Five types of insurance, middle-class families necessary

dgoadsogu · 发表于 2010-8-5 01:50

Five types of insurance, middle-class families must have accident insurance 50% of the total sum insured in 2006 China's insurance density of 431.3 yuan, the insurance density of 2638.9 yuan in Beijing. The relative concentration of the middle class in large cities, the insurance density is relatively higher, but cf world average level,nike blaze, there are still a big gap. Insurance density is in accordance with the national population of a country's per capita premium income, which reflects a country's insurance penetration and insurance industry standards. Insurance density is related to a mass personal data indicators.
According to incomplete statistics, China has 100 million or more in disposable assets, the number of middle-class families will reach 30 million. Undoubtedly a large potential consumer groups are heartened by the whole insurance industry. However, the Guangdong branch of Ping An Life has revealed that manager Carol Tsai: Ping An Life's customers now, the annual income of more than 60,000 yuan less than 1 / 4. This data reveals that the Chinese middle class families in the insured's loss.
Cai Carol said that the Chinese middle class families of consumption concept is still relatively backward, most will buy a house living off the car, but do not want to spend money on insurance. Some mid-level management in the enterprise as a female, each with not less than 5000 of the money to buy cosmetics, they are not willing to spend 10,000 yuan to buy a weight for their disease risk.
the enormous gap between the two figures mean that China's middle class families insurance, lack of awareness? Middle-class families how to develop insurance, financial planning how much insurance is enough

