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Data:2009-12-12 2:34
Most of us tend to buy insurance will be divided into several times, although each purchase is not many, but unwittingly pay annual premiums have been a 20000, in many families, insurance and become a top three family financial expenditure.
Went to drew to a close, let's look at their inventory policy, after all, people are changing all the time, the policy also need to change some appearance with us. Here the consumer through a "Policy Year to view the table" to experience some of the policy review function.
Policy Year View form
Company: China Life
Insurance Name: Corning Life Insurance
Insured: Wang Fu
Insured person: Prince
Effective Date: 2001.01.01
The sum insured: 30000
Premium: 2310 yuan
Contributions period: 20 years
The period of insurance: life
Protection of interests: 10 categories of major diseases, ill lose 60000, death, high-residue and then lose 30000 died due to accident, total disability indemnity 90000
Company: China Life
Insurance Name: Yasuhiro hospitalization and surgical benefits medical insurance
Insured: Wang Fu
Insured person: Prince
Effective Date: 2004.05.26
The insured amount: 16200
Premium: 224 yuan
Contributions period: wholesale delivery
The period of insurance: to 05.05.25
Security interest: hospitalization in intensive care allowance allowance allowance surgery
Company: Xinhua
Insurance Name: Fairview Love Endowment Participating Insurance
Insured: Wang Fu
Insured person: Prince
Effective Date: 2004.04.23
The sum insured: 3 copies
Premium: 6960 yuan
Contributions period: 20 years
The period of insurance: to 81-year-old
Protection of interests: from 55-year-old began to receive old-age pensions is not in any dividends, accumulated pension 189.12 thousand yuan may be at moderate dividend is estimated that the accumulated pension 332,809 yuan.
Security assessment 1. Health care fund is slightly less than, and now the average treatment cost of serious illness was 9 million, not including the post-rehabilitation expenses. Can add 5-10 million in health and medical insurance.
2. Kunihisa Yasuhiro medical insurance, hospitalization and surgical benefits: it is part of allowances in nature, are not resolved during hospitalization reimbursement of medical expenses. Can add to inpatient care insurance.
3. Prince 36-year-old, it was the golden period of development of the cause, but also the family's main breadwinner. Can increase the amount of its risk protection, to protect his earning capacity. To buy dividend-class life insurance, an insurance policy, the three generations of family can benefit from. not only to the children improve risk protection, but also increasing the value. can be considered
This table only play the role of attracting valuable opinions, readers can improve their own situations this form. Policy review is actually owned by their own insurance policies to be a list of key information to see if the information is correct, the insurance interests are suited to their needs, the need for change and so on.
Specific view as follows:
1. The policy's basic information is correct?
Information on beneficiaries and the insured may at any time modify, change the beneficiary payments paid directly determine the ownership of the death, the insured has decided to surrender changes in the ownership of gold. Mailing address is correct to ensure the insurance company mailed the renewal notice Contributions arrive in time to avoid the policy lapsed due to negligence.
2. The enjoyment of the rights of policy
When an insurance agent selling insurance policies are often referred to as security for loans, reducing the amount of payment situation, reduce insurance, surrender and other functions, good use of these powers will greatly enhance the flexibility of the policy. Pledged Loan available to emergency cash; by insurance, reducing the amount of insurance can reduce the amount paid; by insurance, you can get the surrender surrender gold to safeguard the interests of policyholders; but the exercise of these rights need to be the policy is valid for two years than before.
3. In the end how much of the pay premium?
You know, too many consumers deposit insurance premium even when they do not keep enough, which led to Hua Zhang unsuccessful. Here are many reasons:
(1), some people insured, there are occupational health fee or fee increase, and now replaced by a small risk, or body of work better, since the view that an increase of the reasons for no longer exists, it is cheap insurance deposit fee. Insurance companies will not take the initiative to give you to cancel, you must go through relevant procedures in order to lower costs. On the contrary increase the risk of your career, then the insurance company must submit an application to increase the accident rate in order to avoid claims when the exclusions.
(2), the majority of long term insurance policies can be attached one-year short-term insurance, but the short-term insurance premiums are not fixed, such as hospitalization insurance, 221 yuan this year, next year may be 320 yuan, but consumers are still above the rate of one to pay premiums, leading to policy Hua Zhang unsuccessful.
(3), purchase one-year short-term insurance, consumers often have to make a statement in order to abolish short-term insurance. For example, many consumers with the atypical pneumonia last year, additional insurance, SARS has passed, many consumers thought the SARS also will be without insurance, so insurance premiums are not paid SARS, leading to the primary insurance on time and Hua Zhang.
4. Is whether the responsibility of insurance to meet your needs?
Our living environment will change, the policy should have as our needs changed to protect the contents. In the insurance when you purchased your insurance policy may be in line with the demand. However, does not mean you have to buy protection always meet your needs, when your family situation, or job content changes, your policy should also increase as your responsibilities change. Regularly review the policy to see if there is a need to adjust where this is the correct concept of insurance.
(Table 1) are listed in the protection assessments, the next step for Mr. Wang pointed out the way the insurance investments, we believe, in the scientific assessments under the guidance of Mr. Wang's insurance policy will be more perfect.
5, the policy of the "gold content" in the end how much?
China's interest rate policy when interest rates suddenly go to the track, we must look at whether our policy, "shrunk", the policy of the "gold content" in the end how high.
To set the rate of return of insurance products are modeled on bank deposit interest rates, the current insurance market, are designed in the era of low interest rates issued. Once the banks raise interest rates, which insurance may be below the cash rate of return on bank deposits.
But the insurance is different from other financial products, the risk lies in its protection, low-premium, high amount of pure insurance protection-type insurance, the "risk allowance" of the "gold content" is high enough. Accident insurance, short-term health insurance, regular non-return life insurance, big risky and so on, in terms of such insurance from a risk factor but should raise prices. Therefore, holders of such insurance to be patient, must not be lost due to a small gain but major guarantor.
In addition to risk protection, insurance policies there is also a real "gold content" --- the policy's cash value. Not all policies have a cash value, and only a savings nature and life insurance, long-term health insurance, bonus-based insurance and pension insurance, life insurance annuity contract only with a cash value, dividend risk, its functionality and protection of traditional life insurance in general there is no difference between the insurance companies in the design of this product, when taking into account changes in interest rates factor. Holders of such dividend insurance policyholders do not worry, plus interest at the same time, the dividends will be high. For non-dividend-oriented life, if you purchase an earlier time, their intended interest rate is quite high, even up to 10%, such a policy is undoubtedly the "gold content" higher. Recently purchased by non-participating insurance, although it will shrink, but because of the short-term cash value surrender particularly low, as long as responsibility is to protect their needs, consumers should be to hold the policy as the best way. If the recent purchase of insurance, make sure to buy dividend-based insurance and pure protection insurance as well.
In short, view the policy is to have better protection is to preserve and increase the value of their own protection. View the policy, also requires you and your insurance agent concerted effort with a common plan.
