现代社会的生活工作压力加大,小家庭结构以及社会保障的不足使得人们的风险意识增大,越来越多的家庭趋向于利用保险来有效规避风险。但是有不少人,尤其是拥有一定财富的人,往往会陷入“保险越多越好,保险金额越高越好”的误区。保险行业专家指出:保费支出占家庭收入的10～20%是 In modern society, the pressure of working life increases, the structure of small families and the lack of social security make people’s awareness of risk increase, more and more families tend to use insurance to effectively avoid risks. However, many people, especially those with a certain amount of wealth, often fall into the trap of “the more insurance, the better the insurance, the better”. Insurance industry experts point out that premium spending accounts for 10 to 20% of household income