Dumbbell strategy Money Tips

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

Reporter yesterday from Guangdong Ping An Life Insurance Company was informed that, in the first half of this year, the company men, the proportion of the total insurance coverage for 27% of the total number of less than women, 13 percentage points. Compared with the same period last year, reducing the proportion of men insured by nearly 10 percentage points, on the contrary, women increased by about 5 percentage points.

The insurance industry professionals have pointed out, the insurance is first to protect the family breadwinner, since the vast majority of families, the cost of living now depends mainly on the father's income to support his father had to buy their own insurance, if, that is, the protection of its own to make money capabilities, it also assumed the responsibility of their families.

Male life expectancy less than 6-year-old woman
Read all of the life insurance policy rates for the table, the reporter found that almost all of the insurance men, insurance premiums paid by women to be slightly higher. "This is based on life insurance life table to determine it," Ping An Life Claims HUO Jian, director of the Department explained that the life insurance life table is actually called "mortality tables", which is the number of the population from the origin (or a certain age) until the all died during the period of survival and death records, which was based on gender, specific groups and categories to divide, and these data are an important basis for calculating life insurance rates, and also reflects the average age of the community as well as different age groups of the probability of survival probability and death.

It is understood that a growing gap between male and female life expectancy, male life expectancy 6 years shorter than women. This is because men generally have bad habits such as smoking, drinking, staying up late, etc., but men's mental stress and accident rates are far higher than women, in many premature death in middle-aged intellectuals, bear the brunt of The is a man.

Ping An, according to statistics, this year, buy "Sing for life men, critical-illness insurance," is far lower than the number of people buy "Shun Female Critical Illness Life," the purchase ratio is 1:1.53. Green Business Officer, Mr Kam-ling, said that many men think that buying insurance is a woman thing, belongs to the family's internal affairs, combined with men's work in general relatively tense, lack of patience, but also pay more attention to the immediate interests of the insured so few men in the 70% of her customers are female clients. However, she also said that with the deepening of the reform of the social system, men's health awareness and increased awareness of insurance, the insurance in contravention of less.

有资料表�?每年全国约有100万男性发生心脏病�?岁以下的男性患高血压的风险远高于女�?但是,男性看病的频率要比女性低28%�?%的男性从来不参加任何form of physical exercise, 80% of the seriously ill male patients do not recognize that they are due to the long-term hospital, and only then develop a serious illness minor ailments, so male friends in the workplace, "flame" at the same time, do not ignore the physical health changes.

Men what to buy insurance <br> the Ping An Insurance Claims data show that critical-illness insurance claims case, more than 50% of the incidence rate of 40-45 years old. According to reports, now the insurance companies have launched a major disease for men insurance, such insurance to protect 25 species of major diseases, and the payment of major classification of diseases, saving insurance premium expenses, in addition to responsibilities in the event of insurance, the premium waiver, liability insurance continue to be valid, but also according to the needs of the insured to apply for insurance, a single short-term loans, easy and flexible financial management.

As head of the household should also be taken into account the major economic pillars of the family, once an accident or illness, how to protect themselves and their family life, and alleviate the resulting crisis of family life. In the industry have suggested, they should first consider purchasing the protection of major diseases, including type insurance, accompanied by a higher proportion of accident insurance and medical insurance. Then you can consider giving their children to buy children's insurance, for the child's future education fund for months in advance planning. Permission of both parents in the economy can be insured under a certain pension insurance for their old age, as early as what to do next, you can also invest in dividend class insurance included in financial plan. However, when doing family financial management should consider increasing the security of funds, that is, to avoid investment failure caused by a financial crisis.