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Data:2009-12-12 2:34
"Poem and Wine literature, flower, when each piece is never deviate from it; now seven things, fuel Youyanjiangcu tea." Unmarried and married a young man's state of mind after, the difference is so great. Unmarried Merry suave, married at all shoulder the responsibility of all to a play, so it will also in the insurance plan is different.
In general, married Lilian many in the community for many years, a little economic base. To a family of three, for example, in accordance with their economic conditions, sub-spaces to make three kinds of cis-insurance plan.
First priority: the main income earners to purchase life insurance, and other family members of medical insurance.
The purpose of insurance is to reduce or spread risk, nuclear family is the greatest risk facing the main source of income to revenue break. Revenue break points three kinds: one is unemployed, as it involves the reason is very broad, rather than the need for national policies to protect the general commercial insurance can protect.
One is the loss of the ability to work with insurance companies lose their ability to work against the introduction of disability insurance. But often due to ill-defined, leading to the disputed claims. Suggested that disability insurance, accident insurance to a partial substitute for disability insurance, because the accident insurance for the definition of disability is very clear.
Yet another is the death, most people with major diseases, the life insurance to replace the previous life. In addition to death because of major illness insurance there are claims in the risk of major diseases are protected, the proposed main source of income, first planned by a major illness insurance, additional accident insurance and medical insurance.
The second risk facing the nuclear family, the family members of the medical costs. Although there is medical insurance, but with the deductible increases and the burden of some drugs, but also cost a small fortune, so this should be used to reduce the risk of commercial insurance.
Some people have purchased the insurance, to insured members of the family's medical insurance, accident insurance you can consider additional medical insurance when the primary insurance. Some people have not bought insurance, we recommend purchasing the insurance companies launched family-insurance, that is the main income of the insured person to buy insurance, and other members of the way of additional medical insurance coverage, so you can save some premium expenses.
Second priority: Children's Education Fund.
Now, most families had only a small baby, based on love psychology, parents are often the first policy is to buy insurance policies for children. Children's Life Insurance is not a bad buy, but if the parents themselves do not buy insurance, once the parents gone, who will pay the premium then the follow-up?
Therefore, parents must protect the full plan, should be planning for child policy, children need most is not protection but the Education Fund. Therefore, the Family Protection Fund, the second priority is education.
3rd pick: old-age pensions.
A rainy day early to prepare. In life insurance, medical insurance and payment protection of children's education are complete, there are still affluent circumstances, and then the pension plan. Although the countries have social pension insurance, but only enough to maintain basic living. Savings in general insurance for two years a return to three years, a return, as well as due to return. On retirement planning, choose to go to old-age pension proposal during the period, and then phased to reclaim pension insurance or universal insurance. Because if, as a pension, must be a long-term holding and should not be half-way diversion, annuity insurance and universal insurance are eligible for retirement planning features.
Insurance products have their relevance, choose different products at different stages. We advise you to examine how their policies every two years is consistent with the needs at this stage whether there are new insurance? Only meet the immediate needs, we will not waste of money for the wrong insurance configuration.
