Heng An Standard Life recently announced its joint development with Nankai University's Heng An Standard Life Insurance Index. Nankai University, Professor Li Guihua, in 2009 the annual survey of the life insurance index cities including Beijing, Shanghai, Guangzhou, Tianjin and other major provincial capitals and 12 directly under the city, research the overall number of 6825 copies of the sample. Through Life Index-depth analysis of survey data, they typically urban population can be divided into four groups, namely the gold collar family, white sandwich family, successful business owners, individual hard race,UGG shoes, And their life to be a clear understanding and misunderstanding are presented.
four groups presented their different characteristics, but how they should buy insurance not reflected in the report. So Heng An Standard Life reporter interviewed a senior financial planner block Following the hui,UGG boots cheap, for each of these great people how to choose insurance over to help (buy insurance proposals are the answer).
Jinling family: the insured amount should be 10 times the annual income (Case) Zhang is a state-owned enterprises middle management, the annual income of 50 million and stable. He attached importance to the present and future asset allocation and financial planning, retirement planning for retirement have a clear understanding.
report shows that Zhang's gold collar families like the majority of well-educated, concentrated in state-owned and foreign-funded enterprises, reason and control their characteristic strong.
(recommended) which is not part of the population age, young, decent income, strong sense of family responsibility. They should focus on two major issues concerned with health and pension issues. This part of the population should focus on the purchase of critical illness insurance (Zhuantie are recommended: Fluke double to life critical illness insurance, medical health plan Fukang peace of mind).
and they pay more attention to quality of life and hope to maintain the existing retirement standard of living. then make plans for the pension arrangement should start now. they can sound risk-based bonus (Zhuantie are recommended: good as gold growing annuity insurance, endowment insurance Longevity again and again) to do retirement savings arrangements. 40 years of age the education of their children may also face the problem of gold deposit, these funds can also be insured (Zhuantie are recommended: children's bright future endowment insurance) to accumulate. 40 years of age who, with substantial savings, the burden of their children's education is gradually reduced, so they can focus on the pension plan.
in premiums to protect the type of insurance annual expenditure in their annual income to between 10% -20%, risk guarantee facilities (Zhuantie are recommended: Excellence Life Insurance program, Fluke double to life severe illness insurance, medical health plan Fukang peace of mind, life, life insurance, Fortune) should be 10 times their annual income. This is equivalent to its own ability to work for 10 years, once the health risk of can hold up protective umbrella for the family. and investment insurance, including pension planning, the individual. If their risk tolerance high, then the insurance is only a class of its variety of financial planning, they can also through other investment products such as funds, banks value-added financial products to achieve wealth. as its risk tolerance is low, most of the funds are lying on the bank of deposit, then it can come up with a little more money into participating insurance to go.
white sandwich family : raising insured amount + parents = children's education maintenance
(cases) Lee 30 years old, just married children, parents are still alive, cause just getting started with moderate incomes. He was something to look forward the future development, I hope to be steady increased development, but also worried about the future may also be maintaining the status quo.
report similar to the Lee family of white-collar sandwich or less of the index and mean. They are more concerned about their daily consumption, chasing a high quality of life, but more less about the future of the reserves and financial planning. they want to live a worry-free retirement, but not well for the future retirement financial planning.
(recommended) because this part of the young people, business start-ups, future income may be stable or objective and assume greater family responsibilities. they actually need more insurance to protect families. so they can purchase accident insurance (Zhuantie are recommended: Pacific General Accident Insurance) to avoid the risk of accidents, purchase critical illness insurance to avoid health risks (Zhuantie are recommended: Fluke double to life critical illness insurance, medical health plan Fukang peace of mind). the life insurance side, you need to consider the time when the risk of their own, can leave enough for the spouse, children's children's education alimony payments and their parents. lower income consumers who can buy life insurance, such as term life insurance (Zhuantie are recommended: term life insurance), people with higher incomes can choose to return the type of endowment insurance (Zhuantie are recommended: Pacific Fengdeng Endowment Insurance).
insured the future of education according to their children or parents of maintenance payments be calculated. if the child was 3 years old, assuming that its 22-year-old university graduate, the middle 18 years of education and living expenses expenditures. so people like Mr. Lee should be the insured amount to the sum of these expenditures. parents support, some parents have their own pension, less can be considered.
successful business owners: free life insurance tax
( cases) Zhao owner is a private business owner, hard years of social self-confidence and personal achievements of its distinctive features. their desire for stronger control of the future. He was a strong intention to buy life insurance, but they do not understand the life insurance industry.
report shows that the index of people on the insurance were lower than average, lower than other groups of family care. The view that professional advice in the population.
(recommended) because these people accumulate a lot of resources in the community and connections, the negative news on the insurance have to understand, so do not trust life insurance. They are most concerned about two major issues: whether the depreciation of wealth whether the future estate duty. For the investment, they have no speculation flourishes, they want wealth, stable value, and not affected by inflation devaluation. so it can buy insurance dividends (Zhuantie are recommended: good as gold growing annuity, Longevity repeatedly endowment insurance) to increase the value of the assets.
Although China does not have the death tax but do not rule out the possibility of future collection. So when you buy life insurance, which not only consider security, need to consider the future tax evasion , and the amount of life insurance is not taxed international rules. general business owners now are 40-50 years old, assuming 20 years after the imposition of estate duty, when their families need to pay more money. so the need to consider long-term Life Planning (Zhuantie are recommended: Pacific I, life insurance, permanent life insurance, Fortune).
individual struggling families: the first 20 year term life insurance to buy
(cases) Chen is a self-employed, early in the morning every day late return busy business, physically tired unstable income. He best hope is that the sooner the better revenue growth,Discount UGG boots, focus on short-term interests, the occurrence of risk have chances.
report shows that part of the population in all groups on risk perception the lowest confidence in the future,bailey UGG boots, lack of planning for major life goals, intentions to purchase insurance, also the lowest. but that professional advice.
(recommended) in real life, the individual family as a result of intensive fighting, the income instability, it is precisely the risk groups most likely to patronize. They may also be faced with failure to success, so its more emphasis on the immediate. because they are most in need of funds, so the less the insurance costs can take the better of their.
So the beginning of these people are still accident insurance planning (Zhuantie are recommended: Pacific General accident insurance) and term life insurance (Zhuantie are recommended: term life insurance). followed by more severe illness insurance premiums (Zhuantie Recommended by: Fluke double to life critical illness insurance), and finally old age (Zhuantie are recommended: good as gold growing annuity) and the children's education reserve planning (Zhuantie are recommended: children's bright future endowment insurance.) Term Life Insurance guaranteeing that the high amount of premium, are consumer-oriented insurance, 30 million even if the sum insured, the premium may be paid each year until 200, but do not guarantee return of any funds after the end. And if there is no risk of the insured, to earn the healthy life, if risk is to remain a security funds for the family. so they can buy 20-30 year term life insurance, do not need to buy life insurance.
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