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Data:2009-12-12 2:34
Editor's note: In the person's life, "Four Seasons" at each stage of the main risks faced by different, the affordability of each stage is different at each stage of the need to protect the amount of wealth is very different, and in the end what to buy insurance, how much insurance to buy is the right's own "golden combination"? Also can only be according to their specific stage in which special "customization" of their own life insurance, "Four Seasons map" of the.
China's insurance industry is one of the strange man, Taikang Life Dongsheng, chairman and CEO has recently issued a statement that the insurance will and housing, cars, together with household consumption in China has gradually become the "New Three Big Pieces." Indeed, with the macroeconomic development, the accumulation of personal wealth, insurance and consumption in the importance of family life is becoming increasingly apparent.
However, and housing, cars is different is that the insurance is not a "silver goods two payment" means transactions in commodities, insurance policies and may need many years to see the original insurance policy showing the "effectiveness." In this way, on-demand to create its own "golden policy" seems more important. Insured varieties too much, too much the amount would be upside down, so this should bear the financial risk management instruments to prevent the family of insurance become a burden on the family; insurance varieties incomplete, rates are too low, they would not achieve the role of risk diversification.
Some experts say the ideal situation is to buy insurance, "just good, not to exceed." Some experts said that as long as your family insurance portfolio to meet your immediate security needs, 80%, that is, the right of the.
We would like to tell my readers to a friend, there is a relatively simple and effective for the "custom-made" personal insurance portfolio method is based on each person's life at different stages in which to classify, generally need to see you at this time what kind of insurance, and then the advance stages of life and changes "step by step, level by level adjustment."
Periodically adjusted insurance consumption
Do not know whether you can recall the moment when the first salaried, then you sure do a good job early on a variety of shopping plan: to buy a scarf for my mother, for his father to buy a tie, for the lovers to buy a watch, for their own ... ... But when you listed in your plan, you will find the first month's salary is too small, and there was no way to satisfy all of their "family dream", when you delete some of last resort scheme or even most of the program.
Why should we give up so many of our good wishes? What it simply, young people entering the society, wealth has not accumulated the same time, some aspirations are not so urgent, not at this time must be achieved. Maybe wait until the next time you are salaried, you can then realize part of it.
Buying insurance is the same reasoning. When you are a Young people, you may have a very strong sense of insurance and wanted to buy the products they need, but this time you will find that their economic capacity is limited, you can only spend money to buy most in need protection, but not all protection.
With the changes in life ups and downs, and while waiting to achieve the various needs of the occasion, you will find yourself a bit of desire to change has already occurred. Buying insurance is the same. When you get to the middle-aged life, have accumulated a certain amount of wealth, when I look back, and some products have not you need. Therefore, at different stages of life insurance needs will change, for this, the insurance consumer, it is inappropriate in one step, must be periodically adjusted.
Life "Four Seasons" to need a different shelter
Insurance as a part of the family financial management, and family financial goals are closely related. In general, the different life stages of development, should pay attention to and development of families of different financial goals, to borrow the law of development of nature, an adult's life can also be classified as "spring, summer planting, harvest, Tozo" four stages. Arrange insurance scheme, is to safeguard the smooth progress of these phases.
So, these phases to the specific risks lie? It is probably the most familiar: "birth, old age, sickness and death." Child growth education, illness or disability, old age retirement and even death ... ... of these events, if not handled properly, will be one of our most beloved family members constitute a financial risks and crises. Different periods of protection of individuals and families focus is based on these risks come. (Refer to Table 1)
For example, the right one has a family of men, newly married Tran is the most appropriate amount of insurance can pay off the mortgage, and to give their wives and children enough to live on ten years and a good education fund, until he was older, children have long - no longer rely on large adults can receive a certain amount of fixed annual annuity insurance instead of the more important.
