First, let me give you a brief introduction, Mr. Fung the basic situation of the family:
1, members of the introduction: Mr. Feng is a 7 million or so, baby, this year's . Every year around 57,000 yuan in total spending.
3, security benefits: husband and wife and baby are both urban social security, countries can enjoy the most basic medical benefits. the baby is still another company to buy a , 10-year payment, the annual premium of 12,000 yuan.
Mr. Fung made a basic family financial objectives:
hope for themselves and love to buy adequate life insurance, accident insurance and medical insurance, particularly Women love to prepare for the captive insurance. daughter in addition to the current purchase insurance, other insurance as a supplement to buy.
professional advice financial planners Analysis:
1, adequate protection .
3, the recommendations involve insurance as term insurance, hospital reimbursement and female health insurance. Children grow now in the period, disease and medical accident is every young parents should be prepared for the children. it should be added to the children type of medical insurance claims. various risks, except much more affordable premiums.
4, family economic and financial analysis: The annual income of both husband and wife +5 70 000 million = 12 million. According to the rational family financial planning recommendations, the overall annual household spending should total household Insurance 10% -15% of income, so that will not affect the quality of family life under the premise of each family member to bring adequate protection. Although Mr. Feng, a type of financial assets investment of 30 million, but only 20,000 yuan in cash deposits , proposed to adjust the asset allocation structure, so that asset allocation is more reasonable, to avoid risks, achieve maximum benefits. recommended part of the investment categories of financial assets, cash adjusted 3-6 months of family income, and emergency cash with zero.
insurance and financial planning programs are recommended: mm > recipients receive the age
receiving method
year for each period (excluding dividends)
cumulative supplement to receive pension payments
55-year-old leader
15 year
2 years million
482947.28 yuan Note: Cumulative supplementary pension payments received in previous years, according to the company level mm higher dividend dividend calculated
insurance demo benefit analysis:
insurance name
design considerations
1, super-heart storage Mr. Fung returned
plans to retire and receive the couple, both aged 55 years of age (children 22 years old), receiving a period of 15 years, on the one hand to add to the serious shortage of social pensioners, retirement living for the icing on the cake; the other hand, can be used to supplement a child's college education, let the children more bright future.
2, term life insurance protection type
due to accident, disease, death or total disability caused by a one-time 100% of the sum insured Peifu. in order to reflect Mr. Feng couple's love and responsibility, you can use to improve their own security worth the risk of ways to share with each other to extend our love.
3, Ankang Yan
protection of 31 species of major diseases common major diseases, once 100% guarantee immediate payment confirmed the amount of free care for 5 years, the second suffered from major diseases, and then pay 100% of the amount. fung although the couple can not make up for Social Security but to throw a major disease caused by the huge expenses, this insurance is Selection will be.
4, well-being wishful
hospital reimbursement for Mr. Fung has a three basic social medical insurance, so this insurance is to make up medical insurance reimbursement amount remaining after the 100% reimbursement contains the majority of women are susceptible to gynecological surgery, carcinoma in situ, the proportion of illness according to different kinds of damages, reflects the special care for the health of women. This is the man of the protection of particular concern to insurance, required.
6, the well-being guardian of accidental medical
accident outpatient, hospital outpatient reimbursement for the more than 150 100% deductible, hospital reimbursement for social health insurance 100% of the amount remaining after the year limited the number of non-reimbursement. With children's curiosity and curiosity increases, bumps are inevitable, the additional insurance is to help parents solve their children to spend because of the costs of accidental harm, for the baby, not yet grown up, but also one of the necessary insurance .
No comments:
Post a Comment