักชวนให้ซื้อแผนประกันที่ไม่ตรงกับความต้องการที่แท้จริง ผมพบว่าการเริ่มต้นด้วยการตั้งเป้าหมายชัดเจน เช่น ซื้อประกันเพื่อสุขภาพ ดูแลครอบครัว หรือวางแผนจ่ายเงินในระยะยาว เป็นสิ่งที่ช่วยให้การเลือกประกันง่ายขึ้นมาก นอกจากนี้ ความคุ้มครองที่เลือกยังต้องตอบโจทย์ความเสี่ยงในชีวิตประจำวัน เช่น คุ้มครองชีวิต โรคร้ายแรง หรืออุบัติเหตุ ที่สำคัญควรให้ความสำคัญกับการเลือกจ่ายเบี้ยที่เหมาะสมกับรายได้เพื่อที่จะสามารถจ่ายต่อเนื่องโดยไม่ส่งผลกระทบกับค่าใช้จ่ายอื่น ๆ ในชีวิต ผมแนะนำว่าควรเช็กงบประมาณพร้อมทั้งวางแผนการเงินดี ๆ เพื่อให้ไม่ต้องเครียดเวลาจ่ายเบี้ยประกัน และควรเลือกผลิตภัณฑ์ที่มีความยืดหยุ่น ปรับเปลี่ยนความคุ้มครองได้ตามช่วงเวลาของเรา เพื่อให้ครอบคลุมและเหมาะสมที่สุดในทุกช่วงชีวิต สุดท้ายนี้ ผมมองว่าประกันชีวิตไม่ใช่แค่การจ่ายเบี้ย แต่คือการวางแผนล่วงหน้าที่ให้ความมั่นคงสำหรับตัวเองและคนที่เรารักได้อย่างแท้จริง ดังนั้นการเตรียมตัวและศึกษาให้ดีก่อนซื้อ จึงเป็นของขวัญที่ดีที่สุดที่เรามอบให้กับอนาคตของเราเองครับ

Related posts

A laptop displaying a calendar and a notebook with a pencil on a wooden desk. Overlay text reads: 'HIGH PAYING JOBS that DON'T require a degree'.
A laptop displaying a calendar and a notebook with a pencil on a wooden desk. Overlay text details 'Insurance Sales Agent' with pay, how to qualify, and duration.
A laptop displaying a calendar and a notebook with a pencil on a wooden desk. Overlay text details 'Project manager' with pay, how to qualify, and experience requirements.
3 high paying jobs that don’t require a degree
There are so many well-known, high-paying jobs that do not require traditional, 4 year degrees. Through certifications, relevant experience, or short-term programs, these career paths allow lots of flexibility with your studies, how you break into the field, how long it takes, etc. All of the tr
Jane 🦧

Jane 🦧

5105 likes

POV: I Took a Wealth Building Masterclass & These Were My Notes 💸📓✨
I paid for and sat through a wealth-building masterclass so you don’t have to 😭💖 And honestly? The BIGGEST lesson was this: ✨ Wealth is NOT about income. It’s about systems, ownership, discipline, investing, and long-term positioning. These are my personal study notes from the class:
ScoreRiseCreditSolutions

ScoreRiseCreditSolutions

1092 likes

Nobody Taught You These Money Rules
Most people don’t have a money problem. They have a discipline problem. Money doesn’t disappear. It gets mismanaged. The difference between broke and wealthy isn’t luck… It’s habits: 👉 Spending less than you make 👉 Investing early 👉 Avoiding emotional decisions 👉 Building multiple
Steven Bou

Steven Bou

110 likes

What they don’t tell you about Homeownership
On top of saving up money to actually purchase the home, here are some more expenses to take into account that come with homeownership. 1. Property taxes - determined by your local government and can vary from location to location. It’s important to look up the property tax amount and deciding
Jessica

Jessica

680 likes

A collage featuring the text "First Apartment?" and a pink candle with "YO, I CAN'T ADULT TODAY" on its label. It includes a hand holding keys, yellow and pink furniture, plants, and a bridge, illustrating themes of moving and adulting.
Don’t Move Without These Tips!🌸
#lemon8contest #AskLemon8 First Apartment Must-Knows (Save this!): 🩵Photograph everything before move-in Scratches, stains, broken outlets — it protects you when it’s time to move out. 🩵Clarify what's not included Ask about water, trash, pest control, laundry, Wi-Fi, and parking
Empress🧚🏾🧿

