Pressure repayment insurance to sub-family of the insured bear to go Weng Trilogy Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Repayment insurance to share the pressure

"Negative Weng," owners insurance Trilogy

Mr. Zhao 30-year-old, just back into the thirties will be a 52 million loan. While the loan by the husband and wife shared, 4,000 yuan for a month does not make him feel the quality of life has decreased significantly, but as the age, growth and the increasingly heavy pressure, he was always a kind of worry: What if accidents, the peaceful life will be broken, the quality of life will also appear significant decline.

Confusion for Mr. Zhao, the reporter recently interviewed insurance experts. Experts believe that Mr. Zhao has the same confused with the "negative Weng," and they can be resolved by purchasing insurance concerns in mind, in the purchase of insurance, it should be carried out in accordance with the following three steps.

Serious illness essential for health protection

An insurance business leader pointed out that the wife of Mr. Zhao is currently the biggest financial risk is the risk of mortgage debt, so purchase of insurance products should first address this risk. If the husband and wife share the credit, regardless of whether purchased mortgage insurance, the best to both sides choose to purchase term insurance, to prevent death due to one party or to the other major diseases caused by the heavy repayment pressure. Both the regular insurance amounts, the proposed amount of the mortgage for the remaining two to protect the time limit should generally match the repayment period, at least 10 years.

After the insurance choice of major diseases, it is recommended to add hospital medical insurance, the unit to pay the "Four Golden", and recommends that you select hospital-based hospitalization insurance subsidies. Insurance when the insurance expires, you can also get back the sum insured act as pensions.

Accident insurance helps you to hide the crisis

In addition, the insurance experts advise Mr. Zhao, in the purchase of health insurance products after falling seriously ill, do not forget to select accident protection. According to experts, under normal circumstances, you might consider buying after the primary insurance purchase additional accident insurance, so just take a little money available to accident protection. In many people's conventional thinking, the more accustomed to think of each trip, or buy a travel accident insurance will, in fact, if you are normally a long-term for their own custom accident insurance, not only when you can get travel accident protection, and the usual life can be any personal injuries claims to insurance companies, rates to purchase a short-term than in a separate accident insurance policy is much lower.

Preferred investment return based on a regular basis

In resolving their debt risks, health risks and the risk of accidents, if there is spare capacity, experts suggest that Mr. Zhao such as "negative Weng," They can try to invest in every certain period of time on the return of insurance products to return the insurance Gold for the early repayment, but also end loans, the return can also be used to supplement old-age insurance benefits or other expenses. Or you can consider selecting some guaranteed rate of return on investment-type insurance products, its revenue can be used to celebrate special occasions, holiday travel and other expenses, to their own lives on a regular basis plus refueling.

The return on investment of such insurance, the main with the insurance company's investment income or results of operations related to the operation of insurance funds well, operating efficiency, the insured will be able to obtain better returns. In other words, the interests of both insurance companies and policyholders to enjoy, risk-sharing. However, for different groups of people need to be insured.

The same time, experts also remind people such as Mr. Zhao family such loans, investment-oriented insurance policies generally include investment with insurance, dividends, and universal life insurance. It focuses on three kinds of insurance, but each is, investment and even insurance generally do not have a fixed interest rate, the insured's future income depends entirely on the investment operations of insurance companies, so the risk is relatively large, suitable for a certain idle funds, the psychological ability to withstand investors. Dividends main products are 5-year and 10-year period of two kinds, in addition to dividend rates are generally lower than the same period in fixed-income part of the product receive dividend income, but the rate of return on the capital market depends on the insurance operations. The universal insurance is to protect between risk and insurance and investment company dividend insurance life insurance between an investment. From the risk point of view, universal insurance and participating insurance are closer to: dividend risk is the annual dividends, universal insurance is the company's monthly publication sent by the interest, so universal insurance portfolio dividend risk than the conservative and stable returns higher, while the return is expected to slightly lower, but customers can also buy universal insurance with many additional risks.