Category: Insurance tips Release Date: 2006-08-01
Recently, a survey showed that unintentional injuries have become the children grow up "the first killer." Minors over 40% of deaths caused by accidental injury.
Meanwhile, In a family of three main family patterns of modern society, the child has become a core member of family. The child's health is top priority of the hearts of their parents. Despite the love and care for, but the child's body's immune system vulnerable than adults, after all, many, a greater risk of infection, coupled with hard to prevent accidental injuries, so many parents have produced a consensus on the children's insurance.
The insurance experts believe that China's children are not within the social security system, all the costs of all children by families. For many families, this is a significant amount of expenditure without any protection. In contrast, the children's insurance to provide protection is naturally the best choice, with accidental injury insurance, health insurance, education insurance, this equilateral triangle, I believe that the interests of the child will be the same as the triangle firmly guaranteed.
Case Analysis Program a newborn Insurance Program, "Bao-Ping competitiveness in the risk-free" Family Files:
Mr Wong, 30-year-old state-owned enterprise managers
Mrs. Wong, 28-year-old
Babies: birth 39 days
Monthly family income: RMB 10,000
Mr Wong has just a father a few days, all kinds of insurance agents have continued to call him recommend a variety of children's insurance. After consultation, he feels that it does some truth. However, their income is not high, with some destined to be required to pay higher insurance premiums missed, in the expert's recommendations, is prepared for the baby to buy an economical and practical.
Expert analysis: the family income of husband and wife both stable and on an upward trend, as young parents need to prepare a comprehensive children's growth in the protection and education payments, which is a long-term home finance and investment plan is the interest rate-sensitive investments, is characterized by "Bao-Ping competitiveness in the risk-free" to ensure the safety of value-added, not only in 2035 earnings.
Recommended programs: A foreign-funded universal life insurance company Gizmo Guys Children's Education Fund and Health Protection Plan.
Insurance Age: at least 30 days after the baby was born.
Program Design: A foreign-funded insurance company universal life insurance + Gizmo Guys additional critical-illness insurance for children 17 + additional light on childhood unintentional injury insurance.
Security Xiangjie: universal life insurance, a period of 0-year-old - for life, the additional children, 17 critical-illness insurance + Add sunshine duration of children's accidental injury insurance, aged 0 -17 years of age. Years of the insured deposits (co-existence 20 years) of about 10.8 thousand yuan per month on average deposit 875 yuan, will receive a flexible benefit, death payments and many other safeguards.
Option II students dividends kind of insurance benefits insurance program clearly Family Files:
Chan Kwok-keung, male, 45 years old, secondary school teachers
Mary, F, 41 years old, corporate accounting
Chen Jie, female, 15 years old, third-year student
Monthly family income: 8,000 yuan
Deposit: 150 thousand yuan
Chen Jie's academic performance in middle-class, if played properly, then the focus of secondary school should be no problem, as a teacher's father hopes for Chen Jie is very ambitious, not only on the hope that she can focus on high school, prestigious universities , but also for themselves round about youthful dreams to go abroad, but a thought of the cost of a pen, but also so that the monthly wages of a meal by Professor Chen, that pressure is not small, to see my colleagues around the kids have bought insurance, Professor Chen could not help heart, "just around the corner."
Expert analysis: This type of household income, stability, and there is a certain economic base, so a strong ability to take risks, choose to pay a short time, to protect a long time for the benefit of a clear dividend kind of insurance, can think that a similar education for their children in the special savings investment, but also that the future of learning, own businesses and provide adequate funding.
Recommended programs: Golden Age Endowment Insurance (Dividend) (also according to their need for flexibility in additional days of high school education excellence annuity insurance, annuity lucky college education, major illness insurance, accident health insurance, etc.)
Insurance Age: was born at least 30 days to 15 years of age program Xiangjie: Golden Age Endowment Insurance (Dividend), the basic insured amount ranging from 20000-100000. Payment method to pay for the year to 17 years of age.
Protect the interests that: (in basic insurance amount of 20,000 yuan, for example); payment period of 15 to 17 years of age to protect the period of 15 to 25 years of age; payment period of 15 to 17 years of age, the cumulative pay 19,818 yuan to 25-year-old guaranteed to receive 20,000 yuan, or entrepreneurial gold wedding gold; 25-year-old guaranteed to receive 10-year cumulative value of dividends.
- Recommended the program, according to a foreign insurance companies
Lessons of experience Commissioned insurance agents need to consider multi -
Su-Ping Wang 36-year-old foreign manager
My child is 7 years old this year, he was three years old when I gave him to buy insurance.
My experience is that an insurance agent commission processing, and from the following aspects:
1, the total assets as select high, financially sound, insurance the whole, a good reputation and has a longer operating life insurance companies.
2, select an agent from the regular insurance companies, are available online or by calling their insurance agents eligible for query.
In addition, the handle end-related procedures, to keep a good insurance policy and all relevant documents, if their own flats, home address and telephone there is a change, we must promptly notify the insurance company.
Expert Tips Children's insurance funds for the purpose to secure a lot of people think that kids insurance real rate of return is very low, with the savings function is almost, in fact, apart from their children's insurance, a mandatory savings function, there are funds for the purpose of protection. All ages in the child's education has a reserve of gold, at the same time experiencing illness or accidental injury, it will also be safeguarded.
Current special insurance programs tailored Expert: Lie-hui, director of American International Insurance Company Beijing Branch American International Assurance life insurance consultant Guifang Life Financial Consultant Network Consultant
Glossary Children's Insurance The classification is not a personal insurance, but insurance for children and adolescents 0-15 years of age to provide personal protection against risk. It to children as the main insurer for adults as the main policyholder, providing protection and is basically similar to adults.
At present children's protection insurance can be divided into two kinds-and education to protect children based leading provider of accident insurance, child protection and resolution of medical problems, specifically for children under the age of 16 often suffer from major diseases and surgical items, and children's living environment the risk of accidents occurring probability design. Education, type of children's risk was mainly for their children's future education costs, in addition to the so-called venture capital fund and wedding fund is to provide for their children grown up financial support.
