Category: Insurance tips Release Date: 2006-08-01
Case Information:
Mr Choi has been doing business in Zhejiang Province to Shanghai 10 years, currently operates a small advertising company and large scale color printing factory, every year over one million yuan in revenue. Mr Choi to do business all these years the road was not smooth, has looking from another in several industries have experienced the stock market ups and downs of struggling Bianchang taste.
41-year-old, he gradually the past two years to stabilize their careers, to their own wives and children and the future of the pension, he decided to come up with some of the funds each year to buy life insurance and pension insurance, the premium budget of 5 million per .
United States insurance: protection of sources of household income <br> Mr Choy as the family's main source of income, require higher amount of life insurance in the event, unfortunately, can serve as a tax-free legacy to leave his family. In addition, to maintain the original business may require a larger cash flow, the money can also help his family continue to operate.
Mr Choi annual income of over a million dollars, if the incapacity for work due to disability need the original 60% -70% of income in order to maintain the current quality of life. The proposed purchase of accident insurance, disability income protection, if, unfortunately, severely disabled due to accidents each year can still receive an income guarantee family life. Usually travel may be more frequent, you can also buy some of the public transport accident insurance, and to enhance protection in this regard.
In addition, Mr Choi had been perplexed session, to be considered old-age needs, it is recommended to buy dividend Endowment insurance.
The following table lists the protection plan, the 41-year-old to 60-year-old Mr Choi has the lowest death of 1.4 million yuan to protect security and total disability; if traveling on public transport, suffered injuries, will also receive an additional compensation.
41-year-old to 55 years of age, if the unfortunate accident with severe disabilities, can enjoy a 60 million a year of disability income protection, until 60 years of age; if, unfortunately, died before the age of 60, the insurance company will pay the remaining years of the protection of a one-time payment. In the pensions context, Mr Choy in the 41-year-old to 60 years of age every three years, will receive 20,000 yuan insurance premium; from 61-year-old to 65 years, every three years, will receive 40,000 yuan of money; 66-year-old to 75 years, annual will receive 80,000 yuan. It may also be involved in policy dividends. (Yan Liang)
Health and Life Radio and Television Day: value of sound and try <br> into Buhuozhinian, the family in general in the growth stage, work and life is back on track. "There are old", both spouses need to support a number of old; "under the small", children are usually at the secondary level, education costs and the cost of living soared.
Mr CHOI After a decade of hard pioneering present, there is modicum of success. For this type of family in terms of private entrepreneurs, they are the backbone of the entire family. Once they have an accident or seriously ill, the family's standard of living will nosedive. Therefore, Mr Choi as a risk-conscious private entrepreneurs, in order to buy their own adequate insurance is a very wise choice.
Mr Choi is designed to protect our 200 million the amount of insurance scheme to supplement the pension of the Endowment Participating Insurance and a range of health insurance scheme for them. Among them, Ruifeng Endowment Participating Insurance with a life annuity features, 65-year-old Mr Choi when you can start to receive. If the lump sum, about 110 million per; am 15 years of collection, about 85.8 thousand yuan per year to collect the total 1.28 million; 20-year collection, about 68,000 yuan per year to collect the total 1.36 million. In addition, the annual share dividend, the cumulative interest-bearing.
(India Jian-Gang)
Comments: The wealth of the insurance locked <br> is often said that too poor to very rich people and those who do not have an insurance policy.
Because of the poor in the struggle for food and clothing, naturally no time to consider insurance; the rich such as Bill. Gates, Li Ka-shing, and wealth for them, just figures, but, of course, do not need to buy insurance.
Most need to buy insurance, usually middle-income middle class. Like entering Buhuozhinian of Mr CHOI, after years of struggle, from a penny to an annual income of one million. What he needs is to work hard too hard to lock their own wealth and to ensure more and make sure our family had a good life, not because the accident so that it all disappeared.
Two insurance companies is based on the consideration for Mr Choi designed a high life and accident insurance protection and insurance with the co-existence of life after Mr Choy old lay a foundation.
The difference is that, in the additional insurance, the Radio and Television Day Health Life is more emphasis on the major diseases and medical aspects of Mr Choy protection; United States insurance policies biased towards accidental injuries he had received compensation income that comes after.
The so-called "listen to others and to side with the letter is dark," Mr Choi can be according to their risk characteristics and needs, a comprehensive comparison of make a choice.
