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Data:2009-12-12 2:34
While paying attention to the quality of life, quality of life today, the insurance product is no longer a superfluous luxury goods and the exclusive, just as in modern everyday life play an important role in the lives of companion. On different segments of the population how to choose the right insurance product, the reporter interviewed the city's financial expert.
A, ordinary working-class
Class features: mainly refers to young people just entering the community, as well as household income at 4 million or less in average wage earnings home.
Insurance Plan: If you are just entering society, young people, because basically single, profligacy, which require appropriate to buy some insurance, can get some basic protection, but also cultivated the habit of forced savings. Experts believe that such young people should first consider the savings from the purchase of savings and investment-oriented insurance, obtain insurance coverage at the same time, may receive a savings and investment in disguise. Time of these insurance cover should be positioned in the 5 years -10 years, short-term insurance. In addition, if conditions permit, can be paired with a number of accidental injury insurance, and this can ease the case of accident caused by the financial crisis, but should not buy too much.
The family has been established for the general public payroll, such as the more common types of a 4 million or less annual income of the family of three, because much of household income are used for daily expenses and children's education expenses, therefore, insurance expenses 10% or so have been pretty good. Ordinary income families, such as Chengdu, the annual premium payments, between 3,000 yuan -4.0 thousand yuan more appropriate. In the choice of insurance, you can consider purchasing three insurance: pension insurance, major diseases, as well as accident insurance insurance. The insurance should also be focused on playing the role of family breadwinner adults, rather than the child. In this regard, experts suggest that the children do not advocate the purchase of life insurance, life insurance entirely by them to arrange their own adulthood.
B, middle-income class
Class Features: 7 million yuan annual income of households, income stability, and 10 million from the bank deposits.
Insurance Plan: This type of family should take advantage of the current economic pressure on smaller, more savings when doing long-term insurance plan. Has a 100,000 yuan deposit in a family, for example, in the current era of low interest rates to 100,000 yuan bank is no doubt the whole place is a waste of resources. Insured is fully able to retain 23 million in deposits for the need of an emergency, put the remaining funds for the purchase of long-term dividend-type annuity insurance product categories. Its products include not only the higher income fixed rate of return, but also includes dividends. So that the retiring age, the insured will receive old age pension will be fully protected.
Secondly, based on annual income of 20% for the purchase of insurance, the principle of proportionality, the annual income of 7 million households can carry 1.4 million for the whole family to purchase comprehensive insurance policies. If husband and wife can choose to buy critical-illness insurance, accident insurance. And to the children's insurance payments should be focused on education, preparing to address the child in the future secondary school, university tuition fees high. Of course, if wealthy enough on hand for the kids to buy accident insurance, critical illness insurance, is also necessary.
C, high-income group
Class Features: The annual income of at least 10 million yuan of families with two or more real estate, bank deposits over one million yuan.
Insurance Plan: Although the classes are for high-income groups, but their daily working hours, work pressure will be much higher than normal, state of health is not satisfactory. Thus, for such groups, it is important to buy insurance, not through more economic returns, but how for their own health and life protection. The event of an accident insurance can be for themselves and their families high level of economic compensation to ensure the stability of household income and living. According to experts, a specifically tailored for high-income groups will soon occur in the high life insurance market in Chengdu. Such a lower minimum rating of 100 million "rich man's risk" will be the class a good choice. According to reports, the insurance is aimed at "enterprise managers, white-collar workers, private property owners" and the rich, insured sum is one million yuan -1000 million, the annual premium from several million to tens of ten thousand dollars. If the insured in the telecommunications, IT, energy, finance, investment, bio-engineering industry, working for high-income, you insured 1 million yuan for insurance cover will be much simpler.
