We always think, why (Why do) than the how (how to do it) more important, and much more important. For example, today I went to People's Square, the Bund from the company, I can take the bus, you can take the subway, you can take the rent, you can walk , you can also choose a lot of running hh, but the key question is, why I'm going to the Bund, this is very important. So, when you explicitly clear that more, but implementation issues, the different options to solve the same problem, same thing.
comes to insurance, as well. we must first solve the problem why, why did I buy insurance, what can I solve the problem, can the extent to which solve my problem. see a lot of families to buy more than one insurance premiums are also a lot of pay, but a careful analysis of the policy, the insured amount is rarely found; also see many families mortgage car loans readily available, totally dependent on all expenditures of both wages and no insurance; also saw a family of three earning less than 100,000 each year to pay 1-2 million for children's education insurance dividends, without any insurance hh adults Insurance What is it? In fact, my personal experience is the deepest: Insurance is love and responsibility, do their parents, his wife, a responsibility for their children, give them a guarantee. today you how deep love of your family, you need to how much of their lives to provide protection and, most importantly, even if the day for some reason, you can not accompany them on their side, they can still have enough life protection, and real time is what the insurance the role of time, this is the insurance value.
everyone's insurance needs to be taken into account the risk, including mortgage, car loan, education for children, parents remain devoted to so many expenses, so complex, relying on the manual calculation difficult to ensure its accuracy, often omissions. We FNA with United MetLife MetLife financial needs analysis system. The system calculates accurate than manual insurance needs of many, it will face all our customers a significant cost in life which are taken, the customer FNA report looked at together with our explanation you will understand what to buy insurance, and the need to buy a lot of the insured amount, the maximum level of insurance to avoid the random things happen.
In general, each person's needs can be summarized into eight 1 the basic costs and pension costs (we call it the . The cost of other expenses including the spouse, nanny fees, credit loans and other emergency expenses. That is, if you want 30 million also have to repay the mortgage fees and costs of 50 million mortgage and insurance needs of different ; want to send their children abroad to study and want their children to school in the country's education needs are also different costs, the insurance need is different, the correct calculation of the insurance needs of their own, after subtracting its own funds, to know how much insurance to buy a. < br> The following explain the three cases, Mr. Tong family's financial situation and needs analysis and protection recommendations.
1.
financial position, Mr. Tong, 32, 31-year-old wife, son, 3 years old, income of 7.8 million, Mr., Mrs. revenue 56000, the current cost of living in 2500, mortgage 1,500 yuan / month has 15 years, cash and other liquid assets including cash 40,000 540,000 140,000 Equity 60,000 fund to lend 30 million.
2. needs analysis (especially Note, due to household balance sheets are not listed in the template and the parents remain devoted to education costs gold, and the two charges in an ordinary family of three is very important and necessary expenditures or arrangement, so when I am in the design of insurance programs be considered, As for the amount projected in accordance with reality)
cost of living: 3 million / year, by the end of their children's education 80% discount, children's education after 60% discount, a total of 1.02 million;
housing costs: mortgage of about 20 million (principal, not interest, is also under 15 years are projected based on 1500);
education costs: 30 million (2 million in pre-school kindergartens 30,000 30,000 50,000 Junior High School 50000 University of 12 million projection);
child marriage payment: not considered;
remain devoted to cost: 20 million (husband and wife are the parents of 400 by 20 years of monthly projections);
final cost: 10 million (3 million last medical expenses Funeral 5 million emergency 20000 projections);
other expenses: No;
medical costs: 10 million major diseases wife Kim for 15 million (projected);
Care Needs: not considered, the one you have ample time to prepare for future pension, insurance is only one way, and secondly, you may be too much for old-age insurance premiums, a year required to pay tens of thousands of low premiums or can not afford what role the insured amount.
total security needs of more than 1.72 million, plus the final cost of each 10 million, totaling 1.92 million, net of cash and other liquid assets, household financial gap = 192-54 = 138 million. If the major party status, these responsibilities will be passed on to the other and the children body.
3.
current security proposals are on the rise of the family, but also a major responsibility in the period, there is a small well under the old partner, the family breadwinner, Mr (not just come from the income measure), so President to protect the main family responsibilities, his wife consider the health and accidents. well, sir, there are 30 million foreign debt, suggested to recover as soon as possible for their children's education reserve, protection of this point into consideration. Mr. and Mrs. insured = 115 +15 = 130 million, 1.38 million can cover the financial gap. specific safeguards recommended the following table, the table proposals for the protection of, all the insurance contract shall prevail.
President:
the amount of insurance protection guarantee of the security the purpose of premium payment satisfactory to both sides of
ED21/DD06 / severe illness 100000-88 years of major diseases, the second claim 285,430 years WL03 life life life 50,000 years, the final cost of 129,320 family income protection 40000 FIR / year cost of living 20 years, parents remain devoted to 117,120 in term life insurance 200 010 TR mortgage 46,010 years in SADD accident insurance 100000-65 accident in 2601 aged renewable
DI accidental disability income protection 50000 / the age of 60 years to life after severe disability and health in 1451 can be continued
1.15 million more than the amount of life insurance, critical illness 10 million up to 22 million (10 million + 10 million second payment / additional payment of 10% = 10,000 / Care 10% = 1 million extension, the same below), the highest accident disability, 2.75 million (all accumulate to a maximum, the same below).
wife:
insurance protection amount of the premium payment protection purpose of protection of
ED21/DD06 Endowment / severe illness 150000-88 years of major diseases, the second annual SADD claims 373,230 accident insurance from 100,000 to 65-year-old accident in 2601 could be continued for accidental disability income protection
DI 40,000 / year severe disability after 60 years of life and health in 1481 than life insurance may be continued
for 15 million, the highest critical illness 150 000 330 000 (second payment of 15 million +15 million / extra pay 10% / 10% extended care ), up 1.51 million accident disability (all accumulate to a maximum).
addition, we will provide customers view the service policy anniversary, the anniversary of view of customers, customers have the protection always fit their current financial needs, take care of his family, it has a solid financial foundation, live a meaningful life.
If you think more help and inspiration to you, contact tianyutsing @ hotmail.com, more information on the recommendations of family financial security planning.
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