Family insurance planning experts suggest that first of all for the earning power to buy insurance

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

Pillar of the family should be given priority for the earning power to buy insurance, insurance experts say, in order to secure the family, fathers should be guaranteed priority during this year's Children's Day, several insurance companies to vigorously promote children's insurance products, to persuade parents to their children's education in order to make early payment plan . Father's Day week, Day again usher in, as the main income earner fathers, how to buy insurance?

Fathers should be the first to be protected while insurance professionals have suggested, it should be the main source of income to the family's father, who put in most of the premiums, but fathers often take out insurance for his family, when a very enthusiastic when it comes to their own total do not take action . AIA, a senior life insurance consultant Sun Qiaoling said with a smile, had just given birth to three homes, buying insurance or the wishes of the strongest, because the parents feel that heavy responsibility, and family needs financial security, but fathers are often the first question, it should be for the the child what to buy insurance. "A lot of fathers is not clear how the family's responsibility should be reflected, buy insurance, what is the purpose."

Most of the living expenses of the family depends mainly on the father's income to support, so many financial experts believe that the father had to buy their own insurance, that is, to protect their earning capacity, to prevent the loss of this ability, the family's quality of life plummeted. Therefore, the maximum protection of investment in the father's body, his wife and children, is the most reliable insurance.

If a family plans to buy insurance, then the father of the young should be insured large, in the policy before signing, he needs to carefully consider two main issues - the appropriate amount of insurance and the selection of insurance.

Cf household expenditures for the insured amount when the world has added two new members, the family of the younger generation to increase the number of educational expenses, the required amount is by no means a small amount, while the wife because of the relationship between the rest of production, over time, can not be work, in addition, each month there is a house, the car should be available for the whole family at once ... ... only the father has an income, while expenditure has increased a lot.

Sun Qiaoling found that, in this period of the policyholders, first of all are concerned about the cultivation of a child charges, but often overlooked risk of mortgage and car loan, few people will take into account future pension problems. Thus, in determining the amount of insurance when you can easily go astray.
How much money to the insured in the end my father really could do no worries? Insurance professionals warned that the amount of each client to determine the insurance requirements should proceed from the individual, and will be adjusted with the change of life. Insurance expenditures should have a basic accounting framework, that is, the family burden of all loans, plus the cost of living over the next decade to calculate roughly the total insured amount of families, the father earn a few into a total household income, they should be share a few percent of the sum insured.

For example, Guangzhou's a family of three, the child is not one year of age. Current mortgage 500,000 yuan; monthly living expenses of more than 8,000 yuan, a year down nearly 10 million, according to a ten-year plan to protect the operator, the total living expenses for one million yuan. Well, the family's total insured amount should be 150 million. From the revenue perspective, the father's annual income 50 million yuan, 100,000 yuan mother. Generally speaking, the father need to achieve the protected amount should reach 1.25 million.

The family now wants to control the annual premium paid within the 30 thousand yuan, and the special requirements for insured mothers and children increased. As a result, financial experts will be 1.25 million insured that his father, a 20-million allocation for the major diseases insurance, premium pay 5,000 yuan every year; a 50-million accident insurance, premium pay 1,000 yuan every year; a 300,000 yuan of universal life insurance, and additional clients due to disability caused by accident insurance 25 million yuan, 6,000 yuan annual premium. So, the father should be put into the annual premium of 1.2 million, in line with the family's insurance investment budget. These three policies to cope with his father showed up accidents, illness caused by economic blow to the nuclear family.

Each family will have years of premiums into the budget, despite the cost of home insurance in developed countries generally account for 10% of annual income -20%, but taking into account the expenditure on the daily lives of Chinese families is relatively large, so the ratio could be reduced to 8 %. In other words, the father of annual income 50 million a year takes 4 million on the purchase insurance are appropriate and that the current insurance portfolio just to satisfy a family's basic security, the remaining money can be used in his personal pension insurance.

After the 35-year-old men, the ideal disease to enhance the amount of insurance risk does not necessarily bring about comprehensive protection insurance needs a reasonable match for the fathers, the insured has its own characteristics.

Pu Haixiang yes AIA Guangzhou Branch Camp Management Office manager, with his many years of experience, 30 years old -40 years old adult males the greatest economic pressure, the primary purpose of financial management during this period was to seek financial safety. Pu Haixiang when his father, after buying insurance for himself two goals clearly defined, first for their ability to earn two or three decades insured, and second, to save a bit of money forced his retirement.
To make money two or three decades of work time, sickness, accident, disability, death can take away the ability to make money, while the insurance is in order to address these types of risks.

Focused on adult men in the major disease-prone acute myocardial infarction, cancer and stroke. From the AIA insurance claims statistics of view, adult male over 35 years of age, disease gradually increased, the age of 40 -55 years of age is a period of high. Puhai Xiang said that the current 35-year-old -55 year-old man in the insured's medical report, blood pressure and lipids few normal "blood pressure and lipids from the index to determine the person's job level." High blood pressure and blood fat are the bane of trigger of acute myocardial infarction. At the same time, long-term smoking, excessive alcohol caused a high proportion of lung cancer. Most of the strokes occurred in a long time engaged in high-intensity mental labor people.

Accident insurance does not protect against disease, accident insurance, Members are most receptive to the risk, but it should be noted that the insurance contract that the "accident" is defined as "alien encounter, the unexpected, non-disease" of the accident, which means that because the disease and death does not belong to the scope of accident insurance paid. Puhai Xiang said many of the causes of claims disputes lies in the understanding of the definition of accident insurance.

Currently on the market there are two kinds of accident insurance policy, divided into savings-and consumer-oriented, the former will pay period of the contract illness insurance, no disease can be treated as savings, after the expiry of back premiums; the latter do not have savings function. Experts suggest that only as the main risk is the risk of major diseases, savings-type insurance.

In addition, with age, it is best suitable for the old-age pension insurance products to improve the amount of insurance. The specific amount can refer to their own daily lives of the estimated post-retirement costs, less social security and enterprise annuities to be. Zhong Hong Life Insurance Guangzhou Branch Sales Manager Zhao Kenwood view, the current best-selling universal life insurance products may not be ideal for old-age security, because when the insured to enter old age, you need to be deducted from the premium the risk premium rate of annual increase will be very fast, at this time and then renewed, and is not worth, so the majority of universal insurance policy to terminate in the retirement age, the insured will be a one-time extraction of money for insurance. The What's next? If you want to after the age of 60 a month in cash available, then in addition to social security, enterprise annuity form of pension other than, you can buy a traditional pension insurance products to add.