Empress🧚🏾🧿

265 likes

A store display features multiple shelves of body lotion bottles in dark blue, light purple, and off-white. An overlay asks, "Ladies, Which one are we buying??" The bottles are uniformly sized and decorated with snowflake patterns, suggesting winter scents.
A close-up shows dark blue and light purple lotion bottles on a shelf. Text describes the dark blue one as having a light cocoa and sweet scent, and the light purple one as smelling like caramel cookies, a sweet gourmand scent.
A close-up shows off-white lotion bottles on a shelf. Text above states the product had a medicinal scent. The bottles feature snowflake designs and indicate 24H Moisture.
Winter is coming! Time to keep your skin hydrated!
Winter is coming and you know it’s time for a lotion that will keep our skin hydrated and healthy! Im excited to see new EOS lotions! Look at these awesome choices!! Definitely getting the first 2 so I can layer my perfumes with them ❤️👌🏼 Would you buy one of these? Or two? Or three? 😆 #GirlT
JustSabbs

JustSabbs

1668 likes

A grocery store produce aisle filled with various fruits and vegetables, featuring an overlay text that reads "6 EBT/SNAP benefits you should take advantage of!"
ebt/snap benefits you should know about
here are SIX ebt and snap benefits you need to take advantage of! ✨ remember to ask your local assistance office for more information ✨ 1. half off amazon prime subscription! this saves so much money especially if you use Amazon for your groceries. you can get an amazon prime membership subsc
•Lauren• SAHM 🌙 ☀️

•Lauren• SAHM 🌙 ☀️

2011 likes

A silver car is parked on a city street with a red and green wheel clamp attached to its front left tire. This clamp signifies a penalty, likely for unpaid insurance or a parking violation, as suggested by the article.
This is what happens when you don’t pay your insurance
New York
shofe_usa_nyc

shofe_usa_nyc

4 likes

A glass jar containing coins sits on a wooden surface, symbolizing savings. Overlay text reads 'HOW TO buy A home In 12 mos EVEN IF YOU HAVEN'T STARTED SAVING,' highlighting the article's theme of achieving homeownership within a year, regardless of current savings.
How to buy a home in 12 months
Dreaming of owning your own home but feel like your savings account is on life support and your credit’s just…meh? Don’t worry—YOU GOT THIS! Here’s how to go from “I’m broke” to “Here’s my new address” in 12 months or less. Let’s break it down, step by step! 🏡✨ 1️⃣ Check Your Financial Snapshot
Tuesday Meshell

Tuesday Meshell

156 likes

This is a breakdown of Cash Value Life Insurance 💸
Here’s the truth about how cash value life insurance REALLY works (and what they don’t want you to know) Full Breakdown👆💡 #cashvaluelifeinsurance #wealth #financialfreedom #finance #infinitebanking
FullSendFinance

FullSendFinance

36 likes

A black and white kitten lies in a pink bed, with text asking if pet insurance is worth it, featuring logos for Chewy and Lemonade.
This image details pet insurance accident policy coverage, including diagnostics, procedures, medication, accidents, and illnesses, with a monthly cost and discount information.
The image explains pet insurance coverage details: 80% coverage after a $250 annual deductible, with a $20,000 annual maximum, illustrated by a claim example.
Should you get pet insurance?
I’ve had Lemonade pet insurance for a few months and it’s been great! Recently got a new kitten and so many of the costs have been covered for her testing and vaccines. -The basics of lemonade: 📝The insurance is broken down into accident/injury ($37) and wellness ($22). 📝The insurance is ru
Jewell 🐠🦀🪼

Jewell 🐠🦀🪼

38 likes

When you don't have car insurance!
#carinsurance #car #caraccident #funny #foryoupage
Cuzin.Berto.Comedy

Cuzin.Berto.Comedy

0 likes

Costs Associated to Buy A Home
If #buyingahome in 2025 is on your list to do, keep in mind of the costs that will be associated! Inspections are made for before you close on the home An appraisal is mandatory if you are using a loan and getting a mortgage! This is paid prior to closing. Your down payment is not the only la
RealtorKeely

RealtorKeely

127 likes

Don’t forget to budget for these hidden costs!
Owning a car comes with more than just the sticker price. Beyond the initial purchase, there are ongoing expenses to consider. From insurance premiums to license fees, parking costs, and regular maintenance, the bills add up. Even the financing interest can sneakily inflate the overall cost. It'
Delara 💖👩🏻‍💻