Table 1: Different stages of life (referring to adults) and family security focus
Stage of life
Spring base (20 ~ 30 years old) Summer kinds of development (30 to 45 years old) Harvest of wealth (45 ~ 55 years) Tozo old-age (55 years later) The corresponding period of the family Single phase Family growth stage Home mature Retiring Family's main financial goal Get married, buy the first suite Housing for housing, children's education payment Children, marriage, business gold, retirement planning Cozy old age Risk-bearing capacity High Higher Medium Low Security Key Personal accident and accident medical insurance, term life insurance Pillar of the family the high accident insurance, term insurance, the parents of the critical-illness insurance, children's education payment insurance Parents of major illness insurance, health insurance and pension insurance, income supplements Personal medical expenses insurance, and accidental medical insuranceThe priorities of different insurance arrangements
Each stage of protection is different, so need to choose a different insurance products, because each insurance corresponds to a unique feature.
Time of the accident, who will take care of children and families? Accident insurance, regular and life-long life insurance can do to help solve this problem.
Disease, or high-residue occurs, how to pay for expensive medical costs? Unintentional injuries, and critical-illness insurance can help you. In old age, how to protect the stability of the pension funds? Annuity-type pension insurance can provide a part of.
To understand their own security needs and should choose the insurance, your insurance may be more than willing to buy a product, but also in the same period in the different members of a family may have to purchase the insurance plan. At this point, and the need to prioritize financial goals, like buying insurance, there is also a general principle: the most urgent priority in purchasing the product, the first long last, after, first to urgent.
For example a taxi driver, his most should buy is "casualty insurance" rather than granting it to buy his daughter a "children's education, insurance payments," because the driver almost every day, frequent use of high-risk vehicles, often have to work overtime, and occasionally may also face a threat from the physical security, he could not quit because of fear of the risk of accidents on the job, and the only way to advance only for their own accident insurance, the last event of a disaster occur, parents and children can receive a certain compensation, his family Buzhi Yu because of his sudden departure into financial hardship.
Everyone in the family's role and responsibilities are different, so the necessary protection efforts are also different. In the case of limited financial means, we must first make arrangements that are most in need of a share of family members most in need of insurance.
We can make detailed look at Figure 1, roughly at different stages of life to make a security plan.
20 ~ 30-year-old single period to protect the main accident, supplemented by part of the regular life insurance and medical insurance. 30 ~ 40-year-old family growth, life insurance, health care, insurance, education for their children should be fully considered, there is spare capacity to re-consider their own pension. 40 ~ 50-year-old life, health care and pension insurance, can not wait for comprehensive pulled. After 50 years of age, health care and pension as the two basic questions, demand has not decreased, but has been very difficult to buy.
Figure 1: Different stages of life, demand for various types of security
Timely adjustments can only strike a balance
According to their stage of life, step by step arrange insurance for themselves and their families not only get the appropriate protection and will not affect their economic situation. This reporter recently contacted Yanyong Fu is a good example.
39-year-old Yan Yongfu for the first time to buy insurance is already 12 years ago. At that time, Yin Yongfu alone a start-up plant in Qingpu, where the agent bought some small amount of a comprehensive accident insurance and life-long life, the annual premium less than 2,000 yuan.
A few years later, Yan Yongfu start their families, the plant's business has gradually developed increasingly prosperous. Yanyong Fu's work more and more busy, his wife worried that he was tired of work will affect their health, so she suggested that he increase the premium of the critical-illness insurance subsidy attached hospital insurance. In addition, people over 30, the life has gradually been put on the agenda, so he bought for himself a reconciled life.
One year, Yanyong Fu pneumonia and was hospitalized soon after discharge of the insurer's claims payment received, let him feel the insurance benefits. Thus, for himself and his wife bought the old-age insurance, and accidental injury for children on the comprehensive insurance policies. Annual premium paid over 70,000 yuan.
Now soon to lead a 40-year-old's birthday, and Yan Yongfu that post-retirement pension from his life seemed to become increasingly closer. In accordance with his current standard of living, relying on a modest pension in the future how can it maintain the quality of life now? Birthday eve Yanyong Fu for himself and his wife bought some universal life insurance, to prepare for future pension funds.
Over the years, Yanyong Fu continually adjust their own insurance plans, insurance companies have also become a VIP customer. Perhaps like him in accordance with the development of life and wealth accumulation, progressive insurance and make appropriate adjustments, increases and decreases in specific insurance, specific limits by side by side, not allow yourself to "difficult", not let their families "lack of sense of security" in the economic costs and security to find a balance between performance, this be considered to create a family insurance "golden combination."
Figure 2: Yan Yongfu's insurance consumer Ladder
