Insurancesupermarket where and how to mix family security Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Into the insurance company, the customer just walked into the supermarket, like insurance products is simply dazzling. Customers tend to purchase products which company to which hesitant.

The insurance agents, like supermarkets salesman. But the need to remind consumers that purchase insurance, do not bias the letter of agents rhetoric, remember to repeated comparisons, choose to protect themselves and their families need insurance.

Middle-aged couple family: Try giving pillar of the family insurance <br> the family of Mr. Kang is a common family of three Shanghai: There is a 18-year-old child, family an annual income of around 60000, do not buy a house buy a car program. Precisely in such families, "there are old, under the small" but the heaviest burden of responsibility and the heaviest phase. Financial Planners recommended at this time the couple should also make for their own future pension plan, and for the purchase of insurance protection expenditure should be controlled at 6000-9000 yuan / year period.

This type of family first, relatively inexpensive option to protect the higher limit to protect a wide range of major diseases, medical insurance and hospital insurance. For the family breadwinner, it is recommended to be insured term insurance, since the wife than the husband, a relatively long life span may be considered old-age insurance purchase.

Husband and wife's serious illness insurance, you can consider selecting "Conger critical-illness insurance." This insurance protection before the age of 88 suffer from one of 40 kinds of diseases are obtained when the insured paid; if not paid, and the survival to 88 years of age can also reclaim the period from the pension insurance premiums paid. The main hospital medical insurance can choose "life-long health insurance plan," this program can get lifetime medical benefits and surgical hospital subsidies.

Husband and wife in the pillar of the family choose a regular basis can be considered insurance, the insurance period may be set at 10 years. His wife's pension insurance proposal select "OurGame flexible financial management," whole life.

Son's education costs are the largest expenditure of the family, but to ensure his son's educational expenses Buzhi Yu disruption should be a top priority at present this couple thing. Child's insurance coverage recommends that you select Taikang Life "at ease worries accident and health insurance scheme," the program more comprehensive protection, taking into account the major diseases, health care, retirement, death, accidents and other safeguards, the amount subject to the protection of specific the case may be, the total premium should be controlled at around 6,000 yuan.

Single mother families: Women risk insurance equal emphasis on education
Ms Lau, now 35-year-old joint venture in Shanghai sales manager of a monthly salary of 8,000 yuan or so. Last year, after the divorce with her husband, alone with her 5-year-old daughter lives, take the entire family economic responsibilities. Ms Lau monthly household living expenses 3,500 yuan per month to pay the burden of housing for 1,500 yuan, and there are 30 million more bank loans. In the case of a limited budget, Ms. Liu would like to get insurance cover.

With Ms Lau's family financial situation and support requirements, and suggested she use annual income of 6% -8% of the purchase of commercial insurance, at this stage for the purchase of major diseases, long-term health insurance and accident insurance companies, taking additional classes on a regular basis life insurance and medical insurance, to protect the more comprehensive. With the development of personal income, she may, within three years to life term insurance life, so that extending the protection period.

Haier New York Life Insurance Company's products, for example, Ms Lau to pay 450 yuan per month is only the premium can be entitled to 70 million guarantee. As follows: health, major diseases Guardian added an extra long-term health insurance + insurance + long-term health of major diseases, additional term insurance + health insurance subsidies for daily maintenance amount + additional accident insurance health insurance the sum insured + worry Po Accident Insurance amount. The security plans to major diseases, insurance companies, to 20-year payment period, receive a lifetime guarantee, and a balance payment immediately upon re-diagnosed illness, total disability, death of the triple protection.

As Ms Lau engaged in the retail industry's peculiarities as Liu often go to foreign travel, each trip, if by air, in conjunction with the purchase of an aviation accident insurance ticket, but if the ride buses, ships, small knock what protection there would be no small collision a. Purchase the corresponding accident insurance protection, accidents leading to death if Ms Lau, insurance companies, insurance payments may be sent care of their children grown up, to help her make it happen. Once Ms Lau accident caused disability, the insurance company paid her to shake off the economic pressure will make. Ms Lau complete protection should be selected, the amount of high accident insurance protection, this would reduce the flying time to buy Hang Yixian's costs, while for example, to burn, scratch such a big surprise of the hands and feet, minor incidents are against. Is therefore recommended that Ms. Liu insured amount of 500,000 yuan to purchase accident insurance.

