Category: Insurance tips Release Date: 2006-08-01
A wide range of insurance, insurance, each insurance has a different scope of protection. Insurance, you must fully consider the affordability of its own. If you look to buy too far, to the renewal should be very difficult when Paying. What should choose what kind of insurance, the investment and the number of the insured amount? More appropriate way of managing money is the annual premium revenue expenditure as a percentage of 105 to 20%. Annual income insurance amount should be 5 to 10 times.
Policyholders may be calculated based on the following information on the insured amount of the guidelines:
1) The basic family expenses, that is able to maintain the basic needs of the family's clothing, food, housing, the bottom line of living expenses. In the calculation of the expenditure, the policyholders have yet to need to maintain the estimated expenditure of time, consider at what age their children to reach in order to self-reliance, the spouse should also expect to make a living the normal life of their self-reliance.
2) children's education funds, the expenditure needs based on the insured wish to receive the kind of education for their children may be.
3) The debts, for example, by building loans, car loans and other debts.
4) Finally, personal expenses, including payment of medical and hospital expenses, funeral expenses, taxes and other processing related to the time of funeral expenses.
5) other emergencies out of expenditures, as a result of illness, accident caused by medical expenses, home maintenance expenses, the replacement cost of household goods and all other necessary expenses.
Figure out their own insurance needs of the insured, be able to know: the amount of individual insurance policyholders who are at least equal to the sum of 1-4; as expenses in item 5 of the protection, by the personal accident insurance, health insurance, and then has the insurance, . If the insured wish to insure their children independence may also be singled out their children's education funding for the project.
In the calculation of a personal and family insurance needs, the insured and then to consider their own financial situation, calculate the savings placed in bank deposits, and other investment projects, such as: stocks, real estate valued at approximately after realizing how much; to "Insurance needs" minus the individual or family "existing assets" is calculated to meet the needs and adequate amount of life insurance protection.
Life insurance have different insurance, with the savings component of the amount of the premium rates have a great-looking statements. Insurance is a long-term investment in insurance, when the most important thing is to see whether they can afford on a long-term premiums. In general, the insured monthly expenditure to their income 5 - 20% is ideal. Therefore, the insured must bear in mind based on their willingness and ability of choice.
If the insured person's wages low, but the family has a heavy burden, then we recommend that he has chosen only after the death of the insured person paid the regular insurance premium, such insurance premium rate is low, but the protection was large; on the contrary, If the insured a high propensity to save, there can afford it, including saving components can be considered a "whole life" or "five or ten or twenty years savings, life insurance," and so on, both personal protection, but also to earn an annual dividends, of course, the higher the premium of such insurance.
After insurance, you may want to look at themselves and their families on a regular basis, where appropriate, insurance needs, if necessary, increase the policy. Lot of insurance companies should pay attention to the opening of new insurance, the existing protection of their own from time to time be supplemented. Such insurance can only play a real role.
As the insurance industry was mixed, do not rule out the lack of professional ethics of individual marketers, home client's interest expense, which may cause you to suffer unnecessary losses. Thus, the marketing staff to visit you, you are right to ask them to show their qualification certificates and insurance agents, insurance companies where the effective work of documents, the right to ask marketers to explain truthfully based on the insurance provisions of the relevant contents insurance. If there is doubt, hastened to the insurance company advisory telephone call, must not in the dubious state of the insured.