buy insurance is to protect an important function. Insurance is not possible, but according to their income, needs and even the different stages of life and other aspects of rational calculation.
manager of Ping An Life Tsai Carol said: according to their economic ability to purchase insurance, not a one-time heavily in the. Some customers spend a lot of money to buy off the insurance, but they can not afford the premiums next year, or even result in some burden too heavy to surrender, which is not rational in terms of customers also value for money. In addition, the economy within the limits of their own insurance, it can avoid the moral hazard caused by bad agents.
aim to achieve better protection, how much should buy insurance, the insurance industry, the insurance on the income with the purchase of two main method.
first algorithm, the middle-class families can usually annual household income of 10% to 20% for the purchase of insurance to annual income of 300,000 households, for example, to achieve the purpose of protecting the premium should be paid every year 30 000 ~ 60 000 in between, but this expenditure is also the affordability of families within.
second algorithm, the family purchased the insurance protection amount should be 10 times the annual income. In other words, the annual income of 300,000 families to buy insurance protection amount should be three million. Calculation is based on the major economic pillars of the family there when the accident, family disruption, when the main source of income, the amount of insurance can be to maintain the same standard of living of the family for 10 years.
Guangdong financial planner professional skill, said Professor Zhang Youkai deputy head of group of experts, the two methods are the insurance companies insure their customers a space calculation. As a financial planner, from the family point of view, for how much to buy insurance, there is another different methods of calculation.
independent financial planner in the family for insurance, financial planning, how much the family should buy insurance,juicy couture velour, the main principles of calculation of insurance limit = essential items - items have been prepared. Essential items means in accordance with the present standard of living, the whole family from now on to the end of family life during the pivotal figure, how much money must be spent, including living expenses, children's education expenses, pension costs and so on. Item refers to the family have taken some of the existing deposits, fixed assets, and so on. Use the words of popular, is to use Bi Xu Qian spent the money deducted Yiyou, the get the Zhegeshuzi is Yidan family Zhuyao unexpected economic pillar of the economy or the source of the family Shiquyuanyou necessary after the insurance was protection through to Weichi normal amount of the economic situation of families.
Professor Zhang said that this idea in principle calculate the sum insured for all the family, and can be different according to different families have taken the essential items and items of a more appropriate measure.
buy which insurance
families may encounter in their daily lives there are many risks, the risks of different options on how different types of insurance? Just which insurance is essential? What insurance is the middle-class families need most?
senior financial planner Xiao Feng of the financial weekly newspaper reporter wrote: In the choice of insurance, the family should also be according to their economic situation and needs to choose the most suitable for their own insurance. Xiao Feng-fifth of France proposed a concept of insurance, the insurance needs of the family according to the major importance, is divided into five levels based on economic strength, this layered approach somewhat similar to Maslow's hierarchy of human needs 5.
the first level, accidental injury insurance.
accident insurance is the insured causes bodily injury by accident or cause disability, death, the insurer undertake to pay the insurance in accordance with agreed personal liability insurance contract. Compared to other types of insurance, the accident insurance premium cheapest insurance coverage and relatively large, is one of the most basic of insurance.
Tsai, Carol, said Ping An Life: Because accident insurance premiums lower, middle-class families to buy accident insurance in the proportion of the premium should be accounted for more than 20%.
and senior financial planner Xiao Feng is recommended that middle-class families to buy accident insurance in the ratio should reach 50% of the total sum insured. Xiao Feng said: especially in the major economic pillars of middle-class families, we must buy a sufficient number of accident insurance. Because the accident was the most unexpected, the event of an accident, the family suddenly lost their source of income, without adequate protection, the entire family will suffer the economic subversion.
many channels to purchase accident insurance, either to buy a special insurance company accident insurance, group insurance company can participate in addition, to travel, take public transport when the accident insurance can be purchased.
accident Xian Xian, while the purchase of the insurance company will recommend clients add an accident medical insurance. Thus, even if injured in the accident, but also to get some of the debts.
second level, medical insurance, critical illness insurance.
medical insurance is available to treat patients with various expenses incurred in the protection, compensation for these costs and more accountable by principles, or to seek treatment for a certain number of units insured payment of subsidies. Generally divided into hospital costs and hospital-based subsidy model.
critical illness insurance is to protect some of the major diseases for patients to pay the cost of catastrophic risk, critical illness insurance benefit that usually payment method, which insured the contract once diagnosed with major diseases defined One of the immediate one-time payment of insurance amount to alleviate the serious diseases resulting from huge medical expenses to patients and their families to bring economic pressure.
medical,nike dunk sb, major disease risk is that we all need basic protection, the proportion of the total sum insured should reach 20%.
said Carol Cai,abercrombie for cheap, middle-class families can choose according to different situations with medical insurance. If the family members in the civil service, hospitalization costs can be reimbursed all, then it can be used to purchase hospital charges added to hospital-based premium subsidies based on medical insurance.
Money Weekly reporter found that almost all financial planners and insurance companies are important disease risk that is in addition to accident insurance, the middle-class families most in need, most should buy the insurance.
major diseases have become the disease now, and once a member of the family got the middle of major diseases, if there is no disease risk re-purchase or buy the amount is not enough, I am afraid the whole family will change dramatically in the economy, bankrupted not surprising.
the third level, savings, insurance, bonus type.
savings-type insurance is that policy holders dividend can not only enjoy the general insurance capabilities, you can also get insurance on a regular basis the operation of insurance funds, the profits after the dividend. With protection, investment, savings Trinity features: not only has the general insurance protection function, but also ensure that each year with interest rates close to the end of income security, in addition to the insurance company may also participate in the annual dividend. Money Weekly
when a reporter asked why the savings-type insurance, profit-sharing pension annuity insurance came in a hierarchy, Xiao Feng said: Annuity insurance rates than savings-type insurance, higher dividends, and pension advantageous in several years before getting the money, the two-phase power, dividend-based insurance, savings are even more affordable.
due to this reason, insurers are generally the type of insurance and savings dividends life insurance, pension insurance and insurance-type combination of education, in the protection, can be shared profits.
middle-class families can come up with the total insured amount of 10% to 20% for the purchase of insurance, savings and profit-sharing model.
the fourth level,ralph lauren femme, pension annuity.
Annuity Insurance is a form of insurance, annuity, from his youth, a regular payment of premiums, start from the agreed age, sustained, regular life insurance pension.
Many of the middle class more than middle management companies, in retirement, if only to rely on social security, huge economic gap will make the existing standard of living of a large middle class has shrunk. For this reason, many white-collar pension for years Jinxian Cheng choice.
Professor Zhang Youkai said, not every middle-class families have to buy pension insurance,christian louboutin pumps, for some very generous retirement pensions of the middle class, paying the money for the purchase of pension insurance to take to do better than other investments.
Xiao Feng proposal for the purchase of old-age pension insurance in the proportion of the total insured amount of 10% to 20%.
the fifth level of investment insurance.
Investment Insurance is the insurance market in recent years new types of insurance, which combines insurance and investment banking dual function. A common market type of investment-linked insurance have insurance, bonus life insurance, universal life and investment-type insurance and other family property.
Xiao Feng said the investment insurance is not for everyone, need to household income in a very good case can be considered such insurance. More suitable for such insurance to those affluent, usually was not any time to their middle-class manipulator. Buy the proportion of the total insured amount up to 5% to 10%.
and Professor Zhang Youkai said that, as a third-party financial planners generally do not advise clients to buy investment insurance, investment, after all, commissioned by insurance company investments are used, not that high fees, investment tools, channels are far less than professional investment company.

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