In addition, gynecological diseases have been getting younger and younger, Ms. Liu should not speak to buy their own copies of "female insurance." Therefore, according to Ms. Liu's case and suggested she worth 200,000 yuan to buy their own insurance cover the major diseases and additional health insurance portfolio, if suffering from major diseases, and can get from the insurance company claims, with the continuous development of the medical profession and the progress, the money is expected to enable patients to regain health. Once the hospital suffering from general illness, the risk borne by the insurance companies, rather than the burden to the child.

Ms Lau will attend primary school children, after high school, university or even go abroad to study, need large sums of expenses, Ms. Liu will accumulate their own tuition fees for his daughter entirely on the bank account, which is somewhat conservative. Recommended the child's age, stages of learning and future demands in the amount of education for their buy enough insurance. Education, insurance can protect Ms Lau of the exemption clause in the insurance period, such as the event of a major misfortune, the child can still enjoy the full benefit of insurance. Ms Lau to pay about 500 yuan per month to buy education insurance, let the children under any circumstances be able to complete their studies.

Intends to raise a family home: design a good time to receive <br> Currently, there are so many young families are planning for the future of life: they feel that they can not give financially to provide a good living environment for their children, or the parents feel it is still "not qualified" for the way the education of children is not enough to understand, therefore, has no intention of having children, until the future, the economy and its ability to mature to reconsider having children.

Young couples decide to have children in the future, we must bear the child-rearing as well as children's education as the responsibility of financial reserves. In life insurance, they should pay more attention to those who are receiving in the early recipients of insurance and flexible manner, so that taking into account their children's education both gold, but also provide the couple's own pension reserves.

Their protection scheme should be made to the financial arrangements for long-term overall planning. For example, in insurance life insurance money received when the deadline should be with their children to college coincide. This insurance is just gold can serve as their children's education expenses.

They are also the corresponding increase in the intensity of life of the insured, after all, this life insurance payments in the future payments is not only the children's education fund or your own pension. If the payments are all payments spent on education of their children, their own pension cost not not be available for it?
Of course, such families can also be according to their economic conditions and insurance requirements, select the appropriate additional insurance.

Now the funds required for the large amount of child-rearing situations, and some family members, poor physical fitness may be due attention to some medical insurance, so insurance is relatively high share of medical expenses. In this way, household wealth will be able to service whole-heartedly for their children.

Or some family members to pursue the assets of profitability, it may be concerned about the investment type of insurance, choose the number of annual investment rate of return higher than the bank interest rates of the insurance proceeds to conduct a reasonable family financial management. "Money begets money," rather than "money to save money," an equivalent increase in the amount of wealth under the premise, so that couples can have more disposable funds happy consumer rights to make life fuller and happier.

If the wife has in the production period, a husband can give his wife a mother and child insurance coverage, both will be in a production period of the wife to take care of more comprehensive, and perhaps also reduce the fear of his wife, production of psychological stress.

There repayment pressure in families: life on a regular basis to cope with risks <br> early before it is consumed, most families will tend to loans to buy a house. In the work of government departments Mr. Lin's family, is a typical family with repayment pressure. Mr. Lin, 29 years old, married 3 years, there are currently 530,000 house loan, as well as 10 years to repay. In general, Mr. Lin's work without risks, but greater pressure. With regard to such families, insurance, financial planner suggested that they could buy insurance to transfer the appropriate debt risk and physical potential health crisis.

From Mr. Lin, the current financial situation of families of view, they are husband and wife now facing the biggest financial risk is the risk of mortgage debt. Therefore, we should first address this risk. Financial Planners suggested that if a husband and wife shared responsibility to repay the loan, regardless of whether purchased mortgage insurance, we recommend the two have chosen the best life insurance on a regular basis to prevent the death of one party to another party due to bring pressure on repayment. Both the regular insurance amounts, the proposed amount of the mortgage for the remaining two to protect the time limit fixed for at least 10 years, where the financial planner recommended Mr. Xiang Lin "Taikang Life" and "Lucky accompany a" regular life insurance.

