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Data:2009-12-12 2:34
Families on
Mr. Zhang, 35 years old, 8,000 yuan monthly salary; Mrs. Chang 32-year-old, 2,000 yuan; husband and wife have a "three risk a pot of gold", there is a 5-year-old son. Total monthly household dedicated to their parents 400. In 2002 to 20-year mortgage loan to buy a set of two-bedroom (total 600,000 yuan, 20 percent down payment, interest rate of 5%); this year's move to the former flower decoration costs 6 million to purchase furniture, costs 6 million to purchase household appliances 5 million; a car one, three years ago, when the acquisition worth 1.4 million; other relatives and friends borrow 40,000 yuan, annual interest rate of 6%, amortization of family and friends indicated that they could, but it paid off in 2 years; At present, families have 8,000 yuan deposits, valuables (gold) 4000 yuan, other family assets (computers, furniture, etc.) worth 20,000 yuan. The future of his wife hoped that his son access to higher education, the University of expected future cost of 30,000 yuan a year. And is prepared to pay relatives in the short term liabilities.
Financial planner Wang Rong
Problem Diagnosis
Mr. Zhang is currently in phase stability of the family, household debt rate of 58.81%, a higher debt ratio, household liquid assets ratio is very low, if the family income problems, will be forced to cash in fixed assets and valuables, a greater impact on families.
Mr. Zhang, household income, revenues accounted for 80%, dependence on large, Mr. Wan Yizhang untoward, families rely solely on the current deposits and Mrs. Chang's income only to maintain less than 2 months.
Clearly, Mr. Zhang, a settlement of relatives in addition to debt, to send his children through college, the current urgent need for supplementary insurance to cover the exposed family financial risk.
Insurance estimates
The calculation of family a reasonable amount of insurance purchased, first of all to conduct a number of assumptions. Suppose Mrs. Chang, 20 years after retirement, post-retirement life of 25 years; the two sides needed to support the elderly 20 years; set the discount rate of 5%, assuming that Mr. Zhang, accident, death, family and living expenses level of a two-year period of adjustment Two years later, the current consumption level of 70%; Mr. Zhang and Zhang his wife a monthly allowance of 800 yuan post-retirement pension; Mr. Zhang and Zhang his wife have health insurance and more serious co-ordination.
Insurance Program
Suggested Mr Cheung would buy 20-year term insurance, the amount 500 thousand yuan, 2,500 yuan a year Paying a monthly pay 208 yuan; Mrs. Chang on a regular basis to purchase 200,000 life insurance, annual premium 600 per month pay 50 yuan.
Couples the same time, the joint purchase of 10 million Endowment life insurance. Mr. Wan Yizhang death an accident, these two types of insurance to protect Mrs. Chang, a 60 million will be the death security payments, so that family life to continue. If Mr. Chang no accident, then reaches the retirement age and 10 million in retirement benefits. The annual insurance premium to pay 5,000 yuan a month to pay 417 yuan.
He is a purchase of accidental deaths, injuries insurance 600,000 yuan, 600 yuan per year Paying a monthly pay 50 yuan.
The proposed purchase of property insurance sum insured is 190,000 yuan, according to 0.2% / year rate, the annual premium of 380 per month premium of 32 RMB.
Premium calculation
The annual premium to pay 9080 yuan, 757 yuan per month to invest the money, less than one-tenth of monthly income and expenditure ratio of more reasonable. According to the current standard of living, the burden of monthly premiums, there are still a net balance of 1900 yuan.
Products Recommended
Regular life insurance products: Xinhua Life Insurance Company Limited's "Regular Life (B)";
Endowment Life Insurance: China Life Insurance shares of the company's "national champion Fu Xin Endowment Insurance";
Accident insurance: The Chinese life insurance joint-stock company "Personal Accident Insurance Policy";
Property insurance: Pacific Insurance joint-stock company "Pacific Property Insurance."