Delara 💖👩🏻‍💻

113 likes

CG Chronicles:How to Buy a House without a Realtor
Buying my first home without a realtor was so stressful! It took a lot of research to make this happen! I was so nervous, but I put my negotiation skills to the test and my hard work paid off! Here are some of the things I did to buy my home without a Realtor: Step 1: Time! I gave myself
JazzyJ | Curls

JazzyJ | Curls

807 likes

Things buyers don’t think about until they’re already under contract 🏡
Most people focus on the down payment and monthly payment. What catches buyers off guard are the expenses that don’t always show up in the listing description: ✔️ Homeowners insurance ✔️ Property taxes ✔️ Home inspections ✔️ Utility costs ✔️ Moving expenses None of these should be scar
smartandsavvymoves

smartandsavvymoves

4 likes

Your money won’t fly away with these 50 budget hacks ✈️
I began traveling shortly after my 18th birthday after dreaming about my escape for yearsss. Four friends and I packed up, flew to NY, stayed with friends we met on instagram and all drove to Canada. That trip marked the beginning of my journey to five continents. Through travel, I found countl
Jau 🤎

Jau 🤎

79 likes

Cost & Coverage of China’s healthcare insurance
Only 56USD per year? How does China’s medical insurance actually works? #chinahealthcare #medicalinsurance #tcm
Elin Health Tour

Elin Health Tour

2 likes

don’t fly to japan without these things!
this will save you time, money, and a lot of stress once you arrive!! #japantraveltips #japantravel #japantrip #evaworld
evaworld

evaworld

5 likes

Best insurance companies you need to know
Let's explore some of the best insurance companies based on different categories. Whether you're looking for car, home, or life insurance, there are reputable providers to consider: Remember to compare quotes and consider your specific needs when choosing an insurance company. Each person&
Inashwealth

Inashwealth

83 likes

A young boy with noise-canceling headphones sits on an orange chair, looking away. The image has a text overlay: "TOP 5 Things Your Health Insurance May Cover for Your Autistic Child."
An assortment of "everylife" brand diaper packages and wipes is displayed against a white background. A red text overlay reads "Diapers & Wipes," indicating a potential insurance coverage item.
A woman, wearing an "Action Behavior Centers" shirt, smiles at a young boy playing with colorful toys at a table. A blue text overlay highlights "ABA, Speech, OT & PT Therapy" as a covered service.
5 things your insurance may cover for autism
We have CMS health insurance for my son and it covers all of these things and MORE! 🥰 Having the right health insurance for your autistic child is VERY important! Do you have the right one? #autismawareness #healthinsurance #specialneedsmom #autism #autismsupport
Autism_Glow

Autism_Glow

70 likes

5 Safety Tips to Know Before Buying Your 1st Bike
Buying your first motorcycle is exciting, but safety should always come first. Here are five crucial safety tips to keep in mind before you make the leap: 1️⃣ Invest in Quality Gear Before you buy a bike, budget for essential safety gear. A DOT-approved helmet, gloves, riding jacket, pants, a
Jay

Jay

76 likes

How to get the BEST Life Insurance Premiums 🔐
Life insurance is the EASIEST and BEST way to ensure your family's financial success even after you're gone. It allows you to leave behind a legacy for your family TAX-FREE 🍵💜 Unfortunately, the older you get the more expensive life insurance becomes especially if you develop health issu
adviceforwomen

adviceforwomen

83 likes

Two Types of Insurances you need to know!
🏡 Protecting your home isn’t just about making payments—it's about planning for the unexpected. Mortgage term insurance or disability insurance: Which one would give you peace of mind? Let’s talk about your options! 💼💡 #MortgageTips #HomeSecurity #StayProtected #HomeOwnership #F
Maheen Pirzada

Maheen Pirzada

3 likes

Most people think life insurance is only for when you pass away.What they don’t
Reese

Reese

0 likes

This image explains why people get life insurance, listing reasons like replacing income, paying debts, protecting children's future, covering final expenses, and leaving a legacy, then questions what happens to the money after death.
This image details what happens when someone passes away, including family grieving, immediate bills, frozen assets, and court involvement if no legal plan exists, emphasizing the complications that arise.
This image describes the consequences of not having a will or trust, such as probate court, lengthy and costly processes, court-decided distribution, and potential unchosen guardians for minor children.
How to protect your life insurance proceeds!
Life insurance isn’t enough if you have minor kids… Did you know that if your beneficiary is under 18, the life insurance company won’t pay them directly? Instead, the money could get tied up in court, and a judge, not you, decides who manages it. 👶🏽💸 That’s why having a will or trust is jus
Tasha S.