On the other hand, the working pressure it easy for Mr. Lin brings physical health problems, therefore, health insurance is essential. Health insurance, protection of major diseases should be preferred, because the costs of treating major diseases often affect a family's financial situation.

If we only take into account the security to make the most types of major diseases, then the people's livelihood Life's "Kangtai dangerous diseases are satisfactory to both sides," to recommend it, this insurance when the insurance expires, you can also get back the period insured pension; If you want to protect costs low, I suggest Mr. Lam choose to buy, "Allianz Dazhong," "short-term additional major diseases," but remember to buy, "Allianz Dazhong," the main danger.

After the insurance choice of major diseases, it is recommended to add inpatient care insurance. If Mr Lim's flat on his behalf to pay 4 gold, I suggest Mr. Lam choose to subsidize hospital-based hospitalization insurance, Taikang Life, "Century Taikang individual patient medical insurance" is more suitable.

In resolving their debt and health risks, if there is spare money, it is recommended Mr. Lin husband and wife can be considered to be a financial planning. First of all, you can try to invest in every certain period of time on the return of insurance products to the return of insurance premiums for the early repayment, but also end loans, the return can also be used to supplement old-age insurance benefits or other expenses; secondly, You can also choose some guaranteed rate of return on investment-oriented insurance products. In view of these investments, in CMG "Golden Triumph Center Endowment (Dividend)" and the Allianz Dazhong a "flexible financial life (universal type)," for Mr. Lin to consider.

Also, do not forget the choice Accident Insurance, Xinhua Life Insurance, "Multi-PAT Lucky Card" option to buy more copies, has been largely able to meet the average family accident protection.

Dink Pioneers: Life Insurance inappropriate <br> keen on both the world's DINK families, family income used for off-site travel, and meet up with friends more. Mr Chan and Ms Fong is a pair of promise to be the DINK families in the end the husband and wife.

Typically, such families of funds less reserves in the event of accident or illness, may be in terms of capital would be hard-pressed. Moreover, some families seem to manage their money is rather weak, and more thought to how to spend a romantic two people in the world, the lack of a long-term family financial planning.

Mr. Chen believes that "If we want insurance, will choose a number of safeguards and strong insurance, as insurance profitability, I do not value."

Financial Planners design for the Dink family's insurance plan is: When the young couple decided to DINK families in the end, the respect of how the endowment more than invest a little thought for the future. Others old, by the child care; while such families to rely on old-age insurance. Future pensions and medical payments when you are old and weak reserves of its own commitment by both spouses, then life insurance protection plan can choose the best type of life and death insurance co-existence, both taking into account the protection of life functions, but also provide pension reserves , rather than to the entire whole life as a self-insurance schemes. Only because the whole life to get the death claims, while the old DINK family member died, is not going to claim the deceased children, claims payments.

In that respect, DINK families should take full account of growing old and large medical expenses, you can choose a number of life-long duration of protection class or for the protection of health insurance products, particularly to protect the amount should be higher than the average household. So as to give full play to the role of insurance, to provide you with full medical costs for the later years of life more relaxed and happy to provide a strong protection.

If these family members to travel often, an accident insurance coverage is also very necessary. After all, away from home, such as the risk of accidental injury that may occur at any time, voting for a accident insurance, to give themselves a psychological comfort to an increase in case one of the spouses, unfortunately, time of the accident, the insurance reimbursement payment will be the sharing of family economic pressure.

Similarly, the Dink family members are often the cause of the busy, too busy to take care of each other, we might Jiuji "own the other half" insurance, the insurance to pass the love between husband and wife. One policy, not only can provide the family's "sense of security", but also lets you feel the warmth of the family, even if the "other half" is not around, can understand each other's sense of love and yearning.

Of course, the DINK families are mostly middle class, they tend to value and increasing the value of assets. If, apart from insurance coverage to protect nature, as well as spare cash, it is better to consider a number of investment options insurance dividends, so that increasing the value of its net asset value.