Chinese legend, the chairman and CEO ChenDongSheng 820 life recently published comments, insurance and housing said, automobile, gradually become the "Chinese residents household consumption new three parts". Indeed, along with the development of macroeconomic and personal wealth accumulation and consumption in family life insurance is increasing importance. We want to tell the reader
but and houses, cars, insurance is not YinHuoLiangQi "way of trade goods, after the purchase insurance may be seen many had shown policy" effect. Thus, according to create its own "golden policy" is more important. Too many varieties, amount insured, and will put the cart before the horse should bear family, preventing financial risks insurance tools of the family burden, The amount insured varieties, not too, and less dispersing risk.
buy insurance ideally "just good, don't exceed". Also, if you are experts say the combination can satisfy your family insurance security requirements, then is suitable for 80%. Every stage of security
friends, have a relatively simple effective for "custom-made" personal insurance products according to the method of every man, is the life of different stages, see you to classification in this time, then what insurance according to promote and changes in the stage of life ", "provincial gradually. For one, for example, has
suite of family period
do not know whether you recall that first brought wages, when you have done all kinds of shopping plan to buy my mother: a silk, for the father bought a tie for lovers, buy a watch, and for your... but when you own plan, you will find the first month's salary was too, couldn't satisfy own all the "family", then, your dreams to cut some of the plan, even the most of the plan. So, these stages of
away many good wishes? The young man, the society, what has accumulated wealth, while some desire and not so tight, not at the moment to be fulfilled. Maybe next time when you pay until you can realize part of it.
buy insurance the same reason. When you are a person, you may be social fresh is strong, to make their consciousness of insurance products, but bought you will find yourself, you can only limited economic bought need most security, not all security. One year,
with life's ups and downs, waiting for changes to the needs, you will find your desire has happened some changes. Buy insurance. When you came to life, has accumulated a certain age of wealth, some products have been regretless, not that you need. So, in different phases of life insurance is when the changes, therefore, insurance and not suitable for stroke, consumer must regularly.
medical insurance and life "spring, summer, autumn and winter shelter
insurance as a part of the family finance, and family financial goals. Generally speaking, the life of different development stages, should pay attention to and different financial goals, the family of the nature, the use of adult life can be divided into "ChunGeng DongCang XiaZhong, harvest, and four stages." Arrange insurance plan, in order to ensure the smooth stage. In understanding of their
specific risk again? People familiar with: "may, aging, illness, and death." Children grow education, sick or disability pension age and even death... these events, if improperly treated our dearest family constitutes the financial risks and crisis. In different periods, individuals and families of personal security is based on these risks on. (a) can be reference table
family of men, just got married and most suitable coverage is paid, and give credit to children's living and perfect enough years of education funds, until he was too old, children are grown annually, can no longer rely on fixed receive a certain amount of pension insurance more important. Why should we then
table (stage: the family security adults)
) (20-30 basic
XiaZhong development (30-45 years old)
harvest 55 (45 - wealth ChunGeng
DongCang endowment (55) after the age of different categories of
consumption risk
single stage
maturity ability family
balance can adjust the family financial goals
married, mainly for the first time adjusting insurance
priorities change rooms, children JiaoYuJin
children need of different" entrepreneurship, weddings, retirement plan
key guarantee series.airic families live in life stage
medium high low
period of retirement
stresses personal accident and life insurance, medical accidents regular medical expenses insurance,
family support, regular life insurance, insurance, the parents of children JiaoYuJin
parents disease insurance, medical insurance and pension insurance revenues to subsidize a different life
personal accident
) arrange purchase house
need to select different different, so the insurance products, because every risks are corresponding a unique function.
accident occurs, who will take care of children and family? Insurance, regular and life can help solve the problem. The high accident
disease or disability occurs, how high pay expensive medical expenses? Accidental injury and disease insurance can help you. Old age pension funds ensure stability of how? Pension type endowment insurance can provide part. According to your own life stages
protection needs and should choose the risks, you may want to buy insurance products, and more than one in the same period in a family members may have purchase insurance plans. At this time, and financial goals to arrange priorities, purchase insurance has a total buying the most urgent priority principle: the product, near to far, after the rush to slow. A few years later, YanYongFu
most should buy "accidental injury insurance," rather than give his daughter to buy a copy of "children", because the driver JiaoYuJin insurance almost every day to frequent use of transportation, high working overtime often, occasionally may be suffering from the aspects of personal security threats, he can't be afraid of accident at risk for this job, the only way is only for himself a in advance, if an insurance disaster, parents and children can get compensation from the family because he suddenly into economic stuck. In these years,
everyone in the family and the role of the responsibility is different, so need security also different. In the economic situation, the limited in their ability to assign the most need most in need of family members of the insurance.
insurance in detail, we can see figure 1 for different stages, the life as a security plan. The major
20 ~ 30 single period, guarantee of the accident and life insurance and regular part of the medical insurance. 30-40 years of family life, health, beauty, children education should be taken into consideration, the insurance is important to consider yourself of retirement. 40-50 years of life, health and old-age insurance can push need. 50 years later, medical and become the basic endowment of two big problems, not reduce demand degrees, but has been difficult to buy.
, separate arrangement yourself and family, not only can obtain insurance guarantee, and not the appropriate your economic conditions. Reporters recently contacted YanYongFu is very good as an example. Experts say,
YanYongFu first to buy insurance 12 years ago. Then, in qingpu YanYongFu started walking alone in the factory, bought some agent comprehensive insurance and less amount of life, less than 2,000 yuan in pay premiums.
wife, factories and businesses growing year by year development. The more busy working YanYongFu wife worried about his work, so will influence your body health, and suggested that he was serious illness insurance for hospitalization insurance. Additional subsidies, In addition, people over 30, life is also on the agenda for himself, so he bought a try and life insurance. Now will soon after 40
YanYongFu pneumonia, discharge, soon after hospitalization insurance company claims won the gold, let him feel the insurance benefits. So, for his wife and bought the endowment insurance for children, and the accidental injury insurance. For more than seven in premium million yuan. This year the 39-year-old
birthday, retirement pension YanYongFu think life seems to be getting closer to him. According to the standard of living and his future depends on a small retirement, how could maintain today's quality of life? Birthday, and his wife, and YanYongFu bought some universal life, as future pension funds. One of the biggest
YanYongFu constantly adjust yourself insurance plan, also became the VIP customers of the insurance company. Maybe like him, according to the life of the accumulation of wealth, and buy insurance steadily, and make appropriate adjustments have increased risks are specific amount, concrete, no side increase edge yourself "hard", nor let his family ", "in the economic insecurity and guarantee cost performance to find a balance, it is built a family of" golden portfolio insurance.