Tasha S.

13 likes

How to buy your dream house 🏠
Let’s discuss a few financial things you need to know about mortgage loans. 🏡 Your credit score will help you determine your financing options; lenders use it (among other factors) to set the terms and rates of your loan. The higher your score, the lower the interest rate you will be eligible fo
Glow Up Finance

Glow Up Finance

87 likes

Car insurance recommendations?
Hi all - coming up on a renewal for my boyfriend's car insurance and Geico is quoting us a 50% increase in my 6-month premium with no changes to our driving record (23, no tickets/accidents). I read through the thread from a month or so ago and lots of folks talked about switching between Geico
Leigh Smith

Leigh Smith

429 likes

The Wealthy Don’t Just Buy Stocks… They Buy Companies
Private equity is how big money builds even bigger money. 💰 Instead of trading stocks daily, private equity investors: ✔️ Buy businesses ✔️ Improve operations ✔️ Scale revenue ✔️ Increase company value ✔️ Sell for massive profits This is where long-term wealth, ownership, and serious ret
Gabe

Gabe

4 likes

🔒 7 Reasons You Need Life Insurance (Even If You Think You Don’t) 🔒1️⃣ You have
Reese

Reese

0 likes

A baby's lower body in dark pants and suspenders, with text overlay "preparing for a baby? PRE-PREGNANCY CHECKLIST" and a white heart icon. The image promotes a pre-pregnancy checklist.
A checklist of five pre-pregnancy items: Get a checkup, Take Folic Acid, Stop drinking alcohol, smoking, and using certain drugs, Avoid toxic substances and contaminants, and Reach & maintain a healthy weight, set against a medical background.
A checklist of five pre-pregnancy items: Exercise, Start eating healthy, Cut back on caffeine, Learn your family history, and Purchase an ovulation predictor kit or Use an App, set against a medical examination room background.
Preparing for Pregnancy?🫶Consider These 14 Items
Your health before pregnancy is very important and can affect the health of your future baby. By making a plan before getting pregnant, you can take steps to a healthier you and baby-to-be. 1. Get a Checkup A few months before you begin trying to get pregnant, talk to your healthcare provider
Modern Mom | Shannon

Modern Mom | Shannon

126 likes

Sam’s Club hacks you didn’t know before 🤐
Every year Sam's Club charges you a membership fee. Most members use it to walk through the doors, fill their cart, and check out. That's it. And Corporate is completely fine with that — because the less you know about what's actually included, the better it is for them. I worked
Donna Phillips

Donna Phillips

0 likes

✨Don’t Buy These Baby Products 2nd Hand to Save $
Shopping for a baby can get expensive! But then I found out I was having two ahhh! As a new mom of twins, I knew we’d have to pinch some money somewhere. Even though we didn’t buy two of everything, we still had to buy two of some things. Buying second hand seemed like the natural thing to do! Howe
Modern Mom | Shannon

Modern Mom | Shannon

62 likes

95% of Millennials Don’t Know This About Insurance
#millennials #insurance #didyouknow #shopping #tipsandtricks E3 Insurance Advisory Group LLC
E3 Insurance Advisory Group

E3 Insurance Advisory Group

2 likes

Life Insurance Companies Are Betting on Your Death
Did you know life insurance companies are literally betting on when you’ll die? 🧐 Here’s how to flip the script… #lifeinsurance #insurance #stayhealhy #protectyourfuture #healthandwealth
Lemon8er

Lemon8er

8 likes

Life insurance tree
Planning for the future is more than just a goal—it’s a commitment to security and peace of mind. With thoughtful life insurance and robust retirement plans, we pave the way for a stable tomorrow. Protecting loved ones and ensuring financial independence, these pillars of smart financial management
olubunmi ewete

olubunmi ewete

5 likes

The image features a stack of US dollar bills tied with a black ribbon, with the text "MONEY HOW TO USE LIFE INSURANCE WHILE YOU'RE ALIVE." It promotes financial education and life insurance tips.
This image defines "LIVING BENEFITS IN LIFE INSURANCE" as features allowing access to part of a death benefit while alive, providing financial help for serious illnesses or emergencies.
The image explains how living benefits work, detailing that they are part of certain life insurance policies, triggered by conditions like terminal, critical, or chronic illness, allowing early payout.
How to use Life Insurance while you’re Alive
#lifeinsurance #lifeinsurancetips #livingbenefits #financialeducation #financialtips
Davina Nicole

