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Data:2009-12-12 2:34
We understand that most insurance companies will benefit from an enterprise perspective, for employees to buy their own company's insurance products. Which will include accident insurance, critical illness insurance, hospital subsidies, and regular life insurance and other related insurance. The way to protect such access with a two-way option, but also on the insurance protection features, employees can also be according to their need for further additional amount of protection. (See table below)
A combination of life insurance, accident insurance and medical insurance is to protect this combination of features can be quite comprehensive and complete. Which Tsunesuke on a regular basis increasing the amount of insurance life insurance-specific interests, reflecting the longer the insured, the amount increased more benefits.
Thus, insurance companies, the insurance arrangements for employees to meet the first or the health, medical care, accident and other types of basic insurance protection.
Insurance coverage for themselves how people and the general public, insurance practitioners in buying insurance, also need their own age, income, family status and other factors, a comprehensive consideration of planning a comprehensive protection scheme. If we say that the industry in buying insurance, the "trick" or "experience", then it should be is that they tend to have a stronger sense of insurance, to better follow the insurance should pay attention to all the errors, thus creating a more rational the insurance scheme. The following is a veteran insurance agent insurance policy, may be able to give us some insights.
People: Tang Liang, 34 years old, in the International Assurance Company Limited engaged in the insurance agent business for 11 years, the 2004 Shanghai Excellent title insurance agents. Mr. Tang has a family of three, wife, 32-year-old, youngest daughter had just 1 year old. Mr. Tang's basic idea is to buy in order to protect the main supplement certain pension annuities.
Currently, Mr. Tang as my purchase include a regular life insurance, non-return type, the amount 400 thousand yuan; an accident insurance additional diseases, hospital medicine, it is not return type, the amount 400 thousand yuan; friends God great Shouyu disease risk, return type, insurance by 10 million; in addition to a dividend return of life insurance, the amount 100 thousand yuan.
Mrs. purchase of insurance, including a non-return-type regular life insurance, insurance by 20 million; an accident insurance additional diseases, hospital medical insurance, the amount is also 20 million; There is also an old-age pension insurance by 20 million annuity products.
They have one-year-old daughter to return the child to purchase additional life insurance for children health insurance, the amount 100 thousand yuan.
Mr. Tang for himself and his wife have purchased a considerable amount of non-refund-type insurance accident insurance and life insurance, as such insurance to protect the high premiums are low, very suitable for family of three. And Tang believe that the family pension annuity products as the future source of income, you can continue to accumulate. Thus, although he has purchased a number of old-age annuity products, but as incomes increase, will continue to be improved.
In conclusion, Mr. Tang I insured amount of about 100 million yuan, 600,000 yuan insured his wife, his daughter 100,000 yuan, the annual report fee paid about 17,000 yuan. Mr. Tang's insurance experience is that the insurance product requires a long-term accumulation, continuous improvement, not a one-stop thinking, but also should not be casually buy buy non-essential concept.
