Insurance needs of different income families to buy insurance please big difference pigeon-holing

The economic situation of each family, staff composition, different expectations about the future, the demand for insurance will be very different. Ability to resist risks for the working group for the poor should be to get as much as possible花小钱protection; for high-income families, should be more from the financial point of view, to fully exploit the role of policy. Earners: Small investment big protection Working group of the family economic income mainly come from wage income, due to relatively weak economic base, the ability to resist risk is relatively poor, disease, accidents and other factors may be at any time to destroy their families. For such a family, insurance is particularly important function. Limited capital investment in the next (life insurance planners recommended that such families to the annual income of 5% ~ 10% of the insurance), to be large to protect small input, that is to buy pure consumer protection-type insurance, the return of type, investment type as a supplement in order to cover the event, unfortunately, occur during the funding shortfall. Insurance when such families if they do not have the guidance of professional planners, they most likely will not be fully taken into account their own economic situation and the funding gap will be the blind pursuit of dividends, the risk occurs when the lines to understand the importance of security. Luen Thai Metropolitan Life Insurance Company Principal Planner LI Wen-qing, said he had met a customer, only the President three years ago a similar pension insurance products, premiums paid 20,000 years, the result in the insurance Unfortunately, Mr. the second year after suffering from brain death, the insurance just the return of the death of the insured amount of the premium has to pay 40,000 yuan, only less than a year to maintain the family's living expenses. As everyone knows, the same premiums if the purchase of pure protection products, the insured amount can be as high as hundreds of million Case: Peter, working-class, 31-year-old, the annual Income 10 million;吴太太27-year-old, the annual income 5 million; 2-year-old son, plans to prepare 500,000 yuan for their children's education payments, mortgage 400,000 yuan / 20 years, monthly living expenses for 5,000 families. After calculation, the cost of the family for the 2.10 million shortfall. According to income ratio in the Wu family to assume responsibility for 2 / 3,吴太太assume 1 / 3. High income: the role of weight management Mining Policy High-income group have a relatively strong economic strength, the ability to resist in general the relative strength of the risk. Risk comes a few hundred thousand dollars more than ten million or even the risk for such a family will not pose a great threat to the insured at the same time protect the owner should be more from the fiscal considerations, select the appropriate insurance. Such families, even if a few years ago bought insurance, the insured amount will not be too general, it is recommended drying drying their regular insurance policy, a timely adjustment of the insurance plan, to play a deeper role in the policy. Case: Mr. Zhang, the company boss, 35-year-old, the annual income of 1,000,000 yuan; Zhang his wife, 30-year-old wife, full-time; 5-year-old son, the family five million yuan of assets. This demand for high-income families and wage earners are not the same, their concern is not the mortgage, education costs, but the company cash flow, assets, risk, tax, inheritance, pension and so on. Proposals: the insurance program can be divided into life insurance assets and prepare for life insurance annuity insurance pension in two ways. (1) five million yuan for life insurance (protection of life, pay for 20 years, the annual premium to pay 119,500 yuan). Responsibility for child growth during the period, can circumvent the death of Mr. Zhang took place or the whole residue to his wife and children when the risks associated with; also can use the policy cash value (201, -0.21, -0.10%) value of 90% to insurance companies loans to cope with the liquidity of urgency; old age can get a part of the funds for personal use or the use of the insured amount of high policy loan; ensure the safety of family assets, the future can also circumvent the inheritance tax. (2) life insurance annuity dividend-based (60 years of age to receive for life, from 100,000 yuan in 20 years to pay annual premiums to pay 76,973 yuan), raise the standard of living of the elderly, supplementary pension. A total of 196,473 yuan in premiums to pay a total of 500 million and insurance 10 per year plus annual pension million dividend. Be used for other purposes the protection of old age, Mr. Zhang to live more at ease, more boldly carried out their own careers.