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Data:2009-12-12 2:34
Moderator: With all risk prevention awareness, to purchase insurance to be a lot of people's consciousness. However, whether we have the age-adjusted insurance program segment awareness of it?
Different age groups are different degrees of risk, thus matching the insurance should also be different. Like the stairs, like buying insurance, but also according to their age, economic strength, the different, step by step to perfect its insurance schemes.
According to this idea, we constructed a "insurance needs pyramid" (Figure). The first level is the insurance against accidents and damage to general health, and the second level is to combat the risk of death, the third level is the prevention of major diseases, the fourth stage is the preparation for their own pensions, malpractices insurance as a fifth grade financial means.
Story of a young man to buy insurance "do what"
Xiao-fang is the 2000 session of the city Normal University, graduated from undergraduate, graduate internship at the end of the Yangpu District, assigned to a primary school when the English teacher, as from time to time as a consulting company to do part-time translation, Xiaofang, 1700 the monthly income of 3,000 yuan is not in and so on.
In early 2005, Xiao-fang encounter while shopping in the supermarket items of a certain high school students learned that a certain item in the college in the city after graduation to do a large insurance company salesman. Xiang Xiao-fang of a night on the invitation of a meal during which talked instilled a lot of insurance awareness to Xiaofang. Xiao-fang is a sense of crisis, they have more girls in particular, filial piety, in particular, to hear a certain item, said: "My parents worked hard to support you so much, in case you are out of an accident, it is 20 years, raising the white!" Heard here, Xiao-fang's tears fell in the brush look at the spot pays for their own accident insurance to buy a.
Almost every week from this one please Xiaofang dinner, in a particular item's lobbying, Xiaofang also added a long-term dividends to buy insurance, term insurance, health, health insurance. Annual premium of about 13,000, spread over more than one thousand dollars per month.
Just had a steady income Xiaofang expenditure is not small, for life has been all kinds of new desires, within six months Xiaofang, acquired for themselves a digital camera, cameras, MP3 ... ... and therefore there is no balance. Six months later, Xiaofang amateur work, consulting firm to write off, her monthly income suddenly fell to 1,700 yuan, 1,000 yuan to remove the premium, leaving little. Not to mention the large consumption of daily life, have become rigid. In desperation Xiaofang choose surrender, but fortunately insured for too long, Xiaofang can only be "money to buy a lesson."
Comments: General insurance premium income should not exceed 15%, Xiaofang, apart from formal employment income that although there are amateur, but still should be from a stable basic income to calculate her premiums in excess of the minimum income, 50%, obviously is unreasonable. In addition, since the age of young people themselves have the advantage of buying insurance can be focused on accidents and general medical insurance, the case of periodic life insurance or other insurance dividends should do what.
Story of two families on the formation of 27-year-old to buy life insurance mike and Tang to the Chinese, are currently in Pudong, a foreign financial company. October 1 last year, fell in love in three years, they finally entered the marriage hall. In the Marriage Registry, there is a small window to sell insurance. Xiaotang jokingly to mike for the wedding of two people to buy insurance policies. Xiao Tang proudly say: I am more than 25 years old when bought health insuranceå“?
The speaker has no intention, determined to the listener. Oath of marriage after the marriage registration office of insurance consultants Huanzhu two immersed in the sweet lovers, kindly remind them: if mike is just buy health insurance, then it is only used in a single phase of insurance. The organization of the family, the various responsibilities should be increased --- One is for the other half of the responsibility, the second is the responsibility of maintenance for the elderly, as both belong to the first-generation only child, the future to pay 4 for the elderly, there is a potential the risks and pressures. Case of an accident, the two will have a great impact.
Although the two are considered in view of white-collar workers, it has already bought a house to the bank loan, with repayment pressure, it is recommended to add one of their regular life, but also against the risk of death, to improve their life insurance worth. Couple happily bought the insurance.
After the Spring Festival this year, mike as a result of outstanding performance, promoted to manager, income suddenly increased a lot. For the trust of their insurance agent, the two couples re-engage their insurance plans designed for the family in the original on a regular basis, based on life insurance, both for themselves plus bought endowment insurance, look forward to a rich and well-being of old age.
Comments: like mike his wife so according to their actual economic situation in a rational insurance story is worth consideration. From an economic point of view, due to accumulation of a long time, the more young people are buying fewer old-age insurance payment, relative to the families of the economic pressures are also smaller. Therefore recommended that strong families can be equipped as soon as possible for their own old-age insurance.
Story 3 Tim Golden of the baby attached to education, 30-year-old Tang Fei and 27-year-old lady had just done this year, parents. Do not know how matter, Miss hospital charges, shortly after another to have the door to find an agent to specifically promote children's insurance.
Miss fee to consult the views of his mother, the elderly feel that their kids just born to buy insurance, a bit unlucky. But as the agent of the door again and again explained, fees have increased a lot Miss an insurance knowledge. The final two couples to prepare for their children can stay with a baby a lifetime of life insurance and education dividend payments insurance, which is characterized every 5 years to 15,000 yuan Miss Tang and the costs of the return, at the same time as the children grow up: go to high school to college, get married, 30-year-old entrepreneur will receive one additional funds.
This is similar to savings-type insurance, so that the two couples find it very satisfactory, but there is also justifiable in the elderly. And with the funds reserved, do not worry the future, costs the lives of Miss an even more "casual" the.
This year in May, the girl's agent fee to the park that should no longer be a child Tim accident and health insurance. At this point, the insurance company where the agent happens to introduce a policy to preserve family activities, the child's parents, both can be used as the main risk insurance, additional insurance, so that the economically more cost-effective.
Comments: Generally speaking, we would recommend to protect the family breadwinner before the insured person, in which a child should not take out insurance issues, has always been controversial. However, if the type of education as a savings and insurance payments, complete look at the family's self-preference. The future cost of education will indeed be higher each year, prepare an educational grant for children would be a good idea.
Story of four pre-retirement pension and then 45-year-old Delta, Mr. Chang-Bin, in the Huangpu District, a law firm to work, professional competence, conduct and sincere, income has been very stable, wife is a gynecologist, income is not low, They were married 20 years, always maintained a high standard of living.
Long-Bin's wife to retire in another decade, and gradually began to consider retirement. As early as five years ago, the couple has already bought two old-age insurance, to retirement can receive 1,000 yuan a month pension. Recently my wife and long-Bin discuss retirement is best able to frequent travelers and relax, so doing the two social security plus pension seems a little nervous. I do not know should not be taking advantage of the money together to buy a 50-year-old old-age insurance.
Consulted with a couple questions about their own agents of the supported views, is pleased to again and again and bought two old-age insurance, but also raised a significant amount of insurance sickness insurance. While it may pay higher premiums, but the couple are currently at work, his daughter will soon graduate from Fudan University, can afford the premium. According to this pension would like to add, the future husband and wife can be very comfortable retirement life, quality of life is also not fall.
Comment: As the age increases, all kinds of health, accident risks are rising, suggested some well-off families can enter the middle-aged to consider: 1. Increase the insurance limits, 2. To increase the different types of insurance, 3. Pension re - delta. In general, insurance coverage should be growing on the especially well-off families, but also through insurance to avoid a possible future estate tax.
