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Data:2009-12-12 2:34
2004 must have passed this time, it is the people for the new year, when planning. Objectives, quality of life, fitness month, Tourism Week, rest days ... ... there are some very far-sighted friends who are planning to buy each person for the whole family with an appropriate insurance for the future life of one or two decades earlier intends to do it.
Professional guidance
In general, a family income of 20% will be used for investment insurance is more appropriate. Insurance excess will increase the family burden, it might give cause inconvenience to their daily lives; and lack of insurance to protect the strength of it will be difficult to meet.
To this end, Ms. Jiao Chen's family situation based on his design of the following programs.
Case Analysis
Qinhuangdao public by Chen's family of small files: Mr. Chen, aged 30, worked at the harbor Qumou institutions, monthly income of 1,000 yuan. Mrs. Chen, 28 years old, engaged in self-employment, monthly income of 2,000 yuan. Son, Chen Chen, 4-year-old, who has just entered kindergarten.
Mr. Chen is the thirties is serious about his family life, despite himself and his wife are prime of life, but as soon as possible to plan life after a good old age is always nice. Children have grown up day by day in advance of his intention to do the education and health is also necessary. Mr. Chen wants professional guidance, and a selection of a set of three programs for the insured.
Investment protection Liangbu Wu
Beneficiary: Mr. Chen
Insurance intention: While in the unit where old-age insurance and medical insurance have on the society, but the overall feeling of share in small, not much protection. Mr. Chan felt that there should be a healthy balance between protection and investment income of insurance, make themselves and their children can benefit.
Recommended programs:
Main risks: HongXiang Endowment Insurance (Dividend) insured 30,000 yuan, dangerous period of 20 years, the payment period of 20 years.
Additional: Regular male critical-illness insurance, accident insurance, medical insurance, accidental injury, major diseases, hospital income protection insurance, income protection insurance, five were hospitalized.
Years to pay premiums Total: 1907 yuan
Recommended reason: HongXiang Endowment insurance is a bonus-based insurance policy in addition to insurance payments when the insured amount due under the protection of the survival-Jin 3 million, while dividends profit, in line with Mr. Chen in order to make investment in the insurance requirements.
Additional 5 copies of insurance are medical care insurance, Mr. Chen has a share in the unit due to the social health insurance, they put a lot of additional insurance to protect small enough as a social security supplement, when he suffered a major illness, effective to alleviate the financial burden on the family.
Show more concern for women's health
Beneficiary: Mrs. Chen
Insurance intention: "Every day she have to work again with children, it is really hard," Mr. Chen spoke with emotion, his wife, "I want to give her a health protection."
Recommended programs:
Main risks: Shun female critical-illness insurance life insurance credit 5 million term life insurance, and paid period of 30 years.
Additional: hospitalization cost medical health insurance, personal costs of ambulatory surgery medical insurance, accidental injury insurance, medical insurance, accidental injuries, major diseases, hospital income protection insurance, hospital income protection insurance.
Years to pay premiums Total: 1825 yuan
Recommended reason: Women's health insurance, there are many types, Shun insurance for 16 to 50 year-old woman, the health insurance covers 28 kinds of women prone to major diseases: including cancer, acute myocardial infarction, coronary artery bypass grafting, aphasia, women and other major diseases, carcinoma in situ.
Taking into account Mrs. Chen engaged in individual businesses, once admitted to hospital due to illness heavier losses, multiple copies of additional insurance is to provide more for her accident protection.
Give the child a beautiful starlight
Beneficiary: Chen Chen
Insurance intention: children go to school soon, and early in his career, reserve well in the future to study the educational fund; the same time, parents of the child's health is most concerned about, hoping to be safeguarded.
Recommended programs:
Main risks: Century Starlight Children's Endowment Insurance (Dividend), insured 20,000 yuan, the insurance period to 25 years old, and paid until the age of 15.
Additional: children's high school education annuities, children's university education, pensions, pistachios on a regular basis a major children's health insurance.
Years to pay premiums Total: 3250 yuan
Recommended reason: Chen Chen insured century, after the Stars and additional education annuity after the age of 15 to stop payments, from 15 to 17 years (high school), 2,000 yuan a year to receive education payment; 18-21 years (university level) each year to receive 3,000 yuan education payment; to a child 25 years of age, the insurance policy expires, you can receive a one-time provisions of the insured amount to 2 million as marriage payment or business payments. This program can be the child's school to provide strong support for the various stages, shared parental pressure. At the same time an additional critical-illness insurance, but also the issue of child health protection.
