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Data:2009-12-12 2:34
Q: If you do not want to reduce the guaranteed amount, but would like to pay only the minimum premium, there is such possible? (Zhabei Mr. Qiu)
A: First, we must correctly understand what is meant by a minimum premium? Premiums for at least two meanings include: a minimum monthly premium; entire life savings to pay premiums for at least a total program. In general, the longer contribution period, the monthly premium paid less; shorter contribution period, a total of premiums paid less.
Therefore, if we want to pay a minimum premium, you must first make it clear that he wanted to pay a minimum monthly premium, or the whole scheme of life savings to pay premiums for at least? Only thus can we decided to choose what kinds of programs to meet their own needs. If the economy permits, want to save the total expenditure of the premium, you can elect to contribute a shorter-term savings, Life Insurance plan. Both the lowest total of the total premium, but also the highest savings. Therefore, children and young people preferred a shorter contribution period is the 25-year plan, while the middle-aged is the best choice for contributions to 60-year-old life, the elderly should be selected to 65-year-old program.
If the monthly premium only willing or can only pay less, you can choose a longer period to life saving programs to meet the needs of long-lasting contributions. So, whether it is children, youth, middle-aged or older may apply to the preferred contributions to 65-year-old program.
If we think that contributions to the 65-year-old program is too long, but do not want to make long-term contribution plans, may be used against the reduced dividend premium way.