Davina Nicole

18 likes

Don’t do this when you’re buying a home
Here are five things buyers should avoid when purchasing a home: 1. Making Major Purchases or Opening New Credit Lines – Avoid buying a car, furniture, or taking out new loans before closing. Lenders check your credit until the final approval, and big purchases can affect your debt-to-inc
Carolan Braaten

Carolan Braaten

18 likes

A scenic view of a calm lake surrounded by pine trees and rocks under a clear blue sky, with mountains in the background. The image features the title 'RENT VS BUY questions to ask yourself' in white text.
An aerial view of a river with autumn-colored trees, a road, and railroad tracks. Text overlays ask: '01. How long do you plan to live there?' and '02. What are the hidden costs and fees?'
A green outdoor tennis court with white lines and nets, surrounded by trees. Text overlays ask: '03. Can I comfortably afford this purchase?' and '04. Does it make more sense to rent?'
Rent vs Buy - Things to Consider
Buying a home is a huge purchase. Here are some things to consider before taking the leap: - How long do you plan on living there? A big argument for homeownership is equity, but with the interest on your loan being frontloaded, you don’t start building a ton of equity until later in the loan t
Money with Kait

Money with Kait

9 likes

Buy Life Insurance Online in 10 Minutes.
InsuranceInMinutes

InsuranceInMinutes

9 likes

Can life insurance help build wealth? 🏦
💡 Why do the wealthy use life insurance in their portfolio to grow wealth? Here’s your answer in under 60 seconds! 🏦 #wealth #financialfreedom #bank #hack #insurance
FullSendFinance

FullSendFinance

21 likes

Life insurance: pick the right plan
LIFE INSURANCE FAQ: Term Policy Conversion Explained 🕒 Term life insurance gives you protection for a set period of time—usually 10, 20, or 30 years. But what happens when that time runs out? DID YOU KNOW? 💡 You can often convert your term life insurance into a permanent policy—without a n
Marquita Jones

Marquita Jones

2 likes

Don’t buy a Tesla
DON’T BUY A TESLA if you don’t know the Pros and Cons. I have been driving a Tesla Model Y performance for a year by now and I can tell what’s the advantages or disadvantages of owning this type of car. 👍Pros: 1. you do save the planet by using energy instead of Gas. Not only that YOU DO s
Fanny Ramos

Fanny Ramos

7 likes

How to become a REMOTE INSURANCE AGENT
I've been working from home for 2 years and thought I'd she the process of how I got my job! I was scrolling on Indeed one day and saw a company offering PAID training for their insurance license, so I applied. I thought it was a scam at first, but it turned out to be real! What you wan
Ziewitnotea☕️

Ziewitnotea☕️

37 likes

Two babies, possibly twins, lie on a patterned surface, one holding a bottle. They wear camouflage pants and shirts that say 'Grandma & Grandpa'. Overlay text reads 'WHAT TO BRING TO YOUR BABY'S first drs appointment'.
A stack of white, textured baby cloths is shown in a sink. Overlay text lists items to bring to a baby's first doctor's appointment: hospital discharge paperwork, a blanket, an extra outfit, spit-up cloths, and a bottle.
Baby items including a pack of wipes, a light blue onesie, and a green blanket are visible. Overlay text lists more items for a baby's first doctor's appointment: diapers/wipes/cream, another person, a list of questions, baby's insurance card, and a notebook & pen.
Bring These to your Newborn’s First Dr Appointment
I found my twin boys first doctors’ appointments fun! I was home for three whole days with lots of crying and no structure. My days were night and my nights were days, it was all such a blur! But the doctors appointment gave me a reason to get out of the house with twin infants. My husband ca
Modern Mom | Shannon

Modern Mom | Shannon

398 likes

My #1 No buy list is a car with low car insurance
#nobuy2025 #lemon8challenge I want to buy a car this year but I need a car that’s decent and I don’t need to spend so much on car insurance, it might not be possible where I live but I really need it.
Sharin

Sharin

6 likes

See more