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Data:2009-12-12 2:34
According to newly married couples in household income and overall strength, the majority of newlyweds Sinorama summarized into three types: self-made type, a snail slowly climbing type, dragons off type.
Combination 1: White started out type
Bi kinds ─ ─ Casualty Insurance
As the name suggests, so that families in the economically more constraints. Usually both husband and wife are very young, and monthly income is not very high, both parents have limited economic power, the two rely on their own hands to build their homes, so from the purchase and cars, and so on preparing their children's education fund and so on have to rely on their own
Because income was not a rich, it is proposed to purchase accident insurance premiums cheaper, in case of accidents result in death or disability, a person must put aside his own work, insurance claims payments that the family can weather the storm. The two had suggested the couple to buy a security amount of 100,000 yuan for accident insurance. Wait until the husband and wife when the two had a more comfortable income, remember to add anti-insurance and risk of major diseases.
Combination 2: Snail slow crawl type family
Bi ─ ─ Casualty Insurance kinds of mortgage life insurance + + major disease-based insurance
In the city, many newlyweds are this type. This type of family life, quite a heavy burden, as carrying the mortgage, are also eager to buy cars, travel ... ... Although the husband and wife both men income is moderate, but there are liabilities, protect the demand is higher, especially the home backbone, should have full protection scheme.
Snail slowly climbing a feature of the family type is: has bought a house, per month to repay the loan, marriage, renovation costs, plus debt, making savings more than a month. It is hoped that such a husband and wife, bought copies of the mortgage-based life, this life is best to set the amount of insurance which is now a house husband and wife both men the amount of the loan in case of accidents result in a husband and wife both men have lost the ability to work, insurance companies will on behalf of the couple to repay housing loans, so that will not "worse." If the two had no accident, when the expiration of the contract can receive the expiry of payment.
Such families to take on the general waves, but if one of them sudden serious illness, the family's economic strength will not be able to afford them. Therefore also need a major disease-based insurance as a guarantee,
Portfolio 3: Dragon take-off type family
Bi ─ ─ kinds of value-added insurance life life + per diem type of medical insurance + emphasis on disease risk
Dragons off type family is the most fortunate, the couple may earn a high income and no debt at the Family Life channel increased the take-off space, both men have a surplus of funds to be invested, the cumulative assets, for future retirement planning and children's education payment planning.
This family life, the recommendations could be the insured value-added whole life, so that the insurance value can keep up with inflation, the value is not discounted because of the time. At present, the city the insurers of the products, the two kinds of value-added whole life more popular: The first sub-risk of this insurance was fairly stable, if we want to own insurance payments as retirement benefits, it is recommended to buy. Second, investment link insurance, investment must have a certain degree of risk, but also the corresponding returns, if you want to invest in higher rate of return, you can choose to connect insurance, but it does not rule out the risk of loss.
Some in the medical insurance may be the insured amount or a daily payment amount will be increased, taking into account the disease will take care and big risks, so that sudden illness, they can receive better medical treatment.
It is worth mentioning that there are many insurance products, but not any one insurance portfolio is applicable to all families, so when taking out policies still have to discuss with the insurance agent, coupled with his knowledge of insurance to determine, to design the most appropriate The policy has been family situations.
