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Data:2009-12-12 2:34
Miss Tao: 3 years ago, I graduated from Sichuan University, to stay in Chengdu made a freelancer. For two years, there is no savings, current monthly income of 3,500 yuan. A year ago I started to buy an insurance company life insurance, the insurance payment to 45-year-old, you can guarantee when major diseases, insured sum is 90,000 yuan, an annual payment nearly 2,000 yuan.
I would like to consult my income level to buy and how much insurance is appropriate? In addition, I want to buy a number of benefits of insurance, but also want to be able to recommend what financial train.
Money train: the case against Miss Tao can be carried out from three aspects of financial analysis: First, any scientific program of the first family financial management issues to consider is the family's financial ability to resist risks. Financial experts recommend: "a more reasonable insurance premiums spending accounts for 10% of annual household income -20%." Miss Tao described the present situation, the existing premium paid out nearly 2,000 yuan, while the calculation of her monthly income of 3,500 yuan, annual income is 42,000 yuan, then she is now spending less than 5% of the premium is entirely possible to do consideration of purchase of insurance products.
Secondly, is it possible to buy insurance benefits? This issue would need to consider many factors. By Miss Tao premiums are already spending, you can also do 5-15% of the premium budget, which is more reasonable, that is, an annual increase of 2100-6300 yuan. Single from the budget, it can be to buy some of the benefit of a better product. However, before the family should also take into account your specific situation and evaluate the family exactly how anti-risk ability. If the assessment concluded that the gap is small, it is recommended that you buy income-based insurance products; if the assessment concludes that a large gap, then the proposal was first consider the purchase of security-based insurance products, to fill the vacancy anti-risk.
Third, comprehensive consideration of the above circumstances, a reasonable purchase of income-based insurance products, not only can play the role of family protection, but also as an investment and asset value. The assumption that Miss Tao anti-risk families in the gap is relatively small, given the following recommendations: You can consider to buy about 4,000 yuan Dividend Endowment insurance. Such insurance is characterized by: both protection and savings features, to provide policyholder targeted savings scheme, to achieve their personal financial goals and enjoy life in the period of insurance protection, but also enjoy the results of insurance companies and investment in the distribution of to achieve value-added wealth.
