Escort how investment in light of tailor-made insurance Insurance Tips

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

There was a time, people see the security personnel at the mere mention, lest they "dead wrapped around hard grinding" that they can not drag the body, and careless, it may be "dragged into the water." Today, insurance, workers who remain with their passion, people learned about the insurance, is no longer disgusted by. They began to seriously consider and study the insurance industry also invited experts and consultants for their own tailor-made a set of insurance and investment plans.

The young family of three: Mr. Soong, 32 years of age, the corporate sector managers; his wife, Ms. Liu, 30 years of age, teachers; son, Beibei, 5 years of age, monthly family income of 15,000 yuan, there are some savings, mortgage loans 500,000 just buy a house ; two units of insurance benefits is full.

Features: This stage is the life period of development, career development, parenting and education are major components of life. Mr. Soong to work hard and hope the smooth, thus his wife and children to create a good living environment. Ms Lau is focused mainly on the children, and how her career will be some impact.

Demand analysis: both spouses are the backbone of the family, so their accident protection, health insurance, major illness protection and life insurance protection must be sufficient to ensure that parents in case an accident occurs, a child can receive financial support through insurance, continue to receive a good education.

In addition, the family for the housing loans and nearly two decades in order to pay off, as the principal repayments of people with his enthusiastic, but also prepare some premium low-high two decades on a regular basis to protect life, just in case any eventuality, the house the loan will not become a serious burden. Taking into account the unit where Mr. Sung couples provide a comprehensive social insurance, enterprise supplementary medical insurance, and routine medical expenses units can undertake, in the health insurance could focus on considerations such as protection of major diseases.

Based on the above analysis: Mr. Soong family input for the annual premium income of around 10%% better than the rest to do more active investment and some cash reserves; to protect the best lines to reach 10-20 times the annual income could be the family more time to guarantee financial stability.

Successful careers by: Mr. Gu, 45 years old, the company vice president; his wife, Ms. Lin, 42 years of age, civil service; daughter studying at the university, the average family months to 2.5 million, have some savings, room, car is a corporate welfare distribution, with property rights; two units of insurance benefits is full.

Features: personal career mature and prosper, a stable and harmonious family life.

Demand Analysis: Gary's a variety of entertainment and mission travel more, and sometimes there is no law of life. Therefore, Mr. Ku must be protection for themselves and prepare the family to develop a healthy contingency fund experts recommend purchasing critical-illness insurance and accident insurance and so on greater protection. In addition, Mr. Gu also prepare for retirement and old age. In order to cope with future interest rate risk, inflation and possible risks such as inheritance tax levied, Mr. Gu active investment banking, such as investment second property, funds, stocks and other assets should be preserved so that, value-added, but should increase the insurance investment, especially for some of dividends pensions, dividends whole life products, the implementation of more robust financial plan. For housing, family and property, automobile, you should consider buying home property insurance, automobile insurance. Schilling as a national civil service, and has adequate insurance benefits, but they can consider increasing the number of dividend Endowment insurance, as future pension supplement.

Based on the above analysis: Gary's input for the annual family premium of 20%% of revenue is better. As the older, 10-year payment option period, the rest can do more sound investment income and certain cash reserves; to protect the best lines to reach about 10 times annual income, you can give the family more time to guarantee financial stability.